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Javelin Strategy & Research Report List

2009 Financial Alerts Forecast: Alerts Remain Highly Valued, but Consumer Adoption Slows Due to Inadequate, Limited Offerings
Table of Contents Published: 2009/11
Four forces should be fueling increased adoption of financial alerts: Money is tight for Americans; identify fraud is on the rise; consumers crave more control over their finances and value alerts; and regulators soon could make alerts a banking requireme ...

2009 Expedited Payments Forecast: Due to Recovering Economy, Reposition Offerings Around Convenience Rather Than Desperation
Table of Contents Published: 2009/10
Expedited payments - same-day or next-day bill payment services - represent a viable revenue source for billers, financial institutions, and third parties. The size of that opportunity, however, will vary depending on economic conditions, consumer propens ...

2009 Javelin Mobile-Banking Scorecard:2nd Annual Benchmark Identifies 26 Critical Criteria to Optimize Adoption and Usage
Table of Contents Published: 2009/10
Javelin' s 2009 Mobile Banking Scorecard ranks the consumer mobile-banking offerings offered by 18 of the nation' s 40 largest banks, based on deposits. The benchmark covered three areas of mobile banking: Features, Access and Marketing. Secretshoppers ha ...

Data Breach Notifications:Victims Face Four Times Higher Risk of Fraud
Table of Contents Published: 2009/10
If a consumer gets a data breach notification letter, they are four times more likely to suffer identity fraud within the next year. Data breach notifications were intended to help consumers take protective action when their private data is exposed. But t ...

2009 Mobile-Banking and Smartphone Forecast: Essential Strategies for a Fast-Growing, Evolving Market
Table of Contents Published: 2009/09
Now is the time for U.S. financial institutions to invest in mobile banking. American consumers are hungry for better ways to monitor and manage their money - and mobile banking will serve that need better than any other banking channel by providing alway ...

Contactless/ Mobile Payments Ecosystem: Solutions Must Bridge Islands of Value to End Market Stagnation
Table of Contents Published: 2009/09
The contactless/ mobile ecosystem is at present a series of islands, with little to no mutual realization of value among the various constituents. The success of contactless depends on some disruptive factor or wide-scale deployment that bridges the gaps ...

Multi-Channel Authentication Via Mobile Banking: Assessing the Technologies, Vendors, and Solution Providers
Table of Contents Published: 2009/09
Institutions face growing risks to their assets, legal liability and reputations as they seek to securely and conveniently authenticate their customers across multiple channels. With 86% of adults owning a handset, mobile banking is poised for explosive g ...

Personal Finance Management Tools: Consumer Behavior Fuels Battle for Supremacy Between Banks and PFM Sites
Table of Contents Published: 2009/09
Consumers have long desired greater control over their finances and the extended pain of the global recession has only heightened the need for better online tools to help them monitor and manage their money. Although websites such as Quicken Online and Mi ...

2009 Online Banking and Bill Payment Forecast: Active Users Grow While Bank Bill Pay Overtakes Biller Direct
Table of Contents Published: 2009/08
Financial institutions need to be aware that in the midst of this banking crisis, consumers are unusually sensitive to fees and are prone to switching banks. Seven years of Javelin consumer survey data underscore the necessity of designing banking product ...

Under-Banked Business Banking Segmentation: Refining Online Banking Strategy to Identify Emerging Small Business Needs
Table of Contents Published: 2009/08
There are more than 26 million small businesses in the U.S., but under-banked businesses tend to be overlooked and underserved by most banks. Under-banked businesses (UBBs) have not yet established a business banking account: they hide in the consumer ban ...

Fifth Annual Card Issuers' Identity Safety Scorecard: Industry Makes Huge Strides in Fraud Detection
Table of Contents Published: 2009/07
The Javelin Card Issuers' Identity Safety Scorecard analyzes the top 25 U.S. card issuers' methods of protecting customers from identity fraud. Each year, Javelin incorporates data from annual household, consumer, and issuer surveys using the Prevention, ...

