Javelin Research

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...

The Power of Translating Transactions into Plain Language

Advisory Webinar: Client Login Required
Date: September 9, 2019
Author(s): Mark Schwanhausser
Research Topic(s): Digital Strategy & Experience
Join Mark Schwanhausser and Emmett Higdon as they discuss how to rethink the ledger through the eyes of mobile-first customers.
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 New Criminal Toolbox: Tools and Tactics for Modern Crimeware

Javelin Report
Date: August 22, 2019
Author(s): Kyle Marchini
Research Topic(s): Fraud Management, Fraud & Security
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...

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....

The Evolution of New Account Fraud

Whitepaper
Date: July 25, 2019
Author(s): Kyle Marchini
Research Topic(s): Fraud Management, Fraud & Security
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...

Libra’s Long Reach Impact in Payments

Javelin Report
Date: July 19, 2019
Author(s): Krista Tedder
Research Topic(s): Payments
The launch of The Libra Association came about with fanfare and a big misstep. Instead of focusing on the non-profit organization and what a new payment association, or scheme, could mean for the world of payments, the media and regulators are...
Several large banks have shuttered their mobile wallets in the past year, and the landscape has shifted significantly. The most recent news comes from Wells Fargo, which next month will eliminate the contactless payment functionality built into...
Less than a year after Finn’s nationwide release in June 2018, Chase announced that it would retire its millennial-focused app in August.  Many in the press and the Twitterverse painted Finn as a failure because it didn’t gain significant...

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