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
Credit Card Data Book Part 2: Internal Dynamics
Part 2 of the annual Javelin Strategy & Research examination of the U.S. credit cards looks at how internal dynamics, such as issuer portfolios and ongoing risk assessment, affect the market. The upshot: As economic stressors rise and loan loss ...
Generative AI Comes to Life: Notes from the Field
Generative AI has been around for over a year now and has dominated discussions about how the emerging technology stands to transform payments. This Javelin Strategy & Research report takes a deep look into how companies in the payments space ar...
2024 Prepaid Card Data Book
The Prepaid Card Data Book ties together the most important metrics for the industry in brief, high-level metrics. This assessment of the prepaid card market by Javelin Strategy & Research covers summarized market estimates for the broad market,...
2024 Annual U.S. Debit Card Market Data Review
Changes are afoot in the debit card market as higher prices drive more consumers toward credit for everyday payments and users increasingly demand digital payment technologies. This Javelin Strategy & Research report takes a comprehensive look a...
AI Was the Talk of NRF 2024
Artificial intelligence and its potential to transform merchant operations has been a hot topic for some time. At the National Retail Federation’s annual conference in New York in mid-January, the focus sharpened, with industry leaders talking a...
Credit Card Data Book Part 1: Environmental Factors
This annual report by Javelin Strategy & Research—the first of two parts, this one looking at external factors and their impact on the credit card market—finds that the leading indicators point toward stability. Unemployment and bankruptcies are...
Commercial Instant Payments: Global Update Part 1
The adoption of instant payments in the global business-to-business (B2B) market is poised to surge, driven by advancements in technology that have enabled financial institutions to create efficient, secure real-time payment systems and a growin...
Coexisting in Payments: How Middleware Forges Alliances Among Smaller FIs, Core Providers, and Fintechs
Small and medium-sized banks, short on the resources to rebuild their infrastructure and long frustrated by the slow pace of innovation by some core banking service providers, are benefitting from a shift in tactics. Those providers are increasi...
Latin American Payments: The Emerging View From South of the Border
Latin America—as a region and as ground being seeded for the future of payments—is vast, diverse, and resistant to attempts to bring it into homogeneity. The region encompasses around two dozen countries with their own currencies, monetary polic...
Incentivizing Consumers Toward Debit Payments with Rewards
Digital banks and some major issuers are incentivizing customers with debit rewards and other perks. The rewards, most commonly cashback, have proven popular with consumers and increased debit card spending. Retails and merchants are also reward...