Javelin Research

2019 Digital Banking Trends

Javelin Report
Date: 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...

2019 Cybersecurity Trends

Javelin Report
Date: January 15, 2019
Author(s): Sean Sposito, Al Pascual
Financial institutions are driving toward a future where there’s little difference between online and offline banking. In that world where the edge of a firm’s business is defined more by an omnichannel experience than just its brick-and-mortar...

2019 Payments Trends

Javelin Report
Date: January 14, 2019
Payments have been slowly evolving for the past decade. However, the pace has accelerated over the past few years, forcing infrastructure and organizational changes to meet the demands of payment modernization. The move to improve efficiency, speed...
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...
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...

How Online vs. Mobile is Shifting to Browser vs. App

Javelin Report
Date: December 21, 2018
Smartphone applications dominate mobile banking today, with 84% of mobile banking customers using their bank’s app to manage their accounts. More than half of all mobile bankers, however, also access their accounts through a browser on their phone....
In today’s highly competitive acquisition arena, deposit growth has slowed and organizations are looking for strategies to attract and retain profitable relationships. Market indicators show that the benefit of key services, such as those offered...

Overcoming False Positive Declines in E-Commerce

Whitepaper
Date: December 20, 2018
Author(s): Al Pascual, Kyle Marchini
This report, sponsored by NuData Security, a Mastercard company, explores the relationship between card fraud and false positive declines in e-commerce transactions, along with the effects of those declines on consumers. This report was...
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...

Equity Sharing: A New Approach for Financing Homeownership and Accessing Equity

Javelin Report
Date: December 13, 2018
Author(s): Al Pascual
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...

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