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
Digital ID Adoption Requires Digital ID Acceptance: How Payments Can Lead the Way
The issuance of digital IDs in the United States is undeniably expanding, nearing a tipping point where more than half of the country will have access to this form of identification. As U.S. progress continues, a mandate on issuance and adoption...
The Role of Developers: Building Developer Communities
Developer portals at banks will be crucial to advancing open-banking APIs in a way that ensures efficiency, consumer safety, and innovation. This Javelin Strategy & Research report details what banks can learn from their fintech counterparts, wh...
The Great Bill Pay Reset: How Real-Time Payments and Open Banking Are Upending the Status Quo
Bill pay is no longer a utility but the frontline battle for agent-driven, real-time payments. The evolution of open banking and financial automation means banks that fail to modernize their bill pay products risk losing control of the trust, in...
Oracles: The Missing Link Between Blockchains and the Real World
Smart contracts can’t function without trusted, real-world data. Oracles make that connection possible by delivering verified off-chain inputs directly to the blockchain. This report explains how oracle networks work, where they differ from trad...
2025 Prepaid Holiday Preview: Gift Cards Could Provide Safe Harbor
With retailer preparations for the 2025 holiday shopping beginning in earnest, Javelin Strategy & Research highlights the chaotic retail environment, economic impacts on consumer confidence, and ability of prepaid products to fill gaps if the su...
The Future of Payments Is Coming. Is Your Core Ready?
Modernizing core banking systems is now essential for delivering real-time, secure, and scalable payments. This Javelin Strategy & Research report examines how legacy cores are being replaced or rebuilt with cloud-native, event-driven, and API-f...
Typecast for P2P: How Venmo and Cash App Are Expanding Beyond Paying Friends and Family
Popular person-to-person payment apps such as Venmo and Cash App pioneered the easy digital payment of friends and family with easy-to-use and engaging apps. The problem: Now, these platforms are finding it a challenge to go beyond the functiona...
CBDCs Are Dead—for Now. What Comes Next?
In halting the development of a central bank digital currency, the current presidential administration has signaled a major shift toward private-sector innovation in digital currencies. This Javelin Strategy & Research report looks at what that ...
From Hype to Impact: How AI is Transforming Credit
Advances in artificial intelligence have generated a high level of excitement and marketing spending as financial organizations seek to rebrand their technologies with “AI” and develop new credit decisioning and issuance solutions that leverage ...
Global Biometric Pilots Help Smooth the Way for U.S. Adoption
The use of biometrics in merchant payments—such as facial scans and palm scans—has been slow to take root in the United States. But several pilot programs in other global markets, featuring the participation of companies active in the United Sta...