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
2025 Digital Lending Trends
The pressure will mount in 2025 for traditional lenders and the vendors that serve them to make foundational strides in using digital channels to win share of mind that leads to share of wallet, apply artificial intelligence even at smaller FIs,...
Earned Wage Access: How Banks Can Do Better for Workers Facing a Cash Pinch
The Consumer Financial Protection Bureau dealt fintechs focused on earned wage access a blow when it issued an interpretive ruling that their products will be considered loans subject to the Truth in Lending Act. This would rebalance the playing...
Embedded Lending: Banks Get a Second Chance to Stake a Claim
A market scan by Javelin Strategy & Research found that few banks and credit unions are active in embedded lending, leaving fintechs such as Affirm, Afterpay, Apple, Klarna, and PayPal to dominate a market that Javelin has previously forecast wi...
How Social Media ‘Finfluencers’ Wedge Between Banks and Gen Z Customers
Gen Z’s eagerness to turn to “finfluencers” on Snapchat, TikTok, Instagram, YouTube, and other social media puts mainstream financial institutions and lenders in an entirely new game that they are ill-prepared to win. While traditional instituti...
How to Help Car Buyers Break the Cycle of Debt
Javelin’s case study compares two starkly different car buyers—one who builds car payments into their monthly budget for life, the other who breaks the cycle of debt by keeping cars longer and turning payments into savings. The financial fates o...
Beating the Fintech Mortgage Influencers: How FIs Can Prevail
To navigate the complex homebuying process, shoppers commonly seek guidance from non-bank influencers such as real estate agents, lending marketplaces, and digital lenders. Javelin Strategy & Research analyzed eight leading mortgage fintechs wit...
How to Build Credit Card Wizards That Win Share of Wallet
Banks and credit unions provide a digital shopping experience that can lead customers to pick an ill-suited credit card and put an FI at risk of costly “silent churn.” In contrast, NerdWallet, CardWiz, Smart Asset, and other card advisory fintec...
Digital Lending: 2024 Trends and Predictions
Regulatory uncertainty regarding emerging loan products, the looming student loan crisis, and breakthroughs in artificial intelligence will shape the lending industry’s outlook, opportunities, and operations in 2024.
The Digital Lending Landscape for Newcomers to the U.S.
Every year, millions of people from around the globe legally enter the United States but struggle to line up banking and lending services because they lack standard documentation, credit histories, or credit scores. This has left the door open f...
2024 Trends & Predictions: Digital Lending
The outlook in digital lending in the year ahead will focus on three key areas: the prospect of regulatory clarity on popular products such as buy now, pay later loans and earned wage access; the impact on student loan borrowers—and financial in...