Research

Consumer payment habits show an interesting blend of change and resilience. As those habits relate to the use of checking accounts—and even fintech offerings that aren’t really checking accounts but can be used as if they are—perhaps the most in...

Stablecoins and tokenized deposits are redefining how banks participate in digital money. Much of the current discussion centers on which of these instruments banks should emphasize. Although there are clear differences between stablecoins and t...

Bank impersonation scams are on the rise and getting harder to detect. Criminals are using stolen information and crafting convincing messages to pose as banks, leaving victims in their wake. This report outlines how financial institutions can c...

Agentic commerce has seized the headlines in 2025 with announcements and plans for features from various players in the nascent space? But what does it all mean when so much of the future vision—from what agents are to how they’re acquired and d...

This annual update by Javelin Strategy & Research covers how economic and regulatory issues are affecting the prepaid card market. It focuses on how the prepaid market may be affected by changes to broad-scale federal policy as well as direct fe...

Javelin’s 2025 Small Business Digital Banking Vendor Scorecard evaluates seven leading vendors that provide online and mobile banking platforms for small businesses. Q2 claimed the top spot thanks to the configurability of its platform and stron...

The U.S. adult population grew by 10% from 2016 to 2025, but credit card acquisitions advanced at a rate almost five times faster. Cardholders are not just accumulating credit cards; they increased their revolving debt in that period by more tha...

This Primary Data Snapshot report examines small-business preferences for online bill payment methods, helping providers align their solutions with business needs.

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...