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Digital Banking Research

Reports

4 Key Lessons Banks Can Learn from Non-Banking Apps

Financial institutions are getting people into their apps, evidenced by the mobile channel’s status as the workhorse of banking. The problem is, customers aren’t staying for more than a “log in, log out” experience that typically is transactiona...

2023 Mobile Banking Scorecard

Javelin’s 17th 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 more than 250 criteria...

2023 Online Banking Scorecard

The 2023 Online Banking Scorecard from Javelin Strategy & Research underscores that success in digital banking now is as much about winning “share of mind” as “share of wallet." Each of the top 20 retail financial institutions made moves to rais...

Grading the Big-Tech Threat: How Banks Stack Up Against PayPal, QuickBooks, Shopify, and Square

This report details what small-business banking products are offered by big fintechs, analyzes feature strengths and weaknesses in relation to offerings by traditional financial institutions, and underlines the very real threat posed to traditio...

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...

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