Research

Payment orchestration for banks is fundamentally about lowering costs, increasing efficiency, and creating better customer journeys. The process of building orchestration architecture, however, is more complicated for banks than it is for mercha...

Among fraud losses, check fraud ranks the highest within several financial institutions. Paper checks—containing an abundance of valuable sensitive information—are prime targets for criminals who can easily alter and deposit them or use the info...

Javelin’s annual update covers how economic and regulatory issues are affecting the prepaid card market. This report covers direct and broad-scale regulatory changes occurring in 2024, putting a particular lens on their effects on various prepai...

In an increasingly complex and competitive world of commercial payments, automation of the accounts receivable and accounts payables processes allows companies to maintain tighter control of spending, take better advantage of price breaks, and e...

Biller direct payments are preferred by consumers over payments initiated through bank bill pay platforms. Closing the gap and engaging more customers will require financial institutions to build better user experiences, embrace consumers’ desir...

Many banks and credit unions with aging customer bases worry they will alienate Baby Boomers by pouring investments into mobile-first banking to woo younger consumers. But mounting evidence suggests that digital strategists are safe—and wise—to ...

The Markets in Crypto Assets (MiCA) regulation in the European Union sprang from existing rules governing securities but was tailored specifically for the fast-moving, ever-evolving cryptocurrency industry. It brings important clarity to the EU,...

Despite years of anti-fraud investment, account takeover (ATO) continues to plague financial institutions and consumers. Traditional authentication methods offer too many gaps of opportunity for cybercriminals, primarily because of easily compro...

Alerts enable banks to initiate meaningful digital conversations and entice customers to log in to learn, seek advice, and act. But a Javelin Strategy & Research analysis of eight major U.S. financial institutions shows that alerts remain diffic...

The first General-Purpose Reloadable Card Program Scorecard by Javelin Strategy & Research evaluates 10 major card programs across a variety of features, looking at the programs through the lens of consumer use. In a competitive marketplace, the...