Javelin Research

Digital Strategies for Direct Auto Lending

Javelin Report
Date: March 11, 2021
Author(s): Austin Kilgore
Research Topic(s): Digital Lending
The digital direct channel offers a compelling alternative to traditional indirect auto finance. But auto lenders seeking to establish a presence in the digital direct channel will find an already crowded field of nonbank fintech lenders, one-stop...

SolarWinds Shines Light on Emerging APT Risks

Impact Note
Date: March 10, 2021
Author(s): Alexander Franks
Research Topic(s): Fraud & Security, Cybersecurity
The recovery process from December’s SolarWinds attack is just beginning. Financial institutions got off easy this time, but now must take immediate action to mitigate insecurity from this attack and strengthen their security posture in anticipation...
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...

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