Babs Ryan

Babs Ryan

Lead Analyst, Digital Lending

Babs helps clients stand apart in the rapidly changing lending market by prioritizing digital innovation that aligns with human behavior and financial needs. Drawing on her deep industry knowledge and extensive experience as a banker, digital transformation, and industry analyst her Javelin research and consulting encompasses a full range of consumer lending products, alternative credit scoring, digital account opening, virtual lending for virtual products such as NFTs, and more.

Before joining Javelin, Babs held management, innovation, and marketing roles for Citibank UK, GE Capital Card Services (now Synchrony), ThoughtWorks, Sparks Worldwide, and Kawasaki. She also has served as an analyst and consultant with Forrester and PwC. She currently is a board member of Workers Federal Credit Union, and she holds seven patents that include innovations for credit programs, biweekly installment loans aligned with payroll, no-interest credit, and an insurtech solution for youth sports-psychology coaching.

She earned an MBA in international business from Thunderbird. Babs has travelled in 88 countries, worked abroad for a decade, and is a dual U.K./U.S. citizen. She is a GHIN golfer and PSIA ski instructor.

Latest Insights

February, 2023
Javelin Report
Emergency Money: Why There’s a Flood of Small-Dollar Loans and Secret Accounts

Too-little-too-late early payday solutions and short-term, small-dollar loans, motivated by pressure around overdraft fees or charges for non-sufficient funds (NSFs), are outpacing...

December, 2022
Javelin Report
Mortgage Pandemic or Just the Sniffles: Fast-Track Cures and Long-Haul Boosters

This report forecasts emerging variants in home lending, describes new hybrid (digital plus human) relationships, and prescribes digital-first options and tech-enabled remedies to ...

November, 2022
Javelin Report
2023 Digital Lending Trends & Predictions

As Javelin Strategy & Research looks ahead to the trends shaping digital lending in 2023, it’s beginning to look a lot like 2007. Most lenders are running to the same side of the b...

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