Research

Credit card lending requires funding, and banks with credit card programs find themselves at an interesting point: The prime rate is at its highest level in decades, and in anticipation of decreasing rates in late 2024 and 2025, banks might want...

Decentralized technologies, including blockchain, provide a secure foundation for building identity solutions that are not only secure but also provide users with the ability to control access to their personal information. Additionally, these i...

Risk mitigation is crucial in gift card programs to provide positive customer experiences, protect against fraud and financial losses, and to secure organizational systems. Implementing measures such as employee training, usage tracking, and fra...

Pig butchering is a devastating, multilayered, drawn-out investment scam that leaves victims with nothing. By implementing robust customer education, employing effective fraud detection, and training observant call center representatives, FIs ca...

The next wave of payment modernization is rolling in. Technology has emerged to power more advanced payment solutions, including real-time payments rails and open banking. It follows previous iterations of technological transformations that laid...

Data privacy and security are hot-button issues for consumers and regulators. FIs must balance consumer privacy with the need to collect information for regulatory compliance. Further, fraud and money laundering mitigation requires a delicate ba...

The chargeback—a forced refund to a cardholder’s account that is initiated by the issuing bank—turns 50 years old later this year. The maneuver, legislated into existence to foster trust in card payments at a time when few consumers were using t...

Generation Z—those born from 1997 to 2012—is coming of age and moving steadily toward greater financial maturity. Members of this generation differ from their elders in significant ways, including a strong preference for debit and digital paymen...

To navigate the complex homebuying process, shoppers commonly seek guidance from non-bank influencers such as real estate agents, lending marketplaces, and digital lenders. Javelin Strategy & Research analyzed eight leading mortgage fintechs wit...

Nothing stays the same for fuel card providers, or for the fleet operators that rely on them. Declining fuel costs in 2023 cut into fuel card companies’ revenues, sending them off in search of other growth opportunities. Some of those opportunit...