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


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 ...

Generative AI Comes to Life: Notes from the Field

Generative AI has been around for over a year now and has dominated discussions about how the emerging technology stands to transform payments. This Javelin Strategy & Research report takes a deep look into how companies in the payments space ar...

2024 Prepaid Card Data Book

The Prepaid Card Data Book ties together the most important metrics for the industry in brief, high-level metrics. This assessment of the prepaid card market by Javelin Strategy & Research covers summarized market estimates for the broad market,...

2024 Annual U.S. Debit Card Market Data Review

Changes are afoot in the debit card market as higher prices drive more consumers toward credit for everyday payments and users increasingly demand digital payment technologies. This Javelin Strategy & Research report takes a comprehensive look a...

AI Was the Talk of NRF 2024

  • Impact Note
  • Date: January 22, 2024
  • Author(s): Daniel Keyes
  • Research Topic(s): Merchant
Artificial intelligence and its potential to transform merchant operations has been a hot topic for some time. At the National Retail Federation’s annual conference in New York in mid-January, the focus sharpened, with industry leaders talking a...

Credit Card Data Book Part 1: Environmental Factors

  • Javelin Report
  • Date: January 19, 2024
  • Author(s): Ben Danner
  • Research Topic(s): Credit
This annual report by Javelin Strategy & Research—the first of two parts, this one looking at external factors and their impact on the credit card market—finds that the leading indicators point toward stability. Unemployment and bankruptcies are...

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