Research

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...

In 2023, a wide range of cross-sector businesses ranked dark web intelligence tools as their most effective fraud, identity, and authentication methods. Javelin’s upcoming cybersecurity scorecard, the 2025 Dark Web Threat Intel Vendor Scorecard,...

Payment hubs promised to simplify payments, but many never lived up to that vision. As real-time payments, open banking, and platform modernization reshape the landscape, banks are looking beyond their hubs to what comes next. This report explai...

Javelin’s analysis of verbatim comments from more than 1,000 U.S. customers with modest to low satisfaction with alerts sends a clear message that these communications from financial institutions are subpar. These customers remain unaware of ale...

Fraudsters are finding new ways to open accounts without being detected. By using bots, AI-generated documents, deepfakes, and synthetic identities, they can slip past onboarding controls. This report examines why new-account fraud goes unnotice...

Level II and III data have long been a source of price relief for merchants that accept corporate, commercial, and purchasing cards. However, much of that price relief has been offset by gateways and PSPs plugging those data fields with placehol...

Digital banking is under increasing pressure to deliver revenue, not just convenience. Monetization strategies must evolve beyond the narrow mindset that monetization means simply charging fees and instead focus on creating long-term value by de...