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
Reducing Operational Risk Through Careful Credit Line Decreases
Calibrating a credit limit during underwriting is essential, but the line should undergo periodic review to ensure it serves the cardholder’s requirements and the issuer’s risk appetite. Credit card issuers often review accounts for line increas...
Cryptocurrency and the Digital Advice Opportunity
The investment landscape is changing. Nearly half of advised investors also have self-directed accounts, and a good number of those investors are investing in cryptocurrency. Further, they’re often using third-party retail brokers and crypto exc...
Banks, Credit Unions, & Crypto
Join experts from CryptoFi, Finastra, Chainalysis, Javelin Strategy & Research, and Strategic Resource Management, Inc. as they discuss the opportunity, strategy, and use cases that digital ledger technology (DLT) and digital assets like cryptoc...
Buy Now, Pay Later’s Suddenly Uncertain Future
Buy-now, pay-later (BNPL) products—largely pioneered by fintechs—have proved enormously popular with consumers and have drawn the interest of credit card networks and traditional financial institutions that want to get in on those payments. But ...
Time to Improve Virtual Card Acceptance
This research report reviews the fundamental steps for gaining increased supplier acceptance, as well as provide some compelling arguments for why virtual cards are often a better choice than other payment types.
Campus Cards Return to Significance, and With It, Opportunities for Issuers
The campus card market was significantly disrupted during the past several years as the pandemic created havoc on academic campuses around the United States, and with it, declining use. This viewpoint examines the current environment for campus ...
Digital Channels Are Key for Customer Acquisition
Acquiring new customers is one of the most important aspects of sustaining a credit card business and one of the costliest areas of the marketing budget. Issuers must always stay in tune with new trends in card marketing and onboarding as well a...
Upping the Ante: Deconstructing the BlackRock and Coinbase Integration
BlackRock and Coinbase are partnering to offer bitcoin, which will give institutional investors access to crypto. This puts them at the forefront of institutional adoption and in competition with Fidelity Digital Assets, which has built its cryp...
Social Commerce and Its Impact on Payments
Social media started as a place for people to connect, while search engines were the way consumers shopped for what they wanted. With social commerce, social media sites are becoming more like shopping malls where consumers can both socialize an...
Inflation: Keep an Eye on the Consumer Budget
In the United States, the Federal Reserve Bank measures the inflation rate with the consumer price index (CPI), compiled by the Bureau of Labor Statistics. The CPI tracks 200 spending categories, classified into eight groups: food and beverages,...