We can help you leverage digital channels to enhance your customers’ experience
Evolving customer-demands and digital-native providers encroaching on the turf of traditional banks are fueling the paradigm shift towards seamless digital channels. Javelin's digital banking research team tracks industry trends and anticipates what’s next and delivers actionable advice that guides our clients—and benefits their customers. Javelin’s rich data and unbiased insights can help financial institutions deliver experiences that are satisfying to consumers and build trust and lasting relationships.
Digital Banking Research
Reports
Equity Sharing: A New Approach for Financing Homeownership and Accessing Equity
This report introduces a relatively new breed of home financing/refinancing products that represent a significant departure from debt arrangements historically associated with homeownership – e.g., home mortgage and home equity line of credit (H...
Mortgage Mobilification: Building the Mobile Mortgage Experience
The trend toward digital banking is making its mark in the mortgage space. Digital mortgages have the potential to save consumers and lenders significant time and expense, decreasing closing costs and freeing up personnel from paper-intensive ...
The ‘Big Bang’ of Mobile Banking Adoption Is Over: Digital Banking Forecast 2021
Javelin’s 2021 forecast shows that growth in monthly mobile banking adoption is tapering off and will remain far short of adoption of online banking for years into the future.
Mass Affluent Borrowers: They Want Digital and They Want it Now
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 technolo...
South Dakota v. Wayfair Inc.
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 colle...
All Eyes On Bank of America's Virtual Assistant
Bank of America first announced its ambitious plans for a mobile banking virtual assistant in the fall of 2016. Dubbed “Erica,” the bank’s assistant ultimately took more than two years of development to reach customers. Erica went live in selec...
2018 Mobile Banking Scorecard: Tactical Tweaks Take Priority Over Strategic Enhancements
Javelin’s 2018 Mobile Banking Scorecard seeks to help financial institutions lay out a strategic road map that leads to deeper engagement and more lasting customer relationships. It provides a data-driven assessment of more than 200 mobile featu...
New Small Business Neobanks Hit the Market
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 depo...
Small Business Mobile Banking: A Priority Map for Feature Leadership
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...
Chase’s Finn App Aims to Make Financial Fitness a Lifestyle
Chase and Wells Fargo have unveiled mobile banking apps this summer that are innovative, provocative, and inherently risky experiments. In the first of two case studies, Javelin examines Chase’s Finn app, released in June, to be followed by a lo...