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2025 Small-Business Point-of-Sale System Scorecard

  • Javelin Report
  • Date: February 13, 2025
  • Author(s): Don Apgar
  • Research Topic(s): Merchant
Merchants have become comfortable buying financial services and technology together, bringing banks and financial services providers into the software market to compete with the software companies selling payments and other financial services. B...

Credit Card Databook, Part 2: Balancing Risk and Reward in a Resilient Economy

  • Javelin Report
  • Date: February 13, 2025
  • Author(s): Ben Danner
  • Research Topic(s): Credit
The U.S. consumer credit card market remains strong for issuers, but there is reason for concern and diligence in portfolio management. Credit cards, which remain highly popular among consumers, are seeing slower profitability growth, and rising...

Trump’s Cyber Avalanche and the Impact on U.S. Financial Institutions

For U.S. financial institutions, the twists and turns of the last few weeks around political promises that have quickly resulted in short-term wins for banks should be viewed with extreme caution and skepticism, as new cyber risks will undoubted...

Ongoing Onboarding: The Key to Deeper Customer Relationships

To deepen digital engagement beyond glance-and-go activities like reviewing balances, digital banking strategists must rethink how to onboard customers over the long haul. Javelin’s four-stage relationship deepening model maps out an ongoing onb...

Retirement Platforms: Target Date Funds and Robo-Advisors in the Crosshairs

Automated “set it and forget it” solutions now control trillions of dollars in retirement assets and robo-accounts. Mounting evidence suggests these simplified approaches may be compromising investors' long-term outcomes. The convergence of tech...

1033 in Small Business Banking: Dig In or Go on the Offensive?

Banks with small-business customers face a choice as they comply with the consumer data-sharing dictates of Section 1033: check the regulatory box or go big, treating Section 1033 as a catalyst for transformation that extends these capabilities ...

Getting Personal With Scams

One of the biggest issues plaguing U.S. efforts to mitigate scams is a lack of standardization in tracking and classifying the crimes. In that sense, there is much the United States could learn and adopt in the approaches taken by other global r...

Looking Past Deadlines: The ISO 20022 Opportunity

ISO 20022 is set to revolutionize payments with richer data, a seamless standard worldwide, and a forged path to future payment innovation. For mid-market banks, adoption isn’t just about meeting deadlines; it’s a chance to modernize payment sys...

New Stakes for Cyber Resiliency in the Era of Cyberwarfare

The war in Ukraine, the Iran-Israel conflict, and increasing tension between the United States and China have raised new concerns and emphasis around geopolitical risks. Attacks against the U.S. financial infrastructure undoubtedly are a sweet s...

2025 Instant Issuance Provider Scorecard

Fiserv stands atop the rankings in Javelin Strategy & Research’s inaugural Instant Issuance Provider Scorecard, earning Best in Class for its comprehensive, end-to-end offering that supports the entire customer lifecycle with robust features, in...
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