Disha Bheda

Analyst, Digital Banking

Disha is an analyst at Javelin’s Digital Banking Practice. Before joining Javelin, Disha has held a range of roles in financial services and technology, including in investments research and operations, and as a financial analyst.

Originally from India, Disha studied economics and computer science at Stony Brook University in New York and finance from Loyola Institute of Business Administration, India.

Latest Insights

April, 2026
Javelin Report
Designing Gamification for Ongoing Digital Banking Engagement

Engagement with digital banking remains frequent but shallow, leaving significant value untapped by customers. Better gamification—designed around behavior, habits, and trust rathe...

January, 2026
Javelin Report
The Key Step on the Bridge to Investing Maturity Path: Helping Customers Think Beyond Today

When it comes to cultivating the next generation of investors, most banks today land squarely in Stage 2 of Javelin Strategy & Research’s six-stage Bridge to Investing Maturity Pat...

December, 2025
Impact Note
SMS Blasters: An Expanding Frontier in Smishing Attacks

Cybercriminals use SMS/text blasters in smishing attacks, sending a wide range of fraudulent messages. By mimicking legitimate cell towers, SMS/text blasters bypass carrier-level p...

Events

May 22, 2024 | 09:05 AM to 10:00 AM (PST)
Ian Benton will present key opportunities for financial institutions and fintechs in a new financial...
February, 2026
Javelin's Digital Banking team takes a look at the trends shaping the industry in 2026....

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