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Forecast 2025: Mobile Is the New Workhorse in Consumer Banking

Digital banking adoption—online and mobile—has returned to pre-pandemic levels and in some cases has even stagnated. However, here’s the bigger, permanent story: Mobile banking is the preferred channel by an increasing number of consumers. Banks...

Rise of the Crypto Custodians

As banks, insurers and other wealth managers assess the risks of the crypto market—particularly cybersecurity—they should not be dissuaded from exploring the opportunities. Strategic opportunities include positioning cash management as a springb...

Copy-Cat Banking Isn’t the Best Way to Beat Fintech Innovators

Neobanks have built their customer bases by offering lower fees and, particularly during the pandemic, quicker access to federal stimulus funds. But to develop the kind of deep relationships enjoyed by many traditional FIs that are considered cu...

Private Capital Moves to the Mainstream

Next-generation fintech platforms enable automation in the private capital markets by imposing structure onto what has been an ad-hoc, high-touch workflow. In so doing, they support a more transparent, secure, and error-free experience for the a...

Green Banking: A Strategic Clash of Digital Needs vs. Wants

As financial institutions roll out new digital features touted as tools to help customers monitor their environmental impact and make meaningful changes, they face a host of challenges and a couple of considerable risks: Given the current qualit...

Stripe’s OpenChannel Acquisition Facilitates Distribution of Services

Stripe’s series of high-profile acquisitions in 2021—the latest of which, OpenChannel, was announced in December—signal a shift toward operational areas adjacent to and complementary to Stripe’s well-known function as a payment processor. The Op...

Card Network-Merchant Conflicts Over Fees Are Set to Pick Up in 2022

Concerns about card networks’ merchant fees are about to be reignited by Amazon’s upcoming ban of Visa credit cards issued in the UK. The e-commerce titan has taken issue with Visa’s merchant fees—just like many merchants have had problems with ...

Technology Redefines Traditional Notions of Investor Behavior

The lines between traditional investor populations are blurring. In particular, the weakening of the paternalistic relationship between advisor and client presents an opportunity to revisit established notions of segmentation and service.

Gen Z’s Rough Start with Digital Banking

Generation Z is emerging as a major consumer segment for FIs now that they’re reaching adulthood, so FIs must take the time to understand what makes them tick. That includes examining the trends and events that influence them and understanding w...

2021 Canadian Digital Banking Scorecard

Royal Bank of Canada and Canadian Imperial Bank of Commerce are the big winners in Javelin Strategy & Research’s annual Canadian Digital Banking Scorecard, taking Best in Class honors in online banking and mobile banking, respectively. The evalu...
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