Javelin Research

Lending to Gen Z

November 14, 2019 By: Austin Kilgore
This report explores the economic, societal and cultural circumstances that differentiate Gen Z from Millennials and older generations and details the steps lenders must begin taking now to adjust their approach to acquiring, selling to, and...
Behavioral biometrics is quickly emerging as a useful means of lowering fraud losses. The technology pulls data from the gyroscopes of smartphones, monitoring and measuring the rates of keystrokes, among other techniques, to accurately ensure...
This report details how this evolution has occurred, and explores how banks can cement their status as the centralized hub through which business clients monitor and manage their finances.
For financial institutions (FIs) and payment companies, identifying cybersecurity startups to partner with can be among the most challenging tasks inherent in network defense. Unlike large established vendors, smaller, younger firms have the agility...
The United States recently moved to chip technology but is it ready for contactless payments? Issuers and merchants both need each other to make the business case to upgrade to near field communication (NFC) options. The report reviews the business...
Nearly 140 million Americans have used mobile banking in the past 30 days. For many of them, the mobile banking app has become their primary account management tool. Just 42% of these consumers, however, believe that they can resolve most customer...
This original report, sponsored by Booz Allen Hamilton, outlines the specific motivations, frameworks, and technologies used by collaborative fraud and security teams inside financial institutions, merchants, and payment service...
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...
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...
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...

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