Research

Small businesses make up the largest segment of businesses in the U.S. economy. Understanding the types of payments these businesses accept and the vendors that enable these services is critical to understanding the U.S. payments landscape. Smal...

Cash flow continues to be a major concern for small business owners. As businesses deal with rising inflation, supply chain issues, and uncertain economic conditions, daily operations will become even more difficult. When cash flow becomes strai...

The increasing acceptance of card payments for payables, instant payments’ reach into cross-border business transactions, and the ongoing attempts to eliminate or curtail paper checks in business payments are catching the eye of Javelin Strategy...

These are challenging times for the issuers of credit cards, the most common form of unsecured debt in the United States. With more than $1 trillion in revolving debt and $4 trillion in transaction throughput, the credit card industry must prepa...

Corporate belt-tightening and a scary economy for consumers will keep digital banking strategists keenly focused on improving access to digital customer service and building engagement and trust with financial fitness in 2024 and beyond. But ban...

Consumers have been accustomed to making easy payments however they shop, whether in physical stores or online. That growing appetite for immediate, easy-to-execute payments will drive new use cases now that real-time payments are more widely av...

The world of digital assets and cryptocurrencies seems poised on the precipice of realizing more of its promise. Central banks continue dipping their toes into digital currencies, stablecoins are undergoing further development, testing, and depl...

Corporate belt-tightening and a scary economy for consumers will keep digital banking strategists keenly focused on improving access to digital customer service and building engagement and trust with financial fitness in 2024 and beyond. But ban...

The outlook in digital lending in the year ahead will focus on three key areas: the prospect of regulatory clarity on popular products such as buy now, pay later loans and earned wage access; the impact on student loan borrowers—and financial in...

Modern wealth management is undergoing a transformation driven by artificial intelligence. These new tools and analytics are shifting the advice proposition from one of service homogeneity to hyper-personalization. Further, the world of the inve...