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

Reports

Lending to Gen Z

  • Javelin Report
  • Date: November 14, 2019
  • Research Topics(s): Digital Lending
This report explores the economic, societal and cultural circumstances that differentiate Gen Z from Millennials and older generations and details the steps lenders must begin taking now to adjust their approach to acquiring, selling to, and ser...

Near-Prime Lending: The Role of Alternative Data and AI

  • Advisory Webinar: Client Login Required
  • Date: October, 2019
  • Research Topics(s): Digital Lending
Austin Kilgore and Emmett Higdon will discuss why lenders struggle to extend loans and offer competitive pricing to these “near-prime” borrowers and how now, they’re increasingly turning to new underwriting techniques, such as alternative credit...

Near-Prime Lending: The Role of Alternative Data and AI

  • Javelin Report
  • Date: September 9, 2019
  • Research Topics(s): Digital Lending
This report will examine the characteristics of the segment of subprime borrowers classified as “near-prime” and why they struggle to obtain affordable credit. We will also explore new technologies and alternative approaches to assessing creditw...

Finding Digital Success Amid Shifting Lending Markets

Digital lending capabilities are rapidly advancing to meet growing consumer expectations of a seamless process. The following is an overview of key developments and emerging trends across the mortgage, auto, student and personal lending landscap...

Enhanced Credit Scores

Enhancing credit scores with alternative data promises to fill a significant gap in the relevant information available to lenders to evaluate credit applicants, providing a broader view into consumer payments behavior and potentially enabling mi...

Agile Mortgages Case Study: Atlantic Home Loans

This original report, sponsored by AI Foundry, explores the role that intelligent automation is playing in transforming mortgage processing at Atlantic Home Loans. This research report was independently produced by Javelin Strategy & Researc...

Implementing Payment Card Controls through a Customer Financial Engagement Strategy

Join Krista Tedder and Mark Schwanhausser as they examine the challenges and rewards of launch card controls.

Maximizing the Primary Financial Relationship: Strategies for Being Borrowers’ First and Last Stop in the Era of Digital Lending

This original report, sponsored by Finastra, explores the relationship between primary bank status and the propensity for a consumer to borrow, including with the reasons why a primary bank may not be the first stop for existing customers o...

Technology in First-Party Collections: Improving Engagement to Bring and Keep Borrowers Current

  • Javelin Report
  • Date: December 26, 2018
  • Research Topics(s): Digital Lending
The impact of borrowers’ defaulting on their debts can be detrimental for both borrowers and lenders; the lenders because they face significant costs in collections associated with each loan and the borrowers because it could take a toll on thei...

Equity Sharing: A New Approach for Financing Homeownership and Accessing Equity

  • Javelin Report
  • Date: December 13, 2018
  • Research Topics(s): Digital Lending
This report introduces a relatively new breed of home financing/refinancing products that represent a significant departure from debt arrangements historically associated with homeownership – e.g., home mortgage and home equity line of credit (H...

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