AI Regulation in Wealth Management: Industry Has the Tools to Build Appropriate Framework

AI Regulation in Wealth Management: Industry Has the Tools to Build Appropriate Framework

AI systems are transforming wealth management operations as firms face an unprecedented challenge: balancing innovation with oversight. This report examines whether current frameworks can adequately protect investors from AI-driven disasters or ...
Proceed With Caution: Instability in Government Programs Shakes Up the Prepaid Sector

Proceed With Caution: Instability in Government Programs Shakes Up the Prepaid Sector

The rapid action of the so-named Department of Government Efficiency, combined with budgetary priorities that could sap aid programs, highlights a potentially tumultuous time for prepaid programs that interact with the federal government. As the...
Generative AI Isn’t Happening Like We’ve Been Told

Generative AI Isn’t Happening Like We’ve Been Told

Although the AI future isn’t coming as quickly as we were told, it will arrive. Bringing that future to life will require new plumbing (read: technological standards and infrastructure), and a number of key business opportunities are going to be...
Implementing Pay-By-Bank: A Guide for Merchants

Implementing Pay-By-Bank: A Guide for Merchants

  • Javelin Report
  • Date: February 28, 2025
  • Author(s): Don Apgar
  • Research Topic(s): Merchant
Many merchants are exploring alternative ways to accept payments from customers and reduce the rising cost of accepting card payments, but is the U.S. banking infrastructure ready to support a retail purchase as an account-to-account transfer? P...
Battle of the Budget: Prioritizing Scam Classification for Future Cost Savings

Battle of the Budget: Prioritizing Scam Classification for Future Cost Savings

In the fight against ever more sophisticated and complex scams, financial institutions are hamstrung in various ways, chiefly by their own priorities: They give a bigger budgetary priority to dealing with regulatory issues, enhancing consumer-fa...
Catching Up With Faster Payments

Catching Up With Faster Payments

The push for real-time payments is gaining momentum in the United States, but the share that’s shifting to such payments remains minimal. By taking cues from the success of real-time payments in other global markets and creating expanded busines...
Managing Debt Wisely: An Untapped Opportunity for Digital Banking Engagement

Managing Debt Wisely: An Untapped Opportunity for Digital Banking Engagement

  • Javelin Report
  • Date: February 27, 2025
  • Research Topic(s): Digital Lending
Although most consumers carry some form of debt, Javelin’s examination of digital banking at large U.S. banks shows that traditional financial institutions generally do not treat debt management as an opportunity to engage customers and build tr...
Tumultuous Times: Uncertainty at the CFPB and Financial Services Regulations

Tumultuous Times: Uncertainty at the CFPB and Financial Services Regulations

The Consumer Financial Protection Bureau’s future is in question amid scrutiny by the Trump administration and Elon Musk’s Department of Government Efficiency. An order to stop work on proposed regulations, suspend the effective dates of finaliz...
2025 State of the Industry: Commercial Prepaid Cards

2025 State of the Industry: Commercial Prepaid Cards

The commercial prepaid market should present divergent opportunities for growth, given the positive growth in business-to-business relationships and stagnant or shrinking government sector programs. This Javelin Strategy & Research report looks ...
Data Snapshot: Consumers Are Surviving, Not Thriving

Data Snapshot: Consumers Are Surviving, Not Thriving

Most American consumers are confident they can meet their week-to-week and month-to-month financial obligations, but progress toward long-term goals like saving for retirement or paying off debt is trending downward. This report—part of the Digi...