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
Identifying ‘Killer Use Cases’ in Small-Business Instant Payments
Instant payments are proliferating, and business bankers are searching for a set of “killer use cases” to drive widespread adoption. Many businesses are experimenting with instant payments, yet awareness among the broader market remains low and ...
Earned Wage Access: How Banks Can Do Better for Workers Facing a Cash Pinch
The Consumer Financial Protection Bureau dealt fintechs focused on earned wage access a blow when it issued an interpretive ruling that their products will be considered loans subject to the Truth in Lending Act. This would rebalance the playing...
The Boomers Are OK— and Shouldn’t Be Your Digital Banking Priority
Many banks and credit unions with aging customer bases worry they will alienate Baby Boomers by pouring investments into mobile-first banking to woo younger consumers. But mounting evidence suggests that digital strategists are safe—and wise—to ...
Six Alert Flaws That Banks Can Fix Today
Alerts enable banks to initiate meaningful digital conversations and entice customers to log in to learn, seek advice, and act. But a Javelin Strategy & Research analysis of eight major U.S. financial institutions shows that alerts remain diffic...
Youth Banking That’s Built for Parents
The industry is missing the mark with youth banking. Rather than standard free kid-size accounts, what parents really want is a youth program that provides a logical, incremental path to financial independence: saving before spending, managing c...
Credit Unions in Business Banking Part 2: The Path to Digital Maturity
Credit unions setting their sights on small-business banking face many obstacles, including the need to upgrade digital banking to serve the money management and financial health needs of business owners, expand product suites to support growing...
Credit Unions in Business Banking Part 1: An Industry Eyes Opportunities to Grow
Credit unions stand at a crossroads in business banking. As their consumer membership base gradually erodes, many are turning to business services as a lifeline for growth. But can these community-focused institutions truly compete with banking ...
Generation Z: Building Mobile Banking for a Generation in Transition
For Gen Z, primary FI relationships are more up for grabs than they were in 2022. These young, mobile-first consumers are showing signs of turning away from huge banks, are at higher risk of switching primary FIs, are looking increasingly to thi...
Open Banking: A Vision for Customer-Driven Data Management
For better or worse, the regulatory side of the house is driving open banking. A data management experience built by lawyers is guaranteed to fail with customers. As data sharing and management become more significant components of digital banki...
Embedded Lending: Banks Get a Second Chance to Stake a Claim
A market scan by Javelin Strategy & Research found that few banks and credit unions are active in embedded lending, leaving fintechs such as Affirm, Afterpay, Apple, Klarna, and PayPal to dominate a market that Javelin has previously forecast wi...