Mobile Person-to-Person Payments: Mounting Telco Activity in a Mobile Channel Segment That Financial Institutions Can't Afford to Lose
Table of Contents Published: 2009/07
The number of consumers likely or extremely likely to use mobile person-to-person payments and transfers has increased sharply to 30 million consumers, a rise of 44% from 2008 figures. Mobile person-to-person payments and transfers (mobile P2P) offer an i ...

Understanding Consumer Willingness to Fight Fraud: What Industry Leaders Need to Know About Security Partnerships, Zero Liability Protection, and Consumer Preferences
Table of Contents Published: 2009/07
There is a longstanding assumption that zero-liability fraud guarantees create a culture wherein consumers no longer have incentive to participate in fraud mitigation. Javelin data dispels this modern myth, demonstrating that not only do consumers want to ...

Personal Finance Management Beyond PFM Lite: How to Create the Next Generation of Consumer Money Management
Table of Contents Published: 2009/06
The economic crisis has accentuated consumers' hunger for effective money-management tools. Web startups such as Mint, Geezeo and Wesabe have raised consumer expectations, vividly demonstrating how practical and simple such tools can be for monitoring and ...

Predicting Alternative Payments Vendor Success: Balancing Needs Among Banks, Merchants, and Consumers
Table of Contents Published: 2009/06
Financial institutions are faced with increasing competition from non-FI payment brands seeking to usurp transaction volume and consumer mindshare, particularly in the online channel. Combined with the consumer shift away from credit cards to various form ...

The Customer-Driven Architecture: Interactive Financial Services Technology in the iPhone Era
Table of Contents Published: 2009/06
Over the past seven years, Javelin research indicates that consumers and business owners want more control of their finances. With the advent of the iPhone, consumers can easily manage their music collection, contact lists and endless other facets of thei ...

Understanding How PCI-Compliant Companies Can Be Breached: Security in a Post-Heartland World
Table of Contents Published: 2009/06
The Payment Card Industry Data Security Standard (PCI DSS) raises the high water mark for data security. But there' s a persistent myth that PCI compliance equals security. The reality is that PCI is only a baseline, and one that needs to be monitored con ...

2009 Consumer Identity Protection Services Scorecard: Competition Intensifies as Vendors Aggressively Expand Offerings
Table of Contents Published: 2009/05
In December 2007, Javelin released a comprehensive industry research report introducing the identity fraud protection services space, which had just begun to see tremendous expansion, development and curiosity from other institutions with a vested interes ...

Online Account Opening Consumer Analysis and Vendor Comparison: How to Optimize Efficiency, Enrollment and Risk
Table of Contents Published: 2009/05
The need for cost-efficient online account opening processes has never been greater. Consumers routinely conduct banking transactions online at their own convenience, and they similarly expect to be able to open and fund accounts at will, quickly and easi ...

Credit Card Spending Declines: Which Card Features Matter to Consumers and Additional Strategies to Stem the Revenue Hemorrhage
Table of Contents Published: 2009/04
Credit card issuers are dealing with the perfect storm of pressures: industry, regulatory, competitive, and economic. This Javelin report, the first in a series, provides an understanding of the trends in consumer credit card spending, as well as the key ...

New Federal Personal Health Information Breach Notification Law: HITECH Act-- A Tsunami of Opportunity
Table of Contents Published: 2009/04
New federal legislation designed to improve the nation' s quality and coordination of medical care has created a perfect storm at the intersection of the health care and financial industries. Physicians and hospitals will be rushing to go online to take a ...

The Importance of Consumer Trust on FI Profitability: Exploring the Psychographic Segment of 'High Trust' Account Holders to Increase Deposits and Transactions in Tough Economic Times
Table of Contents Published: 2009/04
Credit card issuers and financial institutions at the enterprise level are constantly seeking the customer base that drives revenue and profitability - whether through increased spending, decreased risk of default on outstanding balances or loans, or a co ...

Profiling "Severely Injured" Identity Fraud Victims: Using Triage to Ease the Pain of Customers "At Risk"
Table of Contents Published: 2009/03
Faced with a 22% rise in the numbers of identity fraud victims in 2008, financial institutions and identity protection service vendors are presented with the challenge of better assisting customers to prevent, detect and resolve fraud. In this report, Jav ...

