Research

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...

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...

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...

Cash-flow management is fundamental to running a business, providing visibility into how money flows in and out of a company and helping to ensure there is enough liquidity to meet obligations and invest in growth. For small and medium-sized bus...

Card-linked installment plans, offered by credit card issuers, are a competitive response to fintech-led buy now, pay later solutions and are being increasingly adopted by consumers. Javelin’s data illuminates consumer usage trends, provides dem...

Robinhood is making news for its acquisitions, plans to add private banking services, the expansion of its crypto capabilities, and providing access to a network of financial advisors. Although Robinhood aspires to be a primary FI, the real worr...

Long at the forefront of regulations regarding open banking, the United Kingdom serves as a reference point and offers a blueprint for how U.S. banks, fintechs, and digital banking platform vendors can use open banking to provide new and improve...

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...

Disinformation is among the leading cyber risks predicted in the wake of the June 21 U.S. strikes on Iran’s nuclear program. On June 22, the Department of Homeland Security issued an alert about increased cyber risk to critical infrastructure be...

Javelin’s analysis of 21 savings features in mobile banking at five top banks—Ally, PNC, Truist, U.S. Bank, and Wells Fargo—found that FIs largely take a check-the-box, product-focused approach to saving that leaves customers to decide for thems...