Research

Canadian banks still control the majority of consumers’ primary digital banking relationships, but the margin for error is shrinking. CIBC emerged as the strongest all-around performer in Javelin’s 2026 Canadian Digital Banking Scorecard in the ...

As payments become faster and automated, risk management is moving from the sidelines to the center of transaction processing. Real-time payments, open banking, and agentic AI are forcing banks to rethink how fraud, compliance, identity, and aut...

Supply chain finance opportunity is not distributed evenly across industries or supplier populations. This report shows how providers can use public U.S. economic and industry data to identify where cash cycles are lengthening, liquidity is weak...

Banks that connect features to meaningful customer outcomes in mobile banking can turn routine app visits into deeper, more valuable relationships. Financial institutions are challenged to increase feature adoption, improve discoverability, buil...

Synthetic identity fraud is a rapidly growing criminal ecosystem powered by stolen data, AI, and sophisticated fraud networks. As losses go unreported or are categorized as bad debt, many financial institutions underestimate their exposure while...

3D Secure was developed to help e-commerce merchants guard against fraud by authenticating cardholders at checkout. But merchants balance fraud losses, liability shifts, checkout completion, authorization approvals, customer experience, and repe...

Holiday gift card sales can still deliver dependable growth, but success relies on knowing which buyers to prioritize and how they plan to spend. This report shows how economic signals, repeat buyer behavior, retail placement, and gift card desi...

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...