Javelin Research

Winning the Auto Lending Game: Building a Digital Bridge to Borrowers

Javelin Report
Date: July 26, 2018
Author(s): Al Pascual
All signs point to an auto lending industry that is on the mend.  As the economy has improved and consumer confidence has returned, auto loans have been on the rise and financial institutions (FIs) are benefitting. With the emergence of new...

‘GDPR Lite’ California Privacy Act Mandates Modern Privacy Practices

Javelin Report
Date: July 23, 2018
Author(s): Sean Sposito, Al Pascual
In the wake of the Cambridge Analytica scandal that impacted roughly 87 million Facebook users, California lawmakers have quickly pushed through privacy legislation that could become a standard for how U.S. banks handle customer information.1 The...

Securing Emerging Channels: Virtual Assistants, the Internet of Things, and Beyond

Javelin Report
Date: July 19, 2018
Author(s): Kyle Marchini, Al Pascual
Connected cars, light bulbs, voice assistants, chatbots, and more! The “Internet of things” (IoT) is expanding swiftly with new types of devices, many of them carrying potential to support banking and payment services. These emerging channels offer...
This report takes a closer look at some of the major faster payment initiatives and explores their potential opportunities for adoption as well as any potential barriers.

The Rebirth of Identity Protection in Financial Services

Whitepaper
Date: June 27, 2018
Author(s): Al Pascual, Kyle Marchini
This original report, sponsored by EZShield, examines the opportunity for financial institutions to offer identity protection services to their accountholders, in light of the fraud threats faced by digital-first consumers. With consumers facing a...

Hacking Back: Playing with Fire

Javelin Report
Date: June 27, 2018
Author(s): Sean Sposito, Al Pascual
Despite warnings from academics, former intelligence community officials, and federal law enforcement, some security professionals at financial services companies harbor a willingness to attack their adversaries. Not necessarily to destroy outside...

2018 Trust in Banking

Javelin Report
Date: June 27, 2018
Author(s): Kyle Marchini, Al Pascual
This report ranks seventeen of the largest financial institutions in the US according to their level of trust among accountholders and considers the factors that can engender or undermine trust in a financial institution.

WebAuthn

Javelin Report
Date: June 21, 2018
Author(s): Kyle Marchini, Al Pascual
In April 2018, the World Wide Web Consortium (W3C) advanced the Web Authentication (WebAuthn) standard to the Candidate Recommendation stage. This standard defines an application programming interface (API) that can be incorporated into browsers...

Charting A Course to Better Mobile Banking

Javelin Report
Date: June 18, 2018
Author(s): Emmett Higdon
Drawing on Javelin’s Digital Banking Maturity Path, this initial report provides a strategic roadmap to help understand where mobile banking has grown beyond being just a tool for transactional updates and interactions.
The Consumer Financial Protection Bureau recently finalized a new rule governing the underwriting of certain short-term loans, notably payday loans. These loans are most frequently provided by local payday lenders, often at extremely high interest...

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