Leverage digital technology to bring better experiences to your customers

The future of digital lending is a continued march toward faster, less-intrusive customer experiences and more efficient back-office operations for lenders and servicers. Javelin’s careful, thorough research identifies existing pain points, coming opportunities, and useful insights as lenders plot their digital futures.

Digital Lending Research


The Digital Lending Landscape for Newcomers to the U.S.

Every year, millions of people from around the globe legally enter the United States but struggle to line up banking and lending services because they lack standard documentation, credit histories, or credit scores. This has left the door open f...

2024 Trends & Predictions: Digital Lending

The outlook in digital lending in the year ahead will focus on three key areas: the prospect of regulatory clarity on popular products such as buy now, pay later loans and earned wage access; the impact on student loan borrowers—and financial in...

Loan Education: Not Ready for the Mobile-First Era

Although banks provide a wealth of financial education on loans on their public websites, they integrate little of the content, calculators, and other features in digital banking for easy access once customers log in. This effectively treats cus...

The Credit-Building Pathway: Banking's Opportunity for a Fresh Approach

The banking industry’s traditional answer for Americans with limited or damaged credit histories is to educate customers generically, equip them with credit scores and do-it-yourself credit-building tools, and sell them a secured card with no fo...

Generation Z: Halfway to Adulthood and Ready to Borrow

Approximately half of Generation Z—those born since 1997—has graduated into adulthood, and that carries strong implications for financial institutions. Gen Zers are moving beyond foundational checking accounts into more complicated financial liv...

Business Financial Health

We will outline 11 principles for business financial health and discuss how banks can use financial health concepts to inform product design, marketing, and digital banking capabilities.

Loyalty Through Lending: Building Relationships with Short-Term Loans

Cash-strapped consumers’ old options for short-term loans, running the gamut from the benevolence of friends and family to high-interest (some would say predatory) products of payday lenders, have broadened considerably. Fintechs have entered th...

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...

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...

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