Emmett Higdon

Director, Digital Banking

Emmett helps banks, fintechs, and vendors define and leverage the evolving role that digital channels play in how consumers select, connect, and manage their financial accounts. He works with both institutions and vendors to transform the digital experiences they deliver to ensure that they meet customers’ growing expectations. His ongoing work provides actionable insight into consumers interest in and adoption of mobile banking, digital sales and onboarding, artificial intelligence and chatbots, open banking, and more. 

With more than 25 years’ experience in digital financial services, Emmett combines strategic industry perspective with annual consumer insights to help clients craft effective, actionable engagement and transformation strategies. 

Prior to joining Javelin, Emmett was a senior director of mobile strategy for TIAA, a senior analyst with Forrester Research, and a vice president of digital money movement with Citibank. 

He holds an MBA in marketing from Loyola University and a bachelor’s degree in The Writing Seminars from The Johns Hopkins University. 

He is based in Hilton Head Island, SC.

Latest Insights

November, 2026
Javelin Report
2027 Digital Banking Trends

Financial institutions enter 2027 confronted with a daunting competitive reality: Consumers increasingly turn to AI platforms for financial guidance before consulting their banks. ...

November, 2026
Javelin Report
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November, 2026
Javelin Report
2027 Digital Lending Trends

Digital lending is entering a new competitive era, and success will hinge less on who offers credit and more on who owns the customer relationship when (and before) borrowing inten...

Events

June 13, 2022 | 07:00 AM to 09:00 PM (CST)
Where the banking community connects and collaborates to address the industry’s most pressing issues...
February, 2026
Javelin's Digital Banking team takes a look at the trends shaping the industry in 2026....

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