2009 Identity Fraud Survey Report: Identity Fraud on the Rise But Consumer Costs Plummet as Protections Increase
Table of Contents Published: 2009/02
This survey is co-sponsored by organizations committed to educating and helping consumers and businesses reduce their risk of identity fraud including Intersections, Inc., and Wells Fargo & Company, and is supported by the Better Business Bureau. Sponsors ...

Gen Y Acquisition Strategies: How to Woo, Win and Keep Them
Table of Contents Published: 2009/02
Financial institutions are wise to target Gen Y consumers now, not later. These young Americans already can be profitable, and their economic might is growing. Just as important, Gen Y customers will pave the way for the broad use of efficient self-servic ...

Mobile Wallet Applications Battle: FIs Must Embrace Carriers' Closed Network Model Now to Spur Open Network Solutions in the Long Term
Table of Contents Published: 2009/02
Financial institutions, telcos, payment networks, and mobile payments vendors have a vested interest in deployment, adoption and usage of the mobile wallet, an application that allows for the storage of and access to payments instruments that can in turn ...

2008 Banking Identity Safety Scorecard: Authentication and Alerts are Keys to Acquiring, Retaining and Empowering Customers
Table of Contents Published: 2008/12
Javelin' s 2008 Banking Identity Safety Scorecard ranks banks and credit unions on their customer-facing identity fraud Prevention, Detection and Resolution! capabilities. Leveraging the nation' s most comprehensive study on identity fraud, Javelin update ...

2008 Mobile Banking Security Standards: Three-Part Strategy Will Increase Consumer Adoption While Protecting Banks' Assets
Table of Contents Published: 2008/12
Security concerns are the single biggest factor inhibiting consumer acceptance of mobile banking. These concerns are as much a matter of consumer perception as they are of reality - so getting both right will be key. The volume of attacks on mobile bankin ...

Prepaid Product Evolution: Align Processor Relationship With Strategic Goals
Table of Contents Published: 2008/12
Credit card issuers are faced with a double whammy of decreased credit card spending among their cardholder base, and also the decreased ability to offer lines of credit. This downward pressure on the credit card revenue stream must be made up from other ...

2008 Online Banking and Bill Payment Forecast: Financial Crisis Makes It More Vital Than Ever to Target Online Channel
Table of Contents Published: 2008/11
Whether banks and credit unions weather - or even survive - the worst banking crisis since the Depression is likely to depend on their ability to grow their assets. Unsettled by bank failures, anxious Americans have taken a flight to safety that has left ...

Online Retail Payments Forecast, Market Factors Square Credit Cards Against Alternatives-- Both Bank and Non-Network
Table of Contents Published: 2008/11
The online retail channel, despite still representing a relatively small percentage of overall retail sales, is a high profile channel in which many payments alternatives attempt to establish themselves and usurp transaction volume from financial institut ...

Data Breaches: What Should Banks, Payments Firms and Merchants do to Protect Brand Equity and Customer Loyalty?
Table of Contents Published: 2008/10
This report examines the consumer-facing implications of data breaches, and how public perceptions impact reputations and business relationships, particularly those of financial institutions. Using robust consumer data from actual data breach victims as w ...

Mobile-Banking Consumer Behaviors: How Segmentation and an Emphasis on Smartphone Users Will Build Profits, Loyalty and Adoption
Table of Contents Published: 2008/10
The Apple iPhone and the T-Mobile' s G1 phone, the first Google-powered Android phone, are fueling interest in smartphones among users who are young, affluent and increasingly mobile - creating an enticing market segment as banks wrestle with whether to b ...

Online Storage 'Vaults': The Electronic Safe Deposit Box Brings Opportunities for Loyalty and Fees, but Can It Overcome Daunting Challenges?
Table of Contents Published: 2008/10
The banking industry is watching carefully to see if Wells Fargo has developed a winner with the national rollout in October of its vSafe online storage vault, believed to be the first offered by a large U.S. bank. While there is clearly demand for produc ...

2008 Expedited Payments Forecast: Banks Must Add Expedited Payments Now or Lose $5 Billion in Fees to Billers
Table of Contents Published: 2008/09
Expedited payments - which mean same day or next day bill payment services - represent a viable recurring revenue source for billers, financial institutions, and third parties. This report presents Javelin' s annual forecast model for expedited payments, ...

