Research

2023 could be the year that real-time payments finally break into the mainstream for small businesses. One prominent competitor in the space, Zelle for Business, faces issues that it will have to overcome to solve the primary challenges facing a...

Despite its long history of ups and downs, the secured card market is ripe for opportunity. The product excels as a credit-building tool used to enable credit access. We track exciting new programs in the field and analyze the current marketplac...

A new clarification to a debit regulation sets standards for dual routing in card-not-present transactions, but how will the Federal Reserve Board’s regulation affect merchants, debit card issuers, and consumers?

This report covers Mercator Advisory Group research and expectations in the open-loop prepaid market. Highlights include trends for 9 different open-loop products.

Banks and credit unions can play a crucial role in the financial lives of student loan accountholders, regardless of whether the institutions themselves issue student loans. And for FIs to advance along Javelin Strategy & Research’s Digital Matu...

The collapse of FTX and Alameda Research has given cryptocurrency another black eye and provided fodder for skeptics about the industry and digital assets. But the situation, as ugly as it is, could provide the perfect catalyst for the industry ...

This report highlights trends for 11 closed-loop products encompassing such areas as transit, nutrition assistance, consumer incentives, and petroleum. We lean on consumer use and sentiment toward these cards. Economic conditions and market turm...

Ransomware negotiation providers play a pivotal role in aiding financial institutions in their recovery of stolen and/or encrypted data and in conducting post-attack forensics to help prevent another cyberattack on the institution. This report p...

The buy now, pay later industry—widely known as BNPL—has become so popular and competitive that Javelin Strategy & Research is rolling out its first scorecard of the major players in the space. The scorecard assesses five companies examined in a...

Giant banks are dominating the fight for primary relationships with young businesses—and with it the battle for the businesses of the future. To avoid fighting for table scraps, smaller banks need to broadcast their strengths while working with ...