Payments Research

What shapes consumer transactions and payment technologies, and where is it going?

Any conventional wisdom about payments—how they’re made, the currencies being used, the cards presently in favor—doesn’t last long before the next wave of technology, innovation, and regulation. Javelin’s analysts conduct research at the forefront of payments, identifying the emerging trends for financial services companies and payments providers and offering insight into how they can best position themselves not just for what is current but also for what is coming.

Payments Research


2023 Outlook: Emerging Technologies

For more than a decade, fintech startups and products have captured outsized attention and investment. In many ways, these companies have set the agenda for driving consumer expectations for financial services. In 2023, the times they are a-chan...

2023 Outlook: Merchant Services

2023 is set to bring new concerns about credit card fee structures and economic turmoil, while the way merchants accept in-store payments is changing, making for what will be a tumultuous year in payments and merchant services. This past year wa...

2023 Outlook: Prepaid

In this viewpoint, Mercator presents the results of 2022 forecasts, the state of the prepaid card market, and projections for 2023. The prepaid market continues to be a fast-growing payment segment with the unique ability to experience resilienc...

2023 Payments Trends & Predictions

  • Javelin Report
  • Date: November 16, 2022
  • Author(s): Marco Salazar
  • Research Topic(s): Tech & Infrastructure
The annual payment trends report will highlight the top three business drivers for change in 2023.

Converting Rewards Points Into Prepaid Purchases Critical to Growing Loyalty

This viewpoint highlights the opportunity for players in the loyalty and rewards ecosystem to accelerate the use of their programs and drive cashouts of points for prepaid purchases. Inflationary pressure, supply chain issues, and rising interes...

Premium Credit Cards in 2022

  • Javelin Report
  • Date: November 10, 2022
  • Author(s): Ben Danner
  • Research Topic(s): Credit
Premium credit card products have existed since the 1980s and are targeted toward the mass affluent population. This customer segment differs from the general-purpose credit card market, with above-average credit scores and household incomes of ...

Employee Prepaid Cards Will Be a $27 Billion Market By 2025

  • Javelin Report
  • Date: October 14, 2022
  • Author(s): Ben Danner
  • Research Topic(s): Prepaid
Prepaid cards have a wide range of applications in the workplace: employee appreciation, service recognition, holidays, birthdays, safety, wellness, and referrals. These use cases created a market for B2B employee reward programs. The market bec...

Prepaid Cards Provide Benefit for Budgeting During Economic Turbulence

The impacts of inflationary pressure on consumers in the United States create an environment of required controlled spending following an extended period of economic growth. The new paradigm, including drastically increased cost for staple items...

Countering Fraud in the SMB and Payments Space

Join us in this exclusive session where we’ll discuss fraud threats and trends facing small business FIs, and best practices for detection and prevention.

Credit Card Disclosures: The Devil Is in the Details

  • Javelin Report
  • Date: September 28, 2022
  • Author(s): Brian Riley
  • Research Topic(s): Credit
This report discusses the current  environment, explains the logic behind the CFPB strategy, and presents a plan for credit card issuers to prepare for actions that the CFPB might require.

Talk to our payments experts