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
Reports
Fintech Investment Trends: Waiting for the Next Wave
The widespread pullback from fintech investment in 2023 is gone as the payments space plunges deeper into 2024, but the priorities have shifted. New and emerging fintechs are focused on different business opportunities, while leveraging differen...
The Real Potential of Payment Orchestration
“Payment orchestration” is a term with a lot of hype and, as yet, a hard-to-pin-down definition. The space is still nascent, without a true leading provider and without wide adoption by merchants. This Javelin Strategy & Research report looks be...
FedNow and Technology Vendors: Setting the Foundation for Future Payments
This Javelin Strategy & Research report looks at the Federal Reserve's FedNow service, but from the perspective of choosing the right technology vendor. FedNow offers a foundation for what is to come in payments—real time, always on, and on dema...
Credit Card Lending Needs a Slowdown; Work with Cardholders to Shield Upcoming Risk
Consumer debt is climbing, and for the wrong reason. Consumptive spending is evident on credit cards, and household budgets are under stress, diminishing the ability of consumers to repay. Though inflation shows signs of waning, many consumers r...
Capital One and Discover: The Potential to Build a Global Payments Ecosystem with Scale
The Capital One acquisition of Discover, if it gains regulatory approval, will create a global force in payments for acceptance, issuance, and processing. To clear the regulatory hurdle, the potential new organization must prepare a case that ex...
Driving Consumer Payment Performance
Join Javelin’s Brian Riley, Elisa Tavilla, and Sophia Gonzalez as they walk us through essential metrics driving consumer payment performance.
2024 State of the Industry: Commercial Prepaid Cards
The commercial prepaid market should see moderate growth in coming years, with an increased opportunity for non-governmental products such as employee and health incentives in open-loop and closed-loop networks. This Javelin Strategy & Research ...
Retailer Debit Cards: Why Doesn’t Everyone Do It?
Consumers are on a quest for value and convenient ways to pay. Retailers and merchants want to boost sales and cut costs. These interests can get together through retailer debit cards that leverage consumer bank accounts via store-branded apps a...
Understanding Commercial Card ePayables: An Abridged Guide for Commercial Buyers
In the world of commercial card payments instruments, ePayables—a virtual type of card payment—is the fastest growing segment, bringing operational efficiency for buyers and their suppliers and offering flexibility and the potential for better c...
Bitcoin ETFs: Bringing the Investment Discussion Back
The Security and Exchange Commission’s approval of several exchange-traded funds tied to bitcoin led to a sigh of relief in the cryptocurrency industry. Indeed, the move—which came after the regulatory agency lost in court—is being seen as a vic...