Research

New York Attorney General Letitia James alleges that the Zelle platform has been falsely marketed as a safe and secure service despite owner Early Warning Services and banks blatantly ignoring for years widespread fraud across its platform, fail...

Legacy payment stacks still are still reliable, but they won’t work for the long term as payments evolve. The case for modernization for banks lies in improving their products and gaining measurable business results.

Success in commercial payments is no longer just about growing volume; it’s about proving value. This Javelin Strategy & Research report shows how a balanced-scorecard approach can align commercial payments providers’ key performance indicators ...

Consumer payment habits show an interesting blend of change and resilience. As those habits relate to the use of checking accounts—and even fintech offerings that aren’t really checking accounts but can be used as if they are—perhaps the most in...

Stablecoins and tokenized deposits are redefining how banks participate in digital money. Much of the current discussion centers on which of these instruments banks should emphasize. Although there are clear differences between stablecoins and t...

Bank impersonation scams are on the rise and getting harder to detect. Criminals are using stolen information and crafting convincing messages to pose as banks, leaving victims in their wake. This report outlines how financial institutions can c...

Agentic commerce has seized the headlines in 2025 with announcements and plans for features from various players in the nascent space? But what does it all mean when so much of the future vision—from what agents are to how they’re acquired and d...

This annual update by Javelin Strategy & Research covers how economic and regulatory issues are affecting the prepaid card market. It focuses on how the prepaid market may be affected by changes to broad-scale federal policy as well as direct fe...

Javelin’s 2025 Small Business Digital Banking Vendor Scorecard evaluates seven leading vendors that provide online and mobile banking platforms for small businesses. Q2 claimed the top spot thanks to the configurability of its platform and stron...

The U.S. adult population grew by 10% from 2016 to 2025, but credit card acquisitions advanced at a rate almost five times faster. Cardholders are not just accumulating credit cards; they increased their revolving debt in that period by more tha...