Emmett Higdon

Director, Digital Banking

Emmett helps banks, fintechs, and vendors define and leverage the evolving role that digital channels play in how consumers select, connect, and manage their financial accounts. He works with both institutions and vendors to transform the digital experiences they deliver to ensure that they meet customers’ growing expectations. His ongoing work provides actionable insight into consumers interest in and adoption of mobile banking, digital sales and onboarding, artificial intelligence and chatbots, open banking, and more. 

With more than 25 years’ experience in digital financial services, Emmett combines strategic industry perspective with annual consumer insights to help clients craft effective, actionable engagement and transformation strategies. 

Prior to joining Javelin, Emmett was a senior director of mobile strategy for TIAA, a senior analyst with Forrester Research, and a vice president of digital money movement with Citibank. 

He holds an MBA in marketing from Loyola University and a bachelor’s degree in The Writing Seminars from The Johns Hopkins University. 

He is based in Hilton Head Island, SC.

Latest Insights

August, 2026
Javelin Report
2026 Mobile Banking Scorecard

For the third consecutive year, U.S. Bank has claimed the top spot in the Javelin Strategy & Research Mobile Banking Scorecard, narrowly edging competitors Bank of America and Trui...

August, 2026
Javelin Report
2026 Online Banking Scorecard

Truist, which reached the leaderboard of the Javelin Strategy & Research Online Banking Scorecard for the first time in 2025, has ascended to the top spot in the year’s version. Th...

May, 2026
Impact Note
ChatGPT’s Plaid Partnership Moves AI’s Data-Driven Advice Outside the Bank

OpenAI’s announcement that ChatGPT Pro users can now connect their accounts to the service to bolster financial conversations lands squarely in an area of susceptibility for most b...

Events

June 13, 2022 | 07:00 AM to 09:00 PM (CST)
Where the banking community connects and collaborates to address the industry’s most pressing issues...
February, 2026
Javelin's Digital Banking team takes a look at the trends shaping the industry in 2026....

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