Overall, the U.S. credit card industry is on sound footing, although downstream economic issues could threaten to disrupt the norm, particularly at the lower end of the market, where charge-offs threaten bank profits and create marginal returns ...

Innovative psychological and behavioral techniques are revolutionizing the way digital investor risk assessment is conducted, evolving it from a mere checkbox routine into an empowering process that encompasses strategic financial planning and e...

The fragmentation of the U.S. financial markets has created open-banking standards that are quite different from those found in Europe. In the United States, companies that enable permissioned access to account-level data have emerged to fill th...

This Javelin Strategy & Research impact note looks at potential ways FedNow and the RTP network by The Clearing House can support new use cases for instant consumer debit payments. Real-time payments enable retailers to improve customer experien...

In 2023, for the first time, the North American PaymentsInsights (NAPI) Digital Transactions and Emerging Technologies Survey captures moment-in-time data about the metaverse, biometric authorization, privacy and security, and digital ID use. Th...

FedNow’s recent launch is a landmark development in the push toward a ubiquitous and affordable instant payments regime in the United States. For small businesses, instant payments promise to improve cash-flow management, enhance liquidity, redu...

This report covers Javelin research and expectations on how economic and regulatory issues are affecting the prepaid card market. The report covers direct and broad scale regulatory changes occurring in 2023 with a particular lens into their eff...

Credit card rewards programs are expensive and intricate for issuers to maintain, but they are also enormously popular with cardholders and a significant driver of customer acquisition. This Javelin Strategy & Research looks at the current lands...

Truly decentralized blockchains attract participation that provides worldwide transparency and reinforces why they were developed in the first place. But blockchain networks also have a problem: As the number of network users increases, so do ne...

Toronto-based Canadian Imperial Bank of Commerce exhibited the most comprehensive use of digital channels, earning Best in Class—the top overall honor—in both mobile and online banking in the 2023 Canadian Online and Mobile Banking Scorecard fro...