Research

Although the AI future isn’t coming as quickly as we were told, it will arrive. Bringing that future to life will require new plumbing (read: technological standards and infrastructure), and a number of key business opportunities are going to be...

Many merchants are exploring alternative ways to accept payments from customers and reduce the rising cost of accepting card payments, but is the U.S. banking infrastructure ready to support a retail purchase as an account-to-account transfer? P...

In the fight against ever more sophisticated and complex scams, financial institutions are hamstrung in various ways, chiefly by their own priorities: They give a bigger budgetary priority to dealing with regulatory issues, enhancing consumer-fa...

The push for real-time payments is gaining momentum in the United States, but the share that’s shifting to such payments remains minimal. By taking cues from the success of real-time payments in other global markets and creating expanded busines...

Although most consumers carry some form of debt, Javelin’s examination of digital banking at large U.S. banks shows that traditional financial institutions generally do not treat debt management as an opportunity to engage customers and build tr...

The Consumer Financial Protection Bureau’s future is in question amid scrutiny by the Trump administration and Elon Musk’s Department of Government Efficiency. An order to stop work on proposed regulations, suspend the effective dates of finaliz...

The commercial prepaid market should present divergent opportunities for growth, given the positive growth in business-to-business relationships and stagnant or shrinking government sector programs. This Javelin Strategy & Research report looks ...

Most American consumers are confident they can meet their week-to-week and month-to-month financial obligations, but progress toward long-term goals like saving for retirement or paying off debt is trending downward. This report—part of the Digi...

While most Gen Y and Gen Z consumers say a top-five bank is their primary provider, 62% of adults regularly turn to fintech apps such as Cash App, Venmo, Credit Karma, and Credit Sesame for core banking and financial management tasks. One common...

Overall banking satisfaction among young adults has plummeted to 52%, falling from 64% since 2019. This trend—part of the Digital Banking Data Snapshot series—exposes shortcomings in digital banking, especially for credit unions and community ba...