Research

Hyperliquid didn’t win market share by focusing on decentralization. Rather, it won by rebuilding market structure from a decentralized standpoint. This report explains how a centralized exchange experience, an on-chain centralized limit order b...

The commercial prepaid market continues to provide overall growth, with concern continuing in government verticals. Providers would be well-positioned to focus on business-to-business relationships for growth while maintaining government relatio...

Millennial and Generation Z business owners stand distinct from their older peers not just on the basis of age. Millennials and Gen Z grew up in a world where banking is digital-first, payments are electronic and always on, self-service is the d...

North Korean attackers’ latest efforts to target foreign policy experts through a technique known as quishing expose long-standing bring-your-own-device vulnerabilities that U.S. organizations have failed to address. Socially engineered attacks ...

Crypto gateways are no longer “pay with crypto” at checkout. They’re becoming digital money routers that connect wallets, stablecoins, and fiat inside existing payment flows. This report breaks down direct and indirect gateway models, details wh...

Developer portals at banks serve the dual purpose of democratizing access to its financial products and attracting top tech talent, ensuring FIs remain top of wallet and on the bleeding edge of innovation. This Javelin Strategy & Research report...

The development of open agentic commerce protocols—notably the Universal Commerce Protocol (UCP) and Agent Commerce Protocol (ACP)—represent an expected and necessary alternative to the early, essentially proprietary solutions. The flurry of 202...

Financial institutions, with digital banking experiences built largely for individuals, are missing the financial reality of most Americans. Consumers’ finances don’t exist in a vacuum; they are shared, split, merged, managed, and combined with ...

Payment fraud is becoming harder to detect as transactions move faster and fraud tactics evolve. Fraud teams are being pushed to make quick decisions with limited context, leading to detection failures. This report examines how AI can help fraud...

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...