Research

Digital wallets are made possible by a chip in smartphones that enables the phones to function like payment cards when they’re tapped on an accepting terminal device. Now those same chips, utilizing near-field communication technology, have been...

There is a seismic shift in financial services as social media platforms become critical sources of investment data for traders and advised clients. Professional and amateur online communities are flourishing, offering tips, opinions, and strate...

In this scorecard, Javelin evaluates leading financial institutions’ level of cyber trust based on key components: privacy, cybersecurity, education and resolution support. Shifting customer attitudes (and customers’ greater awareness of fraud a...

The digital-only payer—one who has left behind the physical wallet and its tangible payment forms—is a popular creature in the media, one who fronts declarations that all-digital payments have taken over. But the data points paint a more complic...

Users of TikTok and other social media platforms have accelerated check fraud by exploiting known gaps in check fraud detection processes. The viral TikTok Chase Bank “glitch” posts have unearthed consumers’ willingness to commit the age-old fra...

The Consumer Financial Protection Bureau dealt fintechs focused on earned wage access a blow when it issued an interpretive ruling that their products will be considered loans subject to the Truth in Lending Act. This would rebalance the playing...

A 10% cap on credit card interest rates—an idea floated in the presidential race—would have profound effects on the credit card market, cutting deeply into how credit cards are priced and provisioned against losses and necessitating moves by the...

Payment orchestration for banks is fundamentally about lowering costs, increasing efficiency, and creating better customer journeys. The process of building orchestration architecture, however, is more complicated for banks than it is for mercha...

Among fraud losses, check fraud ranks the highest within several financial institutions. Paper checks—containing an abundance of valuable sensitive information—are prime targets for criminals who can easily alter and deposit them or use the info...

Javelin’s annual update covers how economic and regulatory issues are affecting the prepaid card market. This report covers direct and broad-scale regulatory changes occurring in 2024, putting a particular lens on their effects on various prepai...