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


Revenue Dynamics of Debit Cards Since Dodd-Frank

Amid the ever-shifting payments landscape, debit also stands to be transformed by changing regulations and shifting consumer habits. New routing regulations could have an impact on cost and revenue, given the flourishing world of e-commerce and ...

SNAP Prepaid Cards: Operating on a Restricted Network

The Supplemental Nutrition Assistance Program—SNAP—isn’t administered like other government benefits programs, which distribute monies to eligible individuals through bank accounts and branded cards. SNAP, previously called food stamps, runs on ...

Digital Fiat: The Future of CBDCs

The deployment of central bank digital currencies (CBDCs) on a global scale is no longer a question of “if” but of “when.” As countries representing the vast preponderance of global gross domestic product continue to explore CBDCs to varying deg...

Late Fees: A Regulatory Hot Button, Not a Junk Fee

  • Impact Note
  • Date: October 17, 2023
  • Author(s): Brian Riley
  • Research Topic(s): Credit
The Biden administration has announced an effort to rid consumers of so-called “junk fees,” and in the context of credit cards, attention is focused on late fees assessed on delinquent accounts. But such fees are not “junk.” They are transparent...

What the Expansion of International Instant Payment Rails Could Mean

India has global ambitions for the Unified Payments Interface (UPI), its wildly popular and admired instant payments system. The way it has positioned the system—and similar moves elsewhere, such as Brazil (with Pix)—serves as a model for countr...

The Merchant Side of BNPL

  • Advisory Webinar: Client Login Required, On Demand Webinar
  • Date: October 15, 2023
  • Author(s): Daniel Keyes, Christopher Miller
  • Research Topic(s): Merchant
Join Javelin’s Daniel Keyes and Christopher Miller as they discuss what the rise of Buy Now, Pay Later (BNPL) solutions means for merchants, and how merchant services providers can help their clients navigate this modernized version of layaway.

Tracking Emerging Payments Technologies: Adoption is Not Enough

  • Advisory Webinar: Client Login Required
  • Date: October, 2023
  • Author(s): Christopher Miller, Daniel Keyes
  • Research Topic(s): Emerging
Join Javelin's Christopher Miller and Daniel Keyes as they discuss the North American PaymentInsights (NAPI) Digital Transactions and Emerging Technologies Survey. 

What We’ve Learned Four Years After the Acquirer Megadeal Spree

  • Javelin Report
  • Date: October 2, 2023
  • Author(s): Daniel Keyes
  • Research Topic(s): Merchant
We are four years clear of three megadeals in the merchant acquiring space—Fiserv’s addition of First Data, FIS’s acquisition of Worldpay, and the Global Payments-TSYS partnership—and now is the time to assess how the acquiring landscape has cha...

How Financial Institutions Can Plot Their Instant Payment Strategy

  • Javelin Report
  • Date: September 28, 2023
  • Author(s): Elisa Tavilla
  • Research Topic(s): Debit
With the recent launch of FedNow, as well as the continued presence of The Clearing House’s RTP network, instant payments are poised to transform money movement in the United States. This will require careful consideration and planning by financ...

Non-Fungible Tokens in Loyalty Programs: A Dress Rehearsal for Tokenized Payments?

Loyalty programs are a staple of companies’ attempts to connect with their customers, but only about half of them receive consumer engagement. A rising movement toward the use of non-fungible tokens—NFTs—as exclusive offerings and as a new payme...

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