Research

Open-loop prepaid programs show resilience and positive growth opportunities across nearly all market verticals. Javelin Strategy & Research continues its annual assessment of open-loop prepaid programs across a range of categories and identifie...

As digital assets gain a stronger foothold in mainstream financial services, use cases are expanding. The tokenization of such things as real estate deeds, vehicle titles, reinsurance, and artwork—now happening in pilot projects—is providing a m...

Agentic commerce is simultaneously everywhere and nowhere, but that’s changing fast. As the technology takes root, various stakeholders are establishing protocols and frameworks that will attempt to manage a fundamental shift in how products and...

The 2025 Commercial Payments Year in Review report distills the headline stories in commercial payments, from stablecoins moving into the mainstream and agentic AI entering network rails to real-time payment growth and the next wave of embedded ...

Enterprise merchants have increasingly adopted payment orchestration strategies to drive new payment types, increase payment success rates, and optimize platform performance. However, each new PSP, network connection, and fraud tool adds complex...

An emerging fintech payment card is a variation of the long-established secured credit card, with a significant twist. Instead of requiring a credit-challenged consumer with a weak or thin credit file to place secured funds in escrow to back the...

Cybercriminals use SMS/text blasters in smishing attacks, sending a wide range of fraudulent messages. By mimicking legitimate cell towers, SMS/text blasters bypass carrier-level protections and deliver messages that appear authentic. Organizati...

This Primary Data Snapshot—a Javelin Strategy & Research report focused on small business payment usage and behavior—shows which generative AI tools are most popular among small businesses and how they are leveraging AI for business needs. Most ...

Social media began with the notion of building community and relationships, but it has also become a significant outlet for e-commerce. This type of shopping is led by Meta products—Facebook and Instagram—and the popular short-form video platfor...

Javelin Strategy & Research’s analysis of online public websites for five leading FIs—Ally, Bank of America, Chase, Chime, and U.S. Bank—indicates that shopping for a financial product is a do-it-yourself process even as the help-me-do-it era da...