Research

An order by President Donald J. Trump to eliminate the issuance and acceptance of paper checks by the government isn’t the first time an effort has been made to limit the use of the payment method. But with digital options flourishing and consum...

Banks and credit unions in the auto financing market are under threat. Digitalization has profoundly refashioned how consumers shop for cars, line up financing, and pay off their loans. Javelin’s analysis shows that financial institutions engage...

The infrastructure to meet the needs of emerging technologies like artificial intelligence, digital assets, and blockchain will be extensive and expensive. Decentralized physical infrastructure networks—known as DePIN—offer a cost-effective appr...

A move by FIS to unload Worldpay—which it acquired to much hoopla in 2019, a year that also saw a huge deal between Global Payments and TSYS—illustrates the difficulty of finding synergies across the payments value chain. On the surface, owning ...

The newly approved Capital One-Discover merger, which comes with a combined $250 billion loan book, creates a behemoth in payments but will require firm and judicious leadership to integrate the best of both companies’ worlds. This Javelin Strat...

The decision by a merchant to impose a surcharge on credit card transactions—usually a percentage of the purchase price to offset the cost of card acceptance—is understandable but still an untenable risk in most situations. Amid ever-expanding p...

Small businesses represent the backbone of the U.S. economy, but they also struggle with the cash flow necessary for long-term survival. Amid the U.S. imposition of tariffs, many small businesses are facing the prospect of supply chain disruptio...

Javelin Strategy & Research’s analysis of security centers at seven top-performing financial institutions reveals widespread gaps in empowerment features and a failure to tell a coherent story of fraud prevention, detection, and resolution. Secu...

Push notifications represent a missed opportunity in business banking. They have the potential to be one of the most direct and immediate ways for banks to engage with their customers, yet most banks use them as a simple reporting tool. This rep...

Payment orchestration has come to the forefront as enterprise merchants work to squeeze the most from their payment platform. In addition to optimizing authorization rates, merchants wrestle with new payment types, expansion into new sales chann...