Javelin Research

Consumers remain a target for cybercriminals as a third stimulus bill is passed into law. Preventing unemployment benefit scams and Economic Impact Payment check fraud should be a priority for financial services. Financial institutions have an...
The banking industry is investing heavily in chat bots and virtual assistants, but pioneering banks are struggling to encourage customers to adopt these conversational tools and interfaces. Banks must consolidate a confusing range of discovery tools...

Impacts of Regulatory Actions on Payment Technology

Javelin Report
Date: February 24, 2021
Research Topic(s): Payments
Payment regulation is on the horizon, not only for banks and credit unions, but also for fintechs. Some of the regulations are well overdue, like preventing discrimination in banking. Others are new to deal with the evolving cryptocurrency and...
Consumer awareness surrounding how organizations collect and use personal information is rising. This rising awareness has caused substantial shifts in consumer banking behaviors. Financial institutions have an opportunity to leverage consumers’...

Google’s Advancement to Become a Super App

Impact Note
Date: February 17, 2021
Research Topic(s): Payments
A simple mention in the Global Payments investment briefing provided insight into how embedded payments will be expanding through Google Advertising. Already a revenue powerhouse, Google's advertisements are wide reaching and cross many platforms....

The Future of Self-Directed Investing May Not Be Self-Directed

Impact Note
Date: February 17, 2021
Author(s): William Trout
Research Topic(s): Digital Wealth, Wealth Management
What next for Robinhood? The Gamestop scandal represents the third bloody nose for the firm in as many months. The suicide of an options trader last fall was a first blemish. Successive platform outages have been another. The current kerfuffle may...
This report focuses on the front office, the center of client-adviser interaction. It highlights the complexity of the portfolio construction process and its inexact link to most risk profiling exercises. At the same time, it offers recommendations...
In recent years, dozens of new so-called neobanks have come to market, looking to disrupt the banking landscape by offering simple, digital-only accounts that emphasize customer-friendly pricing, product positioning, and communications. Neobanks aim...

Ginnie Mae’s First eNotes Create New Urgency for Digital Mortgages

Impact Note
Date: February 2, 2021
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
The completion of Ginnie Mae’s first-ever mortgage-backed security comprised entirely of electronic promissory notes eliminates longstanding barriers to entry for eNotes and is an enormous step forward for broader industry adoption.
Join Ian Benton, Sr. analyst, Small Business Digital Banking and Payments as he walks you through Javelin’s predictions for the Small Business Banking Industry. 

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