2008 Financial Alerts Forecast: On-the-Fly Alerts Transform Account Relationships To Profitable and Primary vs. Static and Secondary
Table of Contents Published: 2008/09
The financial industry is setting the stage for a day when consumers will be able to sign up for a full menu of e-mail and text alerts beamed to their personal computers, smartphones and mobile phones. ...

Mobile Banking Vendor Analysis: A Thorough Comparison on Features, Partnerships and Overall Strategy Will Yield Highest Profitability
Table of Contents Published: 2008/08
Banks and credit unions face daunting challenges if they want to develop a successful mobile-banking system - starting with how to define what customers want and how to set short- and long-term strategies that will satisfy their needs. Even then, however, ...

Credit Card Customer Satisfaction: Effective Acquisition and Retention Strategy Must Focus on Multiple Facets of the Relationship
Table of Contents Published: 2008/07
The card issuing industry is becoming increasingly competitive and commoditized, with current economic conditions driving issuers to implement more stringent controls surrounding lines of credit, and product differentiation opportunities becoming negligib ...

Credit Card Issuer Profitability In a Difficult Economy: Issuers Must Focus on Interest Income While Balancing Against Increased Default Risk
Table of Contents Published: 2008/07
Credit card issuers face increased pressure to maintain profitability in this difficult economic environment, with cardholder spending curtailed and rising default risk among a larger percentage of consumers. Losses in lines of business other than credit ...

Mobile Marketing -- Targeted, Timely, and Two-way: The Time is Right for Financial Marketing Strategies to Engage the Mobile Consumer
Table of Contents Published: 2008/06
58 Million US adults received at least one mobile marketing message on their mobile phones in the last year. Mobile marketing provides an opportunity for financial institutions (FIs) to interactively reach on-the-move consumers closer to the purchase deci ...

The Four E's of Green Banking: Educate, Enable, Make it Easy -- and Be Earnest
Table of Contents Published: 2008/06
Since Javelin Strategy & Research extolled the environmental benefits of online banking and bill-pay in 2003 with what we believe was the nation' s first research report on green banking, environmental issues have grown in importance with bank customers. ...

2008 Identity Fraud Forecast: Fraud Techniques will Evolve in Tandem with Industry Defenses
Table of Contents Published: 2008/05
Right on the heels of the recently released 2008 Identity Fraud Survey Report, the 2008 Javelin Identity Fraud Forecast predicts how identity fraud trends will change over the next five years, projecting overall measures of impact, fraud types, and target ...

2008 US Mobile Banking Benchmark Study: Mobile Access, Features, and Security - What Banks Are Offering Now
Table of Contents Published: 2008/05
Javelin' s 2008 US Mobile Banking Benchmark Study examines banks and credit unions on consumer mobile banking offerings within three categories: Access, Security and Features. Top US financial institutions (FIs), asset-ranked were mystery-shopped for thei ...

2008 Card Issuers' Identity Safety Scorecard: Customizing Account Controls to Fight Fraud and Strengthen Customer Loyalty
Table of Contents Published: 2008/04
The Javelin Card Issuers' Identity Safety Scorecard benchmarks 25 of the nation' s top credit card issuers on their identity fraud protection features that involve customers. ...

Mobile Person-to-Person Payments and Transfers: Security and Timing Are Everything
Table of Contents Published: 2008/03
Mobile person-to-person payments and transfers (mobile P2P) offer the first income-generating step for financial institutions on the pathway to full mobile banking and payments. While still a niche product, demand is growing and one out of ten consumers c ...

Online Banking Behavior Segmentation: A Behavioral Approach to Improving Adoption
Table of Contents Published: 2008/02
Facing a plateau in the adoption of online banking, banks and credit unions are presented with the challenge of devising innovative ways of moving more consumers online, increasing the frequency of online banking usage among existing users and engaging us ...

Credit Card Acquisition and Account Management: Deepening Online Relationships for Efficiency and Profitability
Table of Contents Published: 2008/01
Credit card issuers are facing intense competitive forces in 2008: downward pressure on fee income and interchange revenue, coupled with fallout from the subprime meltdown and questions surrounding the overall creditworthiness of their cardholder base. ...

