Generation Z: Halfway to Adulthood and Ready to Borrow

Generation Z: Halfway to Adulthood and Ready to Borrow

Approximately half of Generation Z—those born since 1997—has graduated into adulthood, and that carries strong implications for financial institutions. Gen Zers are moving beyond foundational checking accounts into more complicated financial liv...
The State of the U.S. Credit Card Industry

The State of the U.S. Credit Card Industry

Overall, the U.S. credit card industry is on sound footing, although downstream economic issues could threaten to disrupt the norm, particularly at the lower end of the market, where charge-offs threaten bank profits and create marginal returns ...
Amplifying Investor Engagement Using Risk and Behavioral Insights

Amplifying Investor Engagement Using Risk and Behavioral Insights

Innovative psychological and behavioral techniques are revolutionizing the way digital investor risk assessment is conducted, evolving it from a mere checkbox routine into an empowering process that encompasses strategic financial planning and e...
Why Data Isn’t a Zero-Sum Game in Payments

Why Data Isn’t a Zero-Sum Game in Payments

The fragmentation of the U.S. financial markets has created open-banking standards that are quite different from those found in Europe. In the United States, companies that enable permissioned access to account-level data have emerged to fill th...
Consumer Debit Payment Options in a Faster Payments World

Consumer Debit Payment Options in a Faster Payments World

This Javelin Strategy & Research impact note looks at potential ways FedNow and the RTP network by The Clearing House can support new use cases for instant consumer debit payments. Real-time payments enable retailers to improve customer experien...
Tracking Emerging Payments Technologies: Adoption is Not Enough

Tracking Emerging Payments Technologies: Adoption is Not Enough

In 2023, for the first time, the North American PaymentsInsights (NAPI) Digital Transactions and Emerging Technologies Survey captures moment-in-time data about the metaverse, biometric authorization, privacy and security, and digital ID use. Th...
Are Small Businesses Ready for Instant Payments? It's Complicated.

Are Small Businesses Ready for Instant Payments? It's Complicated.

FedNow’s recent launch is a landmark development in the push toward a ubiquitous and affordable instant payments regime in the United States. For small businesses, instant payments promise to improve cash-flow management, enhance liquidity, redu...
2023 Prepaid Regulatory Update

2023 Prepaid Regulatory Update

This report covers Javelin research and expectations on how economic and regulatory issues are affecting the prepaid card market. The report covers direct and broad scale regulatory changes occurring in 2023 with a particular lens into their eff...
Understanding Credit Card Rewards: A Successful Model Under Threat

Understanding Credit Card Rewards: A Successful Model Under Threat

  • Javelin Report
  • Date: August 16, 2023
  • Author(s): Ben Danner
  • Research Topic(s): Credit
Credit card rewards programs are expensive and intricate for issuers to maintain, but they are also enormously popular with cardholders and a significant driver of customer acquisition. This Javelin Strategy & Research looks at the current lands...
The Limits of Crypto and the Rise of Layer 2s

The Limits of Crypto and the Rise of Layer 2s

Truly decentralized blockchains attract participation that provides worldwide transparency and reinforces why they were developed in the first place. But blockchain networks also have a problem: As the number of network users increases, so do ne...