Javelin Research

Nearly 140 million Americans have used mobile banking in the past 30 days. For many of them, the mobile banking app has become their primary account management tool. Just 42% of these consumers, however, believe that they can resolve most customer...
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A year and a half after its highly publicized rollout, Zelle has become the standard for making person- to-person payments through financial institutions (FIs). It has forced its way onto the shortlist for near-term investments in digital banking...
This original report, sponsored by Booz Allen Hamilton, outlines the specific motivations, frameworks, and technologies used by collaborative fraud and security teams inside financial institutions, merchants, and payment service...
The past several years have been filled with water cooler conversations of "what happens if Amazon becomes a bank". The good news is that they don't want to be a bank. Amazon wants to partner with merchants as a payment service provider to build a...
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...
In this report, we examine the progress made so far in developing faster payments technologies, how that will influence how small businesses make payments, and how banks and service providers can develop products that will allow business owners...
The growth of fraud over the past decade has fueled the rise of a sophisticated criminal economy. Individuals getting started in fraud, or existing teams changing their focus, rarely need to build their own tools, instead turning to marketplaces...
Javelin’s report exposes problems that plague FIs big and small, sometimes caused by shortcomings in core banking technology, incremental upgrades, and poorly integrated services and features. But this review – illustrated with nearly 70 screenshots...
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 GIACT®, examines the challenges posed by the evolving threat of fraudulent account opening. As fraudsters have broadened their targets, organizations outside traditional financial services have had to confront the...

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