Blogs

This week, NACHA announced the timeline of rule implementation proposed for Same Day ACH improvement.

Amidst a call from the FBI and multi-millionaire dollar fraud loss, retail banks were recently reminded that their fleets of automated cash machines are still under threat.

Short-term lending products bridge a financial gap for their users, but the rates that are charged (sometimes obscured as ‘fees’) can verge on predatory. Most consumers avoid these products, but active members of the military seem to embrace them....

Like every generation before Gen Z, what was new and cutting-edge to the previous generation only serves to form their baseline for what is possible. All generations may currently use the same technologies but the way they think about them is...

While the recently passed Economic Growth, Regulatory Relief, and Consumer Protection Act has the potential to make synthetic identities a very ineffective path to fraud, we are also about to find out if all of the money we’ve spent mitigating them...

Javelin's Payments practice team recently attended FinovateSpring 2018 to look for what is most relevant to our clients and the industry at large and identify some of the leading innovators in the retail payments space. We asked these three...

This week the Wall Street Journal reported that Amazon is in communication with JP Morgan Chase and other large banks on plans to offer pseudo-checking accounts to consumers. While this news is sending the media into a frenzy about whether Amazon is...

In preparation for some upcoming research here at Javelin, I had the pleasure of walking through a handful of IDV processes, with ample reminders as to why we as an industry desperately need to step up our game. The low point, by far, was when I was...

Roughly one out of every 10 Gmail users (roughly 120 million consumers) use text-message, two-factor authentication, said Google security engineer Grzegorz Milka. Milka was speaking last month at the Enigma Conference in Santa Ana, Calif.

The launch of Apple Pay in 2014 – later followed by Samsung Pay and Android Pay (now Google Pay) – was supposed to cement NFC as the go-forward technology for mobile wallets. This would happen as most merchants would enable NFC and customers would...