Research

Modernizing core banking systems is now essential for delivering real-time, secure, and scalable payments. This Javelin Strategy & Research report examines how legacy cores are being replaced or rebuilt with cloud-native, event-driven, and API-f...

Disinformation is among the leading cyber risks predicted in the wake of the June 21 U.S. strikes on Iran’s nuclear program. On June 22, the Department of Homeland Security issued an alert about increased cyber risk to critical infrastructure be...

Javelin’s analysis of 21 savings features in mobile banking at five top banks—Ally, PNC, Truist, U.S. Bank, and Wells Fargo—found that FIs largely take a check-the-box, product-focused approach to saving that leaves customers to decide for thems...

Trust in payment methods differs significantly across generations, revealing changing preferences in how consumers approach in-store payments. Younger generations, particularly Gen Zers and Millennials, are more likely to trust digital wallets o...

Popular person-to-person payment apps such as Venmo and Cash App pioneered the easy digital payment of friends and family with easy-to-use and engaging apps. The problem: Now, these platforms are finding it a challenge to go beyond the functiona...

In halting the development of a central bank digital currency, the current presidential administration has signaled a major shift toward private-sector innovation in digital currencies. This Javelin Strategy & Research report looks at what that ...

Cash back and points are the two major categories of credit card rewards on the market today. Cashback rewards offer an immediate and straightforward value proposition, whereas points-based rewards cards accumulate points over time for redemptio...

Advances in artificial intelligence have generated a high level of excitement and marketing spending as financial organizations seek to rebrand their technologies with “AI” and develop new credit decisioning and issuance solutions that leverage ...

The use of biometrics in merchant payments—such as facial scans and palm scans—has been slow to take root in the United States. But several pilot programs in other global markets, featuring the participation of companies active in the United Sta...

The big household names in retail, in-store and online, have always offered customers the most choices of ways to pay, along with deferred terms like layaway or installment credit. The category leaders have been early adopters of new payment met...