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Fleet Cards 2024: Small Fleets Are an Opportunity

Nothing stays the same for fuel card providers, or for the fleet operators that rely on them. Declining fuel costs in 2023 cut into fuel card companies’ revenues, sending them off in search of other growth opportunities. Some of those opportunit...

The Mobile Transaction Ledger: It’s Broke, So Just Fix It

The frequency with which consumers review transactions—second only to monitoring balances—makes checking account ledgers in mobile banking a crucial forum for turning fleeting glance-and-go interactions into deeper engagements. Unfortunately, Ja...

Fintech Investment Trends: Waiting for the Next Wave

The widespread pullback from fintech investment in 2023 is gone as the payments space plunges deeper into 2024, but the priorities have shifted. New and emerging fintechs are focused on different business opportunities, while leveraging differen...

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...

Customer Contact Centers: Heroes in Cybercrime Remediation, Fraud Prevention

Criminals increasingly use cyberattacks and scams to target consumers, and FI call centers are often relied upon for victim assistance. The key will be FI customer-oriented contact center specialists who are knowledgeable about cyber-risk and fr...

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...

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...
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