CDs Have a Role to Play in Personal Finance but Lack Digital Support and Engagement

CDs Have a Role to Play in Personal Finance but Lack Digital Support and Engagement

Certificates of deposit aren’t obsolete; they’re underleveraged. Although a quarter of banked consumers hold CDs, most banks treat them as static products with minimal digital support. That gap represents a major opportunity for digital banking ...
Every Merchant Needs a Chief Payments Officer

Every Merchant Needs a Chief Payments Officer

  • Javelin Report
  • Date: June 15, 2026
  • Author(s): Don Apgar
  • Research Topic(s): Merchant
Payments are no longer just a cost center for merchants; they’re a strategic lever for growth. As responsibilities fragment across finance, IT, and operations, hidden costs and missed revenue opportunities multiply. This report reveals why tradi...
Small Business Payment Services and POS Platforms

Small Business Payment Services and POS Platforms

This report highlights how small businesses choose payment processors, value-added services, and point-of-sale platforms. The findings point to a clear market direction: Integrated, cloud-based, and omnichannel payment ecosystems are gaining an ...
How Each Retail Category Influences Consumer Payment Preferences

How Each Retail Category Influences Consumer Payment Preferences

Consumers don’t rely on a single payment method across the many types of retailers they frequent. How they pay depends on where and how they shop. This report highlights how credit cards dominate in many areas, while debit plays a strong role in...
How SoFiUSD Is Pointing Toward the Broader Stablecoin Future

How SoFiUSD Is Pointing Toward the Broader Stablecoin Future

SoFiUSD is not just another branded stablecoin competing for consumer attention. Its launch shows how stablecoins may enter banking through settlement, issuer processing, embedded finance, and vendor infrastructure before customers ever ask to h...
2026 Direct-to-Consumer Identity Protection Services Vendor Scorecard

2026 Direct-to-Consumer Identity Protection Services Vendor Scorecard

Gen Digital, provider of Norton 360 with LifeLock Ultimate Plus, took Best in Class in overall identity theft protection sold directly to consumers, followed by Equifax, provider of ID Watchdog Premium Family, and Allstate Identity Protection, p...
2026 Direct-to-Consumer Identity Protection Services Overview: Gains, Gaps, and Opportunities for Industry Growth

2026 Direct-to-Consumer Identity Protection Services Overview: Gains, Gaps, and Opportunities for Industry Growth

Javelin Strategy & Research’s biennial assessment of direct-to-consumer identity theft protection services (IDPS) vendors finds that they are expanding their services. They are offering new provisions for protections and resolution related to so...
Consumer Bill Payment Preferences Trend Toward Instant Payments

Consumer Bill Payment Preferences Trend Toward Instant Payments

The bill-paying experience is no longer viewed as a simple utility function. Instead, it is becoming a competitive payments battleground as consumers seek immediacy, transparency, and options with their biller.
Zelle for Business and the Race to Own Real-Time Payments

Zelle for Business and the Race to Own Real-Time Payments

Nearly one-third of U.S. small businesses use Zelle in some capacity, yet many still do not view it as a true business payments platform on par with PayPal or Square. This report examines how businesses use Zelle today, where it fits within the ...
Digital IDs and Mobile Driver’s Licenses: Acceptance Remains the Key Constraint

Digital IDs and Mobile Driver’s Licenses: Acceptance Remains the Key Constraint

Issuance of mobile driver’s licenses and digital IDs is rising and awareness is building, yet adoption is stalling where it matters most: real-world use. The next wave of value will come from convergence across wallets, biometrics, and acceptanc...