Javelin Strategy & Research

Closed-loop prepaid programs continue enjoying strong growth across the breadth of the industry. In this annual report, Javelin Strategy & Research takes a look at the market for closed-loop prepaid programs across a range of categories and identifies specific sectors with strong growth potential. New market additions, especially legalized gambling and gaming, also make a major impact on estimated load values and growth acceleration. The opportunity to invest in growth areas and the stability brought on after the emergence from the pandemic era highlight the overall strength of the closed-loop marketplace. Login to access the report: https://lnkd.in/eM_wBtvx

We’re thrilled to be in Las Vegas for Money20/20 USA! Our fantastic team—Jacob Jegher, James Wester, Justin Hamel, and Tracy K.—are eager to connect, share insights, and explore new opportunities. #Money2020 #FinTech #FinancialServices

Out now – the inaugural 2024 Commercial ePayables Scorecard, evaluating and ranking 10 leading third-party ePayables platforms across the categories of supplier enablement, cross-border transactions, infrastructure and architecture, and ledger and back-office integration. Through our broad-based and robust evaluation, Javelin uncovers the leading providers of commercial ePayables services, pinpoints how leaders in the space differentiate themselves, and outlines the key components of a robust ePayables offering. Login to access the scorecard: https://lnkd.in/eZZ-dkFY

OS-based mobile wallets, especially Apple's, currently dominate the market. However, emerging challengers are introducing alternative payment methods, such as account-to-account transactions and in-app payments, which appeal to merchants looking to avoid interchange fees associated with traditional card funding. As mobile wallet providers defend their market share, expect to see new features and strategic partnerships aimed at strengthening their competitive edge. Login to access the full report: https://lnkd.in/egAH7Cmu

Javelin Strategy & Research has released its inaugural 2024 Commercial ePayables Scorecard, which evaluates and ranks 10 leading third-party ePayables platforms on criteria across four categories: supplier enablement, cross-border transactions, infrastructure and architecture, and ledger and back-office integration. 🏆 Congratulations to Bottomline for earning the Best in Class designation! Their comprehensive ePayables offering excelled across all evaluation criteria and set the benchmark in the Supplier Enablement category, showcasing exceptional vendor onboarding and supplier engagement capabilities. 🌟 Overall Leaders include Boost Payment Solutions and Volante Technologies both demonstrating strong performance across all categories. Javelin finds that one of the most significant benefits of commercial ePayables is the automation and streamlining of the entire accounts payable process. For a deeper dive into the findings and insights, check out the full press release here: https://lnkd.in/digHBt7P #ePayables #Fintech #BusinessSolutions #AccountsPayable

Research reveals that cyberbullying and extortion often go hand in hand. The Kids Online Safety Act (KOSA) is a promising first step in tackling this growing threat. Check out Tracy K.'s insights in the October edition of Cyber Defense Magazine to learn how we can better protect our youth online. #cybersecurity #fraud

Walmart’s announcement that it will offer shoppers the option to check out with instant pay-by-bank payments beginning in 2025 is a major development for real-time payments, pay-by-bank, and the retail industry in the United States. As the world’s largest retailer, Walmart could make a critical impact on how consumers pay, given Walmart’s scale, customer base, and transaction volume. Most consumers are not familiar with pay-by-bank or instant payments, but Walmart is helping build awareness and adoption. Access the full report: https://lnkd.in/eGPEk6-r

Meet Greg O'Gara, Lead Analyst on Javelin’s Digital Wealth team! 💼Career Journey Greg’s career in financial services stems from his unique blend of technology and communication skills. His undergraduate studies in computer science and operations research gave him a strong foundation for finance and consulting. During his three years in the Chairman’s Office at UBS NA (formerly PaineWebber), he developed the ability to combine technical expertise with clear explanations of complex financial concepts, preparing him for roles that require both. 🎲Research Spotlight His recent report, "The Investor's Gamble: Spending, Debt, and Short-term Thrills," explores the growing connection between online gambling and gaming to increased self-directed trading and risk-taking behaviors among younger investors. The report highlights how social media and short-term trading encourage risk-taking behaviors and addresses the challenges for financial advisors, offering strategies to bridge the gap between long-term planning and a short-term investor mindset. Digital Wealth subscribers can access the full report here: https://lnkd.in/eWdBERzE 🏈Beyond Finance People might be surprised to learn that Greg ventured into sports safety by filing a patent for a football helmet design. The helmet uses a magnetic repulsion system to reduce head injuries, including concussions. This unexpected project was a fun way for Greg to apply his technology, writing, and problem-solving skills outside of finance. 🎵Outside of Work Greg is passionate about music and writing. He’s played piano since third grade, composing pieces inspired by movie soundtracks, rock, and pop. A memorable moment was buying his first electric piano from jazz artist and Juilliard graduate, Walter Bishop Jr. Greg has had two essays featured in the Hektoen Journal of Medical Humanities. For exercise, he enjoys working on his farmhouse in the Maryland countryside, where he runs an Airbnb. 💬Any advice for industry newbies? "My advice is simple: stay open-minded, embrace change, work hard, and build strong relationships. Listening is a lost art—so truly hear what others have to say. And never burn bridges. Your reputation and connections will shape your career." Be sure to follow Javelin Strategy & Research to meet another of our dedicated, industry experts next month.

Javelin's Tracy K. delivered a keynote at the TransUnion 2024 Identity and Fraud Summit in Chicago last week. This exclusive event brought together senior leaders to address the growing challenges in identity risk and fraud prevention. Tracy’s keynote, “The Shattered Identity Crisis,” focused on how financial institutions can address identity verification gaps by relying more heavily on anonymized data signals, analytics, and biometrics to authenticate consumers, at account opening and throughout the account lifecycle. Her insights emphasized how businesses can better protect consumers and foster trust in the digital age. #FraudPrevention #IdentityRisk #Fintech

Instant payments are proliferating, and business bankers are searching for a set of “killer use cases” to drive widespread adoption. Many businesses are experimenting with instant payments, yet awareness among the broader market remains low and misperceptions abound. The report examines the design, product, marketing, and educational challenges ahead as FIs roll out instant payments. And it draws on hundreds of responses from businesses to identify key early behaviors and determine the most valuable use cases as the market evolves. Download the full report: https://lnkd.in/e48R9t_u