Research

North Korean attackers’ latest efforts to target foreign policy experts through a technique known as quishing expose long-standing bring-your-own-device vulnerabilities that U.S. organizations have failed to address. Socially engineered attacks ...

Crypto gateways are no longer “pay with crypto” at checkout. They’re becoming digital money routers that connect wallets, stablecoins, and fiat inside existing payment flows. This report breaks down direct and indirect gateway models, details wh...

Developer portals at banks serve the dual purpose of democratizing access to its financial products and attracting top tech talent, ensuring FIs remain top of wallet and on the bleeding edge of innovation. This Javelin Strategy & Research report...

The development of open agentic commerce protocols—notably the Universal Commerce Protocol (UCP) and Agent Commerce Protocol (ACP)—represent an expected and necessary alternative to the early, essentially proprietary solutions. The flurry of 202...

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...