What shapes consumer transactions and payment technologies, and where is it going?
Rapid changes in technology, regulation, and consumer behavior continue to reshape the payments industry. Javelin’s payments research team tracks commercial and consumer payment trends, evaluates emerging payment technologies, and anticipates what’s next. Through unbiased research, data-driven insights, and actionable advice, we help financial institutions, payments providers, and technology companies develop strategies that position them for success in a rapidly evolving market.
Payments Research
Reports
Visa’s Commercial Enhanced Data Program: What You and Your Merchants Need to Know
Level II and III data have long been a source of price relief for merchants that accept corporate, commercial, and purchasing cards. However, much of that price relief has been offset by gateways and PSPs plugging those data fields with placehol...
Expanding B2B Card Acceptance: Opportunities and Challenges
Join Javelin’s Hugh Thomas and Don Apgar for a conversation on where the next wave of B2B card acceptance can come from, and how to overcome the hurdles that stand in the way.
Stablecoin-Focused Networks: Another Step Toward the Mainstream
The new Layer 1 networks being developed by Stripe and Circle, focused on stablecoins, will become the backbone of a faster and more cost-effective payment economy. To this point, public Layer 1s haven’t provided the stable technological foundat...
2025 General-Purpose Reloadable Card Scorecard
The second annual General-Purpose Reloadable Card Scorecard by Javelin Strategy & Research evaluates 16 major card programs across a variety of features, looking at the programs through the lens of consumer use. In a competitive marketplace with...
Credit Card Balance Transfers: A Consumer’s Opportunity and an Issuer’s Bet
Balance transfer offers, when they unfold as designed, can be a win-win for credit card issuers and consumers. Consumers receive a credit card loan that’s interest-free for a prescribed time, and issuers can book the fee—often 3% to 5%—as immedi...
Unpacking The Modern Payment Stack: What Matters Most for Banks
Legacy payment stacks still are still reliable, but they won’t work for the long term as payments evolve. The case for modernization for banks lies in improving their products and gaining measurable business results.
From Volume to Value: Balanced Scorecards for Commercial Payments
Success in commercial payments is no longer just about growing volume; it’s about proving value. This Javelin Strategy & Research report shows how a balanced-scorecard approach can align commercial payments providers’ key performance indicators ...
Shifting the Balance: How Consumers Are Using Bank Accounts Today
Consumer payment habits show an interesting blend of change and resilience. As those habits relate to the use of checking accounts—and even fintech offerings that aren’t really checking accounts but can be used as if they are—perhaps the most in...
Stablecoins vs. Tokenized Deposits
Stablecoins and tokenized deposits are redefining how banks participate in digital money. Much of the current discussion centers on which of these instruments banks should emphasize. Although there are clear differences between stablecoins and t...
Making Sense of Agentic Commerce: How Do We Get Started?
Agentic commerce has seized the headlines in 2025 with announcements and plans for features from various players in the nascent space? But what does it all mean when so much of the future vision—from what agents are to how they’re acquired and d...