Emmett Higdon

Director, Digital Banking

Emmett helps banks, fintechs, and vendors define and leverage the evolving role that digital channels play in how consumers select, connect, and manage their financial accounts. He works with both institutions and vendors to transform the digital experiences they deliver to ensure that they meet customers’ growing expectations. His ongoing work provides actionable insight into consumers interest in and adoption of mobile banking, digital sales and onboarding, artificial intelligence and chatbots, open banking, and more. 

With more than 25 years’ experience in digital financial services, Emmett combines strategic industry perspective with annual consumer insights to help clients craft effective, actionable engagement and transformation strategies. 

Prior to joining Javelin, Emmett was a senior director of mobile strategy for TIAA, a senior analyst with Forrester Research, and a vice president of digital money movement with Citibank. 

He holds an MBA in marketing from Loyola University and a bachelor’s degree in The Writing Seminars from The Johns Hopkins University. 

He is based in Hilton Head Island, SC.

Latest Insights

November, 2025
Javelin Report
2026 Small Business Banking Trends

Small businesses have always straddled two worlds. They expect the simplicity of consumer banking but often need the personalization and sophistication of corporate solutions. A tu...

November, 2025
Javelin Report
2026 Digital Lending Trends

The expectation of interest rate cuts in 2026 will trigger a historic game of catch-up for tradition-bound lenders that have failed to keep pace with savvy FIs and “refi-ready” fin...

November, 2025
Javelin Report
2026 Digital Banking Trends

This will be a year in which the industry’s attempts to add investing capabilities, boost digital sales, and simplify money movement will expose deep digital weaknesses and challen...

Events

June 13, 2022 | 07:00 AM to 09:00 PM (CST)
Where the banking community connects and collaborates to address the industry’s most pressing issues...
September, 2021
Join Javelin’s Digital Banking Director, Emmett Higdon, as he shares insights on digital banking’s c...

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