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
Near-Prime Lending: The Role of Alternative Data and AI
This report will examine the characteristics of the segment of subprime borrowers classified as “near-prime” and why they struggle to obtain affordable credit. We will also explore new technologies and alternative approaches to assessing creditw...
Finding Digital Success Amid Shifting Lending Markets
Digital lending capabilities are rapidly advancing to meet growing consumer expectations of a seamless process. The following is an overview of key developments and emerging trends across the mortgage, auto, student and personal lending landscap...
Enhanced Credit Scores
Enhancing credit scores with alternative data promises to fill a significant gap in the relevant information available to lenders to evaluate credit applicants, providing a broader view into consumer payments behavior and potentially enabling mi...
Agile Mortgages Case Study: Atlantic Home Loans
This original report, sponsored by AI Foundry, explores the role that intelligent automation is playing in transforming mortgage processing at Atlantic Home Loans.
This research report was independently produced by Javelin Strategy & Researc...
Implementing Payment Card Controls through a Customer Financial Engagement Strategy
Join Krista Tedder and Mark Schwanhausser as they examine the challenges and rewards of launch card controls.
Maximizing the Primary Financial Relationship: Strategies for Being Borrowers’ First and Last Stop in the Era of Digital Lending
This original report, sponsored by Finastra, explores the relationship between primary bank status and the propensity for a consumer to borrow, including with the reasons why a primary bank may not be the first stop for existing customers o...
Technology in First-Party Collections: Improving Engagement to Bring and Keep Borrowers Current
The impact of borrowers’ defaulting on their debts can be detrimental for both borrowers and lenders; the lenders because they face significant costs in collections associated with each loan and the borrowers because it could take a toll on thei...
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 ...
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...