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In-Store Checkout Choices: A Generational Look at Trusted Payment Methods

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...

Typecast for P2P: How Venmo and Cash App Are Expanding Beyond Paying Friends and Family

  • Impact Note
  • Date: June 27, 2025
  • Author(s): Elisa Tavilla
  • Research Topic(s): Debit
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...

CBDCs Are Dead—for Now. What Comes Next?

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 ...

Credit Card Rewards and Income Segmentation: Travel Points Toward The Affluent

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...

From Hype to Impact: How AI is Transforming Credit

  • Javelin Report
  • Date: June 24, 2025
  • Author(s): Ben Danner
  • Research Topic(s): Credit
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 ...

Global Biometric Pilots Help Smooth the Way for U.S. Adoption

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...

In-House Payment Options for Merchants: Time for a New Look

  • Javelin Report
  • Date: June 24, 2025
  • Author(s): Don Apgar
  • Research Topic(s): Merchant
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...

Amex and Chase Face Off on Premium Credit Cards, but the Backstory Is More Interesting

Moves by American Express and Chase to revamp their signature card reward products will bring the issuers into greater competition for the most affluent cardholders and carry reverberations for the rest of the industry. This Javelin Strategy & R...

Javelin Prepaid Consumer Sentiment: 3-Year Trend Highlights

As Javelin’s research into consumer sentiment toward prepaid products completes its third year, the findings highlight relative stability in most products, and that’s significant in today’s wildly fluctuating economic market. However, the data s...

2025 Mobile Banking Scorecard

U.S. Bank repeated as the Best-in-Class winner in the 2025 mobile banking edition of Javelin Strategy & Research’s industry-leading annual digital banking scorecards. U.S. Bank opened up a larger lead over Bank of America and was again challenge...
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