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Lenders and servicers face particular challenges in setting priorities for innovation. Javelin’s research and advice can help clients navigate the increasingly complex field—filled not only with traditional lenders and servicers but also fintech upstarts—and provide an exceptional borrower experience and more timely, accurate decisions.
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
Reports
Generation Z: Halfway to Adulthood and Ready to Borrow
- Javelin Report
- Date: September 7, 2023
- Author(s): Gregory Magana, Mark Schwanhausser
- Research Topic(s): Digital Banking, Digital Lending
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
- Advisory Webinar: Client Login Required
- Date: August, 2023
- Author(s): Ian Benton, Mark Schwanhausser
- Research Topic(s): Digital Banking, Digital Lending, Digital Strategy & Experience, Mobile & Online Banking, Small Business
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
- Javelin Report
- Date: August 3, 2023
- Author(s): Mark Schwanhausser, Dylan Lerner
- Research Topic(s): Digital Lending
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...
Student Loan Debt Is a Big Blind Spot in Financial Fitness
- Impact Note
- Date: December 5, 2022
- Author(s): Dylan Lerner
- Research Topic(s): Digital Lending
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
- Advisory Webinar: Client Login Required, On Demand Webinar
- Date: November 30, 2022
- Author(s): Mark Schwanhausser, Emmett Higdon, Babs Ryan, Ian Benton
- Research Topic(s): Digital Banking, Digital Lending, Mobile & Online Banking, Small Business
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
- Javelin Report
- Date: November 16, 2022
- Author(s): Babs Ryan
- Research Topic(s): Digital Lending
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 Report
- Date: September 21, 2022
- Author(s): Babs Ryan, Lea Nonninger
- Research Topic(s): Digital Lending
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...