Research

From constitutional preemption to modern AI, the forces shaping credit cards are more complex and consequential than ever. Federal dominance, limited state influence, and evolving consumer protections create a tightly controlled system where inn...

Certificates of deposit aren’t obsolete; they’re underleveraged. Although a quarter of banked consumers hold CDs, most banks treat them as static products with minimal digital support. That gap represents a major opportunity for digital banking ...

Payments are no longer just a cost center for merchants; they’re a strategic lever for growth. As responsibilities fragment across finance, IT, and operations, hidden costs and missed revenue opportunities multiply. This report reveals why tradi...

This report highlights how small businesses choose payment processors, value-added services, and point-of-sale platforms. The findings point to a clear market direction: Integrated, cloud-based, and omnichannel payment ecosystems are gaining an ...

Consumers don’t rely on a single payment method across the many types of retailers they frequent. How they pay depends on where and how they shop. This report highlights how credit cards dominate in many areas, while debit plays a strong role in...

SoFiUSD is not just another branded stablecoin competing for consumer attention. Its launch shows how stablecoins may enter banking through settlement, issuer processing, embedded finance, and vendor infrastructure before customers ever ask to h...

Gen Digital, provider of Norton 360 with LifeLock Ultimate Plus, took Best in Class in overall identity theft protection sold directly to consumers, followed by Equifax, provider of ID Watchdog Premium Family, and Allstate Identity Protection, p...

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 ...