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

Mortgage Mobilification: Building the Mobile Mortgage Experience

  • Javelin Report
  • Date: December 5, 2018
  • Research Topics(s): Digital Lending
The trend toward digital banking is making its mark in the mortgage space. Digital mortgages have the potential to save consumers and lenders significant time and expense, decreasing closing costs and freeing up personnel from paper-intensive ...

Mass Affluent Borrowers: They Want Digital and They Want it Now

  • Javelin Report
  • Date: October 23, 2018
  • Research Topics(s): Digital Lending
With six-figure annual household incomes and access to appreciating as well as income-producing assets, the mass affluent present an attractive target for traditional and nontraditional lenders alike. However, the segment’s comfort with technolo...

Winning the Auto Lending Game: Building a Digital Bridge to Borrowers

All signs point to an auto lending industry that is on the mend.  As the economy has improved and consumer confidence has returned, auto loans have been on the rise and financial institutions (FIs) are benefitting. With the emergence of new tech...

The Short-Term Lending Opportunity: Empowering the Underbanked by Breaking the Payday Debt Cycle

The Consumer Financial Protection Bureau recently finalized a new rule governing the underwriting of certain short-term loans, notably payday loans. These loans are most frequently provided by local payday lenders, often at extremely high intere...

Winning the Underbanked: The Long-Term Opportunity in Short-Term Lending

Payday loans play a vital role in the lives of many consumers who don’t have the cash reserves to cover an emergency expense. They are especially popular with underbanked consumers. However, they are expensive with APRs ranging from 300-750% and...

2018 Digital Lending Trends

While most areas in retail banking have embraced the power of going digital, lending has been a clear laggard.  It is only over the last few years that lending has truly embraced the digital revolution. Spurred by threats from alternative provid...

2018 Fraud & Security Trends

With every new headline it becomes increasingly obvious that cybercrime is on the rise.  Motivated by the growing use of digital banking and payments, criminals are targeting institutions’ websites, consumers’ digital devices and non-bank accoun...

2018 Small Business Digital Banking & Payments Trends

Development in digital banking and payments services for small businesses has lagged significantly behind consumer and commercial banking, leaving many business owners and operators managing their finances and paying suppliers on platforms that ...

2018 Payments Trends

Over the past few years the payments landscape has experienced evolutionary change in an effort to adapt to growing demands from consumers, businesses, technology, and regulators. As we kick off 2018, Javelin’s Payments team has identified three...

2018 Digital Banking Trends

The financial services market is undergoing significant change to adapt to consumers’ mobile-first expectations. Much immediate effort in 2018 will focus on rolling out the Zelle person-to-person (P2P) network that some envision as the backbone ...

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