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


Commercial Instant Payments: Global Update Part 1

The adoption of instant payments in the global business-to-business (B2B) market is poised to surge, driven by advancements in technology that have enabled financial institutions to create efficient, secure real-time payment systems and a growin...

Coexisting in Payments: How Middleware Forges Alliances Among Smaller FIs, Core Providers, and Fintechs

Small and medium-sized banks, short on the resources to rebuild their infrastructure and long frustrated by the slow pace of innovation by some core banking service providers, are benefitting from a shift in tactics. Those providers are increasi...

Latin American Payments: The Emerging View From South of the Border

Latin America—as a region and as ground being seeded for the future of payments—is vast, diverse, and resistant to attempts to bring it into homogeneity. The region encompasses around two dozen countries with their own currencies, monetary polic...

Incentivizing Consumers Toward Debit Payments with Rewards

Digital banks and some major issuers are incentivizing customers with debit rewards and other perks. The rewards, most commonly cashback, have proven popular with consumers and increased debit card spending. Retails and merchants are also reward...

Roles of Digital Assets Within Investment Strategies

As various cohorts of investors look for ways to outperform equities and inflation, an increasing number are turning toward products within the digital asset ecosystem. Participation in decentralized finance comes with a different set of protoco...

20th Annual U.S. Open-Loop Prepaid Card Market Forecast, 2023-2027

Open-loop prepaid programs continue to grow steadily after experiencing turbulence in the early part of the decade. This Javelin Strategy & Research report, the 20th annual assessment of the open-loop ecosystem, identifies a new period of signif...

Buy Now, Pay Later (BNPL): The Same, But Different

  • Impact Note
  • Date: December 8, 2023
  • Author(s): Ben Danner
  • Research Topic(s): Credit
The buy now, pay later (BNPL) phenomenon continues to be a major force in e-commerce payments. Now, BNPL providers are releasing physical card products to encourage in-store spending. This Javelin Strategy & Research note looks at developments i...

Holiday Takeaways for Merchant Services

  • Impact Note
  • Date: December 8, 2023
  • Author(s): Daniel Keyes
  • Research Topic(s): Merchant
With another impressive Cyber Week in the books for U.S. merchants, it’s time to look back at the results of that Thanksgiving-to-Cyber Monday stretch, absorb the lessons, and adjust strategies for the remainder of the holiday season and beyond....

The Merchant Side of BNPL

  • Javelin Report
  • Date: December 8, 2023
  • Author(s): Daniel Keyes
  • Research Topic(s): Merchant
Buy now, pay later (BNPL) payment options have built a niche at checkout, quickly gaining popularity by giving consumers a flexible way to pay and the instant gratification of immediately receiving their product. But the solutions have real pros...

Defining (and Finding) the Opportunities in Metaverse Payments

The metaverse of today isn’t like the metaverse of old science fiction. In fact, it’s not one thing at all, but many virtual worlds, each with its own opportunities for players in the payments space. While the metaverse is a future opportunity—p...

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