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

2024 Trends & Predictions: Digital Assets & Crypto

The world of digital assets and cryptocurrencies seems poised on the precipice of realizing more of its promise. Central banks continue dipping their toes into digital currencies, stablecoins are undergoing further development, testing, and depl...

2024 Trends & Predictions: Emerging Payments Technology

The Javelin Strategy & Research lookahead at the trends in emerging payments for 2024 and beyond brings into focus three areas that have already been the subject of much speculation. In the years ahead, look for generative AI—in many ways the te...

2024 Trends & Predictions: Merchant Payments

  • Javelin Report
  • Date: November 7, 2023
  • Author(s): Daniel Keyes
  • Research Topic(s): Merchant
It’s an ever-evolving world of payments and payment options for merchants, whether they conduct business from a fixed location or in e-commerce. The dizzying array of options can be overwhelming to merchants of any size, but especially to small ...

2024 Trends & Predictions: Prepaid Payments

Issuers of prepaid products face many opportunities to refine their offerings in the coming years, including sharpening the commitment to and messaging about going green, looking to mass markets for chances to better connect with purchasers and ...

2024 Trends & Predictions: Tech & Infrastructure

A new wave of investment is coming to payments technology and infrastructure. In the year ahead, and beyond, look for the concept of “payment modernization” to take on greater definition and form as financial institutions grapple with a host of ...

International Commercial Credit Cards: Market Review and Forecast, 2022-2027

This annual Javelin Strategy & Research report examines the international commercial card market from a regional perspective. This report covers Western Europe, Asia Pacific, Latin America and the Caribbean, and Central and Eastern Europe. This ...

Revenue Dynamics of Debit Cards Since Dodd-Frank

Amid the ever-shifting payments landscape, debit also stands to be transformed by changing regulations and shifting consumer habits. New routing regulations could have an impact on cost and revenue, given the flourishing world of e-commerce and ...

SNAP Prepaid Cards: Operating on a Restricted Network

The Supplemental Nutrition Assistance Program—SNAP—isn’t administered like other government benefits programs, which distribute monies to eligible individuals through bank accounts and branded cards. SNAP, previously called food stamps, runs on ...

Digital Fiat: The Future of CBDCs

The deployment of central bank digital currencies (CBDCs) on a global scale is no longer a question of “if” but of “when.” As countries representing the vast preponderance of global gross domestic product continue to explore CBDCs to varying deg...

Late Fees: A Regulatory Hot Button, Not a Junk Fee

  • Impact Note
  • Date: October 17, 2023
  • Author(s): Brian Riley
  • Research Topic(s): Credit
The Biden administration has announced an effort to rid consumers of so-called “junk fees,” and in the context of credit cards, attention is focused on late fees assessed on delinquent accounts. But such fees are not “junk.” They are transparent...

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