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
CDs Have a Role to Play in Personal Finance but Lack Digital Support and Engagement
Certificates of deposit aren’t obsolete; they’re underleveraged. Although a quarter of banked consumers hold CDs, most banks treat them as static products with minimal digital supp...
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...
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...
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