Javelin Research

As digital banking capabilities have expanded, consumer adoption of online and mobile channels has continued to climb. Surprisingly, consumer use of traditional banking channels — branch, ATM, call center — has dropped little. 

Digital Lending Fraud

Javelin Report
Date: November 14, 2017
Author(s): Al Pascual, Sean Sposito
In this report, Javelin explores how these issues have come to unfold and the steps that lenders must take if they want to effectively resist this growing epidemic of digital lending fraud. 
The market for small business credit has exploded since the Great Recession, with various nonbank lenders using innovative credit decision making, digital applications, and marketing practices to carve out a large market of business borrowers...
The time is ripe to push digital statements aggressively. A decade ago when digital banking was new — notably, the iPhone had just been introduced — financial institutions cautiously asked customers to volunteer to turn off paper statements for...
The expansion of e-commerce retailing continues to grow unabated, accelerating with each new digital retailer born, every new expansion of physical delivery services, and the intensifying desire of consumers to shop when, where, and how they want. E...
Javelin’s annual Mobile Banking Scorecard analyzes how well the nation’s top 28 retail banks and credit unions are keeping pace. The Scorecard examines more than 150 features of mobile banking apps in six key areas: ease of use, security empowerment...

Impact Note: PIN on Glass

Javelin Report
Date: October 23, 2017
This paper highlights the potential opportunity and challenges the industry will face with the upcoming introduction of a radically new software solution for PIN entry. This solution has undergone a successful trial in the UK and Australia for the...

Impact Note: GDPR

Javelin Report
Date: October 18, 2017
Author(s): Al Pascual, Sean Sposito
On May 25, 2018, when the European Union’s landmark General Data Protection Regulation (GDPR) is scheduled to take effect, few, if any, financial institutions will be confident they’re in full compliance, here or abroad. The sweeping mandate —...
Javelin’s Online Banking Scorecard identifies features that will enable financial institutions to achieve two strategic goals: 1) to serve as their customers’ primary FI for transactions, and 2) to build a trusting, advisory relationship that leads...

2017 Identity Proofing Platform Scorecard

Javelin Report
Date: October 2, 2017
Author(s): Al Pascual, Kyle Marchini
In this report, Javelin examines how FIs can best manage identity proofing across different key use cases and provides a guide for selecting the most effective identity proofing platform based on functionality, innovation, and the ability to tailor...


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