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
2027 Digital Banking Trends
Financial institutions enter 2027 confronted with a daunting competitive reality: Consumers increasingly turn to AI platforms for financial guidance before consulting their banks. While banks retain powerful advantages in customer trust, transac...
2027 Digital Lending Trends
Digital lending is entering a new competitive era, and success will hinge less on who offers credit and more on who owns the customer relationship when (and before) borrowing intent comes clear. For years, financial institutions directed the fin...
2027 Small Business Banking Trends
Small business banking faces a rapidly evolving set of threats in 2027. Fintechs and neobanks are expanding their reach, general-purpose AI platforms are challenging banks’ role in financial management, and fraudsters are using AI to launch incr...
As Fintechs Grow Share of Mind, FIs Must Respond with Superior Experiences
A decade after the latest crop of neobanks took root, traditional financial institutions find themselves in an interesting position. The direct competitive threat from these challengers hasn’t fully coalesced, but what neobanks do well cannot be...
Consumers Are Asking AI About Money While Banks Remain Outside the Conversation
Nearly a third of consumers have asked a chat-based AI tool about their personal finances in the past 30 days. This indicates that a seismic shift in where consumers turn for financial guidance is already underway. Financial institutions still h...
Internal Embedded Lending: The Digital Opportunity FIs Have in Their Own Backyards
In a departure from embedded lending that takes place at the point of sale or outside the authenticated banking experience, financial institutions can use their proximity to and knowledge of active customers to embed lending at appropriate momen...
Fintechs and Neobanks Upend the Business Banking Landscape with Charter Applications and Bank Acquisitions
A wave of bank acquisitions and charter applications is upending the competitive landscape in small business banking. In September 2026 alone, Revolut received conditional approval to establish a U.S. national bank and Valley National Bank agree...
Security vs. Convenience: A Framework for Balancing Digital Banking Friction
Balancing security and convenience is one of the most difficult and important tightrope walks in digital banking. FIs don’t need to neglect security or overhaul digital banking to offer easier customer experiences, but they need to ensure that t...
Trends in Account Opening: Mobile Leads, but Seamless Channel Handoffs Close the Deal
Mobile remains the primary digital channel for account opening, but digital account opening is still far from a digital-only experience. Applicants continue to move among mobile, online, and branch channels throughout the journey, with branches ...
Raising the Ceiling: How Banks Can Retain Business Customers As They Grow
Small businesses are developing more sophisticated financial needs earlier in their growth, but traditional banking models still force them into a choice between small business and commercial platforms. Banks and credit unions have an emerging o...