Check use is declining.  The adoption of alternative payments, like debit cards, ACH transfers, peer-to-peer (P2P) payments, and digital wallet transactions has accelerated in the wake of the COVID-19 pandemic. But none of these payments forms i...

Digital wallets have long been a place to store payment cards, boarding passes, and tickets. More recently, tech providers like Apple have added mobile driver’s licenses on a limited basis. As more non-financial products and documents, such as d...

The humble ATM, once the center of the cash-disbursement universe, is facing a steady erosion in use. It has been battered by the pandemic—first, by an abrupt and permanent shift in consumer payment habits, and second, by a sharp rise in crimina...

The use of prepaid cards surged during the pandemic. Although the pandemic-related subsidies are disappearing, this Javelin Strategy & Research impact note demonstrates how new opportunities are emerging to continue to innovate and offer prepaid...

The model established by payment facilitators—known as PayFacs—enabled millions of businesses to accept a range of payments. Now, however, the model is maturing, prompting PayFacs to look at other avenues for growth and to deepen their merchant ...

The recent failures of Silicon Valley Bank and others have the global community once again calling into question the quality of bank regulations, the ability of government personnel to be stewards of those regulations, and the diligence of bank ...

This report details what small-business banking products are offered by big fintechs, analyzes feature strengths and weaknesses in relation to offerings by traditional financial institutions, and underlines the very real threat posed to traditio...

Fleet operators face a variety of challenges in fueling and maintaining their vehicles, and they have a range of payment options available to them, involving closed-loop and open-loop card products. New technology is coming fast to an industry t...

As older payment methods recede, pay-by-bank is emerging as a contender at the point of sale. It allows consumers to continue using the funds in their checking accounts, as they do with ACH payments, but adds greater security with real-time auth...

Generative artificial intelligence is not just hype. It is a high-impact technology that requires the attention of leaders in every industry. Payments and financial services products and business models are at risk, but they will not be affected...