Research

The U.S. identity theft protection services (IDPS) market is forecast to hit $18 billion by the end of 2027, as consumer investment in identity theft protection continues to grow. Javelin’s 2026 Identity Theft Protection Services Market Report h...

Quantum computing is approaching an inflection point that leaders can’t afford to ignore—not because it’s ready to replace today’s systems, but because it’s already reshaping risk, security, and competitive positioning. As practical quantum adva...

The 2026 Commercial Payments Factbook examines how macroeconomic risk, payment-rail adoption, and changing product mix are reshaping the U.S. B2B payments market. It combines scenario-based forecasts with industry and sector analysis to show whe...

Engagement with digital banking remains frequent but shallow, leaving significant value untapped by customers. Better gamification—designed around behavior, habits, and trust rather than novelty—can help change that dynamic. When applied thought...

Banks’ payment API strategies have matured from cautious experimentation to core growth and defensive plays. Moving beyond insecure screen scraping, banks now monetize proprietary and embedded finance APIs to drive transaction volume, cross-sell...

Neobanks may be easy to dismiss, serving a small share of newer, digitally native businesses, but that framing misses their real impact. They are repositioning digital banking around operational efficiency and rethinking how day-to-day financial...

Stablecoins are becoming increasingly embedded into real payment flows. This report provides a practical framework for FIs to evaluate various partners in categories such as issuance, custody, orchestration, compliance, and integration. FIs will...

Many banks remain reluctant to offer merchant acquiring services to their business customers because it’s a low-margin business with deep technology requirements. For business customers, however, card payments from their customers represent the ...

The debit experience is expected to feel as seamless and digital as the apps customers use every day. As card‑not‑present spending surges and debit quietly powers P2P and wallet transactions, financial institutions face a pivotal moment to moder...

Prepaid cards have evolved from handwritten gift certificates to digital wallets, and now they face a new inflection point. This Impact Note explores how stablecoins and tokenized digital assets could transform prepaid cards from balance-sheet l...