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Premium Credit Cards in 2022

  • Javelin Report
  • Date: November 10, 2022
  • Author(s): Ben Danner
  • Research Topic(s): Credit
Premium credit card products have existed since the 1980s and are targeted toward the mass affluent population. This customer segment differs from the general-purpose credit card market, with above-average credit scores and household incomes of ...

Generation Z: Why Now is the Ideal Time to Pursue a Slippery, Fragmented Age Group 

Generation Z is defying any established tools and strategies financial institutions have for consumer acquisition and retention. The oldest of Gen Zers are turning 25 this year, while the youngest remain in middle school. They’re coming into a w...

Direct Deposit Innovators Target the Power of the Paycheck

Innovative newcomers and an evolving consumer finance culture are turning the traditional outlook on direct deposit on its head. Where once it was a staple in measuring customer loyalty, the rise of open banking and the fragmentation of consumer...

The SEC Marketing Rule: Optimizing Digital Marketing With Compliance Tech

The SEC’s new marketing rule is effective November 4th, 2022, and provides a framework for advisors to follow regarding their performance advertising, use of testimonials and endorsements, and solicitation activities. Learn how the SEC’s new mar...

Cyber Lessons for Digital Bankers

Financial institutions rank among the most-trusted entities with consumers, a level of esteem that puts them in a distinctly advantageous position to impart cybersecurity education that is useful to their customers and members. Digital banking t...

The Ideal Criminal Target: No One is Immune

The 2022 identity fraud study by Javelin Strategy & Research, titled The Virtual Battleground, made it clear that cybercriminals are casting wide nets to ensnare victims. Their increasingly sophisticated schemes target potential victims of all a...

Employee Prepaid Cards Will Be a $27 Billion Market By 2025

  • Javelin Report
  • Date: October 14, 2022
  • Author(s): Ben Danner
  • Research Topic(s): Prepaid
Prepaid cards have a wide range of applications in the workplace: employee appreciation, service recognition, holidays, birthdays, safety, wellness, and referrals. These use cases created a market for B2B employee reward programs. The market bec...

Data Detective: Advancements in Contextual Intelligence

The idea of firing a rule based on a keyword is useless when compared with technology like artificial intelligence—especially when multiple factors can be considered to make more reliable decisions. Is the analytics industry capable of deliverin...

Prepaid Cards Provide Benefit for Budgeting During Economic Turbulence

The impacts of inflationary pressure on consumers in the United States create an environment of required controlled spending following an extended period of economic growth. The new paradigm, including drastically increased cost for staple items...

Credit Card Disclosures: The Devil Is in the Details

  • Javelin Report
  • Date: September 28, 2022
  • Author(s): Brian Riley
  • Research Topic(s): Credit
This report discusses the current  environment, explains the logic behind the CFPB strategy, and presents a plan for credit card issuers to prepare for actions that the CFPB might require.
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