Javelin Research

Overcoming the Top Ten Challenges to Omnichannel Fraud Management

Date: November 6, 2018
Author(s): Al Pascual, Kyle Marchini
This original report, sponsored by RSA, examines the challenges that financial institutions face in trying to manage fraud schemes that cross, and take advantage of, different banking channels. This research report was independently produced...
This report takes a closer look at why consumer sentiment is a risk in deploying blockchain and provides guidance on how blockchain can meet consumer needs for data protection and privacy.

Mass Affluent Borrowers: They Want Digital and They Want it Now

Javelin Report
Date: October 23, 2018
Author(s): Al Pascual
With six-figure annual household incomes and access to appreciating as well as income-producing assets, the mass affluent present an attractive target for traditional and nontraditional lenders alike. However, the segment’s comfort with technology...

EMVCo Virtual TEE Certification

Date: October 22, 2018
Author(s): Kyle Marchini, Al Pascual
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
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...

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...

New Small Business Neobanks Hit the Market

Javelin Report
Date: October 9, 2018
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...


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