Research

Fraudsters are finding new ways to open accounts without being detected. By using bots, AI-generated documents, deepfakes, and synthetic identities, they can slip past onboarding controls. This report examines why new-account fraud goes unnotice...

Level II and III data have long been a source of price relief for merchants that accept corporate, commercial, and purchasing cards. However, much of that price relief has been offset by gateways and PSPs plugging those data fields with placehol...

Digital banking is under increasing pressure to deliver revenue, not just convenience. Monetization strategies must evolve beyond the narrow mindset that monetization means simply charging fees and instead focus on creating long-term value by de...

The new Layer 1 networks being developed by Stripe and Circle, focused on stablecoins, will become the backbone of a faster and more cost-effective payment economy. To this point, public Layer 1s haven’t provided the stable technological foundat...

This report is based on Javelin Strategy’s North American PaymentsInsights series’ annual survey. A web-based survey was fielded between July 22 – 30, 2025, using a Canadian online consumer research panel of adults aged 18 and older. The survey ...

This report is based on Javelin Strategy’s North American PaymentsInsights series’ annual survey. A web-based survey was fielded between July 14 – 26, 2025, using a US online consumer research panel of adults aged 18 and older. The survey of 3,0...

The second annual General-Purpose Reloadable Card Scorecard by Javelin Strategy & Research evaluates 16 major card programs across a variety of features, looking at the programs through the lens of consumer use. In a competitive marketplace with...

For banks and credit unions that seek to connect with young consumers, providing financial advice about student loan debt is a natural conversation starter that can establish long-term advisory relationships. But FIs generally do not treat debt ...

CSI’s acquisition of Apiture in August is a game-changer for a company that has long been a trusted provider of core banking for community banks. CSI is positioned to gain a market-leading, API-first digital banking solution that will open doors...

Balance transfer offers, when they unfold as designed, can be a win-win for credit card issuers and consumers. Consumers receive a credit card loan that’s interest-free for a prescribed time, and issuers can book the fee—often 3% to 5%—as immedi...