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


Bitcoin Mining and ESG: The States Start Moving

New York was the first state to impose restrictions on bitcoin mining, but it won’t be the last. Oregon and Washington are lining up their own legislation, highlighting the industry’s environmental, social, and governance challenges. Still other...

Cobranded Credit Cards 2023

  • Javelin Report
  • Date: March 15, 2023
  • Author(s): Ben Danner
  • Research Topic(s): Credit
The cobranded card market is a way to generate loyalty, scale your portfolio, and service the next generation of cardholders.

Unused Value in Prepaid Cards: Breaking the Misconceptions

Unused funds on prepaid products, such as gift cards, create liabilities for issuing organizations as use grows. The increasing use of such products highlights the opportunities for consumers and retailers to benefit before any potential regulat...

Health of Payments

This report, sponsored by NCR, explores consumer payment preferences, examining how consumers prefer to pay and how multiple types of payments are finding ways to capture spend across different purchase instances. Credit cards may be consumers’ ...

Supply Chain Finance: As Important as Ever

Review the need for supply chain finance options in the post-pandemic global economy, which remains uneven with continuing supply chain disruption. Understand the issues facing suppliers and the types of financing options available, as well as t...

Fintech Investment in a Changing Market: 5 Things to Know for 2023

With investment capital tighter in 2023, there’s less interest in untested, unproven fintech startups and more of an emphasis on coming out of the chute with products that are ready for the market and ready to drive profit. What’s more, fintechs...

Where Will the FIS Spin-Off Leave Worldpay?

Financial technology company FIS brought in merchant acquiring titan Worldpay in 2019 for $43 billion, including nearly $8 billion in debt. That move came during a spree of megadeals that included Fiserv’s acquisition of First Data for $22 billi...

2023 Annual U.S. Debit Card Market Data Review

The seventh annual review of the U.S. debit card market consolidates data and analyzes recent trends shaping the use of these cards. In addition, a near-term forecast for debit volume is provided so issuers, processors, merchants, and other rela...

2023 Prepaid Card Data Book: 11 Essential Metrics

The Prepaid Card Data Book ties together the most important metrics for the industry. Mercator Advisory Group’s assessment of the prepaid card market covers market estimates for the broad market and focuses on the major vertical markets. Consume...

The Credit Card Data Book Part Two: Internal Dynamics

  • Javelin Report
  • Date: February 8, 2023
  • Author(s): Ben Danner
  • Research Topic(s): Credit
The Credit Card Data Book is a two-part annual publication that covers the internal and external factors affecting the U.S. credit card market. The first part focuses on environmental factors such as macroeconomic indicators and consumer prefere...

Talk to our payments experts