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

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...

Credit Card Lending Needs a Slowdown; Work with Cardholders to Shield Upcoming Risk

  • Impact Note
  • Date: February 22, 2024
  • Author(s): Brian Riley
  • Research Topic(s): Credit
Consumer debt is climbing, and for the wrong reason. Consumptive spending is evident on credit cards, and household budgets are under stress, diminishing the ability of consumers to repay. Though inflation shows signs of waning, many consumers r...

Capital One and Discover: The Potential to Build a Global Payments Ecosystem with Scale

  • Impact Note
  • Date: February 21, 2024
  • Author(s): Brian Riley
  • Research Topic(s): Credit
The Capital One acquisition of Discover, if it gains regulatory approval, will create a global force in payments for acceptance, issuance, and processing. To clear the regulatory hurdle, the potential new organization must prepare a case that ex...

Driving Consumer Payment Performance

Join Javelin’s Brian Riley, Elisa Tavilla, and Sophia Gonzalez as they walk us through essential metrics driving consumer payment performance.

2024 State of the Industry: Commercial Prepaid Cards

The commercial prepaid market should see moderate growth in coming years, with an increased opportunity for non-governmental products such as employee and health incentives in open-loop and closed-loop networks. This Javelin Strategy & Research ...

Retailer Debit Cards: Why Doesn’t Everyone Do It?

  • Javelin Report
  • Date: February 14, 2024
  • Author(s): Elisa Tavilla
  • Research Topic(s): Debit
Consumers are on a quest for value and convenient ways to pay. Retailers and merchants want to boost sales and cut costs. These interests can get together through retailer debit cards that leverage consumer bank accounts via store-branded apps a...

Understanding Commercial Card ePayables: An Abridged Guide for Commercial Buyers

In the world of commercial card payments instruments, ePayables—a virtual type of card payment—is the fastest growing segment, bringing operational efficiency for buyers and their suppliers and offering flexibility and the potential for better c...

Bitcoin ETFs: Bringing the Investment Discussion Back

The Security and Exchange Commission’s approval of several exchange-traded funds tied to bitcoin led to a sigh of relief in the cryptocurrency industry. Indeed, the move—which came after the regulatory agency lost in court—is being seen as a vic...

Credit Card Data Book Part 2: Internal Dynamics

  • Javelin Report
  • Date: January 26, 2024
  • Author(s): Ben Danner
  • Research Topic(s): Credit
Part 2 of the annual Javelin Strategy & Research examination of the U.S. credit cards looks at how internal dynamics, such as issuer portfolios and ongoing risk assessment, affect the market. The upshot: As economic stressors rise and loan loss ...

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