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
DFAST in Credit Cards: No Stress Now; Next Year, Maybe
Credit cards represent the largest risk item in the recently completed banking stress tests mandated by the Dodd-Frank Wall Street Reform and Consumer Protection Act. Potential losses under the hypothetical economic event prescribed in the 2024 ...
2024 Prepaid Holiday Preview
With preparations for the 2024 holiday shopping season in full stride, Javelin Strategy & Research highlights opportunities for the gift card ecosystem to capitalize on a moderated economy and find success during this critical sales period. This...
Where Are the Digital IDs? Three Questions You Must Ask
Understanding the progression of digital ID and its impact on consumer adoption of digital wallets requires exploration of three questions: One, where are digital IDs available? Two, where are they accepted? Finally, are consumers interested? Ta...
Understanding Crypto Custodians: Proliferation Continues
As cryptocurrencies and other digital assets move increasingly into the mainstream of finance, custodians of those assets move to the fore. With digital assets, challenges are often rooted in regulation and the implementation of technology, maki...
A Modern-Day Primer on Commercial and Enterprise Payments
Commercial and enterprise payments comprise some of the most essential elements of any large enterprise. They affect critical areas such as liquidity, cash forecasting, and creditworthiness. When those transactions are conducted on a global scal...
Cloud Vendors and What They Bring to Payments
Providers of cloud services have made strong plays for financial institutions in recent years, and accordingly, banks have begun migrating data and applications to the cloud rather than hosting storage and operations on-premises. The result has ...
Cultivating Financial Savvy and Customer Loyalty: Debit Products for Kids and Teens
Debit products aimed at kids and teenagers are highly useful financial services: They allow parents to help their kids build strong financial habits and offer a pathway to deeper relationships between financial institutions and families. Several...
2024 Holiday Season Preview
Join Jordan Hirschfield and Sophia Gonzalez as they discuss the impact of prepaid cards on the upcoming 2024 holiday season, with a focus on macro-economic trends, consumer preferences, and a retrospective look at the 2023 season.
Reaching Consensus: The Consensus 2024 Conference
At long last, the everyday applications of decentralized finance, long championed but also mostly theoretical, are meeting reality as cryptocurrencies and digital assets come into their own. That sense of optimism about the industry was palpable...
Co-Branded Credit Cards 2024: Top Issuer Market Review
Co-branded credit cards, a significant segment of the U.S. consumer credit market, are poised for further growth. These products are not just popular but also essential, attracting consumers eager to enhance their relationships with partner merc...