Research

Subscriptions are flourishing, in line with rising generations of consumers who value accessibility to services over the ownership of things. With those subscriptions come recurring payments, which are popular with merchants and consumers alike....

Looking at the usage of prepaid card products across generations reveals some interesting insights card companies can use in targeting their messaging. Consumers in the younger generations—Generation Z (born in 1997 and later) and Millennials (b...

Generative AI is poised to revolutionize the way small businesses interact with their banks. But are financial institutions ready to seize the opportunity? Fintechs like Intuit, Block, and PayPal forge ahead with AI-powered tools designed to str...

Deepfakes fueled by AI are fast approaching being able to reliably circumvent voice biometrics authentication and facial recognition algorithms. When deepfakes cross this threshold, FIs will be plagued with new-account fraud and account takeover...

The largest retailers are trying to get consumers to bypass the more popular digital wallets and make payments directly through mobile apps. Consumer preferences, regulatory agencies, emerging technologies, payment incumbents, and merchant inter...

Javelin Strategy & Research’s assessment of vendors in the identity protection services (IDPS) market revealed clear pacesetters overall, led by Best in Class winner Equifax, and across a range of categories that underscored the efficacy of thos...

Pressure is mounting for tech vendors that cater to registered investment advisors to grow market share while the pool of financial advisors remains relatively static. In tandem, the barriers to managing client wealth and segment complexity are ...

Tokenization—the creation of unique digital records of asset ownership—is poised to make a lasting impact on how participants in financial markets operate, affecting financial institutions, investors, and regulators. The technology has the poten...

Pay-by-bank solutions go by a lot of names—bank transfer, bank-to-bank transfer, direct account payment, direct debit, and more—but one thing is clear: When they are ubiquitous, interoperable, and instant, as is the case in places like Brazil, I...

In 2023, mobile deposit became the most frequent way consumers chose to deposit a check. It is by far the preferred deposit method, and it is a winner among younger consumers. Nonetheless, Javelin’s examination of mobile deposits at 20 of the la...