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AI Was the Talk of NRF 2024

  • Impact Note
  • Date: January 22, 2024
  • Author(s): Daniel Keyes
  • Research Topic(s): Merchant
Artificial intelligence and its potential to transform merchant operations has been a hot topic for some time. At the National Retail Federation’s annual conference in New York in mid-January, the focus sharpened, with industry leaders talking a...

Credit Card Data Book Part 1: Environmental Factors

  • Javelin Report
  • Date: January 19, 2024
  • Author(s): Ben Danner
  • Research Topic(s): Credit
This annual report by Javelin Strategy & Research—the first of two parts, this one looking at external factors and their impact on the credit card market—finds that the leading indicators point toward stability. Unemployment and bankruptcies are...

Commercial Instant Payments: Global Update Part 1

The adoption of instant payments in the global business-to-business (B2B) market is poised to surge, driven by advancements in technology that have enabled financial institutions to create efficient, secure real-time payment systems and a growin...

Customer Service Upgraded: Four Ways Digital Can Make Small-Business Banking Human Again

For small-business owners, banking is not just a series of transactions but also a pivotal part of their long-term business strategy and growth. They seek a banking partner that understands the intricacies of their business and can provide not o...

Coexisting in Payments: How Middleware Forges Alliances Among Smaller FIs, Core Providers, and Fintechs

Small and medium-sized banks, short on the resources to rebuild their infrastructure and long frustrated by the slow pace of innovation by some core banking service providers, are benefitting from a shift in tactics. Those providers are increasi...

Latin American Payments: The Emerging View From South of the Border

Latin America—as a region and as ground being seeded for the future of payments—is vast, diverse, and resistant to attempts to bring it into homogeneity. The region encompasses around two dozen countries with their own currencies, monetary polic...

Incentivizing Consumers Toward Debit Payments with Rewards

Digital banks and some major issuers are incentivizing customers with debit rewards and other perks. The rewards, most commonly cashback, have proven popular with consumers and increased debit card spending. Retails and merchants are also reward...

Roles of Digital Assets Within Investment Strategies

As various cohorts of investors look for ways to outperform equities and inflation, an increasing number are turning toward products within the digital asset ecosystem. Participation in decentralized finance comes with a different set of protoco...

The Future of Financial Fitness Depends on Mobile-First Experiences

Customer satisfaction with financial fitness features tumbled in 2023, underscoring the need for banks and credit unions to create compelling mobile-first experiences and effectively address the needs of novice Gen Z money managers. But perhaps ...

Engaging the Core Affluent Millennial Investor

Core mass affluent investors (those with $500,000 to $1 million in investable assets) are a central component of the advisor’s book. However, Javelin Strategy & Research investor survey data indicates that the age distribution of the core mass a...
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