Javelin Research

How to Shape Zelle Beyond 2020

Javelin Report
Date: September 24, 2019
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...

How Amazon Is Redefining Payments

Javelin Report
Date: September 17, 2019
Author(s): Krista Tedder
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...

Near-Prime Lending: The Role of Alternative Data and AI

Javelin Report
Date: September 9, 2019
Author(s): Austin Kilgore
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 New Criminal Toolbox: Tools and Tactics for Modern Crimeware

Javelin Report
Date: August 22, 2019
Author(s): Kyle Marchini
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
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

Date: July 25, 2019
Author(s): Kyle Marchini
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
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...

Banks Shift Wallet Focus from Payments to Control

Javelin Report
Date: July 3, 2019
Author(s): Emmett Higdon
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...


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