Research

Stablecoin growth could shift hundreds of billions of dollars out of conventional deposit products, with the greatest pressure falling on payment-intensive consumer, commercial, and treasury balances. This report estimates the scale of that migr...

As interchange revenue pressures make traditional cashback programs increasingly difficult to sustain, issuers are focusing on loyalty strategies that deepen customer engagement across banking products. But many consumers, especially older gener...

As contactless preference has crossed the majority threshold, consumer payment behavior is becoming more diverse. While cash remains the most widely used non-card payment method, digital wallets, online checkout services, store apps, and pay-by-...

Agentic commerce is beginning to reshape how consumers discover products and complete transactions. Yet the future of payments will depend less on which, and which type of, consumer-facing agent wins and more on the infrastructure that enables a...

Javelin’s 2026 General-Purpose Reloadable Card Scorecard shows which prepaid debit card programs are setting the standard for cost, everyday usability, and differentiated benefits. Readers will learn how PayPal, Cash App, Wisely Direct, and othe...

Card-linked offers are emerging as one of the most important shifts in credit card rewards. They give issuers a merchant-funded way to deliver value while reducing dependence on interchange-funded points and miles. Powered by AI, embedded in gro...

Business-to-business identity protection is moving beyond conventional monitoring toward embedded, household-wide financial safety and cybersecurity. Javelin’s inaugural B2B identity theft protection services (IDPS) scorecard finds that flexible...

Core payment processing for small businesses remains concentrated among banks and processors, but a competitive opportunity lies in faster support and a more connected technology stack. As merchants expand across channels, relationships can be s...

From contactless cards to smartphone payments, payment technology adoption varies dramatically by generation, highlighting where the greatest opportunities for growth and consumer engagement lie. Contactless cards have become a near-universal pa...

Infostealers are changing the rules of payments card risk. Replacing a compromised card may be an immediate fix, but it does not cut off access to compromised merchant accounts and digital wallets. As cybercriminals increasingly exploit previous...