Javelin Research

Bitcoin — and by extension its blockchain — has captivated the financial industry. On paper, a private version of the virtual currency’s distributed ledger technology (DLT) could be a common-sense replacement for an array of traditional networks...
Javelin’s latest Future Trends report is making a notable departure from previous editions. We want our clients to be alerted to upcoming trends over a longer time horizon to be better prepared to address these challenges and opportunities. The...
In what has become a classic story in the financial technology space, the start-ups that were born out of a professed desire to disrupt the banking industry have evolved to rely on and partner with incumbents for distribution, access to investment...
Partnerships between banks and fintech are not new, but they have recently surfaced as a major industry trend. What’s different this time around is the surge in the number of competent start-ups and software vendors on the scene, and banks are...
The mobile channel can facilitate nearly any type of consumer payment, often with greater convenience than before. This has attracted a growing legion of dedicated users, yet wherever legitimate payments begin to flourish fraud is soon to follow —...
Digital banking fails whenever customers must reach for paper, pencil, and calculator. Worse, it happens all too commonly in the course of tackling basic chores such as paying a bill or moving money — especially for customers who live paycheck to...
For many years, cable television was the sole provider of in-home entertainment for most Americans. With the arrival of streaming services such as Netflix and Hulu, consumers permanently shifted their viewing habits to the convenience of on-demand...
The traditional card networks have long dominated modern commerce, providing a safe and hassle-free shopping experience. They have blazed the trail for payment acceptance in new channels (online and mobile), new geographies (Europe, Asia), and even...
The growth of connected devices, better known today as the Internet of Things (IoT), is accelerating at an unbelievable rate. By 2020 there will be more than 50 billion connected devices (6.6 per person on the planet), up from just under 23 billion...
FIs are understandably focused on mining customer data to cross-sell products and deliver an immediate return on investment, yet offers too often are poorly targeted and therefore put off customers who are weary of “the pitch.” Though bankers will...

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