Research

The new Layer 1 networks being developed by Stripe and Circle, focused on stablecoins, will become the backbone of a faster and more cost-effective payment economy. To this point, public Layer 1s haven’t provided the stable technological foundat...

This report is based on Javelin Strategy’s North American PaymentsInsights series’ annual survey. A web-based survey was fielded between July 22 – 30, 2025, using a Canadian online consumer research panel of adults aged 18 and older. The survey ...

This report is based on Javelin Strategy’s North American PaymentsInsights series’ annual survey. A web-based survey was fielded between July 14 – 26, 2025, using a US online consumer research panel of adults aged 18 and older. The survey of 3,0...

The second annual General-Purpose Reloadable Card Scorecard by Javelin Strategy & Research evaluates 16 major card programs across a variety of features, looking at the programs through the lens of consumer use. In a competitive marketplace with...

For banks and credit unions that seek to connect with young consumers, providing financial advice about student loan debt is a natural conversation starter that can establish long-term advisory relationships. But FIs generally do not treat debt ...

CSI’s acquisition of Apiture in August is a game-changer for a company that has long been a trusted provider of core banking for community banks. CSI is positioned to gain a market-leading, API-first digital banking solution that will open doors...

Balance transfer offers, when they unfold as designed, can be a win-win for credit card issuers and consumers. Consumers receive a credit card loan that’s interest-free for a prescribed time, and issuers can book the fee—often 3% to 5%—as immedi...

New York Attorney General Letitia James alleges that the Zelle platform has been falsely marketed as a safe and secure service despite owner Early Warning Services and banks blatantly ignoring for years widespread fraud across its platform, fail...

Legacy payment stacks still are still reliable, but they won’t work for the long term as payments evolve. The case for modernization for banks lies in improving their products and gaining measurable business results.

Success in commercial payments is no longer just about growing volume; it’s about proving value. This Javelin Strategy & Research report shows how a balanced-scorecard approach can align commercial payments providers’ key performance indicators ...