Digital Lending Practice Area

Optimize the stages of consumer lending with digital technology

Technology is reshaping the expectations and experiences of borrowers. Customers are being influenced by an ever-broadening set of digital interactions. As a result, expectations as to the quality and immediacy of the borrowing experience are rising. Javelin Strategy & Research provides strategic insights to clients who want to exceed the expectations of borrowers, helping them deliver a world-class digital lending experience.

With six-figure annual household incomes and access to appreciating as well as income-producing assets, the mass affluent present an attractive target for traditional and nontraditional lenders alike. However, the segment’s comfort with technology...
All signs point to an auto lending industry that is on the mend.  As the economy has improved and consumer confidence has returned, auto loans have been on the rise and financial institutions (FIs) are benefitting. With the emergence of new...
The Consumer Financial Protection Bureau recently finalized a new rule governing the underwriting of certain short-term loans, notably payday loans. These loans are most frequently provided by local payday lenders, often at extremely high interest...

2018 Digital Lending Trends

Javelin Report
March 1, 2018 By: Al Pascual, James Wilson
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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