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.

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

Javelin Report
Date: September 9, 2019
Author(s): Austin Kilgore
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
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....
This original report, sponsored by Finastra, explores the relationship between primary bank status and the propensity for a consumer to borrow, including with the reasons why a primary bank may not be the first stop for existing customers on...

Enhanced Credit Scores

Javelin Report
Date: March 28, 2019
Author(s): Al Pascual
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

Date: March 5, 2019
Author(s): Al Pascual
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...

Mortgage Mobilification: Building the Mobile Mortgage Experience

Javelin Report
Date: December 5, 2018
Author(s): Al Pascual
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...

Mass Affluent Borrowers: They Want Digital and They Want it Now

Javelin Report
Date: October 23, 2018
Author(s): Al Pascual
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...

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