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

Digital Banking Research

Reports

Business Credit Scores and the FI Opportunity

Business credit scores are important components in financial management for small businesses, enabling them to secure financing, obtain credit cards, and access trade credit at large suppliers. But credit scores remain underused and misunderstoo...

Fact-Checking Bill Pay Assumptions—Three Data-Driven Paths Forward

Many bankers are conflicted about bill pay and its future in a mobile-first era of digital banking. Javelin’s assessment based on overall adoption, Gen Z behavior, channel preferences, and satisfaction data shows that digital banking strategists...

2024 Trends & Predictions: Digital Banking

Corporate belt-tightening and a scary economy for consumers will keep digital banking strategists keenly focused on improving access to digital customer service and building engagement and trust with financial fitness in 2024 and beyond. But ban...

2024 Trends & Predictions: Digital Lending

The outlook in digital lending in the year ahead will focus on three key areas: the prospect of regulatory clarity on popular products such as buy now, pay later loans and earned wage access; the impact on student loan borrowers—and financial in...

2024 Trends & Predictions: Small Business Banking

For the small-business banking sector, the road ahead in 2024 and beyond calls for seizing opportunities while being cautious about the challenges inherent in an uncertain economy. Generative AI captured the public’s fancy in 2023, and the comin...

Credit Score Monitoring Becomes a Crucial Mobile-First Behavior

Free credit scores shine as a compelling financial fitness feature for banks and credit unions, especially for mobile banking users in general and Gen Z in particular. Consumer preferences for reviewing credit scores in mobile banking reached a ...

Loan Education: Not Ready for the Mobile-First Era

Although banks provide a wealth of financial education on loans on their public websites, they integrate little of the content, calculators, and other features in digital banking for easy access once customers log in. This effectively treats cus...

The Credit-Building Pathway: Banking's Opportunity for a Fresh Approach

The banking industry’s traditional answer for Americans with limited or damaged credit histories is to educate customers generically, equip them with credit scores and do-it-yourself credit-building tools, and sell them a secured card with no fo...

Card Controls: A Service in Search of a Strategy

The current adoption of card controls by consumers is disappointing, but several indicators suggest that better positioning of these features by financial institutions would spur more use. Consumers care about security—it is the second heaviest ...

How to Supercharge Digital Banking with Payroll Data

Blind spots hinder banks and credit unions from providing reliable financial advice in digital banking. Fintechs such as Argyle, Atomic, Flinks, and Pinwheel are jockeying to provide “real time” payroll data that FIs are using to improve account...

Let us know how we can help!