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Digital Banking Research

Reports

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...

2024 Digital Banking Scorecards: How to Make Every Login Count

Join Emmett Higdon, Mark Schwanhausser, and Dylan Lerner for a 45-minute review of the 2024 mobile and online banking scorecards, which rank 20 of the nation’s top financial institutions. 

Why Banks Need a Mobile Homepage Makeover to Drive Satisfaction and Engagement

A homepage that makes an app easier to understand and navigate is critical to mobile banking success. Search and virtual assistants will one day provide concierge-like navigation and service, but for now the best practice is to organize compleme...

Onboarding Small Businesses: Common Failures Lead to Missed Opportunities

For banks serving small businesses, securing a new checking account is rightfully celebrated as a win. However, many FIs stumble in the crucial post-application phase, failing to effectively onboard new users and position the bank as the first p...

How Social Media ‘Finfluencers’ Wedge Between Banks and Gen Z Customers

Gen Z’s eagerness to turn to “finfluencers” on Snapchat, TikTok, Instagram, YouTube, and other social media puts mainstream financial institutions and lenders in an entirely new game that they are ill-prepared to win. While traditional instituti...

Reimagining Branch Appointments for Digital-First Customers

To increase the odds of connecting with customers in person when it matters most, innovative banks are rethinking how they position their branches within digital banking. One trend is to position branches as a place for financial planning and gu...

2024 Mobile Banking Scorecard

Javelin Strategy & Research’s 18th annual Mobile Banking Scorecard looks at what’s new, what’s interesting, and what’s baffling with the mobile banking apps of 20 of the largest U.S. financial institutions. We rank these institutions based on 23...

2024 Online Banking Scorecard

With consumers increasingly demanding a 1-2 combination of simplicity and safety, U.S. Bank won Best in Class status in the online banking edition of Javelin Strategy & Research’s industry-leading annual digital banking annual scorecards. U.S. B...

How to Help Car Buyers Break the Cycle of Debt

Javelin’s case study compares two starkly different car buyers—one who builds car payments into their monthly budget for life, the other who breaks the cycle of debt by keeping cars longer and turning payments into savings. The financial fates o...

Sunsetting Secure Messaging? Get These 5 Things Right First

Secure messaging is at a pivotal point as banks and credit unions make the switch to chatbots and live chat. Because customers are accustomed to secure messaging but expect instantaneous service, financial institutions must strategically balance...

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