Research

Despite headwinds that include significant financial strain on consumers despite a broadly stable economy, debit remains resilient—especially among younger consumers and lower income households. Furthermore, co-branded rewards debit and small bu...

Investment in fintechs’ payment technology in 2026 is being shaped by a strong shift toward “bridging technologies” that connect legacy systems with emerging capabilities. Investors are prioritizing startups with clear revenue paths, enterprise-...

Public websites at banks routinely miss the opportunity to position digital banking as a compelling differentiator as prospective customers shop for accounts. A review of leading institutions shows that public sites often default to commoditized...

Hyperliquid didn’t win market share by focusing on decentralization. Rather, it won by rebuilding market structure from a decentralized standpoint. This report explains how a centralized exchange experience, an on-chain centralized limit order b...

The commercial prepaid market continues to provide overall growth, with concern continuing in government verticals. Providers would be well-positioned to focus on business-to-business relationships for growth while maintaining government relatio...

Millennial and Generation Z business owners stand distinct from their older peers not just on the basis of age. Millennials and Gen Z grew up in a world where banking is digital-first, payments are electronic and always on, self-service is the d...

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...