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
Catching Up With Faster Payments
The push for real-time payments is gaining momentum in the United States, but the share that’s shifting to such payments remains minimal. By taking cues from the success of real-time payments in other global markets and creating expanded busines...
Tumultuous Times: Uncertainty at the CFPB and Financial Services Regulations
The Consumer Financial Protection Bureau’s future is in question amid scrutiny by the Trump administration and Elon Musk’s Department of Government Efficiency. An order to stop work on proposed regulations, suspend the effective dates of finaliz...
2025 State of the Industry: Commercial Prepaid Cards
The commercial prepaid market should present divergent opportunities for growth, given the positive growth in business-to-business relationships and stagnant or shrinking government sector programs. This Javelin Strategy & Research report looks ...
2025 Small-Business Point-of-Sale System Scorecard
Merchants have become comfortable buying financial services and technology together, bringing banks and financial services providers into the software market to compete with the software companies selling payments and other financial services. B...
Credit Card Databook, Part 2: Balancing Risk and Reward in a Resilient Economy
The U.S. consumer credit card market remains strong for issuers, but there is reason for concern and diligence in portfolio management. Credit cards, which remain highly popular among consumers, are seeing slower profitability growth, and rising...
2025 Javelin Trends Webinars – Two New Sessions Added!
Diving into the digital financial services trends and predictions our experts see coming in 2025.
Looking Past Deadlines: The ISO 20022 Opportunity
ISO 20022 is set to revolutionize payments with richer data, a seamless standard worldwide, and a forged path to future payment innovation. For mid-market banks, adoption isn’t just about meeting deadlines; it’s a chance to modernize payment sys...
2025 Instant Issuance Provider Scorecard
Fiserv stands atop the rankings in Javelin Strategy & Research’s inaugural Instant Issuance Provider Scorecard, earning Best in Class for its comprehensive, end-to-end offering that supports the entire customer lifecycle with robust features, in...
Harnessing AI Through Blockchain
There is a growing convergence of AI and blockchain, where the transparency and decentralization of blockchain meet the power and adaptability of AI. From decentralized AI enhancing privacy to smart contracts enabling real-time decisions, real-w...
Fintech Investing: 3 Trends to Watch in 2025
Venture capital investment in fintech is being gobbled up by AI startups, but the implications for players in the payments space is much more expansive. In the year ahead, look for innovations in marketing through payments, vertical software as ...