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


Buy Now, Pay Later (BNPL): The Same, But Different

  • Impact Note
  • Date: December 8, 2023
  • Author(s): Ben Danner
  • Research Topic(s): Credit
The buy now, pay later (BNPL) phenomenon continues to be a major force in e-commerce payments. Now, BNPL providers are releasing physical card products to encourage in-store spending. This Javelin Strategy & Research note looks at developments i...

Holiday Takeaways for Merchant Services

  • Impact Note
  • Date: December 8, 2023
  • Author(s): Daniel Keyes
  • Research Topic(s): Merchant
With another impressive Cyber Week in the books for U.S. merchants, it’s time to look back at the results of that Thanksgiving-to-Cyber Monday stretch, absorb the lessons, and adjust strategies for the remainder of the holiday season and beyond....

The Merchant Side of BNPL

  • Javelin Report
  • Date: December 8, 2023
  • Author(s): Daniel Keyes
  • Research Topic(s): Merchant
Buy now, pay later (BNPL) payment options have built a niche at checkout, quickly gaining popularity by giving consumers a flexible way to pay and the instant gratification of immediately receiving their product. But the solutions have real pros...

Defining (and Finding) the Opportunities in Metaverse Payments

The metaverse of today isn’t like the metaverse of old science fiction. In fact, it’s not one thing at all, but many virtual worlds, each with its own opportunities for players in the payments space. While the metaverse is a future opportunity—p...

North America Commercial Card Market Review and Forecast, 2022-2027

Inflationary concerns and tighter money policies continue to affect business spending in the United States and Canada. This Javelin Strategy & Research report takes a look at the current environment for corporate card spending in North America a...

Emerging Payments: 2024 Trends and Predictions

2024 is the year when three broad emerging technologies will bring change to consumers. Although the pandemic pulled forward digital and touchless payments to many transaction types all at once, this was the adoption of technologies that had bee...

On the Horizon: Key Considerations for Banks Deploying into the Cloud

Cloud service providers are playing a larger role in payments, having moved beyond storing bank data into core services. But as cloud providers begin more efficiently processing payment methods and providing fraud mitigation powered by artificia...

20th Annual U.S. Closed-Loop Prepaid Card Market Forecast, 2023-2027

Closed-loop prepaid programs continue to emerge from the chaos of the COVID-19 era. In this annual report, Javelin Strategy & Research takes a look at the market for closed-loop prepaid programs across a range of categories and identifies a new ...

Commercial & Enterprise: 2024 Trends and Predictions

Albert and Ben will review their recently published report, 2024 Commercial and Enterprise Payments Trends, and discuss why Javelin has positioned these instruments as key areas to watch in the new year.

Digital Assets & Crypto: 2024 Trends and Predictions

2024 looks to be another pivotal year in the development of digital assets and cryptocurrencies. Join James and Joel as they review three key trends in the digital assets & crypto market.

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