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

The State of the U.S. Credit Card Industry

Overall, the U.S. credit card industry is on sound footing, although downstream economic issues could threaten to disrupt the norm, particularly at the lower end of the market, where charge-offs threaten bank profits and create marginal returns ...

Why Data Isn’t a Zero-Sum Game in Payments

The fragmentation of the U.S. financial markets has created open-banking standards that are quite different from those found in Europe. In the United States, companies that enable permissioned access to account-level data have emerged to fill th...

Consumer Debit Payment Options in a Faster Payments World

This Javelin Strategy & Research impact note looks at potential ways FedNow and the RTP network by The Clearing House can support new use cases for instant consumer debit payments. Real-time payments enable retailers to improve customer experien...

Tracking Emerging Payments Technologies: Adoption is Not Enough

In 2023, for the first time, the North American PaymentsInsights (NAPI) Digital Transactions and Emerging Technologies Survey captures moment-in-time data about the metaverse, biometric authorization, privacy and security, and digital ID use. Th...

2023 Prepaid Regulatory Update

This report covers Javelin research and expectations on how economic and regulatory issues are affecting the prepaid card market. The report covers direct and broad scale regulatory changes occurring in 2023 with a particular lens into their eff...

Understanding Credit Card Rewards: A Successful Model Under Threat

  • Javelin Report
  • Date: August 16, 2023
  • Author(s): Ben Danner
  • Research Topic(s): Credit
Credit card rewards programs are expensive and intricate for issuers to maintain, but they are also enormously popular with cardholders and a significant driver of customer acquisition. This Javelin Strategy & Research looks at the current lands...

The Limits of Crypto and the Rise of Layer 2s

Truly decentralized blockchains attract participation that provides worldwide transparency and reinforces why they were developed in the first place. But blockchain networks also have a problem: As the number of network users increases, so do ne...

The Future of CBDCs

We will explore CBDCs, discuss the global state of digital currencies, and consider the potential benefits and harms of government-issued digital money.

Commercial Instant Payments and the Need for Speed

Commercial instant payments are the next evolution of B2B payments. The speed of instant payments is attractive, but they should be looked at as a strategic addition to the overall payments ecosystem and not a replacement for existing methods of...

The Disappearing POS

  • Javelin Report
  • Date: August 1, 2023
  • Author(s): Daniel Keyes
  • Research Topic(s): Merchant
The venerable old point-of-sale terminal, the heart of in-store payment experiences for decades, is in for a big change. Software POS (softPOS), biometric payments, and autonomous checkout technology are shrinking, transforming, and eliminating ...

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