Research

Biometric authentication has substantial benefits that accrue to the quality of transactions, including reduced fraud involving payments made online. The technology that enables such authentication is mature, and widespread use of it in payments...

Traditional password-centered authentication is becoming less secure as cyberattacks increase in sophistication and consumers grow tired of strong password requirements. Financial institutions and other businesses need to move consumers toward m...

The robust credit card co-brand market represents more than 300 million U.S. cards. However, the relationship requires partnership and cooperation between all parties, and successful examples of this harmony have flourished. However, friction be...

As the United States implements a T+1 settlement cycle in securities transactions, the country is poised to achieve a significant milestone. Successful preparation for the cycle, which took effect on May 28, has engendered industry-wide collabor...

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...