Javelin Strategy & Research

There have been many highly publicized efforts to introduce biometric authentication into the merchant space, such as Amazon’s palm payment technology. While widespread adoption of biometrics in retail has yet to occur, intriguing use cases continue to emerge. Christopher Miller, PhD, Lead Emerging Payments Analyst, and Don Apgar, Director of Merchant Payments at Javelin Strategy & Research, discuss the scenarios where biometric verification has proven effective for merchants, the challenges hindering widespread adoption, and the future of identity verification technology. Read more: https://ow.ly/UVIB50V5oWN #payments #biometrcis #merchants #chargebacks #fraud

What’s next for Small Business in 2025? Join us this Thursday as we explore the latest trends and predictions shaping the future of small businesses. Mark Schwanhausser and Ian Benton will share key insights to help you stay ahead. Don’t miss this conversation—register now: https://lnkd.in/e8Ry3VWw #SmallBusiness #DigitalBanking

As digital payments evolve, businesses seek efficiency, cost savings, and security. Pay-by-bank, integrated with open banking and real-time payments, enables direct transfers without card networks, offering a promising but challenging alternative to credit and debit cards. Read the report: https://lnkd.in/eq8kDNSV #Merchant #Payments

AI isn’t arriving as fast as predicted, but it is coming. Building the necessary infrastructure presents key business opportunities, and incumbents can leverage their strengths as AI evolves. While it may not be unfolding as expected, now is the time to act. Read the report: https://lnkd.in/ei-8_NNg #GenerativeAI #EmergingPayments

The push for real-time payments is gaining momentum in the United States, but the share that’s shifting to such payments remains minimal. By taking cues from the success of real-time payments in other global markets and creating expanded business use cases, the providers of real-time payments have a shot at boosting the U.S. uptake. Read the report: https://lnkd.in/ewA6Vgbk #RTP #RealTimePayments

Although most consumers carry some form of debt, Javelin’s examination of digital banking at large U.S. banks shows that traditional financial institutions generally do not treat debt management as an opportunity to engage customers and build trust through digital advice.?In contrast, fintechs such as Budge, Ditch, and Payitoff provide one-stop oversight of debt, coach borrowers how to distinguish between “good” and “bad” debt, prioritize payments to save borrowing costs and dig out of debt, and simplify the process of comparing loans. Read the report: https://lnkd.in/e2yNb3qv #DigitalLending

Financial institutions, battling increasingly sophisticated scams, often prioritize regulatory compliance, consumer-facing features, and competitive innovation over scam prevention. However, reallocating budgets to improve scam tracking and categorization can strengthen customer trust and reduce long-term costs. Read the report: https://lnkd.in/e66pdf3q #FraudManagement

Consumers are rapidly reinventing how they live, work, and manage money—but there are worrisome signs that digital banking is failing to keep pace. Javelin’s new Data Snapshot series spotlights five financial behaviors, attitudes, and lifestyles that will challenge retail and small business digital banking strategists. Explore the research: https://lnkd.in/dzjYq9GJ #DigitalBanking #SmallBusiness #MobileBanking #OnlineBanking

Machine learning is transforming fraud detection, helping financial institutions analyze massive transaction datasets in near real-time. But is AI enough to stop authorized push payment fraud before losses occur? Javelin’s Jennifer Pitt dives into the critical role of real-time monitoring, generative adversarial networks, and AI adaptability in a conversation with Information Security Media Group (ISMG). Check out the full discussion here:?https://lnkd.in/ea4Cmbsq #FraudPrevention #MachineLearning #AI #Cybersecurity

Digital wallets have come a long way—but what about digital IDs and biometrics? At the Identity & Payments Summit, Javelin’s Christopher Miller, PhD tackled this key question, highlighting the availability challenge that still lingers. His insights on mDLs, biometrics, and interoperability show why the future of identity and payments depends on more than just technology—it’s about where and how digital credentials can actually be used. Read more in Biometric Update: https://lnkd.in/eATSMYNe #DigitalIdentity #Payments #Biometrics