Research

Generation X is the middle child of American demographics: smaller and less significant than the still-massive Baby Boomers and the ascendant Y and Z generations coming up behind. It is ensconced in the stabilizing influences of employment, home...

Tax is a critical component of the consumer balance sheet, one that drives financial outcomes. Yet the calculation and filing of taxes on income remains a form-based, poorly integrated function. Tax apps embedded in financial institutions and di...

Third-party comparison websites are a formidable avenue of credit card marketing and consumers’ identification of which card products to pursue with their applications. It’s a marketplace that has evolved to include several large contenders, and...

Fraud in commercial payments is a rising concern, with Javelin Strategy & Research data showing that businesses expect it to increase over the coming year. The reasons for pessimism are many—the ascendancy of digital payments, the complexity of ...

Check use is declining.  The adoption of alternative payments, like debit cards, ACH transfers, peer-to-peer (P2P) payments, and digital wallet transactions has accelerated in the wake of the COVID-19 pandemic. But none of these payments forms i...

Digital wallets have long been a place to store payment cards, boarding passes, and tickets. More recently, tech providers like Apple have added mobile driver’s licenses on a limited basis. As more non-financial products and documents, such as d...

The humble ATM, once the center of the cash-disbursement universe, is facing a steady erosion in use. It has been battered by the pandemic—first, by an abrupt and permanent shift in consumer payment habits, and second, by a sharp rise in crimina...

The use of prepaid cards surged during the pandemic. Although the pandemic-related subsidies are disappearing, this Javelin Strategy & Research impact note demonstrates how new opportunities are emerging to continue to innovate and offer prepaid...

The model established by payment facilitators—known as PayFacs—enabled millions of businesses to accept a range of payments. Now, however, the model is maturing, prompting PayFacs to look at other avenues for growth and to deepen their merchant ...

The recent failures of Silicon Valley Bank and others have the global community once again calling into question the quality of bank regulations, the ability of government personnel to be stewards of those regulations, and the diligence of bank ...