Research

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...

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...

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...

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...

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 ...

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...

In the world of commercial card payments instruments, ePayables—a virtual type of card payment—is the fastest growing segment, bringing operational efficiency for buyers and their suppliers and offering flexibility and the potential for better c...

Banks and credit unions provide a digital shopping experience that can lead customers to pick an ill-suited credit card and put an FI at risk of costly “silent churn.” In contrast, NerdWallet, CardWiz, Smart Asset, and other card advisory fintec...

Identity-proofing, a fundamental need of financial services companies, is a space in considerable flux. Fintech companies that cut their teeth as e-commerce payments platforms are entering the competition and making inroads with innovative solut...

IoT devices allow more convenient customer and business interactions, but the privacy and security costs can be too high, especially for financial institutions and small businesses, without diligence. IoT devices that store personal and financia...