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How to Help Car Buyers Break the Cycle of Debt

Javelin’s case study compares two starkly different car buyers—one who builds car payments into their monthly budget for life, the other who breaks the cycle of debt by keeping cars longer and turning payments into savings. The financial fates o...

Credit Card Issuance by Small Issuers: Strategies, Risks, and Options

Community banks, credit unions, and banks of all sizes face an imperative of having a presence in payment cards. With almost 600 million credit cards in the United States and 230 million adults using them, these cards are the standard access veh...

Sunsetting Secure Messaging? Get These 5 Things Right First

Secure messaging is at a pivotal point as banks and credit unions make the switch to chatbots and live chat. Because customers are accustomed to secure messaging but expect instantaneous service, financial institutions must strategically balance...

Managing Cards as a Service

Companies that provide card-as-a-service (CaaS) offerings are flourishing under a range of descriptions. The overlaps among CaaS providers, banking-as-a-service (BaaS) providers, and payment processors can be considerable, as each acts as an int...

Shredding Inefficiency: A Blueprint for Eliminating Paper Checks

The use of paper checks in commercial payments doggedly persists, accounting for 33% of such transactions globally, with an overwhelming number of corporations still accepting checks and sending them out. It’s past time to make the switch to ful...

Wealth Accounts at Increasing Risk of Scams and Cyber Takeovers

Romance scams are hard to detect. Wealth management clients are often affected by the most devastating and nefarious types of scams—scams that are long-running and result in the perpetual draining of investment accounts linked to retirement, inh...

Eco-Focused Payment Cards: It Pays to Be Green

As financial institutions and card issuers increasingly embrace sustainable practices with their card programs, they’re also finding a way to engage their customers with innovative, recyclable materials for the physical cards and compelling opti...

How Recurring Payments Through Subscriptions Drive Business Growth

Subscriptions are flourishing, in line with rising generations of consumers who value accessibility to services over the ownership of things. With those subscriptions come recurring payments, which are popular with merchants and consumers alike....

Javelin Prepaid Consumer Sentiment: A Generational View

Looking at the usage of prepaid card products across generations reveals some interesting insights card companies can use in targeting their messaging. Consumers in the younger generations—Generation Z (born in 1997 and later) and Millennials (b...

Generative AI in Small-Business Banking: The Race Is On

Generative AI is poised to revolutionize the way small businesses interact with their banks. But are financial institutions ready to seize the opportunity? Fintechs like Intuit, Block, and PayPal forge ahead with AI-powered tools designed to str...
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