Research

Javelin Strategy & Research’s assessment of vendors in the identity protection services (IDPS) market revealed clear pacesetters overall, led by Best in Class winner Equifax, and across a range of categories that underscored the efficacy of thos...

Pressure is mounting for tech vendors that cater to registered investment advisors to grow market share while the pool of financial advisors remains relatively static. In tandem, the barriers to managing client wealth and segment complexity are ...

Tokenization—the creation of unique digital records of asset ownership—is poised to make a lasting impact on how participants in financial markets operate, affecting financial institutions, investors, and regulators. The technology has the poten...

Pay-by-bank solutions go by a lot of names—bank transfer, bank-to-bank transfer, direct account payment, direct debit, and more—but one thing is clear: When they are ubiquitous, interoperable, and instant, as is the case in places like Brazil, I...

In 2023, mobile deposit became the most frequent way consumers chose to deposit a check. It is by far the preferred deposit method, and it is a winner among younger consumers. Nonetheless, Javelin’s examination of mobile deposits at 20 of the la...

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...