Research

Biller direct payments are preferred by consumers over payments initiated through bank bill pay platforms. Closing the gap and engaging more customers will require financial institutions to build better user experiences, embrace consumers’ desir...

Many banks and credit unions with aging customer bases worry they will alienate Baby Boomers by pouring investments into mobile-first banking to woo younger consumers. But mounting evidence suggests that digital strategists are safe—and wise—to ...

The Markets in Crypto Assets (MiCA) regulation in the European Union sprang from existing rules governing securities but was tailored specifically for the fast-moving, ever-evolving cryptocurrency industry. It brings important clarity to the EU,...

Despite years of anti-fraud investment, account takeover (ATO) continues to plague financial institutions and consumers. Traditional authentication methods offer too many gaps of opportunity for cybercriminals, primarily because of easily compro...

Alerts enable banks to initiate meaningful digital conversations and entice customers to log in to learn, seek advice, and act. But a Javelin Strategy & Research analysis of eight major U.S. financial institutions shows that alerts remain diffic...

The first General-Purpose Reloadable Card Program Scorecard by Javelin Strategy & Research evaluates 10 major card programs across a variety of features, looking at the programs through the lens of consumer use. In a competitive marketplace, the...

A new financial culture is emerging, characterized by increased risk-taking and blurred lines between gaming, gambling, and investing. The shift is driven by the influence of social media, the proliferation of online gambling, a gaming mentality...

Credit card income will continue its downward trend in 2024 and 2025 as issuers face revenue and expense pressures. The shortfall between 2022 and 2023, when the ROA fell from 4.70% to 3.33%, will likely result in the measure falling into the lo...

For consumers, privacy is the fundamental determinant of cyber trust. The degree to which financial institutions protect consumer privacy and enhance authentication and identity verification to remove PII from the process also is essential. Jave...

The industry is missing the mark with youth banking. Rather than standard free kid-size accounts, what parents really want is a youth program that provides a logical, incremental path to financial independence: saving before spending, managing c...