Javelin Strategy & Research

Despite the buzz surrounding both the promise and risks of artificial intelligence, its impact is likely to remain limited over the next few years. While companies rush to develop uses for AI, they are less enthusiastic about the costs associated with biometrics—even though the technology is much closer to delivering more immediate benefits to payment processors. Christopher Miller, PhD, Lead Analyst of Emerging Payments at Javelin Strategy & Research, explores why these trends have such different reputations in the 2025 Emerging Payment Trends report, noting another trend that’s making waves in the world of payments: targeted advertising. Read more: https://ow.ly/xtpH50UtoMa #payments #AI #biometrics #emrgingpayments #artificialintelligence

Meet Craig Lancaster, Analyst and Content Specialist on Javelin’s Payments team. He also supports all areas of the business with his copyediting expertise. 💼Career Journey Craig’s first career, as a journalist, was as a writer and an editor, so he’s well-versed in those disciplines, and those skills are widely applicable to research, analysis, and the building of publications. His deep curiosity also helps, and lifelong learning is a passion. He officially joined Javelin in January 2023, following a long professional relationship with Mark Schwanhausser, Director of Digital Banking. He initially worked with Javelin as an external copyeditor, building strong connections with the team’s analysts, which naturally led to his official role. ✍️Outside of Work Craig is a published author with 10 novels and a collection of short stories that have earned awards, foreign translations, and even supported a full-time living for a period. He is also a playwright, with his latest play, The Garish Sun, recently completing a three-weekend, nine-performance run with Yellowstone Repertory Theatre, a professional troupe in his home state of Montana. For more about this side of his professional life, visit: https://lnkd.in/eJVGdTwX. 💬Any advice for industry newbies? “Read widely, and be attentive to coworkers who know more than you do. Their wisdom can become yours if you’re willing to receive it. And say yes to opportunities that might make you uncomfortable initially. The journey through that lack of comfort is where the growth happens. I’ve learned not to take the path of least resistance.” 🔎Research Highlight Craig recently wrote 𝑆𝑡𝑎𝑏𝑙𝑒𝑐𝑜𝑖𝑛𝑠 𝑎𝑛𝑑 𝑡ℎ𝑒 𝑃𝑎𝑡ℎ 𝑡𝑜 𝐼𝑛𝑛𝑜𝑣𝑎𝑡𝑖𝑣𝑒 𝑀𝑜𝑛𝑒𝑦 𝑀𝑜𝑣𝑒𝑚𝑒𝑛𝑡 for Javelin's Digital Assets & Cryptocurrency practice. Not only is this report a valuable resource, but it also reflects the importance of stepping outside one’s comfort zone. Craig shared that if anyone had told him, during his time as a newspaper journalist, pipeline inspection specialist, or full-time novelist, that he’d one day research and write about digital money, he would have laughed in disbelief. But as it turns out, the joke is on him—in the most delightful and affirming way. Read the report: https://lnkd.in/eUTQ6UDt Be sure to follow Javelin Strategy & Research to meet another of our dedicated, industry experts next month.

From everyone at Escalent, we wish you a peaceful holiday season, and we toast to a healthy, prosperous 2025. #HolidaySeason #Christmas #NewYear

What's in store for the Fraud & Security industry next year? Javelin's 2025 Trends & Predictions are now available for: • Fraud Management • Cybersecurity View all Trends Reports: https://lnkd.in/erTP3n5q

Wealth management professionals can now implement practical strategies for scaling high-touch services, leverage emerging technologies, and develop tiered service models that extend family office capabilities to a rapidly growing high-net-worth segment. This evolution represents an opportunity and an imperative for the industry to adapt its service delivery while maintaining the sophistication that defines the family office model. Learn more: https://lnkd.in/eNqJ23XM

A great discussion with Marchelle Becher on the power of prepaid cards when people are in need. Happy to exchange expertise from B4B Payments - A Banking Circle Group Company and insights from my Javelin Strategy & Research practice.

Despite a booming $800 billion small-business credit card market, many banks are missing the chance to expand their offerings and deepen client relationships. Javelin's Brian Riley puts it simply: "Banks shouldn't strive for just one account. They want 10 accounts." What does this mean? Beyond business credit cards, banks need to offer a suite of services — from payroll and ACH to seamless transfers — to deepen relationships and maximize profitability with small business clients. Can smaller banks adapt to capture a share of this growing sector? Read more: https://lnkd.in/e_3MhrvW

Our Digital Wealth team has released its Trends and Predictions for 2025! As advisor and investor behaviors evolve, three key forces are shaping the future of the industry: 1️⃣ AI Integration 2️⃣ Self-Directed Trading 3️⃣ Gen Z Investors Dive into the full insights with our Javelin Trends Reports: https://lnkd.in/erTP3n5q

This report, sponsored by AARP, explores the immediate and long-term risks of scams and identity fraud for consumers while establishing a case for providing more compassionate fraud resolution and eliminating the victim stigma. Learn more: https://lnkd.in/eXTA_hyK #FraudManagement

Open-loop #prepaid programs continue to show consistent and strong growth opportunities across most market verticals. This Javelin Strategy & Research report, the 21st annual assessment of the open-loop ecosystem, identifies a new period of significant, progressive growth for most programs that is expected through 2028. Learn more: https://lnkd.in/e6Xpfbxm