Mobile Channel Usage Forecast: Setting the Stage for Revenue Opportunities
Table of Contents Published: 2008/01
Banks and credit unions have a positive outlook ahead for mobile banking: Javelin research forecasts that availability and adoption is set to surge through 2012. But what strategic value can financial institutions expect to derive from investments in the ...

Generation Y Payments Behaviors and Attitudes: Customer Service and Targeted Rewards Attract Lucrative Young Adult Segment
Table of Contents Published: 2007/12
This Javelin report focuses on the affinity that Gen Y consumers have for various payment instruments, the attitudes that set them apart from the population overall, and innovative ways for financial institutions (FIs) to appeal to the group. ...

Identity Fraud Protection Services: Double Digit Growth to Continue, Yet Confusion and Usability Issues Threaten Market Share
Table of Contents Published: 2007/12
This report provides a comprehensive assessment of the primary identity safety services, building upon robust consumer survey data on preferences, behaviors and attitudes. ...

Person-to-Person Lending: Strong Consumer Demand Forecast Calls for Bank Partnerships
Table of Contents Published: 2007/12
This report examines the market potential of P2P lending services in the immediate term, focusing on the potential impact on credit card debt. ...

2007 Banking Identity Safety Scorecard: The Wave of the Future is Multi-Channel Security
Table of Contents Published: 2007/11
Javelin' s 2007 Banking Identity Safety Scorecard ranks banks and credit unions on their customer- facing identity fraud Prevention, Detection and Resolution? capabilities. ...

PCI Compliance: Finding Value beyond Fine Avoidance
Table of Contents Published: 2007/11
Safeguarding customer data is a necessary component of good business practice, yet the numbers of data breached accounts are at an all time high. Data security has not been given front line priority, and as a consequence an environment of mistrust of the ...

Interactive Financial Messaging: Driving Mobile Channel Adoption through SMS Alerts
Table of Contents Published: 2007/10
This latest Javelin report outlines why SMS (Short Message Service) or text message alerts will be the real driver of adoption of the mobile channel. Building on extensive, longitudinal data, this research promotes the need to look beyond online bankers, ...

Online Account Opening Adoption Forecast: The Market Is Ripe for Direct Banking Investments
Table of Contents Published: 2007/09
This report advises financial institutions of any size to implement and enhance their existing online account opening system to take advantage of deposit acquisition, customer retention opportunities, and huge cost savings that will materialize through th ...

Online Payments Forecast: Alternative Payments to Go Mainstream as Consumers Seek Security and Convenience
Table of Contents Published: 2007/09
Alternative payments will allow online merchants to drive mainstream sales among emerging online population segments, reaching new consumers and enhancing conversion through alternatives to credit and debit cards. Javelin provides a new forecast model to ...

The Identity Fraud Economic Divide: Reduce Consumer Losses by Customizing Protection Efforts to Income Levels
Table of Contents Published: 2007/09
This report analyzes nationally-representative income-related fraud data, using identity fraud incidence rates, consumer costs, fraud amounts, and consumer behaviors for different income groups-namely the lower, middle, and higher income segments to give ...

Generation Y Banking Behaviors and Attitudes: Expanding the Banking Relationship on Their Terms
Table of Contents Published: 2007/08
This report urges financial institutions to break from the typical stereotype about reaching out and acquiring Generation Y consumers through electronic means only, providing in-depth analysis of new quantitative data that more broadly examines the bankin ...

Card Issuers' Identity Safety Scorecard: Teaming Issuers and Cardholders Against One Enemy, to Strengthen Relationships and Security
Table of Contents Published: 2007/07
Javelin' s Card Issuers' Identity Safety Scorecard ranks issuers on their cardholder-facing identity fraud Prevention, Detection and Resolution? capabilities. ...

Financial Institution Blogs: How to Manage Your Brand, Engage Customers and Why You Can't Afford to Wait
Table of Contents Published: 2007/07
This report provides detailed consumer data regarding preferences for FI blog content, likelihood of usage, and the influence that information obtained through blogs has on the customer relationship. ...

