Rewiring the Credit Card Value Proposition: From Best Card to Best Relationship

Rewiring the Credit Card Value Proposition: From Best Card to Best Relationship

High credit card interest rates are reshaping the economics of the industry, putting pressure on consumers while increasing risks of delinquencies and losses. Widening spreads, shifting revenue dynamics, and evolving issuer strategies—from AI-dr...
How Software Makes Merchant Payments Quietly Simple, Secure, and Advanced

How Software Makes Merchant Payments Quietly Simple, Secure, and Advanced

Payments are no longer just a terminal on the counter; they’re becoming invisible in the software that drives every workflow. As merchants, consumers, and suppliers adopt embedded payments and automated billing, commerce gets faster, safer throu...
For Small Business Expenses, Cards Are Key—But They Have Room to Grow

For Small Business Expenses, Cards Are Key—But They Have Room to Grow

Getting a small business card establishes an enterprise owner as a serious business. It is more than simply a coming of age; it gives the small business footing and establishes credit. It keeps the records separate from the consumer’s private li...
2026 U.S. Identity Protection Services Market Report: U.S. Market Poised to Hit $18 Billion by 2027

2026 U.S. Identity Protection Services Market Report: U.S. Market Poised to Hit $18 Billion by 2027

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...
Why Banks Haven’t Sold Consumers on Account Aggregation—Yet

Why Banks Haven’t Sold Consumers on Account Aggregation—Yet

In theory, the consumer benefits of aggregating bank accounts are numerous, starting with one-stop, 360-degree oversight. And yet a remarkable number of consumers say they actually prefer to monitor their financial accounts one at a time, one ap...
Post-Quantum Computing Demands Present-Day Attention

Post-Quantum Computing Demands Present-Day Attention

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...
2026 Commercial Payments Factbook

2026 Commercial Payments Factbook

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...
Designing Gamification for Ongoing Digital Banking Engagement

Designing Gamification for Ongoing Digital Banking Engagement

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...
Monetizing the API: Banks Are Increasingly Generating Funds from Tech

Monetizing the API: Banks Are Increasingly Generating Funds from Tech

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...
Small Business Neobanks: 8 Ways They’re Beating Banks at Their Own Game

Small Business Neobanks: 8 Ways They’re Beating Banks at Their Own Game

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...