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.

Trust in Lending

Javelin Report
Date: March 4, 2020
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
This report leverages a new segmentation of Javelin’s Trust, Innovation, and Partnership (TIP) model designed to assess perceptions between borrowers of mortgage, auto, and other loans and consumers without loans. It explores the implications of...
This original report, sponsored by TransUnion, examines the role that consumer access to credit scores and credit file data plays in the promotion of financial inclusion, responsible borrowing habits, and more transparent and accurate...

Emerging Channels in Lending

Javelin Report
Date: December 11, 2019
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
This report explores the boundaries being pushed across the consumer lending ecosystem to create easier, more engaging experiences than could have ever once been imagined and examines the strategies needed to make these new approaches work.

2020 Digital Lending Trends

Javelin Report
Date: December 3, 2019
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
This report provides an overview of three trends that will be critical for lenders to address or to start addressing in the coming year, along with the strategies and decisions lenders must consider to effectively respond to, or even get ahead of,...

Lending to Gen Z

Javelin Report
Date: November 14, 2019
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
This report explores the economic, societal and cultural circumstances that differentiate Gen Z from Millennials and older generations and details the steps lenders must begin taking now to adjust their approach to acquiring, selling to, and...

Near-Prime Lending: The Role of Alternative Data and AI

Advisory Webinar: Client Login Required
Date: October 17, 2019
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
Austin Kilgore and Emmett Higdon will discuss why lenders struggle to extend loans and offer competitive pricing to these “near-prime” borrowers and how now, they’re increasingly turning to new underwriting techniques, such as alternative credit...

Near-Prime Lending: The Role of Alternative Data and AI

Javelin Report
Date: September 9, 2019
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
This report will examine the characteristics of the segment of subprime borrowers classified as “near-prime” and why they struggle to obtain affordable credit. We will also explore new technologies and alternative approaches to assessing...

Finding Digital Success Amid Shifting Lending Markets

Javelin Report
Date: August 1, 2019
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
Digital lending capabilities are rapidly advancing to meet growing consumer expectations of a seamless process. The following is an overview of key developments and emerging trends across the mortgage, auto, student and personal lending landscapes....

Enhanced Credit Scores

Javelin Report
Date: March 28, 2019
Author(s): Al Pascual
Research Topic(s): Digital Lending
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...

Agile Mortgages Case Study: Atlantic Home Loans

Whitepaper
Date: March 5, 2019
Author(s): Al Pascual
Research Topic(s): Digital Lending
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 &...

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