Research

Walmart’s announcement that it will offer shoppers the option to check out with instant pay-by-bank payments beginning in 2025 is a major development for real-time payments, pay-by-bank, and the retail industry in the United States. As the world...

Instant payments are proliferating, and business bankers are searching for a set of “killer use cases” to drive widespread adoption. Many businesses are experimenting with instant payments, yet awareness among the broader market remains low and ...

Cryptocurrencies are making inconsistent progress in the United States. The regulatory environment, at best, sends mixed signals. Consumer attitudes are wary. Even as bitcoin values surge, viewpoints range from outright distrust sowed by scandal...

Digital wallets are made possible by a chip in smartphones that enables the phones to function like payment cards when they’re tapped on an accepting terminal device. Now those same chips, utilizing near-field communication technology, have been...

There is a seismic shift in financial services as social media platforms become critical sources of investment data for traders and advised clients. Professional and amateur online communities are flourishing, offering tips, opinions, and strate...

In this scorecard, Javelin evaluates leading financial institutions’ level of cyber trust based on key components: privacy, cybersecurity, education and resolution support. Shifting customer attitudes (and customers’ greater awareness of fraud a...

The digital-only payer—one who has left behind the physical wallet and its tangible payment forms—is a popular creature in the media, one who fronts declarations that all-digital payments have taken over. But the data points paint a more complic...

Users of TikTok and other social media platforms have accelerated check fraud by exploiting known gaps in check fraud detection processes. The viral TikTok Chase Bank “glitch” posts have unearthed consumers’ willingness to commit the age-old fra...

The Consumer Financial Protection Bureau dealt fintechs focused on earned wage access a blow when it issued an interpretive ruling that their products will be considered loans subject to the Truth in Lending Act. This would rebalance the playing...

A 10% cap on credit card interest rates—an idea floated in the presidential race—would have profound effects on the credit card market, cutting deeply into how credit cards are priced and provisioned against losses and necessitating moves by the...