Small Business Digital Banking & Payments Research

Deliver tailored and innovative solutions to small businesses

Small businesses want the convenience of personal banking without the complexity of commercial banking. Leveraging Javelin's insights, banks and fintech providers can tailor digital banking and payments capabilities especially for this segment -- positioning themselves and their customers for success. 

This report is Part I in Javelin’s examination of the account opening vendor space. It provides an overview of the current state of the market and lays out our framework for measuring a vendor’s success. Part II, upcoming, will feature a scorecard...

2019 Small Business Digital Banking & Payments Trends

Javelin Report
Date: January 17, 2019
Author(s): Ian Benton, Jacob Jegher
Development in consumer digital banking accelerated during 2018, with several top banks rolling out engaging experiences incorporating advanced and engaging features like chatbots, personal finance tools, and more. Unfortunately, digital experiences...

Using Small Business Credit Cards as a Relationship Builder

Javelin Report
Date: December 20, 2018
Author(s): Ian Benton, Jacob Jegher
In today’s highly competitive acquisition arena, deposit growth has slowed and organizations are looking for strategies to attract and retain profitable relationships. Market indicators show that the benefit of key services, such as those offered...

South Dakota v. Wayfair Inc.

Javelin Report
Date: October 16, 2018
As digital commerce has developed over the past 30 years, the Supreme Court of the United States (SCOTUS) has twice ruled on the issue of taxation. Most recently, a June 21, 2018 ruling in South Dakota v. Wayfair Inc. now allows a state to collect...

New Small Business Neobanks Hit the Market

Javelin Report
Date: October 9, 2018
Author(s): Ian Benton, Jacob Jegher
In May 2018, Javelin published an overview of the nascent market of small-business-focused neobanks — fintech companies that have built a branchless, mobile-first feature set for business owners while partnering with chartered banks to hold deposits...
This report revisits the themes found in Javelin’s 2016 report “Overhauling Mobile Banking for Small Business: Moving Beyond Consumer-Focused Features.” This update of small business mobile banking was undertaken because of the widespread use of...

Innovative Small Business Startups: A Look at Four Companies

Javelin Report
Date: September 17, 2018
Author(s): Ian Benton, Jacob Jegher
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...
This report examines the trends that have given rise to this industry, profiles in detail the key players, and explores why banks serving small businesses should take note.
This report examines how FIs looking to earn a greater share of financial products and encourage consolidation at the primary FI can design digital banking services and marketing to best target their most attractive small business customers...

2018 Digital Lending Trends

Javelin Report
Date: March 1, 2018
Author(s): Al Pascual
While most areas in retail banking have embraced the power of going digital, lending has been a clear laggard.  It is only over the last few years that lending has truly embraced the digital revolution. Spurred by threats from alternative...

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