Javelin Research

EMVCo Virtual TEE Certification

Date: October 22, 2018
Author(s): Kyle Marchini, Al Pascual
Research Topic(s): Fraud Management, Fraud & Security
This original report, sponsored by MagicCube, examines the potential impact of EMVCo's pending virtual trusted execution environment (vTEE) certification and the advantages and drawbacks of vTEEs compared to current approaches, such as physical TEEs...

Addressing the Threat of False Positive Declines

Javelin Report
Date: October 17, 2018
Author(s): Kyle Marchini
Research Topic(s): Fraud Management, Fraud & Security
In the fight against credit and debit card fraud, merchants and issuers unwittingly create unintended casualties when they decline a legitimate cardholder’s transaction because of suspected fraud. No one wins when a “false positive” decline happens...

South Dakota v. Wayfair Inc.

Javelin Report
Date: October 16, 2018
As digital commerce has developed over the past 30 years, the Supreme Court of the United States (SCOTUS) has twice ruled on the issue of taxation. Most recently, a June 21, 2018 ruling in South Dakota v. Wayfair Inc. now allows a state to collect...

2018 Mobile Banking Scorecard: Tactical Tweaks Take Priority Over Strategic Enhancements

Advisory Webinar: Client Login Required
Date: October 11, 2018
Author(s): Emmett Higdon
Research Topic(s): Mobile & Online Banking
Join Javelin for this year’s mobile banking highlight reel, where we’ll cover all six Scorecard categories, sharing examples of the most important changes that we saw.

All Eyes On Bank of America's Virtual Assistant

Javelin Report
Date: October 11, 2018
Author(s): Emmett Higdon
​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...
Javelin’s 2018 Mobile Banking Scorecard seeks to help financial institutions lay out a strategic road map that leads to deeper engagement and more lasting customer relationships. It provides a data-driven assessment of more than 200 mobile features...
In May 2018, Javelin published an overview of the nascent market of small-business-focused neobanks — fintech companies that have built a branchless, mobile-first feature set for business owners while partnering with chartered banks to hold deposits...
This report revisits the themes found in Javelin’s 2016 report “Overhauling Mobile Banking for Small Business: Moving Beyond Consumer-Focused Features.” This update of small business mobile banking was undertaken because of the widespread use of...

Innovation in Security: Black Hat 2018

Javelin Report
Date: October 2, 2018
Author(s): Sean Sposito, Al Pascual
Research Topic(s): Cybersecurity, Fraud & Security
There are few shows that bring together more security vendors than UBM Technology Group’s annual Black Hat conference. Squeezed between BSides Las Vegas and DEF CON, the conference’s two days of briefings bring together thousands of attendees...
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...


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