Research

A steady credit environment could make 2027 a year of opportunity rather than disruption for card issuers. Stable delinquencies and manageable charge-offs provide a solid foundation, but persistent inflation, unemployment, consumer financial str...

In a departure from embedded lending that takes place at the point of sale or outside the authenticated banking experience, financial institutions can use their proximity to and knowledge of active customers to embed lending at appropriate momen...

P2P payments have moved beyond occasional transfers to become a mainstream way consumers send, receive, and manage everyday money movement—reshaping expectations regarding speed, simplicity, and choice.

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...