Research

It’s hard to deliver bad news to banking customers in digital channels. Most financial institutions are in the first phase of Javelin’s Positive Messaging Maturity Path, where the focus is on do-it-yourself alerts that remain largely retrospecti...

The traditional methods of credit scoring—time-tested and statistically sound—remain excellent ways of assessing the creditworthiness of consumers. FICO Score 8, the dominant credit score in the United States, is leveraged by lenders because it’...

Digital options in the prepaid payments industry appear poised to take control over the next decade, pushed by consumer demand, technological advances, and a shrinking financial world. The time is now to adopt a digital-first approach to engage ...

Global commercial banking and payments are evolving swiftly, driven by technological progress, evolving corporate habits, and emerging market dynamics. This puts businesses on the spot to respond in ways that keep them competitive, minimize expo...

The recent settlement of a class-action lawsuit pitting merchants against card networks Mastercard and Visa is attention-getting, not least of all for the $30 billion price tag. Merchants have long been vocal about rising interchange costs and w...

Chase and TD Bank are blazing the trail for financial institutions to build mobile tap-to-pay technology into their banking apps to enable microbusinesses, sole proprietors, and freelancers to accept card payments on their smartphones without sp...

The past few years have seen an increased role for U.S. regulators across financial services, with crackdowns against banking partnerships, crypto coin minters, credit card issuers, card network pricing, and a wide variety of lenders ranging fro...

Financial advisors’ next best action (NBA) for clients is at the center of generative AI and predictive AI applications for wealth managers. New client analytics and automated generation of prompts is positioned to transform how advice is optimi...

Credit card lending requires funding, and banks with credit card programs find themselves at an interesting point: The prime rate is at its highest level in decades, and in anticipation of decreasing rates in late 2024 and 2025, banks might want...

Decentralized technologies, including blockchain, provide a secure foundation for building identity solutions that are not only secure but also provide users with the ability to control access to their personal information. Additionally, these i...