Iran Cyber Risk: ‘Five-Alarm Fire’ for U.S. Banks, Critical Infrastructure

Iran Cyber Risk: ‘Five-Alarm Fire’ for U.S. Banks, Critical Infrastructure

Iran-linked cyber activity is no longer hypothetical for U.S. financial institutions. International tensions, collaboration by adversaries, and gaps in oversight are reshaping financial-sector risk—and traditional defenses fall short. This repor...
Impact of Loyalty Programs on Generational Spending and Participation

Impact of Loyalty Programs on Generational Spending and Participation

Consumer spending habits and rewards program adoption are largely shaped by shopping frequency and generational tendencies, with age influencing large swings. Retailers can target different generations across various categories to expand spendin...
Stablecoins and the Programmability Gap: Changes Are Happening Upstream

Stablecoins and the Programmability Gap: Changes Are Happening Upstream

Stablecoins are often framed as just another payment rail, but that view misses what makes them important. Programmability shifts how and where payment behavior is defined, moving logic upstream of banks and traditional processors. That change i...
A Line in the Sand for First-Party Fraud: From Identity to Intent

A Line in the Sand for First-Party Fraud: From Identity to Intent

Financial institutions are seeing rising losses from first-party fraud, yet many still struggle to detect it before the damage is done. Traditional controls confirm who the customer is, but not how they behave. This report examines the gaps in d...
Co-Branded Credit Cards Smoke, Private Labels Choke

Co-Branded Credit Cards Smoke, Private Labels Choke

  • Javelin Report
  • Date: March 26, 2026
  • Author(s): Brian Riley
  • Research Topic(s): Credit
Co‑branded credit cards thrive when financial institutions and consumer brands join to create value neither could deliver alone. When designed well, these partnerships fuel customer acquisition, deepen loyalty, and generate major revenue streams...
Kraken and the Risk Stack: How the Crypto Exchange Will Change Settlements at the Fed

Kraken and the Risk Stack: How the Crypto Exchange Will Change Settlements at the Fed

Kraken didn’t gain a Fed account to mimic existing banks. It gained one to rebuild core payment architecture. This report breaks down how direct access to Fed settlement layers, coupled with dollar rails, alters the risk stack for payments and r...
From the Lab to the Lead: Analyzing Successful Changes in Innovation

From the Lab to the Lead: Analyzing Successful Changes in Innovation

Enterprise innovation has moved beyond labs, demos, and culture theater into a disciplined, business-anchored capability. Based on interviews with innovation leaders across payments and financial services, this report examines how accountability...
Consumer Use of AI Tools at Home and in the Workplace

Consumer Use of AI Tools at Home and in the Workplace

Consumers, regardless of age, are using AI to research personal and business-related purchases. Some are even allowing AI to buy the products with no need to visit a store or website. Merchants should build a deeper understanding of this decisio...
Instant, Faster and Same Day Payments: Where Speed is Grabbing Share

Instant, Faster and Same Day Payments: Where Speed is Grabbing Share

Ten years after the Federal Reserve set the U.S. faster-payments agenda in motion, the market is beginning to show what fit-for-purpose adoption looks like in practice. This report examines how real-time payments, Same Day ACH, and other faster-...
Selling Zelle to Consumers: Priorities for the P2P Experience

Selling Zelle to Consumers: Priorities for the P2P Experience

Zelle’s growth in its nearly decade of existence has made it a central P2P feature in U.S. banking apps, but the overall user experience still lags behind what consumers have come to expect from third party platforms. Despite strong adoption, cu...