Research

Target Circle Card program is a standout loyalty program for offering credit and debit card products. However, the program is under pressure, and there are lessons to be learned. From a product-offering standpoint, Target Circle covers all its b...

The credit card market, which appeared to be a candidate for saturation in recent years, continues to grow amid a resilient economy. Purchase volume reached $1.28 trillion in 2025, and credit cards remain the most popular payment vehicles among ...

When it comes to cultivating the next generation of investors, most banks today land squarely in Stage 2 of Javelin Strategy & Research’s six-stage Bridge to Investing Maturity Path, which involves grounding customers in the fundamentals of pers...

Governments want big businesses to pay suppliers faster, and they are using legislation to influence payment timing, with varying degrees of success. This report categorizes the main policy approaches, explains why some designs succeed while oth...

The Prepaid Card Data Book creates a baseline to highlight key metrics for the prepaid industry in brief, consolidated updates. This evaluation of the prepaid and stored-value market by Javelin Strategy & Research covers market estimates for the...

Agentic commerce is forecasted to reach $500 billion in sales by 2030, but what’s driving that growth? Consumers will vote with their wallets on which product categories and sales channels will be winners and losers as this new technology gains ...

JPMorgan Chase’s deal with Goldman Sachs to take over stewardship of the Apple Card sends both banks in the direction of their greatest strengths. JPMorgan Chase knows how to run a credit card program and can guide the Apple line toward growth a...

Javelin’s diagnostic analysis of AI-powered consumer-facing chatbots for 11 fintechs, non-bank lenders, and retail banks found that retail FIs consistently fail to provide personalized information and recommendations to prospective borrowers. Th...

Invoicing is one of the most fundamental workflows in running a small business, sitting at the center of getting paid, managing cash flow, and maintaining customer relationships. Yet the landscape remains fragmented and inefficient. Most busines...

Javelin Strategy & Research’s data dives into consumer behavior show that consumers’ usage of and interest in lower-cost payment methods like account-to-account transactions and pay-by-bank remain a small piece of the overall payments picture, a...