Research

Javelin Strategy & Research’s biennial assessment of direct-to-consumer identity theft protection services (IDPS) vendors finds that they are expanding their services. They are offering new provisions for protections and resolution related to so...

The bill-paying experience is no longer viewed as a simple utility function. Instead, it is becoming a competitive payments battleground as consumers seek immediacy, transparency, and options with their biller.

Nearly one-third of U.S. small businesses use Zelle in some capacity, yet many still do not view it as a true business payments platform on par with PayPal or Square. This report examines how businesses use Zelle today, where it fits within the ...

Issuance of mobile driver’s licenses and digital IDs is rising and awareness is building, yet adoption is stalling where it matters most: real-world use. The next wave of value will come from convergence across wallets, biometrics, and acceptanc...

Money mules are no longer just a money laundering problem. They now sit at the center of scams, identity fraud, payment fraud, and organized financial crime, helping criminals move stolen funds before organizations can detect it. This report exp...

Frontier AI partnerships are rapidly reshaping how financial institutions operate, from embedded engineers influencing product strategy to agentic systems driving critical workflows. These deeper collaborations promise significant gains, but the...

2026 may prove to be an inflection point year for virtual cards as better data, embedded workflows, flexible pricing, and agentic orchestration improve execution, while macroeconomic pressure sharpens the working-capital case. The opportunity is...

OpenAI’s announcement that ChatGPT Pro users can now connect their accounts to the service to bolster financial conversations lands squarely in an area of susceptibility for most banks and credit unions. Large language models like ChatGPT are de...

Stripe is quickly turning stablecoins from a concept to a competitive advantage and bringing them to real-world payments. By targeting high-friction areas such as cross-border payouts and gig economy payments, stablecoins are showing real benefi...

Data is the most important tool for financial institutions to make strategic decisions and forecast the future. By organizing payment and customer data across systems, banks can create a more complete view of customer behavior. Data strategy at ...