Student-Loan Debt and Anxiety: How Fintechs are Beating Banks

Student-Loan Debt and Anxiety: How Fintechs are Beating Banks

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 Creates a Formidable Full-Stack Player

CSI’s Acquisition of Apiture Creates a Formidable Full-Stack Player

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...
Credit Card Balance Transfers: A Consumer’s Opportunity and an Issuer’s Bet

Credit Card Balance Transfers: A Consumer’s Opportunity and an Issuer’s Bet

  • Javelin Report
  • Date: September 3, 2025
  • Author(s): Brian Riley
  • Research Topic(s): Credit
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...
Human Cyber Intelligence: The Missing Link in Scam Prevention

Human Cyber Intelligence: The Missing Link in Scam Prevention

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...
Unpacking The Modern Payment Stack: What Matters Most for Banks

Unpacking The Modern Payment Stack: What Matters Most for Banks

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.
From Volume to Value: Balanced Scorecards for Commercial Payments

From Volume to Value: Balanced Scorecards for Commercial Payments

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 ...
Shifting the Balance: How Consumers Are Using Bank Accounts Today

Shifting the Balance: How Consumers Are Using Bank Accounts Today

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 vs. Tokenized Deposits

Stablecoins vs. Tokenized Deposits

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...
Avoid the Fake: How AI Can Stop Bank Impersonation

Avoid the Fake: How AI Can Stop Bank Impersonation

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...
Making Sense of Agentic Commerce: How Do We Get Started?

Making Sense of Agentic Commerce: How Do We Get Started?

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...