Research

There is rampant concern that Gen X—those born from 1965 to 1980—will be the first U.S. demographic that doesn’t do as well financially as its parents, and that concern is well-grounded. It’s the first U.S. generation to confront, en masse, a pa...

Small-business deposits are in flux at traditional FIs, with a quarter of those businesses moving deposits to other institutions in the past year. Often, the move is to another bank or credit union, but increasingly nonbank fintech companies are...

In a four-year period, FIS has gone from purchasing merchant acquiring titan Worldpay for $43 billion to announcing plans to spin the company off to agreeing to sell a controlling stake in it at a greatly reduced valuation. This Javelin Strategy...

Regulation to harmonize standards of care across RIA and broker-dealer channels has accelerated the convergence of wealth management distribution channels. This convergence centers on advisor affiliation models and reflects client enthusiasm for...

Financial institutions are getting people into their apps, evidenced by the mobile channel’s status as the workhorse of banking. The problem is, customers aren’t staying for more than a “log in, log out” experience that typically is transactiona...

Unlike digital dollars, each stablecoin is unique when they are cryptographically minted and stored on a distributed ledger. Features such as programmability and near instantaneous settlement offer solutions to ecommerce, financial institutions,...

Maintaining business financial health is a challenge. Most entrepreneurs are not financial professionals, nor are they fluent in the language of banking, payments, and financial analysis. In a business environment that’s ever-changing and ridden...

Account-to-account (A2A) transfers can flow on ACH rails, which can take a few days to process, or on instant payment rails. A2A transfers can disburse funds immediately with a wide application of uses, from insurance payouts to cash-outs from a...

Apple has launched Savings, a component of its financial ecosystem that positions it to become a personal payment stack service provider. The ability it has to keep customers within the “walled garden” of its popular devices offers great potenti...

As U.S. consumers continue spending more on healthcare-related activities, using prepaid products becomes more valuable and impactful, creating opportunities for the entire ecosystem.