Research

Banks with small-business customers face a choice as they comply with the consumer data-sharing dictates of Section 1033: check the regulatory box or go big, treating Section 1033 as a catalyst for transformation that extends these capabilities ...

One of the biggest issues plaguing U.S. efforts to mitigate scams is a lack of standardization in tracking and classifying the crimes. In that sense, there is much the United States could learn and adopt in the approaches taken by other global r...

ISO 20022 is set to revolutionize payments with richer data, a seamless standard worldwide, and a forged path to future payment innovation. For mid-market banks, adoption isn’t just about meeting deadlines; it’s a chance to modernize payment sys...

The war in Ukraine, the Iran-Israel conflict, and increasing tension between the United States and China have raised new concerns and emphasis around geopolitical risks. Attacks against the U.S. financial infrastructure undoubtedly are a sweet s...

Fiserv stands atop the rankings in Javelin Strategy & Research’s inaugural Instant Issuance Provider Scorecard, earning Best in Class for its comprehensive, end-to-end offering that supports the entire customer lifecycle with robust features, in...

Although 18 of the top 20 U.S. banks have a chatbot, they continue to fail at providing meaningful answers to customers beyond simple requests, significantly hindering their ability to become trusted customer service options. A Javelin Strategy ...

There is a growing convergence of AI and blockchain, where the transparency and decentralization of blockchain meet the power and adaptability of AI. From decentralized AI enhancing privacy to smart contracts enabling real-time decisions, real-w...

Venture capital investment in fintech is being gobbled up by AI startups, but the implications for players in the payments space is much more expansive. In the year ahead, look for innovations in marketing through payments, vertical software as ...

The U.S. consumer credit card market looks to be stable and resilient in 2025, with a few potential legislative curveballs from the new presidential administration that bear watching, including controls on interest rates (which Javelin views as ...

Open-loop and closed-loop prepaid segments have stabilized, with a slight uptick in overall growth aided by positive consumer behaviors and the introduction and expansion of gaming and gambling stored-value verticals into the evaluation. In 2025...