Research

In the year ahead, financial services will face several trending challenges as they try to keep organizations and customers safe. Zero trust will come to the forefront of supply chain risk mitigation. Infostealers are making digital security imp...

For decades, the checking account has served as the foundation on which all consumer and business payments have rested. But that stability is now beginning to give way to the seemingly relentless march of open banking, with new rails, new risks,...

A shift in regulation has helped move digital assets from the edges of the mainstream financial world to a place in the spotlight. Now, the deep work begins: not only rethinking the existing systems of value movement but also building solutions ...

This will be a year in which the industry’s attempts to add investing capabilities, boost digital sales, and simplify money movement will expose deep digital weaknesses and challenges. The well-intentioned efforts will underscore the need for di...

The expectation of interest rate cuts in 2026 will trigger a historic game of catch-up for tradition-bound lenders that have failed to keep pace with savvy FIs and “refi-ready” fintechs that have honed AI-powered advice-driven chatbots and inves...

In emerging payments, hype comes first, often well in advance of the actual broad use of the payment tools and technologies. In 2026, after a year of press releases heralding the transformation to be brought about by ]agentic AI, look for consum...

Criminals are increasing pressure on consumers through a variety of methods. In 2026 and beyond, phantom hacker scams, AI agents, and money mules all pose growing threats to the livelihoods of consumers. Much of this threat is driven by technolo...

As payment technology advances and offers greater options and flexibility for consumers, merchants are put in the position of prioritizing how to manage payment acceptance, what platforms to engage with, and how to continue chasing higher revenu...

Prepaid card programs motor along while innovation bubbles beneath the service. In the coming year and beyond, Javelin sees three major themes playing out in the space. First, the idea that digital options are going to eliminate physical cards n...

Small businesses have always straddled two worlds. They expect the simplicity of consumer banking but often need the personalization and sophistication of corporate solutions. A turning point is coming in 2026 as FIs seek to deliver that balance...