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
The Shift to Tech Companies Continues, but Banks Still Hold the Advantage
Fintechs and tech giants have become deeply embedded in the operations of small businesses, capturing incoming and outgoing payments, lending and more, and steadily pulling engagement away from traditional financial institutions. Yet the signal ...
Better Bank Switching: 3 Digital Priorities on the Path to Primacy
The complexion of bank switching has changed in the past decade, and customer stickiness is a harder factor to lock in. FIs need to take a broader view of what makes a successful bank switch and push to gain share of the customer’s wallet and mi...
Pitching Personal Loans With Purpose
Personal loans are not viewed by borrowers as generic lines of credit but rather as ways to meaningfully advance their lives. Banks have an opportunity to position themselves as approachable lenders by presenting unsecured personal loans in cont...
CDs Have a Role to Play in Personal Finance but Lack Digital Support and Engagement
Certificates of deposit aren’t obsolete; they’re underleveraged. Although a quarter of banked consumers hold CDs, most banks treat them as static products with minimal digital support. That gap represents a major opportunity for digital banking ...
Zelle for Business and the Race to Own Real-Time Payments
Nearly one-third of U.S. small businesses use Zelle in some capacity, yet many still do not view it as a true business payments platform on par with PayPal or Square. This report examines how businesses use Zelle today, where it fits within the ...
ChatGPT’s Plaid Partnership Moves AI’s Data-Driven Advice Outside the Bank
OpenAI’s announcement that ChatGPT Pro users can now connect their accounts to the service to bolster financial conversations lands squarely in an area of susceptibility for most banks and credit unions. Large language models like ChatGPT are de...
Why Banks Haven’t Sold Consumers on Account Aggregation—Yet
In theory, the consumer benefits of aggregating bank accounts are numerous, starting with one-stop, 360-degree oversight. And yet a remarkable number of consumers say they actually prefer to monitor their financial accounts one at a time, one ap...
Designing Gamification for Ongoing Digital Banking Engagement
Engagement with digital banking remains frequent but shallow, leaving significant value untapped by customers. Better gamification—designed around behavior, habits, and trust rather than novelty—can help change that dynamic. When applied thought...
Small Business Neobanks: 8 Ways They’re Beating Banks at Their Own Game
Neobanks may be easy to dismiss, serving a small share of newer, digitally native businesses, but that framing misses their real impact. They are repositioning digital banking around operational efficiency and rethinking how day-to-day financial...
Cash App P2P Lending and the Banking Liquidity Blind Spot
Cash App’s new feature that allows users to break P2P payments into short-term loans recognizes that short-term liquidity isn’t about traditional lending; it’s about meeting a moment of need with a proactive offer. Full-service banks, as it turn...