Digital Lending Research

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


Emergency Money: Why There’s a Flood of Small-Dollar Loans and Secret Accounts

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

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 Lending Trends & Predictions

As Javelin Strategy & Research looks ahead to the trends shaping digital lending in 2023, it’s beginning to look a lot like 2007. Most lenders are running to the same side of the boat, focusing on non-prime segments, ramping up debt consolidatio...

Global Greats: Translating Digital Lending Innovations for the U.S.

Javelin’s international analysts scoured the globe for digital lending innovations. Which won ribbons: the face-recognition loan application in China, auto loans in Japan that work like a breathalyzer, or the mortgage service that works like a d...

Online Auto Lending Opening Doors for Banks

This Javelin Strategy & Research report looks at the state of digital auto sales today. The trend of car buyers seeking a fully digital experience, from shopping to acquiring a loan to completing the transaction, has only accelerated amid the CO...

A Digital Playbook for Building Stronger Borrowers

The pandemic spurred a surge in credit monitoring. The good news for financial institutions is that consumers are more likely to track their scores through their banks and credit unions than through the many third-party apps and other sources. O...

What’s Next for Digital and Remote Loan Closings?

  • Javelin Report
  • Date: November 30, 2021
  • Author(s): Austin Kilgore
  • Research Topics(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 Digital Lending Trends & Predictions

  • Javelin Report
  • Date: November 15, 2021
  • Author(s): Austin Kilgore
  • Research Topics(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...

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