Digital Banking
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
Grading the Big-Tech Threat: How Banks Stack Up Against PayPal, QuickBooks, Shopify, and Square
This report details what small-business banking products are offered by big fintechs, analyzes feature strengths and weaknesses in relation to offerings by traditional financial institutions, and underlines the very real threat posed to traditio...
From Chatbots to Virtual Assistants and Generative AI: What’s Next in Digital Banking Automation
Join Javelin Strategy & Research’s Digital Banking Director, Emmett Higdon, as he shares consumer insights into what delights and frustrates them about automated interactions.
Plastic Surgery, Start-Ups, Motorcycles, Crypto, EVs: What’s Ahead for Specialist Lenders
During the pandemic, specialist fintech lending caused long faces at big banks by seizing share. Five percent of Gen Zers and Gen Xers took out loans for plastic or cosmetic surgery. Boat loan applications accelerated 355%, while those seeking l...
How Digital Features Can Set Business Credit Cards Apart
Financial institutions typically peddle credit cards based on commoditized factors, not digital features, and are missing out on opportunities because of this. Rather than leaning on things like rewards programs, cash-back bonuses, annual percen...
How Banks Can Help Make Taxes Less Taxing
Tax chores never seem to get any easier. Thanks to new digital banking tools, banks and credit unions have compelling opportunities to create engaging, year-round tax experiences that coach, guide, and advise customers while also building deeper...
Branch/ATM Locators: Building Satisfying Digital-to-Physical Pathways
Even as the role of the bank branch changes—moving away from basic transactional functions to more complex financial matters—customers’ ability to find the branch they need and the information they’re seeking has never been more important. Banks...
Emergency Money: Why There’s a Flood of Small-Dollar Loans and Secret Accounts
Too-little-too-late early payday solutions and short-term, small-dollar loans, motivated by pressure around overdraft fees or charges for non-sufficient funds (NSFs), are outpacing emergency savings programs. Javelin Strategy & Research has foun...
Mortgage Pandemic or Just the Sniffles: Fast-Track Cures and Long-Haul Boosters
This report forecasts emerging variants in home lending, describes new hybrid (digital plus human) relationships, and prescribes digital-first options and tech-enabled remedies to capture leads and market share, boost conversion, and help ailing...
Student Loan Debt Is a Big Blind Spot in Financial Fitness
Banks and credit unions can play a crucial role in the financial lives of student loan accountholders, regardless of whether the institutions themselves issue student loans. And for FIs to advance along Javelin Strategy & Research’s Digital Matu...
2023 Digital Banking & Digital Lending Trends
As we brace for a tumultuous year setting up against the troubling economic backdrop, there will be a lot to consider for digital strategists. Join Mark Schwanhausser, Emmett Higdon, Babs Ryan, and Ian Benton as they discuss implications for dig...