Research

Prepaid card programs motor along while innovation bubbles beneath the service. In the coming year and beyond, Javelin sees three major themes playing out in the space. First, the idea that digital options are going to eliminate physical cards n...

Small businesses have always straddled two worlds. They expect the simplicity of consumer banking but often need the personalization and sophistication of corporate solutions. A turning point is coming in 2026 as FIs seek to deliver that balance...

The past few years have seen payment modernization and infrastructure improvements at financial institutions, but the next few years will require something new: a coordination of technology, processes, and policies. The banks and vendors that co...

Closed-loop prepaid programs continue to grow load volumes across the spectrum of use cases. In this report, Javelin Strategy & Research continues its annual assessment of closed-loop prepaid programs across a range of categories and identifies ...

This report is based on Javelin Strategy’s Buyer PaymentsInsights series’ annual survey. A web-based survey was fielded between September 11-29, 2025, using a U.S. online consumer research panel of adults aged 18 and older. The survey of 2,000 U...

Loyalty programs, an essential tool for customer acquisition for merchants of all types, are ubiquitous in the marketplace. This Javelin Strategy & Research note examines the growth of these programs from a vertical perspective, comparing this y...

The future of credit cards rests with younger consumers, in the 18-to-29 age range, and not with their parents and grandparents. Here’s the rub, though: These consumers are a much higher-risk bet for card issuers, more prone to serious delinquen...

This Primary Data Snapshot—a Javelin Strategy & Research report focusing on small business payment usage and behavior—shows that how small businesses use credit cards to pay for expenses varies on the basis of annual revenue.

Digital money has come to payments, but the now isn’t the future that was once envisioned. “Cryptocurrency”—the word and the experience—is receding, and moving value through digital assets—namely stablecoins—is flourishing, particularly on the c...

Cybercriminals leverage emojis to evade defenses and use them in phishing and spoofing attacks to deceive victims and steal sensitive information. Emojis are also used to control compromised systems and execute malicious actions remotely. Organi...