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Check out Javelin Strategy & Research reports, scorecards, and webinars from all practice areas.
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How Financial Institutions Can Plot Their Instant Payment Strategy
- Javelin Report
- Date: September 28, 2023
- Author(s): Elisa Tavilla
- Research Topic(s): Debit
With the recent launch of FedNow, as well as the continued presence of The Clearing House’s RTP network, instant payments are poised to transform money movement in the United States. This will require careful consideration and planning by financ...
Non-Fungible Tokens in Loyalty Programs: A Dress Rehearsal for Tokenized Payments?
- Javelin Report
- Date: September 28, 2023
- Author(s): Joel Hugentobler, Christopher Miller, James Wester
- Research Topic(s): Emerging
Loyalty programs are a staple of companies’ attempts to connect with their customers, but only about half of them receive consumer engagement. A rising movement toward the use of non-fungible tokens—NFTs—as exclusive offerings and as a new payme...
Yours, Mine & Ours: Digital Banking for Couples
- Javelin Report
- Date: September 28, 2023
- Author(s): Dylan Lerner
- Research Topic(s): Digital Strategy & Experience
The demographics of couples are changing, and quickly. Married couples may not share as much as they used to, and a growing number of households include partners who aren’t married. Innovative fintechs are building products that serve every type...
The Credit-Building Pathway: Banking's Opportunity for a Fresh Approach
- Javelin Report
- Date: September 26, 2023
- Author(s): Mark Schwanhausser
- Research Topic(s): Digital Lending
The banking industry’s traditional answer for Americans with limited or damaged credit histories is to educate customers generically, equip them with credit scores and do-it-yourself credit-building tools, and sell them a secured card with no fo...
Wealth Management Fraud: An Easy Target for Scams
- Javelin Report
- Date: September 21, 2023
- Author(s): Suzanne Sando
- Research Topic(s): Fraud & Security, Fraud Management
Traditional identity fraud and identity fraud scams are equal-opportunity crimes, in that anyone with a digital footprint is a potential target. But as affluence rises, so does consumer concern about becoming a victim. Further, suspicious activi...
Card Controls: A Service in Search of a Strategy
- Javelin Report
- Date: September 19, 2023
- Author(s): Emmett Higdon, Mark Schwanhausser, Lea Nonninger
- Research Topic(s): Digital Banking, Digital Strategy & Experience
The current adoption of card controls by consumers is disappointing, but several indicators suggest that better positioning of these features by financial institutions would spur more use. Consumers care about security—it is the second heaviest ...
Gambling and Lotteries Open New Prepaid Markets
- Impact Note
- Date: September 15, 2023
- Author(s): Jordan Hirschfield
- Research Topic(s): Prepaid
The kickoff of a new football season brings on an increased opportunity to gamble for Americans. As more states pass legislation in the wake of the deregulation of mobile gambling and, by association, mobile lotteries, new opportunities for play...
Alternative Investments for the Retail Investor
- Javelin Report
- Date: September 14, 2023
- Author(s): William Trout
- Research Topic(s): Digital Wealth
Technology represents connective tissue that will enable more efficient workflow across the private capital ecosystem. General partners and limited partners must work together to remove operational friction and transform the challenges for inves...
P2P Scams and Fraud: Addressing Financial Institutions’ Precarious Position
- Javelin Report
- Date: September 14, 2023
- Author(s): Kevin Libby
- Research Topic(s): Fraud & Security, Fraud Management
Peer-to-peer (P2P) payments are essential in a world where cash is less commonly carried, digital transactions are popular and convenient, and ease, privacy, and security drive consumer preference. However, despite their undeniable value and wel...
Receivables Management Automation for Small Commercial Enterprises: Impediments to Adoption
- Impact Note
- Date: September 14, 2023
- Author(s): Albert Bodine
- Research Topic(s): Commercial & Enterprise
Automation plays a significant role in receivables management, saving businesses time and money by automating such tasks as invoice generation, payment tracking, and collection. It also improves accuracy and efficiency. However, implementing a s...
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