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Digital Banking Research

Reports

Data Snapshot: The Nature of Work Is Changing

In these post-pandemic times, 38% of American professionals now engage in freelance work and must manage their complex financial lives with digital features and tools that are better suited for traditional employment. This report—part of the Dig...

Ongoing Onboarding: The Key to Deeper Customer Relationships

To deepen digital engagement beyond glance-and-go activities like reviewing balances, digital banking strategists must rethink how to onboard customers over the long haul. Javelin’s four-stage relationship deepening model maps out an ongoing onb...

1033 in Small Business Banking: Dig In or Go on the Offensive?

Banks with small-business customers face a choice as they comply with the consumer data-sharing dictates of Section 1033: check the regulatory box or go big, treating Section 1033 as a catalyst for transformation that extends these capabilities ...

2025 Digital Banking Trends

Join Mark Schwanhausser, Emmett Higdon, and Dylan Lerner as they delve into the trends shaping Digital Banking in 2025. From evolving customer expectations to groundbreaking innovations, discover what’s next for the industry and how to stay ahea...

Grading Today’s Chatbots: Persistent Shortcomings Limit a Mobile Necessity

Although 18 of the top 20 U.S. banks have a chatbot, they continue to fail at providing meaningful answers to customers beyond simple requests, significantly hindering their ability to become trusted customer service options. A Javelin Strategy ...

2025 Digital Banking Trends

Digital banking strategists will be in the hot seat in 2025 to contribute more to profitability, turn falling interest rates into a positive story for savers and investors, and accelerate the development of virtual assistants.

2025 Digital Lending Trends

The pressure will mount in 2025 for traditional lenders and the vendors that serve them to make foundational strides in using digital channels to win share of mind that leads to share of wallet, apply artificial intelligence even at smaller FIs,...

2025 Small Business Banking Trends

It would be impossible to discuss the major trends in business banking for 2025 without highlighting cash-flow tools, generative AI, and real-time payments. Javelin Strategy & Research has written about all three topics extensively, and this rep...

Identifying ‘Killer Use Cases’ in Small-Business Instant Payments

Instant payments are proliferating, and business bankers are searching for a set of “killer use cases” to drive widespread adoption. Many businesses are experimenting with instant payments, yet awareness among the broader market remains low and ...

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