We can help you leverage digital channels to enhance your customers’ experience

Digital Banking Research

Reports

How to Help Car Buyers Break the Cycle of Debt

Javelin’s case study compares two starkly different car buyers—one who builds car payments into their monthly budget for life, the other who breaks the cycle of debt by keeping cars longer and turning payments into savings. The financial fates o...

Sunsetting Secure Messaging? Get These 5 Things Right First

Secure messaging is at a pivotal point as banks and credit unions make the switch to chatbots and live chat. Because customers are accustomed to secure messaging but expect instantaneous service, financial institutions must strategically balance...

Ongoing Onboarding: The Antidote for Disengaged, Unprofitable Customers

This report, sponsored by Digital Onboarding, Inc., maps out how banks and credit unions can use digital channels to provide best-in-class onboarding that leads to profitable primary financial institution relationships. The report was independen...

Generative AI in Small-Business Banking: The Race Is On

Generative AI is poised to revolutionize the way small businesses interact with their banks. But are financial institutions ready to seize the opportunity? Fintechs like Intuit, Block, and PayPal forge ahead with AI-powered tools designed to str...

Mobile Deposit: A Success Story With Three Caveats

In 2023, mobile deposit became the most frequent way consumers chose to deposit a check. It is by far the preferred deposit method, and it is a winner among younger consumers. Nonetheless, Javelin’s examination of mobile deposits at 20 of the la...

Ongoing Onboarding: The Antidote for Disengaged, Unprofitable Customers

Banks and credit unions have poured resources into the account opening journey to streamline the process from “Apply Now” to “Funds Accepted.” But it’s the onboarding process that comes afterward that will truly dictate whether new applicants wi...

Positive Messaging: Recasting How Banks Communicate with Customers

It’s hard to deliver bad news to banking customers in digital channels. Most financial institutions are in the first phase of Javelin’s Positive Messaging Maturity Path, where the focus is on do-it-yourself alerts that remain largely retrospecti...

Beating the Fintech Mortgage Influencers: How FIs Can Prevail

To navigate the complex homebuying process, shoppers commonly seek guidance from non-bank influencers such as real estate agents, lending marketplaces, and digital lenders. Javelin Strategy & Research analyzed eight leading mortgage fintechs wit...

How to Build Credit Card Wizards That Win Share of Wallet

  • Javelin Report
  • Date: February 12, 2024
  • Research Topic(s): Digital Lending
Banks and credit unions provide a digital shopping experience that can lead customers to pick an ill-suited credit card and put an FI at risk of costly “silent churn.” In contrast, NerdWallet, CardWiz, Smart Asset, and other card advisory fintec...

Mapping Out the Generative AI Future at Three Large Fintechs

Over the past five years, Javelin Strategy & Research has persistently raised the alarm about the escalating influence of three dominant fintech platforms—Intuit, Block, and PayPal—and the looming challenges they pose to traditional financial in...

Let us know how we can help!