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

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...

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...

Digital Closing and eNote Test Drive

  • Javelin Report
  • Date: September 21, 2021
  • Author(s): Austin Kilgore
  • Research Topic(s): Digital Lending
The era of the traditional paper-intensive mortgage closing is slowly ending; the victim of advancing technology and a pandemic that has prompted lenders and borrowers to seek safer, remote ways of doing business. After resources were poured int...

Digital Mortgage Test Drive

  • Javelin Report
  • Date: July 30, 2021
  • Author(s): Austin Kilgore
  • Research Topic(s): Digital Lending
Digital mortgage point of sale technology offers borrowers a comprehensive self-service experience when applying for a loan. Whether developed internally or sourced from one of more than a dozen specialty vendors, these platforms can be deployed...

Dual-AUS Submissions Offer Mortgage Lenders New Digital Efficiency Gains

  • Impact Note
  • Date: April 28, 2021
  • Author(s): Austin Kilgore
  • Research Topic(s): Digital Lending
As the mortgage industry transitions to a purchase market, lenders have a unique opportunity to reimagine the role of automated underwriting systems in the borrower qualification and product eligibility process.

Tech Enablement for Trusted Advisers

  • Javelin Report
  • Date: April 2, 2021
  • Author(s): Austin Kilgore
  • Research Topic(s): Digital Lending
Digital originations help lenders engage with consumers earlier in the process of buying homes and cars. But even the most sophisticated lenders often struggle with extending these enhancements to professionals outside their organizations who ar...

Digital Strategies for Direct Auto Lending

  • Javelin Report
  • Date: March 11, 2021
  • Author(s): Austin Kilgore
  • Research Topic(s): Digital Lending
The digital direct channel offers a compelling alternative to traditional indirect auto finance. But auto lenders seeking to establish a presence in the digital direct channel will find an already crowded field of nonbank fintech lenders, one-st...

Ginnie Mae’s First eNotes Create New Urgency for Digital Mortgages

  • Impact Note
  • Date: February 2, 2021
  • Author(s): Austin Kilgore
  • Research Topic(s): Digital Lending
The completion of Ginnie Mae’s first-ever mortgage-backed security comprised entirely of electronic promissory notes eliminates longstanding barriers to entry for eNotes and is an enormous step forward for broader industry adoption.

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