Research

Financial institutions, with digital banking experiences built largely for individuals, are missing the financial reality of most Americans. Consumers’ finances don’t exist in a vacuum; they are shared, split, merged, managed, and combined with ...

Payment fraud is becoming harder to detect as transactions move faster and fraud tactics evolve. Fraud teams are being pushed to make quick decisions with limited context, leading to detection failures. This report examines how AI can help fraud...

Target Circle Card program is a standout loyalty program for offering credit and debit card products. However, the program is under pressure, and there are lessons to be learned. From a product-offering standpoint, Target Circle covers all its b...

The credit card market, which appeared to be a candidate for saturation in recent years, continues to grow amid a resilient economy. Purchase volume reached $1.28 trillion in 2025, and credit cards remain the most popular payment vehicles among ...

When it comes to cultivating the next generation of investors, most banks today land squarely in Stage 2 of Javelin Strategy & Research’s six-stage Bridge to Investing Maturity Path, which involves grounding customers in the fundamentals of pers...

Governments want big businesses to pay suppliers faster, and they are using legislation to influence payment timing, with varying degrees of success. This report categorizes the main policy approaches, explains why some designs succeed while oth...

The Prepaid Card Data Book creates a baseline to highlight key metrics for the prepaid industry in brief, consolidated updates. This evaluation of the prepaid and stored-value market by Javelin Strategy & Research covers market estimates for the...

Agentic commerce is forecasted to reach $500 billion in sales by 2030, but what’s driving that growth? Consumers will vote with their wallets on which product categories and sales channels will be winners and losers as this new technology gains ...

JPMorgan Chase’s deal with Goldman Sachs to take over stewardship of the Apple Card sends both banks in the direction of their greatest strengths. JPMorgan Chase knows how to run a credit card program and can guide the Apple line toward growth a...

Javelin’s diagnostic analysis of AI-powered consumer-facing chatbots for 11 fintechs, non-bank lenders, and retail banks found that retail FIs consistently fail to provide personalized information and recommendations to prospective borrowers. Th...