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Capital One and Discover: A Big Deal, Not a Cakewalk

The newly approved Capital One-Discover merger, which comes with a combined $250 billion loan book, creates a behemoth in payments but will require firm and judicious leadership to integrate the best of both companies’ worlds. This Javelin Strat...

Surcharging on Card Transactions: In Search of Balance

The decision by a merchant to impose a surcharge on credit card transactions—usually a percentage of the purchase price to offset the cost of card acceptance—is understandable but still an untenable risk in most situations. Amid ever-expanding p...

Riffing on Tariffs: Now is the Time to Build Your Small Business Card Portfolio

  • Javelin Report
  • Date: April 18, 2025
  • Author(s): Brian Riley
  • Research Topic(s): Credit
Small businesses represent the backbone of the U.S. economy, but they also struggle with the cash flow necessary for long-term survival. Amid the U.S. imposition of tariffs, many small businesses are facing the prospect of supply chain disruptio...

Security Centers in Digital Banking: How to Tell an Empowering Story of Prevention, Detection, and Resolution

Javelin Strategy & Research’s analysis of security centers at seven top-performing financial institutions reveals widespread gaps in empowerment features and a failure to tell a coherent story of fraud prevention, detection, and resolution. Secu...

How to Turn Push Notifications into a Powerful Engagement Tool in Business Banking

Push notifications represent a missed opportunity in business banking. They have the potential to be one of the most direct and immediate ways for banks to engage with their customers, yet most banks use them as a simple reporting tool. This rep...

Payment Orchestration: Making the Juice Worth the Squeeze

  • Javelin Report
  • Date: March 31, 2025
  • Author(s): Don Apgar
  • Research Topic(s): Merchant
Payment orchestration has come to the forefront as enterprise merchants work to squeeze the most from their payment platform. In addition to optimizing authorization rates, merchants wrestle with new payment types, expansion into new sales chann...

Tech Meets Tariffs: Cross-Border Payments in 2025

In 2025, businesses in cross-border payments are being transformed by global trade shifts, evolving tariff policies, and technological innovations. This Javelin Strategy & Research report delves into how real-time payments, digital advancements,...

Leverage MITRE Frameworks for Effective Cyber Investment

Cyber defense strategies in 2025 will lean more heavily on open-source frameworks like MITRE ATT&CK and MITRE OCCULT as financial institutions align risk to investment prioritization. Cybersecurity oversight and enforcement will grow increasingl...

‘Disappearing’ Accounts and the Future of Payments

The legacy view of accounts—rigid holdings and lines of credit in financial silos—is yielding to the reality of open banking and interoperability, by which the walls around those accounts disappear and money movement becomes freer and more easil...

Seven Credit Card Warning Signs in 2025: Don’t Stop Lending, but Watch Out

  • Javelin Report
  • Date: March 27, 2025
  • Author(s): Brian Riley
  • Research Topic(s): Credit
For credit card managers, assessing risk metrics and adjusting their strategies are the bedrock aspects of the job. Right now, those messages are mixed. Unemployment is steady, inflation remains high but is better than last year, yet consumers a...
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