Research

Consumer behavior regarding emerging payments is moving in different ways than conventional wisdom suggests. New Javelin research finds that biometric authentication has already reached mainstream use, but not everyday adoption, with availabilit...

Account-to-account payments will grow in importance, but they are unlikely to displace cards as the dominant retail payment method in the U.S. because consumers remain attached to cards’ convenience, rewards, dispute protections, tokenization, a...

Small business cards are entering a new era. Transaction volume is expected to exceed $1 trillion, and cards have become gateways to deeper banking, data, and cash-flow relationships. This report reveals the market shifts, disruptions, underwrit...

Consumers in Canada continue to rely on traditional cards, but younger and higher-income consumers are redefining the future of payments through digital-first experiences. Discover how to benefit from these coming changes.

Project Agorá is more than a wholesale cross-border payments prototype. It signals that central banks, commercial banks, and financial infrastructure providers are preparing to absorb many of the features that made stablecoins attractive. It’s a...

Traditional payment cards remain the foundation of consumer spending, while digital payment solutions are reshaping how younger generations choose to pay across in-store and online channels. This report reveals the latest payment method adoption...

Fintechs and tech giants have become deeply embedded in the operations of small businesses, capturing incoming and outgoing payments, lending and more, and steadily pulling engagement away from traditional financial institutions. Yet the signal ...

The complexion of bank switching has changed in the past decade, and customer stickiness is a harder factor to lock in. FIs need to take a broader view of what makes a successful bank switch and push to gain share of the customer’s wallet and mi...

Why do some prepaid gift cards drive faster spending, stronger engagement, and more future purchases than others? This report shows how redemption speed shapes behaviors across gift recipients and self-users, uncovering where promotions, design,...

As banks decide to monetize data and deploy AI, a new kind of employee is becoming critical to turning technology into revenue. Product owners who blend finance, technology, and strategy are reshaping decision-making at financial institutions. T...