Digital Strategy & Experience Research

Leverage digital capabilities to improve customer experience and engagement

The digital world doesn't stand still -- neither does Javelin Strategy & Research. Our digital Banking team constantly monitors the impact of market trends and emerging technologies on financial institutions and solution providers. Plan for "what's next" by evaluating market shifts and strategically aligning offerings with objectives and consumer expectations.

This case study of Wells Fargo's Control Tower demonstrates an early attempt at empowering consumers to (1) know where and how their financial information is being used in and outside digital banking, and (2) manage access to that information, in...

Better Mobile Banking Comes Before 5G 

Javelin Report
March 25, 2019
5G is the next generation of cellular technology, an ultra-high-speed wireless standard that will, in theory, offer mobile data speeds of up to an order of magnitude faster than today’s fastest connections and virtually instantaneous response times...

2019 Digital Banking Trends

Javelin Report
January 16, 2019
2019 signals a turning point for mobile-first strategic planning. At innovative FIs, efforts to develop more convenient ways to bank will shift to harder questions. How can we simplify digital banking so that customers tackle more financial chores...
Wells Fargo is targeting young consumers with Greenhouse, a mobile banking app with the lofty goal of fundamentally rewiring how consumers budget and manage cash flow. It was launched in November, just five months after Chase unveiled Finn, a...

All Eyes On Bank of America's Virtual Assistant

Javelin Report
October 11, 2018
​Bank of America first announced its ambitious plans for a mobile banking virtual assistant in the fall of 2016. Dubbed “Erica,” the bank’s assistant ultimately took more than two years of development to reach customers. Erica went live in selected...
Chase and Wells Fargo have unveiled mobile banking apps this summer that are innovative, provocative, and inherently risky experiments. In the first of two case studies, Javelin examines Chase’s Finn app, released in June, to be followed by a look...

7 Ways to Reinvent Paying Bills in a Mobile Era

Javelin Report
September 20, 2018
FI bill pay is at a crossroads — and at a virtual standstill. When it comes to the never-ending chore of monitoring and paying bills, consumers are not about to choose between paying bills through their FI or directly at billers. They have made it...

PayPal Poses Greater Threat to Banks Than Amazon

Javelin Report
August 9, 2018
Drawing on Javelin’s Digital Banking Maturity Path, this initial report provides a strategic roadmap to help understand where mobile banking has grown beyond being just a tool for transactional updates and interactions.
Banks are failing at mobile account opening while consumers continue to start a growing percentage of overall applications via smartphone. With nearly 1 in 3 checking account applicants turning first to smartphones, mobile origination is a huge...

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...

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