Research

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...

This Primary Data Snapshot—a Javelin Strategy & Research report focusing on consumer payment usage and behavior—shows how consumers, particularly younger ones, are leveraging the power of AI technology in their in-store and e-commerce shopping e...

It’s early in the game for AI tools and especially for AI agents, and for the first time Javelin Strategy & Research’s North American PaymentsInsights survey has put consumers’ use of those technologies into play. The picture is taking shape, of...

Mass-market credit cards must balance features and rates to attract average U.S. consumers. This Javelin Strategy & Research report benchmarks general-purpose credit cards by 10 major issuers with an eye toward the most appealing pitches across ...

Payment providers looking for integration and partnership opportunities with accounts payable and accounts receivable vendors are well-advised to assess potential synergies based on workflow adjacency rather than broad solution categories. Javel...