Javelin Research

Javelin’s Online Banking Scorecard is a follow-up to “Building Better Online Banking,” which detailed strategic principles that will help FIs evolve along Javelin’s Digital Banking Maturity Path and cement long-term banking relationships built on...
Analysts from Javelin’s Small Business Banking practice attended three conferences in the spring and summer of 2018: FinovateSpring, LendIt Fintech, and the SourceMedia Digital Banking conference. Of the firms presenting, Javelin identified four...

Mobile Wallet Wars: A Battle for Consumer Loyalty

Javelin Report
Date: September 6, 2018
Since the launch of Apple Pay in 2014, payment providers, issuers, and merchants have been jockeying for position as the default payment method on digital devices. Apple Pay was quickly followed by Google Pay and Samsung Pay, yet the big three...

Technology Warranties: Vendors Find a Ready Market in Financial Institutions

Javelin Report
Date: August 30, 2018
Author(s): Sean Sposito
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...

The London Protocol

Javelin Report
Date: August 22, 2018
Author(s): Sean Sposito, Al Pascual
Amidst an increasing number of phishing reports involving digital certificates, several Certificate Authorities (CAs) have banded together. For the first time, these arbiters of digital trust are cooperating in an effort to proactively ensure the...

Digital Banking for Gen Z

Javelin Report
Date: August 16, 2018
This report delves into the unprecedented historical and cultural moment into which Gen Z is emerging and explores what the implications are for digital banking strategists, marketers, and executives. It will be vital for banks to understand this...

PayPal Poses Greater Threat to Banks Than Amazon

Javelin Report
Date: August 9, 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.

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...


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