Research

The move toward digital forms of ID is accelerating around the United States, and a greater use of such identification methods promises to reduce fraud losses and increase security. However, digital ID is not a cure-all for cybercrimes, nor will...

Javelin’s case study compares two starkly different car buyers—one who builds car payments into their monthly budget for life, the other who breaks the cycle of debt by keeping cars longer and turning payments into savings. The financial fates o...

Community banks, credit unions, and banks of all sizes face an imperative of having a presence in payment cards. With almost 600 million credit cards in the United States and 230 million adults using them, these cards are the standard access veh...

Secure messaging is at a pivotal point as banks and credit unions make the switch to chatbots and live chat. Because customers are accustomed to secure messaging but expect instantaneous service, financial institutions must strategically balance...

Companies that provide card-as-a-service (CaaS) offerings are flourishing under a range of descriptions. The overlaps among CaaS providers, banking-as-a-service (BaaS) providers, and payment processors can be considerable, as each acts as an int...

The use of paper checks in commercial payments doggedly persists, accounting for 33% of such transactions globally, with an overwhelming number of corporations still accepting checks and sending them out. It’s past time to make the switch to ful...

Romance scams are hard to detect. Wealth management clients are often affected by the most devastating and nefarious types of scams—scams that are long-running and result in the perpetual draining of investment accounts linked to retirement, inh...

As financial institutions and card issuers increasingly embrace sustainable practices with their card programs, they’re also finding a way to engage their customers with innovative, recyclable materials for the physical cards and compelling opti...

Subscriptions are flourishing, in line with rising generations of consumers who value accessibility to services over the ownership of things. With those subscriptions come recurring payments, which are popular with merchants and consumers alike....

Looking at the usage of prepaid card products across generations reveals some interesting insights card companies can use in targeting their messaging. Consumers in the younger generations—Generation Z (born in 1997 and later) and Millennials (b...