Research

A wave of bank acquisitions and charter applications is upending the competitive landscape in small business banking. In September 2026 alone, Revolut received conditional approval to establish a U.S. national bank and Valley National Bank agree...

Balancing security and convenience is one of the most difficult and important tightrope walks in digital banking. FIs don’t need to neglect security or overhaul digital banking to offer easier customer experiences, but they need to ensure that t...

Mobile remains the primary digital channel for account opening, but digital account opening is still far from a digital-only experience. Applicants continue to move among mobile, online, and branch channels throughout the journey, with branches ...

Stablecoins have the potential to reshape cross-border payments, but the industry often confuses transaction volume and asset value with actual revenue opportunity. Javelin sizes the U.S. stablecoin remittance market using measurable payment flo...

Financial institutions are slowly realizing that sharing fraud data is a necessary response to the rise of well-organized fraudsters who target multiple financial institutions simultaneously. Fraud vendors are increasingly differentiating themse...

Stablecoin growth could shift hundreds of billions of dollars out of conventional deposit products, with the greatest pressure falling on payment-intensive consumer, commercial, and treasury balances. This report estimates the scale of that migr...

As interchange revenue pressures make traditional cashback programs increasingly difficult to sustain, issuers are focusing on loyalty strategies that deepen customer engagement across banking products. But many consumers, especially older gener...

As contactless preference has crossed the majority threshold, consumer payment behavior is becoming more diverse. While cash remains the most widely used non-card payment method, digital wallets, online checkout services, store apps, and pay-by-...

Agentic commerce is beginning to reshape how consumers discover products and complete transactions. Yet the future of payments will depend less on which, and which type of, consumer-facing agent wins and more on the infrastructure that enables a...

Javelin’s 2026 General-Purpose Reloadable Card Scorecard shows which prepaid debit card programs are setting the standard for cost, everyday usability, and differentiated benefits. Readers will learn how PayPal, Cash App, Wisely Direct, and othe...