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2024 State of the Industry: Commercial Prepaid Cards

The commercial prepaid market should see moderate growth in coming years, with an increased opportunity for non-governmental products such as employee and health incentives in open-loop and closed-loop networks. This Javelin Strategy & Research ...

Retailer Debit Cards: Why Doesn’t Everyone Do It?

  • Javelin Report
  • Date: February 14, 2024
  • Author(s): Elisa Tavilla
  • Research Topic(s): Debit
Consumers are on a quest for value and convenient ways to pay. Retailers and merchants want to boost sales and cut costs. These interests can get together through retailer debit cards that leverage consumer bank accounts via store-branded apps a...

Understanding Commercial Card ePayables: An Abridged Guide for Commercial Buyers

In the world of commercial card payments instruments, ePayables—a virtual type of card payment—is the fastest growing segment, bringing operational efficiency for buyers and their suppliers and offering flexibility and the potential for better c...

How to Build Credit Card Wizards That Win Share of Wallet

  • Javelin Report
  • Date: February 12, 2024
  • Research Topic(s): Digital Lending
Banks and credit unions provide a digital shopping experience that can lead customers to pick an ill-suited credit card and put an FI at risk of costly “silent churn.” In contrast, NerdWallet, CardWiz, Smart Asset, and other card advisory fintec...

2024 Authentication and Identity-Proofing Vendor Solutions Scorecard

Identity-proofing, a fundamental need of financial services companies, is a space in considerable flux. Fintech companies that cut their teeth as e-commerce payments platforms are entering the competition and making inroads with innovative solut...

IoT Devices Create Privacy Nightmares for Banks, Small Businesses

IoT devices allow more convenient customer and business interactions, but the privacy and security costs can be too high, especially for financial institutions and small businesses, without diligence. IoT devices that store personal and financia...

Bitcoin ETFs: Bringing the Investment Discussion Back

The Security and Exchange Commission’s approval of several exchange-traded funds tied to bitcoin led to a sigh of relief in the cryptocurrency industry. Indeed, the move—which came after the regulatory agency lost in court—is being seen as a vic...

Digital Estate Planning: A New Frontier for RIAs

Death, as the saying goes, is inevitable, and so are the complexities involved in estate planning. Wealth advisors, who historically have handed off the process to attorneys and tax advisors, are increasingly unwilling to abdicate revenue and re...

Mapping Out the Generative AI Future at Three Large Fintechs

Over the past five years, Javelin Strategy & Research has persistently raised the alarm about the escalating influence of three dominant fintech platforms—Intuit, Block, and PayPal—and the looming challenges they pose to traditional financial in...

Credit Card Data Book Part 2: Internal Dynamics

  • Javelin Report
  • Date: January 26, 2024
  • Author(s): Ben Danner
  • Research Topic(s): Credit
Part 2 of the annual Javelin Strategy & Research examination of the U.S. credit cards looks at how internal dynamics, such as issuer portfolios and ongoing risk assessment, affect the market. The upshot: As economic stressors rise and loan loss ...
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