Research

Much of the attention surrounding elder fraud concentrates on scams, but identity fraud and trusted-person financial exploitation also pose serious risks to older adults. These different forms of fraud can overlap, making prevention, detection, ...

Residual income is central to the independent sales organization (ISO) business. Over time, a portfolio can generate significant recurring compensation and become a tangible asset for the agent. When residual payments stop, what recourse do agen...

Agentic commerce is entering a new phase as personal assistants begin shopping and transacting through today’s web while the infrastructure for protocol-driven commerce continues to develop. For merchants, financial institutions, and payment pro...

A steady credit environment could make 2027 a year of opportunity rather than disruption for card issuers. Stable delinquencies and manageable charge-offs provide a solid foundation, but persistent inflation, unemployment, consumer financial str...

In a departure from embedded lending that takes place at the point of sale or outside the authenticated banking experience, financial institutions can use their proximity to and knowledge of active customers to embed lending at appropriate momen...

P2P payments have moved beyond occasional transfers to become a mainstream way consumers send, receive, and manage everyday money movement—reshaping expectations regarding speed, simplicity, and choice.

A wave of bank acquisitions and charter applications is upending the competitive landscape in small business banking. In September 2026 alone, Revolut received conditional approval to establish a U.S. national bank and Valley National Bank agree...

Balancing security and convenience is one of the most difficult and important tightrope walks in digital banking. FIs don’t need to neglect security or overhaul digital banking to offer easier customer experiences, but they need to ensure that t...

Mobile remains the primary digital channel for account opening, but digital account opening is still far from a digital-only experience. Applicants continue to move among mobile, online, and branch channels throughout the journey, with branches ...

Stablecoins have the potential to reshape cross-border payments, but the industry often confuses transaction volume and asset value with actual revenue opportunity. Javelin sizes the U.S. stablecoin remittance market using measurable payment flo...