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Oracles: The Missing Link Between Blockchains and the Real World

Smart contracts can’t function without trusted, real-world data. Oracles make that connection possible by delivering verified off-chain inputs directly to the blockchain. This report explains how oracle networks work, where they differ from trad...

2025 Prepaid Holiday Preview: Gift Cards Could Provide Safe Harbor

With retailer preparations for the 2025 holiday shopping beginning in earnest, Javelin Strategy & Research highlights the chaotic retail environment, economic impacts on consumer confidence, and ability of prepaid products to fill gaps if the su...

A Compass for Cash Flow: Steering Small Businesses Toward Financial Stability

Cash-flow management is fundamental to running a business, providing visibility into how money flows in and out of a company and helping to ensure there is enough liquidity to meet obligations and invest in growth. For small and medium-sized bus...

The Demographics of Card-Linked Installments: Credit Issuers’ Answer to BNPL

Card-linked installment plans, offered by credit card issuers, are a competitive response to fintech-led buy now, pay later solutions and are being increasingly adopted by consumers. Javelin’s data illuminates consumer usage trends, provides dem...

Digital Banking Threat Assessment: Robinhood

Robinhood is making news for its acquisitions, plans to add private banking services, the expansion of its crypto capabilities, and providing access to a network of financial advisors. Although Robinhood aspires to be a primary FI, the real worr...

Open Banking Lessons From the UK

Long at the forefront of regulations regarding open banking, the United Kingdom serves as a reference point and offers a blueprint for how U.S. banks, fintechs, and digital banking platform vendors can use open banking to provide new and improve...

The Future of Payments Is Coming. Is Your Core Ready?

Modernizing core banking systems is now essential for delivering real-time, secure, and scalable payments. This Javelin Strategy & Research report examines how legacy cores are being replaced or rebuilt with cloud-native, event-driven, and API-f...

The Hidden Enemy: Iran’s Cyberthreat to U.S. Banks

Disinformation is among the leading cyber risks predicted in the wake of the June 21 U.S. strikes on Iran’s nuclear program. On June 22, the Department of Homeland Security issued an alert about increased cyber risk to critical infrastructure be...

The Savings Continuum: A Digital Playbook to Help Savers Succeed

Javelin’s analysis of 21 savings features in mobile banking at five top banks—Ally, PNC, Truist, U.S. Bank, and Wells Fargo—found that FIs largely take a check-the-box, product-focused approach to saving that leaves customers to decide for thems...

In-Store Checkout Choices: A Generational Look at Trusted Payment Methods

Trust in payment methods differs significantly across generations, revealing changing preferences in how consumers approach in-store payments. Younger generations, particularly Gen Zers and Millennials, are more likely to trust digital wallets o...
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