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Digital Banking Research


2022 Digital Banking Trends & Predictions

The traditional definition of “financial relationship” has changed forever. For banks to adjust to this change and deepen their connections with customers, they will have to embrace new ways of defining those relationships, speed their evolution...

Digital Strategies to Empower Small Businesses Against Fraud

In this report, a companion piece to Three Priorities for Countering Fraud Against Small Businesses, Javelin outlines why small businesses are uniquely susceptible to fraudulent activity, and provides a detailed framework for how banks can deput...

What’s Next for Digital and Remote Loan Closings?

  • Javelin Report
  • Date: November 30, 2021
  • Author(s): Austin Kilgore
  • Research Topic(s): Digital Lending
Roughly 20 years after the advent of eNotes in the mortgage industry, fully paperless loans still account for only a small fraction of overall volume. The fact is, digital closings offer many advantages over traditional in-person, on-paper closi...

2022 Small-Business Digital Banking & Payments Trends & Predictions

The banks that succeed over the next decade and remain relevant against increasing nonbank competition are the ones that will build a personalized, omnichannel experience that helps solve the most pressing issues for small-business clients: gett...

2022 Digital Lending Trends & Predictions

  • Javelin Report
  • Date: November 15, 2021
  • Author(s): Austin Kilgore
  • Research Topic(s): Digital Lending
After spending the pandemic years shoring up processes and capabilities to keep business moving, lenders can now pivot toward greater efficiency and borrower insight and allow for finding a place among the many upstarts in the marketplace. Nimbl...

Mobile Banking Maturity Path: From Transactions to Trusted Partner

Banks are largely stalled at the midpoint of their mobile evolution. Javelin’s Mobile Maturity Path plots a way for financial institutions to move their mobile apps from merely functional to a place where they’re central to the customers’ financ...

Digital Lending Maturity Path

  • Javelin Report
  • Date: October 20, 2021
  • Author(s): Austin Kilgore
  • Research Topic(s): Digital Lending
Big-ticket loans, such as those for cars and houses, have traditionally involved a lot of costly and time-consuming front-end work by financial institution staffers on behalf of prospective borrowers, followed by laborious underwriting processes...

Digital Mortgage & eNote Test Drive

  • Advisory Webinar: Client Login Required
  • Date: October, 2021
  • Author(s): Austin Kilgore
  • Research Topic(s): Digital Lending
Join Austin Kilgore, Director of Digital Lending at Javelin Strategy & Research for an in-depth discussion about the key findings from one such “Test Drive” – a chronicle of how a complete loan process played out.

Auto Lenders to Face Challenges in Shift to Build-to-Order Car Buying

  • Impact Note
  • Date: September 22, 2021
  • Author(s): Austin Kilgore
  • Research Topic(s): Digital Lending
Third-party auto lenders must accelerate their adoption of digital touchpoints to remain relevant with consumers and manufacturers migrating toward a build-to-order car buying experience. This market shift makes it paramount for lenders to offer...

Banking on Artificial Intelligence: AI’s Role in the Future of Digital-First

Digital banking experiences need to be ubiquitous, engaging and frictionless. But to what extent does the experience need to be insightful, intuitive and intelligent, too? The answer might seem obvious. Yet, uncertainty remains around how best t...

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