Research

The percentage of unmarried cohabiting couples has skyrocketed in recent years, yet banking products and digital access and experiences still assume traditional household structures. This report—part of the Digital Banking Data Snapshot series—u...

In these post-pandemic times, 38% of American professionals now engage in freelance work and must manage their complex financial lives with digital features and tools that are better suited for traditional employment. This report—part of the Dig...

Merchants have become comfortable buying financial services and technology together, bringing banks and financial services providers into the software market to compete with the software companies selling payments and other financial services. B...

The U.S. consumer credit card market remains strong for issuers, but there is reason for concern and diligence in portfolio management. Credit cards, which remain highly popular among consumers, are seeing slower profitability growth, and rising...

For U.S. financial institutions, the twists and turns of the last few weeks around political promises that have quickly resulted in short-term wins for banks should be viewed with extreme caution and skepticism, as new cyber risks will undoubted...

To deepen digital engagement beyond glance-and-go activities like reviewing balances, digital banking strategists must rethink how to onboard customers over the long haul. Javelin’s four-stage relationship deepening model maps out an ongoing onb...

Automated “set it and forget it” solutions now control trillions of dollars in retirement assets and robo-accounts. Mounting evidence suggests these simplified approaches may be compromising investors' long-term outcomes. The convergence of tech...

Banks with small-business customers face a choice as they comply with the consumer data-sharing dictates of Section 1033: check the regulatory box or go big, treating Section 1033 as a catalyst for transformation that extends these capabilities ...

One of the biggest issues plaguing U.S. efforts to mitigate scams is a lack of standardization in tracking and classifying the crimes. In that sense, there is much the United States could learn and adopt in the approaches taken by other global r...

ISO 20022 is set to revolutionize payments with richer data, a seamless standard worldwide, and a forged path to future payment innovation. For mid-market banks, adoption isn’t just about meeting deadlines; it’s a chance to modernize payment sys...