Javelin Research

Opening Accounts via Branch, Online and Mobile: The How, When and Why?

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Date: August 7, 2013
Author(s): Mark Schwanhausser
Research Topic(s): Payments
Digital account opening has grown by leaps and bounds in a few short years, reaching over 88.5 million Americans opening an account online or with a mobile device.

Virtual Currencies and Bitcon: Crossing to the Physical Chasm

Javelin Report
Date: July 25, 2013
Research Topic(s): Payments
Virtual currency has evolved far past its humble beginnings as an in-game currency. The more than 47 million adult virtual currency users purchased $4.65 billion worth of virtual currency in 2012, and spend on virtual currencies is expected to more...

Mobile Banking and Branches Working Together for $1.5B in Cost Savings

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Date: July 25, 2013
Research Topic(s): Mobile & Online Banking
While rising adoption of digital technologies alters the branch-based distribution model, there are many cost saving opportunities for FIs that enhance the experience for mobile bankers.
The fact that 88.5 million Americans attempted to open an account online or with a mobile device in the past 12 months underscores how far digital account opening has come in a few short years. Nonetheless, its potential remains largely untapped,...
In 2012, online retail payments reached 7.4% ($318 billion) of all retail transactions. The thriving online market is an increasing target for fraudsters, particularly with EMV, or “Chip and PIN,” expected to significantly curtail card fraud at the...

Not all Data Breaches are Created Equal

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Date: July 10, 2013
Research Topic(s): Fraud Management
With an average of 135 data breaches occurring each month in 2012, Javelin explored the link between data breaches and fraud and found that over 50% of fraud victims were also data breach victims in 2012.
Mobile bankers are valuable customers: rich, young, and flush with profitable bank products and services. The products and services are saving financial institutions money — as the number of mobile bankers has grown, branch visitation has decreased...

Move over Checking Fees: New Prepaid Products Are Redefining the Space

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Date: June 12, 2013
Research Topic(s): Payments
Consumer ownership of prepaid cards has climbed rapidly in the past few years and prepaid cards are now found in the wallets of 13% of all U.S. adults.

Cash, Check or Mobile POS?

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Date: May 29, 2013
Research Topic(s): Mobile & Online Banking
Mobile POS (point of sale) acceptance is posing a growing threat to traditional terminal based solutions and vendors providing the existing functionality of a terminal at lower processing fees and easier application processes.
Contemporary research on the financial impact of data breach events has focused on costs to businesses and institutions, but largely ignored their effect on the consumers whose personally identifiable information (PII) is compromised. This report...

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