Digital Lending Research

Optimize the stages of consumer lending with digital technology

Technology is reshaping the expectations and experiences of borrowers. Customers are being influenced by an ever-broadening set of digital interactions. As a result, expectations as to the quality and immediacy of the borrowing experience are rising. Javelin Strategy & Research provides strategic insights to clients who want to exceed the expectations of borrowers, helping them deliver a world-class digital lending experience.

Enhanced Credit Scores

Javelin Report
March 28, 2019
Enhancing credit scores with alternative data promises to fill a significant gap in the relevant information available to lenders to evaluate credit applicants, providing a broader view into consumer payments behavior and potentially enabling...
This original report, sponsored by AI Foundry, explores the role that intelligent automation is playing in transforming mortgage processing at Atlantic Home Loans. This research report was independently produced by Javelin Strategy &...
The impact of borrowers’ defaulting on their debts can be detrimental for both borrowers and lenders; the lenders because they face significant costs in collections associated with each loan and the borrowers because it could take a toll on their...
This report introduces a relatively new breed of home financing/refinancing products that represent a significant departure from debt arrangements historically associated with homeownership – e.g., home mortgage and home equity line of credit (HELOC...
The trend toward digital banking is making its mark in the mortgage space. Digital mortgages have the potential to save consumers and lenders significant time and expense, decreasing closing costs and freeing up personnel from paper-intensive...
With six-figure annual household incomes and access to appreciating as well as income-producing assets, the mass affluent present an attractive target for traditional and nontraditional lenders alike. However, the segment’s comfort with technology...
All signs point to an auto lending industry that is on the mend.  As the economy has improved and consumer confidence has returned, auto loans have been on the rise and financial institutions (FIs) are benefitting. With the emergence of new...
The Consumer Financial Protection Bureau recently finalized a new rule governing the underwriting of certain short-term loans, notably payday loans. These loans are most frequently provided by local payday lenders, often at extremely high interest...

2018 Digital Lending Trends

Javelin Report
March 1, 2018
While most areas in retail banking have embraced the power of going digital, lending has been a clear laggard.  It is only over the last few years that lending has truly embraced the digital revolution. Spurred by threats from alternative...

2018 Fraud & Security Trends

Javelin Report
February 19, 2018
With every new headline it becomes increasingly obvious that cybercrime is on the rise.  Motivated by the growing use of digital banking and payments, criminals are targeting institutions’ websites, consumers’ digital devices and non-bank...

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