Javelin Research

Beyond Simple and Safe

Date: April 20, 2016
Author(s): Mark Schwanhausser
With the goal of gaining a closer understanding of the actions and attitudes of consumers toward Direct Deposit of payroll, NACHA commissioned JAVELIN to conduct market research looking at all segments of the U.S. population, as they relate to Gen Y...

Mitigating Application Fraud from Synthetic Identities

Date: April 20, 2016
Author(s): Al Pascual
This whitepaper, sponsored by ID Analytics, explores the challenges that FIs and issuers face against a rising tide of application fraud and how the sharing of intelligence offers long-awaited hope in detecting the synthetic identities that make it...

Digital Money Management in 2016

Javelin Report
Date: April 15, 2016
The next phase of the evolution of digital banking is now at hand, with personal finance fundamentally woven into virtually every transaction. This report looks at the factors that are setting the stage for investment and innovation with...

2016 Small Business Fraud Report

Javelin Report
Date: April 7, 2016
Author(s): Al Pascual, Kyle Marchini
This report explores the experiences of small businesses over the last year to determine how specific behaviors and events contribute to the rate of fraud, the effect that fraud has on the relationship between small businesses and their financial...

Mobile Wallet Fraud Mitigation

Javelin Report
Date: March 30, 2016
Author(s): Al Pascual, Kyle Marchini
When early cases of Apple Pay fraud garnered media attention, FIs and issuers were forced to confront the menacing specter of a new financial product they did not completely control: mobile wallets. Not only did they face fresh competition from new...
This report will explore the demographic profile of affluent consumers, present their banking and payment behaviors, and identify ways that banks and payment companies can earn — and keep — their loyalty

What's in Your Mobile Wallet?

Javelin Report
Date: March 17, 2016
Author(s): Emmett Higdon
Introducing Javelin’s S.C.O.R.E Wallet Analysi This report provides a detailed look at mobile wallet adoption, drivers and hurdles, and introduces Javelin’s S.C.O.R.E. wallet analysis model for assessing and comparing competing wallet providers...

Prepaid Cards: Power Users and Potential Impact of the CFPB

Javelin Report
Date: February 19, 2016
This report examines how the cards are acquired, reloaded, and used by key consumer segments. It also examines the CFPB’s proposed changes to prepaid that could change the attractiveness of these cards. 
This report looks at how online banking fits into the rapid proliferation of mobile banking. FIs looking to preserve the utility of online banking for an increasingly mobile audience must move beyond thinking about it as a transaction processor and...

2016 Identity Fraud: Fraud Hits an Inflection Point

Javelin Report
Date: February 2, 2016
Author(s): Al Pascual, Kyle Marchini, Sarah Miller
On its face, fraud in 2015 appears not to have changed substantially. The total number of victims remained steady at 13.1 million, and the total fraud amount fell slightly to $15 billion. However, that stability masks major changes in fraud in the U...


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