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.

Digital account opening isn’t meeting its potential in Canada, where too few consumers apply for their checking accounts entirely through digital channels. Many applicants continue coming to the branch, the highest-cost channel, to fulfill their...
Visa’s acquisition of Plaid stirs up questions that span the retail financial world — from banking and payments to investing and lending. 

Gamification Reaches a Pivotal Point in 2020

Javelin Report
Date: December 18, 2019
As the new decade dawns, four key trends are kindling an innovative era in gamification that includes evolving to a Foresight Model of personalized engagement. This strategic report examines those trends, looks at two models for gamification, maps...

2020 Small Business Banking & Payments Trends

Javelin Report
Date: December 3, 2019
Author(s): Ian Benton
Javelin outlines three key areas small business bankers should consider to be key priorities in the coming year: electronic payments, serving the expanding freelance and self-employed market, and digital account opening for business products.

2020 Digital Banking Trends

Javelin Report
Date: December 3, 2019
As the banking industry enters the 2020s, Javelin’s Digital Banking team has spotlighted three trends that will spark innovation, make it easier to pay bills and move money, and boost trust.

Challenger Banks Target Paycheck-to-Paycheck Prospects

Javelin Report
Date: November 21, 2019
Author(s): Emmett Higdon
U.S. digital-only challenger banks have long touted low fees as their primary benefit. No monthly account charges and free ATM transactions help position the mobile apps as consumer-friendly alternatives to giant banks. Several of these neobanks...
This report details how this evolution has occurred, and explores how banks can cement their status as the centralized hub through which business clients monitor and manage their finances.
This original report, sponsored by TransUnion, examines the role that consumer access to credit scores and credit file data plays in the promotion of financial inclusion, responsible borrowing habits, and more transparent and accurate...

Creating a Mobile Customer Service Continuum

Javelin Report
Date: October 7, 2019
Author(s): Emmett Higdon
Nearly 140 million Americans have used mobile banking in the past 30 days. For many of them, the mobile banking app has become their primary account management tool. Just 42% of these consumers, however, believe that they can resolve most customer...

How to Shape Zelle Beyond 2020

Javelin Report
Date: September 24, 2019
A year and a half after its highly publicized rollout, Zelle has become the standard for making person- to-person payments through financial institutions (FIs). It has forced its way onto the shortlist for near-term investments in digital banking...

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