Digital Banking Research

Leverage digital capabilities to improve customer experience and engagement

The digital world doesn’t stand still – neither does Javelin Strategy & Research. Our Digital Banking team constantly monitors the impact of market trends and emerging technologies on financial institutions and solution providers. Javelin offers two separate but related digital banking practices: Digital Strategy & Experience and Mobile & Online Banking.

Savings gets the innovative makeover it deserves. Marcus and HMBradley attract digitally savvy customers with a clever framing and a select combination of metrics and tools. These neobanks use gamification to drive customers’ interaction with their...
Generating invoices and payment acceptance are two areas that present difficulties for small businesses. For banks, this is an opportunity to offer a product to create and send customizable invoices and integrate with accounts payable and accounts...

2021 Mobile Banking Scorecard

Javelin Report
Date: June 29, 2021
Author(s): Emmett Higdon
Javelin's 15th annual Mobile Banking Scorecard shows bank innovation slowing and Bank of America’s lead shrinking, as U.S. Bank and Chase close the gap. Little progress has been made in closing consumer expectation gaps exposed by the pandemic...

2021 Online Banking Scorecard

Javelin Report
Date: June 29, 2021
It’s undeniably a mobile-first world, and many institutions are putting the emphasis—and the money—toward enhancing users’ experience in that channel rather than online. Javelin Strategy & Research’s annual Online Banking Scorecard shows how the...
As the third round of stimulus payments reached U.S. consumers, most digital banking sites provided little, if any, guidance as to how best to put the funds to use. Banks missed a perfect opportunity to showcase financial fitness tools and content...
Although financial alerts are a crucial conduit for long-term, proactive relationships, the majority of U.S. banks and credit unions have handicapped themselves in two ways. They are both deaf and dumb – deaf to consumer demand for personalized...
To survive and thrive in business digital banking in the coming decade, banks will need to transform their offerings in a way that keeps small businesses from looking over the fence at encroaching non-bank players. In this report, Javelin lays out...

Searching for Digital Engagement

Javelin Report
Date: March 2, 2021
The banking industry is investing heavily in chat bots and virtual assistants, but pioneering banks are struggling to encourage customers to adopt these conversational tools and interfaces. Banks must consolidate a confusing range of discovery tools...
In recent years, dozens of new so-called neobanks have come to market, looking to disrupt the banking landscape by offering simple, digital-only accounts that emphasize customer-friendly pricing, product positioning, and communications. Neobanks aim...

Brace for an Interchange Squeeze

Video
Date: January 28, 2021
Presenter(s): Mark Schwanhausser
A Justice Department antitrust lawsuit did more than scuttle Visa’s $5.3 billion acquisition of Plaid. It spotlighted a worrisome strategic issue facing the financial services industry in 2021: the threat to interchange revenue. 

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