2007 Online Banking and Bill Payment: Trends, Forecasts, and Strategies for Reinvigorating Growth and Adoption
Table of Contents Published: 2007/06
With over half of the U.S, household population now banking online, online banking and bill pay have finally achieved mainstream acceptance. Over the past three years online banking and bill pay adoption have plateaued, and 38 million consumers are less l ...

Mobile Payments Forecast: Contactless Evolution Flounders Without Heightened Attention to Merchants And Wireless Carriers
Table of Contents Published: 2007/06
Mobile banking initiatives combined with the proliferation of contactless payments will lead to convergence of payment services through mobile handsets. To realize this convergence, finan-cial institutions and payment networks must understand the roles an ...

Online Banking Personal Financial Management: A Two-Stage Plan for Retention and Acquisition
Table of Contents Published: 2007/05
Adoption of online banking is beginning to plateau, and online banking personal financial management (PFM) will be the capability that helps reinvigorate interest in the channel and strengthens existing customer relationships. Based on quantitative data, ...

Mobile Banking Security: The Call for Technology Standards and Proactive Security Messaging
Table of Contents Published: 2007/04
This report provides a comprehensive analysis of the key security aspects surrounding mobile banking: the security perceptions, preferences and behaviors of consumers; actions that financial institutions are taking to secure the mobile channel; and an ass ...

Mobile Banking-Getting It Right This Time: Segmenting Customers and Assessing Platforms in a Unique Channel
Table of Contents Published: 2007/04
Mobile channel adoption will depend on more than just market timing. Financial institutions must implement their programs based on 1) an understanding of what factors distinguish the mobile channel from existing ones and 2) consumer segmentation criteria ...

Payments Interchange: The Tenuous Balance - Merchant, Issuer and Network Uncertainty Calls for Policy Changes and the Elimination of Rhetoric
Table of Contents Published: 2007/04
Interchange as an institution within card acceptance has worked under the premise that credit and debit cards provide sufficient merchant value vis-a-vis the price of interchange. But it has become a tenuous balance based on various practices and actions- ...

Data Breaches and Buyer Behavior: Moving PCI Compliance from Costly Burden to Competitive Advantage
Table of Contents Published: 2007/03
In light of the TJX saga, issuers will no longer passively accept the costs incurred from lost cardholder data that is no fault of their own. ...

Expedited Bill Payments Forecast 2007 to 2009: Effective Strategies to Create Revenue and Enhance Relationships
Table of Contents Published: 2007/03
Expedited bill payments-services that enable consumers to make last minute bill payments- have come to represent a viable revenue opportunity for billers and financial institutions. ...

New Account Onboarding Communication: Defining Segments to Increase Loyalty, Retention and Cross-Sell
Table of Contents Published: 2007/03
New customer onboarding communication is vital to cement relationships, but current best practices are vague or one-dimensional, severely limiting loyalty and success in cross-selling efforts. Based on extensive quantitative data and interviews with sever ...

Telephone Banking Authentication: Practical Approaches to Securing a Popular yet Vulnerable Channel
Table of Contents Published: 2007/03
Financial institutions (FIs) must implement effective authentication solutions that address spe-cific, often mutually exclusive threats from different channels, while remaining in compliance with FFIEC guidelines which pertain to both telephone and online ...

ATM Functionality Enhancements: Increasing ROI and Customer Satisfaction through Innovative Partnerships
Table of Contents Published: 2007/02
This report addresses two important aspects of ATM channel strategy: how current ATM channel strategies align with consumer needs and how financial institutions can augment and enhance those strategies to include customer acquisition. ...

Email Marketing and Online Communication: Using Multiple Interaction Methods to Drive Channel Adoption and Usage
Table of Contents Published: 2007/02
This report provides recommendations as to how financial institutions should alter their email and online communication strategies to create a customer-centric, multi-pronged approach to reaching customers. Only with consistent, highly targeted messaging ...

Authentication for Online Brokerages: Balancing the Demands of Consumers and Regulators
Table of Contents Published: 2006/12
This report provides in-depth coverage of consumer attitudes regarding the security and overall performance of online brokerages, as well as the general outlook that online brokerages have toward online security and regulatory compliance. With the outbrea ...

