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


Driving consumer choice and optimization of ACH payments through open banking and multi-rail

  • Complimentary Webinar
  • Date: September, 2022
  • Author(s): Marco Salazar
  • Research Topic(s): Tech & Infrastructure
This panel will explore consumers' rising demand for choice in the payment space and how that desire for flexibility will increasingly impact the way they adopt technology to pay and get paid. 

North America Commercial Credit Card Market Review and Forecast, 2020–2026

This research report provides a review of the commercial credit card markets in Canada and the United States.

Reducing Operational Risk Through Careful Credit Line Decreases

  • Impact Note
  • Date: September 7, 2022
  • Author(s): Brian Riley
  • Research Topic(s): Credit
Calibrating a credit limit during underwriting is essential, but the line should undergo periodic review to ensure it serves the cardholder’s requirements and the issuer’s risk appetite. Credit card issuers often review accounts for line increas...

Cryptocurrency and the Digital Advice Opportunity

The investment landscape is changing. Nearly half of advised investors also have self-directed accounts, and a good number of those investors are investing in cryptocurrency. Further, they’re often using third-party retail brokers and crypto exc...

Banks, Credit Unions, & Crypto

Join experts from CryptoFi, Finastra, Chainalysis, Javelin Strategy & Research, and Strategic Resource Management, Inc. as they discuss the opportunity, strategy, and use cases that digital ledger technology (DLT) and digital assets like cryptoc...

Buy Now, Pay Later’s Suddenly Uncertain Future

Buy-now, pay-later (BNPL) products—largely pioneered by fintechs—have proved enormously popular with consumers and have drawn the interest of credit card networks and traditional financial institutions that want to get in on those payments. But ...

Time to Improve Virtual Card Acceptance

This research report reviews the fundamental steps for gaining increased supplier acceptance, as well as provide some compelling arguments for why virtual cards are often a better choice than other payment types.

Campus Cards Return to Significance, and With It, Opportunities for Issuers

The campus card market was significantly disrupted during the past several years as the pandemic created havoc on academic campuses around the United States, and with it, declining use. This viewpoint examines the current environment for campus ...

Digital Channels Are Key for Customer Acquisition

  • Impact Note
  • Date: August 11, 2022
  • Author(s): Ben Danner
  • Research Topic(s): Credit
Acquiring new customers is one of the most important aspects of sustaining a credit card business and one of the costliest areas of the marketing budget. Issuers must always stay in tune with new trends in card marketing and onboarding as well a...

Upping the Ante: Deconstructing the BlackRock and Coinbase Integration

BlackRock and Coinbase are partnering to offer bitcoin, which will give institutional investors access to crypto. This puts them at the forefront of institutional adoption and in competition with Fidelity Digital Assets, which has built its cryp...

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