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.

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. 
Join Ian Benton, Sr. analyst, Small Business Digital Banking and Payments as he walks you through Javelin’s predictions for the Small Business Banking Industry. 
Join Emmett Higdon, Director, Digital Banking and Mark Schwanhausser, Director, Digital Banking as they walks you through Javelin’s predictions for the Digital Banking Industry.

Roles Shift as U.S. Open Banking Slows

Javelin Report
Date: December 23, 2020
Author(s): Emmett Higdon
The concept of open banking—enabling consumers to seamlessly and securely share their bank data with third parties—has promised to spur innovation and deliver exciting new products and services to consumers. Market-driven standards, consumer demand...
Javelin’s user experience review provides examples of both challenges and promising approaches from Bank of America, BBVA, Chase, HMBradley, Huntington Bank, Morgan Stanley, One, PNC Bank, USAA, and Wells Fargo.
The challenges brought on by this historic upheaval are no less daunting in 2021. Digital banking strategists face historic uncertainly about the extent to which consumer expectations and banking habits will be forever altered – and how this will...

The Threat Facing Rural Banks

Javelin Report
Date: December 2, 2020
Using Javelin’s ZIP-code-driven analysis of FIs and rural banking customers, this report spells out major dissonances between trends affecting rural markets and rural banking usage, and identifies the behaviors and attitudes of rural banking...

The Six Pillars of Automated Saving

Javelin Report
Date: November 24, 2020
Javelin’s analysis of 25 top financial institutions illustrates that banks and credit unions are falling short, with only a handful experimenting with the four primary building blocks of direct deposit, algorithm-driven models, round-up-the-change...

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