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2024 Trends & Predictions
Javelin’s Trends & Predictions reports look at the coming year across the range of Javelin Strategy & Research’s practice areas—digital banking, fraud & security, payments, and wealth management—and highlight the compelling challenges and opportunities likely to emerge.
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2024 Trends & Predictions: Digital Wealth — Advisor
- Javelin Report
- Date: November 7, 2023
- Authors: William Trout, Greg O'Gara, Disha Bheda
- Research Topic(s): Wealth Management, Digital Wealth
Modern wealth management is undergoing a transformation driven by artificial intelligence. These new tools and analytics are shifting the advice proposition from one of service homogeneity to hyper-personalization. Further, the world of the inve...
2024 Trends & Predictions: Digital Wealth — Investor
- Javelin Report
- Date: November 7, 2023
- Authors: William Trout, Greg O'Gara, Disha Bheda
- Research Topic(s): Wealth Management, Digital Wealth
Artificial intelligence and machine learning are infiltrating all aspects of investing, with a profound impact on the data, tools, and platforms used by self-directed investors and those with traditional advisory relationships. This Javelin Stra...
2024 Trends & Predictions: Tech & Infrastructure
- Javelin Report
- Date: November 7, 2023
- Authors: Matthew Gaughan , James Wester
- Research Topic(s): Tech & Infrastructure
A new wave of investment is coming to payments technology and infrastructure. In the year ahead, and beyond, look for the concept of “payment modernization” to take on greater definition and form as financial institutions grapple with a host of ...
2024 Trends & Predictions: Digital Assets & Crypto
- Javelin Report
- Date: November 7, 2023
- Authors: Joel Hugentobler, James Wester
- Research Topic(s): Digital Assets & Crypto
The world of digital assets and cryptocurrencies seems poised on the precipice of realizing more of its promise. Central banks continue dipping their toes into digital currencies, stablecoins are undergoing further development, testing, and depl...
2024 Trends & Predictions: Emerging Payments Technology
- Javelin Report
- Date: November 7, 2023
- Authors: Christopher Miller
- Research Topic(s): Emerging
The Javelin Strategy & Research lookahead at the trends in emerging payments for 2024 and beyond brings into focus three areas that have already been the subject of much speculation. In the years ahead, look for generative AI—in many ways the te...
2024 Trends & Predictions: Merchant Payments
- Javelin Report
- Date: November 7, 2023
- Authors: Daniel Keyes
- Research Topic(s): Merchant
It’s an ever-evolving world of payments and payment options for merchants, whether they conduct business from a fixed location or in e-commerce. The dizzying array of options can be overwhelming to merchants of any size, but especially to small ...
2024 Trends & Predictions: Prepaid Payments
- Javelin Report
- Date: November 7, 2023
- Authors: Jordan Hirschfield
- Research Topic(s): Prepaid
Issuers of prepaid products face many opportunities to refine their offerings in the coming years, including sharpening the commitment to and messaging about going green, looking to mass markets for chances to better connect with purchasers and ...
2024 Trends & Predictions: Debit Payments
- Javelin Report
- Date: November 7, 2023
- Authors: Elisa Tavilla
- Research Topic(s): Debit
Consumers have been accustomed to making easy payments however they shop, whether in physical stores or online. That growing appetite for immediate, easy-to-execute payments will drive new use cases now that real-time payments are more widely av...
2024 Trends & Predictions: Credit Payments
- Javelin Report
- Date: November 7, 2023
- Authors: Brian Riley
- Research Topic(s): Credit
These are challenging times for the issuers of credit cards, the most common form of unsecured debt in the United States. With more than $1 trillion in revolving debt and $4 trillion in transaction throughput, the credit card industry must prepa...
2024 Trends & Predictions: Commercial & Enterprise Payments
- Javelin Report
- Date: November 7, 2023
- Authors: Albert Bodine
- Research Topic(s): Commercial & Enterprise
The increasing acceptance of card payments for payables, instant payments’ reach into cross-border business transactions, and the ongoing attempts to eliminate or curtail paper checks in business payments are catching the eye of Javelin Strategy...
2024 Trends & Predictions: Fraud Management
- Javelin Report
- Date: November 7, 2023
- Authors: Tracy Kitten, Suzanne Sando, Kevin Libby
- Research Topic(s): Fraud & Security, Fraud Management
Financial institutions are under Increased pressure to protect their customers and members from fraud while maintaining new account growth and revenue. In 2024 and beyond, much of the effort will center on mitigating fraud perpetrated against na...
2024 Trends & Predictions: Cybersecurity
- Javelin Report
- Date: November 7, 2023
- Authors: Tracy Kitten, Suzanne Sando, Kevin Libby
- Research Topic(s): Cybersecurity, Fraud & Security
Corporate belt-tightening and a scary economy for consumers will keep digital banking strategists keenly focused on improving access to digital customer service and building engagement and trust with financial fitness in 2024 and beyond. But ban...
2024 Trends & Predictions: Digital Banking
- Javelin Report
- Date: November 7, 2023
- Authors: Mark Schwanhausser, Emmett Higdon, Ian Benton, Dylan Lerner, Gregory Magana, Lea Nonninger
- Research Topic(s): Digital Banking, Digital Strategy & Experience, Mobile & Online Banking
Corporate belt-tightening and a scary economy for consumers will keep digital banking strategists keenly focused on improving access to digital customer service and building engagement and trust with financial fitness in 2024 and beyond. But ban...
2024 Trends & Predictions: Digital Lending
- Javelin Report
- Date: November 7, 2023
- Authors: Mark Schwanhausser, Emmett Higdon, Ian Benton, Dylan Lerner, Gregory Magana, Lea Nonninger
- Research Topic(s): Digital Banking, Digital Lending
The outlook in digital lending in the year ahead will focus on three key areas: the prospect of regulatory clarity on popular products such as buy now, pay later loans and earned wage access; the impact on student loan borrowers—and financial in...
2024 Trends & Predictions: Small Business Banking
- Javelin Report
- Date: November 7, 2023
- Authors: Mark Schwanhausser, Emmett Higdon, Ian Benton, Dylan Lerner, Gregory Magana, Lea Nonninger
- Research Topic(s): Digital Banking, Small Business
For the small-business banking sector, the road ahead in 2024 and beyond calls for seizing opportunities while being cautious about the challenges inherent in an uncertain economy. Generative AI captured the public’s fancy in 2023, and the comin...
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