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.

Better Mobile Banking Comes Before 5G 

Javelin Report
March 25, 2019
5G is the next generation of cellular technology, an ultra-high-speed wireless standard that will, in theory, offer mobile data speeds of up to an order of magnitude faster than today’s fastest connections and virtually instantaneous response times...
Financial institutions are overlooking scores of ways to deepen digital relationships with the nation’s 82 million Baby Boomers, typically by assuming it is wiser to double down instead on innovations for mobile-first Millennials. The reality is...
This report is Part I in Javelin’s examination of the account opening vendor space. It provides an overview of the current state of the market and lays out our framework for measuring a vendor’s success. Part II, upcoming, will feature a scorecard...
Development in consumer digital banking accelerated during 2018, with several top banks rolling out engaging experiences incorporating advanced and engaging features like chatbots, personal finance tools, and more. Unfortunately, digital experiences...

2019 Digital Banking Trends

Javelin Report
January 16, 2019
2019 signals a turning point for mobile-first strategic planning. At innovative FIs, efforts to develop more convenient ways to bank will shift to harder questions. How can we simplify digital banking so that customers tackle more financial chores...

How Online vs. Mobile is Shifting to Browser vs. App

Javelin Report
December 21, 2018
Smartphone applications dominate mobile banking today, with 84% of mobile banking customers using their bank’s app to manage their accounts. More than half of all mobile bankers, however, also access their accounts through a browser on their phone....
In today’s highly competitive acquisition arena, deposit growth has slowed and organizations are looking for strategies to attract and retain profitable relationships. Market indicators show that the benefit of key services, such as those offered...
Wells Fargo is targeting young consumers with Greenhouse, a mobile banking app with the lofty goal of fundamentally rewiring how consumers budget and manage cash flow. It was launched in November, just five months after Chase unveiled Finn, a...
Javelin’s 2021 forecast shows that growth in monthly mobile banking adoption is tapering off and will remain far short of adoption of online banking for years into the future. 

South Dakota v. Wayfair Inc.

Javelin Report
October 16, 2018
As digital commerce has developed over the past 30 years, the Supreme Court of the United States (SCOTUS) has twice ruled on the issue of taxation. Most recently, a June 21, 2018 ruling in South Dakota v. Wayfair Inc. now allows a state to collect...

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