What shapes consumer transactions and payment technologies, and where is it going?

Any conventional wisdom about payments—how they’re made, the currencies being used, the cards presently in favor—doesn’t last long before the next wave of technology, innovation, and regulation. Javelin’s analysts conduct research at the forefront of payments, identifying the emerging trends for financial services companies and payments providers and offering insight into how they can best position themselves not just for what is current but also for what is coming.

Payments Research

Reports

High-Yield Savings Accounts: An Efficient Way to Fund Credit Card Loans

  • Javelin Report
  • Date: March 27, 2024
  • Author(s): Brian Riley
  • Research Topic(s): Credit
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...

Identity as a Digital Asset: Tokenizing the Self

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...

Mitigating Risk in Prepaid Card Programs

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...

Surveying the Payments Consultants: The Services Overview

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...

A New Era of Chargeback Management

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...

Get Out Your Wallet: Gen Z Debit Payment Preferences 

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...

Fleet Cards 2024: Small Fleets Are an Opportunity

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...

Fintech Investment Trends: Waiting for the Next Wave

The widespread pullback from fintech investment in 2023 is gone as the payments space plunges deeper into 2024, but the priorities have shifted. New and emerging fintechs are focused on different business opportunities, while leveraging differen...

The Real Potential of Payment Orchestration

“Payment orchestration” is a term with a lot of hype and, as yet, a hard-to-pin-down definition. The space is still nascent, without a true leading provider and without wide adoption by merchants. This Javelin Strategy & Research report looks be...

FedNow and Technology Vendors: Setting the Foundation for Future Payments

This Javelin Strategy & Research report looks at the Federal Reserve's FedNow service, but from the perspective of choosing the right technology vendor. FedNow offers a foundation for what is to come in payments—real time, always on, and on dema...

Talk to our payments experts