Leverage digital technology to bring better experiences to your customers
The future of digital lending is a continued march toward faster, less-intrusive customer experiences and more efficient back-office operations for lenders and servicers. Javelin’s careful, thorough research identifies existing pain points, coming opportunities, and useful insights as lenders plot their digital futures.
Digital Lending Research
Reports
Beyond Auto Loans: Opportunities for Lenders to Own the Car Buying Journey
Banks and credit unions in the auto financing market are under threat. Digitalization has profoundly refashioned how consumers shop for cars, line up financing, and pay off their loans. Javelin’s analysis shows that financial institutions engage...
Managing Debt Wisely: An Untapped Opportunity for Digital Banking Engagement
Although most consumers carry some form of debt, Javelin’s examination of digital banking at large U.S. banks shows that traditional financial institutions generally do not treat debt management as an opportunity to engage customers and build tr...
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...
2025 Javelin Trends Webinars
Diving into the digital financial services trends and predictions our experts see coming in 2025.
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,...
Earned Wage Access: How Banks Can Do Better for Workers Facing a Cash Pinch
The Consumer Financial Protection Bureau dealt fintechs focused on earned wage access a blow when it issued an interpretive ruling that their products will be considered loans subject to the Truth in Lending Act. This would rebalance the playing...
Embedded Lending: Banks Get a Second Chance to Stake a Claim
A market scan by Javelin Strategy & Research found that few banks and credit unions are active in embedded lending, leaving fintechs such as Affirm, Afterpay, Apple, Klarna, and PayPal to dominate a market that Javelin has previously forecast wi...
How Social Media ‘Finfluencers’ Wedge Between Banks and Gen Z Customers
Gen Z’s eagerness to turn to “finfluencers” on Snapchat, TikTok, Instagram, YouTube, and other social media puts mainstream financial institutions and lenders in an entirely new game that they are ill-prepared to win. While traditional instituti...
How to Help Car Buyers Break the Cycle of Debt
Javelin’s case study compares two starkly different car buyers—one who builds car payments into their monthly budget for life, the other who breaks the cycle of debt by keeping cars longer and turning payments into savings. The financial fates o...
Beating the Fintech Mortgage Influencers: How FIs Can Prevail
To navigate the complex homebuying process, shoppers commonly seek guidance from non-bank influencers such as real estate agents, lending marketplaces, and digital lenders. Javelin Strategy & Research analyzed eight leading mortgage fintechs wit...