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Digital Banking Research


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

  • Javelin Report
  • Date: April 11, 2023
  • Author(s): Babs Ryan
  • Research Topic(s): Digital Lending
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

  • Javelin Report
  • Date: February 2, 2023
  • Author(s): Babs Ryan
  • Research Topic(s): Digital Lending
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

  • Javelin Report
  • Date: December 15, 2022
  • Author(s): Babs Ryan
  • Research Topic(s): Digital Lending
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...

2023 Digital Banking Trends & Predictions

An overview of three trends that will be critical for the banking industry to address in the coming year.

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