Javelin Research

The Cloud Conundrum: Banks Balance Customer Privacy and Business Efficiency

Javelin Report
Date: May 21, 2019
Author(s): Sean Sposito
This report outlines the types of cloud services FIs are adopting, as well as the perceived security threats that accompany such applications.

Silicon Valley Takes on Business Banking

Javelin Report
Date: April 30, 2019
Since 2011, Javelin has tracked consumers' perceptions of the "Gang of Five" – Apple, Google, Amazon, PayPal, and Facebook – and how these technology firms compare with banks in terms of trust, innovation, and partnership in the success of their...
This paper highlights why cash payments are becoming more relevant, market use cases that need to be solved in the next three years, and emerging technology capabilities that will make an impact in the United States.

RSA Conference: Innovation in a Sea of Booths

Javelin Report
Date: April 15, 2019
Author(s): Sean Sposito, Kyle Marchini
This report spotlights several new and innovative vendors based on a select set of criteria. The firms had to have marketed themselves to financial services clients; be considered an early-stage company (no more than B-Series funding); offer an...

Maximizing Digital Onboarding Efficiency

Javelin Report
Date: April 11, 2019
Author(s): Emmett Higdon
Banks have invested heavily to create seamless account-opening flows that move across lines of business and digital channels. Such efforts have dramatically reduced abandonment and lifted the percentage of new accounts opened through digital...

Enhanced Credit Scores

Javelin Report
Date: March 28, 2019
Author(s): Al Pascual
Enhancing credit scores with alternative data promises to fill a significant gap in the relevant information available to lenders to evaluate credit applicants, providing a broader view into consumer payments behavior and potentially enabling...
This case study of Wells Fargo's Control Tower demonstrates an early attempt at empowering consumers to (1) know where and how their financial information is being used in and outside digital banking, and (2) manage access to that information, in...

Better Mobile Banking Comes Before 5G 

Javelin Report
Date: March 25, 2019
Author(s): Emmett Higdon
5G is the next generation of cellular technology, an ultra-high-speed wireless standard that will, in theory, offer mobile data speeds of up to an order of magnitude faster than today’s fastest connections and virtually instantaneous response times...
Payment modernization is advancing faster globally than in the U.S. to solve market challenges of transparency and accessibility. Payment companies have been extending real-time and instant payments in different parts of the world for 30 years,...

The Small Bank Security Leadership Shortage

Javelin Report
Date: March 14, 2019
Author(s): Sean Sposito, Al Pascual
When questioned about their top priorities, security professionals inside small banks and credit unions often cite, protecting their retail banking clients. But when compared to their larger peers, they are generally less prepared to do so. At least...


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