Javelin Research

Although financial alerts are a crucial conduit for long-term, proactive relationships, the majority of U.S. banks and credit unions have handicapped themselves in two ways. They are both deaf and dumb – deaf to consumer demand for personalized...
As the third round of stimulus payments reached U.S. consumers, most digital banking sites provided little, if any, guidance as to how best to put the funds to use. Banks missed a perfect opportunity to showcase financial fitness tools and content...

2021 Identity Fraud Study: Shifting Angles

Whitepaper
Date: March 23, 2021
Research Topic(s): Fraud Management, Fraud & Security
As criminals focus intently on consumers as the path of least resistance in their quest to steal personal information, their tactics have diverged into two entirely distinctive identity fraud categories that drove consumer losses to $56...

Futureproofing Payments: Building a Digital Currency Payment Strategy

Javelin Report
Date: March 22, 2021
Research Topic(s): Payments
Digital payments continue to evolve around digital currencies, stable coins, and cryptocurrencies, and financial institutions will need to determine how they will participate in digital financial services. With FIs moving beyond asset...
To survive and thrive in business digital banking in the coming decade, banks will need to transform their offerings in a way that keeps small businesses from looking over the fence at encroaching non-bank players. In this report, Javelin lays out...

Digital Strategies for Direct Auto Lending

Javelin Report
Date: March 11, 2021
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
The digital direct channel offers a compelling alternative to traditional indirect auto finance. But auto lenders seeking to establish a presence in the digital direct channel will find an already crowded field of nonbank fintech lenders, one-stop...

SolarWinds Shines Light on Emerging APT Risks

Impact Note
Date: March 10, 2021
Author(s): Alexander Franks
Research Topic(s): Fraud & Security, Cybersecurity
The recovery process from December’s SolarWinds attack is just beginning. Financial institutions got off easy this time, but now must take immediate action to mitigate insecurity from this attack and strengthen their security posture in anticipation...
Consumers remain a target for cybercriminals as a third stimulus bill is passed into law. Preventing unemployment benefit scams and Economic Impact Payment check fraud should be a priority for financial services. Financial institutions have an...

Searching for Digital Engagement

Javelin Report
Date: March 2, 2021
The banking industry is investing heavily in chat bots and virtual assistants, but pioneering banks are struggling to encourage customers to adopt these conversational tools and interfaces. Banks must consolidate a confusing range of discovery tools...

Impacts of Regulatory Actions on Payment Technology

Javelin Report
Date: February 24, 2021
Research Topic(s): Payments
Payment regulation is on the horizon, not only for banks and credit unions, but also for fintechs. Some of the regulations are well overdue, like preventing discrimination in banking. Others are new to deal with the evolving cryptocurrency and...

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