Consumer Information and Financial Safety Products: Maturing Markets Require Diverse Distribution Strategies
Table of Contents Published: 2006/12
Consumers' desire to feel safe online coupled with the need to better understand the relevant value of safety products presents a growth opportunity for all potential partners in information and financial safety products such as credit monitoring, anti-vi ...

Contactless Technology: Focus on Younger Consumers to Grow Adoption and Acceptance
Table of Contents Published: 2006/12
This report includes data-backed insight into the competitive challenges facing card issuers and payment networks, and in turn the opportunities for wireless carriers and other players regarding contactless technology implementations. Momentum for contact ...

Debit Rewards Programs: Formulating Offerings that Accelerate ROI
Table of Contents Published: 2006/12
Debit card rewards programs are emerging as a formidable tool for financial institutions influence debit card purchase activity. This report focuses on the prevalence of debit rewards programs among all consumers, their preferences for specific reward typ ...

Interactive Financial Messaging: Alerts, Prohibitions, and Review & Release Functions for Evolving Customer Control
Table of Contents Published: 2006/11
This research provides an in depth analysis of the strategic use of email alerts, account prohibitions, and other methods to mitigate fraud, enhance consumer control, and deepen relationships with account holders. FIs must develop an evolving strategy for ...

Reaching Underbanked Latinos: Better Product and Sub-Segment Definition Required to Realize Growth and Retention
Table of Contents Published: 2006/11
This research presents opportunities for reformulating financial institutions' (FI) strategies for reaching unbanked and underbanked Latinos in the U.S. Banks must examine the aggregate Latino population to uncover the products, services and method of del ...

Banking Identity Safety Scorecard - U.S. Financial Institutions Raise the Bar in Self-Detection--Prevention Efforts Are the Next Target
Table of Contents Published: 2006/10
U.S. financial institutions (FIs) have made great strides in customer-facing identity fraud detection and overall behind-the-scenes fraud mitigation, yet still need to capitalize on opportunities to partner with customers for fraud prevention. ...

Beyond FFIEC Compliance: Creating an Evolving Authentication Platform for Higher Lifetime Consumer Value
Table of Contents Published: 2006/10
This report pairs consumer preference research, vendor and financial institution (FI) analysis and previous Javelin research in risk and fraud to create the Evolving Authentication Platform surrounding multi-factor authentication. ...

Health Savings Accounts: Focus on Transactions and Product Development Will Lead to Asset Growth Target
Table of Contents Published: 2006/10
Financial institutions demonstrate a high interest in Health Savings Accounts (HSAs), as they could represent a viable long term opportunity for asset growth. ...

Mitigating New Account Fraud: Reduce Risk and Expand Customer Base with Evolving Authentication Solutions
Table of Contents Published: 2006/10
This report provides both a three year longitudinal assessment of new account fraud statistics, as well as the solutions-authentication and otherwise-that best address new account fraud risks. ...

Credit Monitoring Services: Generating Revenue, Mitigating Losses, and Inspiring Customer Loyalty
Table of Contents Published: 2006/09
Credit monitoring services address identity fraud perpetrated through fraudulent new accounts and reassure customers who fear victimization. ...

Data Breaches and Identity Fraud: Misunderstanding Could Fail Consumers and Burden Businesses
Table of Contents Published: 2006/08
This report is the first ever to show the actual impact that data breaches have on known-cause cases of identity fraud. ...

Debit versus Credit: New Developments Affect Consumer Choice
Table of Contents Published: 2006/08
Debit and credit card issuers must consider the factors that determine consumer choice to intelligently and successfully market payment solutions and determine the direction of the market. ...

Consumer Security Preferences: Increase Online Adoption by Meeting Targeted Needs
Table of Contents Published: 2006/07
Financial institutions can increase adoption of online banking services by using segmented consumer security preferences to cater to certain subsections of their account holder base. ...

Securing Consumer PCs: Overcoming Inaction to Realize Trust and Safety
Table of Contents Published: 2006/07
Consumers are aware of the security measures needed for online account access to protect against identity theft, yet risk of fraud or insufficient adoption exists because they are insufficiently educated as to the appropriate care and maintenance necessar ...

