Research

The PFM space has always been FIs’ game to lose. However, the longstanding success of the app Mint and the reaction to its demise underscore that an opportunity for FIs to win remains if they can learn from the past. In this report, Javelin Stra...

Changes are afoot in the debit card market as higher prices drive more consumers toward credit for everyday payments and users increasingly demand digital payment technologies. This Javelin Strategy & Research report takes a comprehensive look a...

Artificial intelligence and its potential to transform merchant operations has been a hot topic for some time. At the National Retail Federation’s annual conference in New York in mid-January, the focus sharpened, with industry leaders talking a...

This annual report by Javelin Strategy & Research—the first of two parts, this one looking at external factors and their impact on the credit card market—finds that the leading indicators point toward stability. Unemployment and bankruptcies are...

The adoption of instant payments in the global business-to-business (B2B) market is poised to surge, driven by advancements in technology that have enabled financial institutions to create efficient, secure real-time payment systems and a growin...

For small-business owners, banking is not just a series of transactions but also a pivotal part of their long-term business strategy and growth. They seek a banking partner that understands the intricacies of their business and can provide not o...

Small and medium-sized banks, short on the resources to rebuild their infrastructure and long frustrated by the slow pace of innovation by some core banking service providers, are benefitting from a shift in tactics. Those providers are increasi...

Latin America—as a region and as ground being seeded for the future of payments—is vast, diverse, and resistant to attempts to bring it into homogeneity. The region encompasses around two dozen countries with their own currencies, monetary polic...

Digital banks and some major issuers are incentivizing customers with debit rewards and other perks. The rewards, most commonly cashback, have proven popular with consumers and increased debit card spending. Retails and merchants are also reward...

As various cohorts of investors look for ways to outperform equities and inflation, an increasing number are turning toward products within the digital asset ecosystem. Participation in decentralized finance comes with a different set of protoco...