Research

Credit card income will continue its downward trend in 2024 and 2025 as issuers face revenue and expense pressures. The shortfall between 2022 and 2023, when the ROA fell from 4.70% to 3.33%, will likely result in the measure falling into the lo...

For consumers, privacy is the fundamental determinant of cyber trust. The degree to which financial institutions protect consumer privacy and enhance authentication and identity verification to remove PII from the process also is essential. Jave...

The industry is missing the mark with youth banking. Rather than standard free kid-size accounts, what parents really want is a youth program that provides a logical, incremental path to financial independence: saving before spending, managing c...

Credit unions setting their sights on small-business banking face many obstacles, including the need to upgrade digital banking to serve the money management and financial health needs of business owners, expand product suites to support growing...

The cryptocurrency and digital assets industry is having its political moment this year as one presidential candidate signals solidarity and another seems open to resetting what has been a fraught relationship. Regardless of the electoral outcom...

One year after the introduction of the FedNow instant payment service, participation by financial institutions is soaring and transaction volumes and values are up across the faster payment services offered in the United States. Against this bac...

Javelin Strategy & Research’s periodic check-in on the state of global instant payments finds rapid adoption across the globe, with volumes in places like the United States, Asia, India, and Brazil growing month after month. Instant payments, wi...

No company is immune from insider attacks. Employees are the weakest link in the prevention of cybersecurity attacks and are actually the cause of many major cybersecurity incidents. Companies that fail to prevent employee-related cyber incident...

Credit unions stand at a crossroads in business banking. As their consumer membership base gradually erodes, many are turning to business services as a lifeline for growth. But can these community-focused institutions truly compete with banking ...

Any contemplation of a cardless future in U.S. payments starts with a definition of terms: The question is whether the form—physical credit and debit cards wielded at the point of sale—will survive. The function—payments that take place on card ...