Research

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...

Artificial intelligence and machine learning are infiltrating all aspects of investing, with a profound impact on the data, tools, and platforms used by self-directed investors and those with traditional advisory relationships. This Javelin Stra...

The Javelin Strategy & Research lookahead at the trends in emerging payments for 2024 and beyond brings into focus three areas that have already been the subject of much speculation. In the years ahead, look for generative AI—in many ways the te...

Financial institutions are under Increased pressure to protect their customers and members from fraud while maintaining new account growth and revenue. In 2024 and beyond, much of the effort will center on mitigating fraud perpetrated against na...