What shapes consumer transactions and payment technologies, and where is it going?
Any conventional wisdom about payments—how they’re made, the currencies being used, the cards presently in favor—doesn’t last long before the next wave of technology, innovation, and regulation. Javelin’s analysts conduct research at the forefront of payments, identifying the emerging trends for financial services companies and payments providers and offering insight into how they can best position themselves not just for what is current but also for what is coming.
Payments Research
Reports
2025 Payments Trends
Join industry experts James Wester and Brian Riley as they explore key trends and predictions shaping the Payments landscape in the year ahead. Gain valuable insights to stay ahead of the curve and prepare for what's next in this ever-evolving i...
The Evolution of Omnichannel Payment Strategies
Successful merchants are growing by meeting customers where they are, whether that’s in-store, online e-commerce, or on the go via their mobile devices. New technologies enable merchants to create a universal and consistent shopping experience f...
Tokenization: Growth Trend or Fad?
We’re in the early days of the tokenization of real-world assets through blockchain technology, and the growth rates are impressive. Further, utilizing this rising technology is delivering key efficiencies and reduced costs across a range of use...
CBDCs: Where Are We Now?
As the global development of central bank digital currencies advances, with the Bank for International Settlements at the center of many projects, central banks are zeroing in on key considerations: wholesale vs. retail CBDCs, public vs. private...
The Growing Importance of FinOps at Financial Institutions
As financial institutions increasingly embrace the power of technology and remake themselves through cloud computing and the harnessing of artificial intelligence, FinOps teams step to the fore. FinOps align the many relationships between banks ...
Debit Cashback Fees: A Customer Service or a Merchant Revenue Generator?
This Javelin Strategy & Research impact note considers the acquisition of cash through debit cards from several perspectives: banks and retailers that consider debit card cash back an “on-us” service to consumers, entities that impose fees on th...
2025 Javelin Trends Webinars
Diving into the digital financial services trends and predictions our experts see coming in 2025.Payments: January 16 at 12 PM ESTFraud & Security: January 23 at 12 PM ESTDigital Banking: January 30 at 12 PM ESTWealth Management: February 6 at 1...
21st Annual U.S. Open-Loop Prepaid Card Market Forecast, 2024-2028
Open-loop prepaid programs continue to show consistent and strong growth opportunities across most market verticals. This Javelin Strategy & Research report, the 21st annual assessment of the open-loop ecosystem, identifies a new period of signi...
Cross-Border Payments and the Impact of Tariffs: An Opportunity for Fintechs
Fintechs are bringing diverse options to the world of cross-border payments, which were once solely marked by opaque and costly movement through correspondent banking channels. Now, with President-elect Donald J. Trump about to begin a new term,...
Imagining a Cardless U.S. Payments Landscape, Part 2
The physical card—whether credit, debit, or prepaid—is the great driver of transactions across the payments landscape, wielded by large percentages of consumers regardless of age. But what happens in some future when the card form is usurped by ...