Consumer Adoption of Alerts Doubles: What Do Consumers Want Now?
Table of Contents Published: 2006/06
Due to their adoption growth and their interactive impact on the customer relationship, alerts must rank among the most important features for online banking product managers. ...

Online Bill Viewing and Payment: The End of the "Bank versus Biller" Argument
Table of Contents Published: 2006/06
This analysis provides a new paradigm for fi nancial institutions regarding their online bill payment programs. ...

Card Issuers' Identity Safety Scorecard -The Next Competitive Differentiator: Empowering the Customer
Table of Contents Published: 2006/05
By deploying cardholder-facing prevention and detection capabilities and giving cardholders the tools to better protect themselves against identity fraud, card issuers can differentiate themselves from competitive offerings, strengthen customer retention, ...

Consumer Credit Card Preferences: Using Rewards programs Linked to Interest Rates to Drive Usage and Profitability
Table of Contents Published: 2006/05
New Javelin consumer data provides large credit card issuers with in-depth information on the card features that drive consumer selection and usage. Issuers must often segment their portfolio-marketing cards to small subsections of the consumer population ...

Online Loan Application: Using Multiple Points of Interaction to Drive Conversion
Table of Contents Published: 2006/05
Although online loan application remains a niche application with a relatively low percentage of consumer adoption, several lenders are implementing innovative strategies to drive adoption while decreasing sales costs. ...

The Demographics of Identity Fraud: Through education and vigilance, banks can prepare and protect those most vulnerable
Table of Contents Published: 2006/04
This report-a companion report to the 2006 Identity Fraud Survey Report published in January 2006-examines identity fraud and its characteristics relative to the demographics of its victims. ...

Contactless Payments: New Merchant Data Reveals Opportunities and Threats for Bankcard Issuers
Table of Contents Published: 2006/03
This report is based on a December 2005 survey of over 900 merchants of various sizes in seven different industry categories. The report is designed to help companies derive more value and efficiency in contactless payment implementations, through better ...

Online Banking Safety Scorecard: Banks Must Add Prevention and Detections Mechanisms to Reduce Identity Fraud
Table of Contents Published: 2005/12
Financial institutions employ various methods of protecting consumers who access their accounts online from identity fraud, ranging from prevention, to detection, to post-event resolution. ...

Strong Authentication: Compliance to Competitive Advantage
Table of Contents Published: 2005/11
In October 2005, the Federal Financial Institutions Examination Council (FFIEC) published guidelines that call on financial institutions to upgrade authentication processes by adding a stronger form of authentication during online transactions. ...

Identity Fraud Safety Scorecard for Credit Card Issuers
Published: 2005/06
Javelin Strategy & Research announces new research that measures the cardholder-facing identity fraud Prevention, Detection and ResolutionE capabilities of major credit card issuers. Fraud containment is critical to industry profitability; 2004 credit ca ...

eBill Payment Timing: Unfufilled Consumer Desires are a Looming Threat to Loyalty
Table of Contents Published: 2005/05
In this report, Javelin Strategy & Research presents the results of field research conducted to better understand consumer preferences for various electronic bill payment timing methods ...

Credit Monitoring and Identity Fraud Insurance
Table of Contents Published: 2005/03
This report analyzes the security, marketing, and relationship implications for two services that mitigate the impact of identity fraud: credit monitoring and identity fraud insurance. ...

Identity Fraud Safety Scorecard Banks' Identity Fraud Safety Scorecard Reveals Measured Success and Bountiful Opportunities for Improvement
Table of Contents Published: 2004/11
Amidst areas of progress, the banking industry is lacking many basic online identity fraud mitigation capabilities, within the three categories that Javelin has created as a model for increasing safety: prevention, detection and resolution. ...

Alerts: Consumers Utmost Desires Unmet by Banks
Published: 2004/10
Javelin research identifies key areas where consumers value online-alerts that banks may not even be considering. ...

Check Electronification Efforts Must Align with Consumer Preferences
Published: 2004/09
Despite the growth of debit cards and electronic bill payment, more than 40 billion checks are written every year. Banks and retailers bear the heavy cost of check processing, which is eventually passed on to the public in the form of higher prices. ...