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Future Trends for Digital Banking and Payments

Javelin’s latest Future Trends report is making a notable departure from previous editions. We want our clients to be alerted to upcoming trends over a longer time horizon to be better prepared to address these challenges and opportunities. The ...

Continuous Authentication Becomes A Reality

The growth of digital financial technologies has placed dual pressures on security systems. Emerging digital channels have facilitated fraud like never before, but users are growing less tolerant of added friction. Digital interactions that rais...

The Rise In The Internet Of Payments

  • Whitepaper
  • Date: December 12, 2016
  • Research Topics(s): Payments
The growth of connected devices, better known today as the Internet of Things (IoT), is accelerating at an unbelievable rate. By 2020 there will be more than 50 billion connected devices (6.6 per person on the planet), up from just under 23 bill...

Cash-Flow Projections Will Become A Must-have For Digital Banking

Digital banking fails whenever customers must reach for paper, pencil, and calculator. Worse, it happens all too commonly in the course of tackling basic chores such as paying a bill or moving money — especially for customers who live paycheck t...

APIs Will Accelerate Financial Services Innovation

In what has become a classic story in the financial technology space, the start-ups that were born out of a professed desire to disrupt the banking industry have evolved to rely on and partner with incumbents for distribution, access to investme...

A Coming Mobile Payments Implosion Threatens Issuer Wallets

An inflection point is fast approaching in mobile payments. An explosion of payment options has been ignited by the market’s rapid growth to $180 billion — tripling in only three years. Today, dozens of providers have already introduced mobile w...

The New Payment Networks Vs. The World (Traditional Networks)

  • Whitepaper
  • Date: December 12, 2016
  • Research Topics(s): Payments
The traditional card networks have long dominated modern commerce, providing a safe and hassle-free shopping experience. They have blazed the trail for payment acceptance in new channels (online and mobile), new geographies (Europe, Asia), and e...

Mobile Payments Fraud Becomes Painful

The mobile channel can facilitate nearly any type of consumer payment, often with greater convenience than before. This has attracted a growing legion of dedicated users, yet wherever legitimate payments begin to flourish fraud is soon to follow...

Personalization Will Expand Beyond Targeted Marketing

FIs are understandably focused on mining customer data to cross-sell products and deliver an immediate return on investment, yet offers too often are poorly targeted and therefore put off customers who are weary of “the pitch.” Though bankers wi...

Banks Take The Lead In Voice To Avoid Becoming The Dumb Pipes Of Personal Finance Digital Banking

For many years, cable television was the sole provider of in-home entertainment for most Americans. With the arrival of streaming services such as Netflix and Hulu, consumers permanently shifted their viewing habits to the convenience of on-dema...
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