Jeff For Banks
MAY 25, 2013
'The drum is starting to beat again for fee income in the minds of banking executives and in financial institution strategy sessions. This week I heard "hedge" against interest rate fluctuations, a comment more common in the late 1990''s to mid 2000''s. So I ran some numbers, and the answer to the post title is: it depends. Fee income comes in many sources.
Javelin Strategy & Research
MAY 31, 2013
The virtual currency market was initially thought to be exempt from Federal regulation. However, the illegal activities which have flourished as a result of lax regulation have drawn the attention and ire of U.S.
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Money and Payments
MAY 8, 2013
'Today, the European Commission will announce a proposal for a Directive on Bank Accounts that covers the following areas: - comparability of bank account fees: the aim is to make it easier for consumers to compare the fees charged for bank accounts by banks and other payment service providers in the EU;- bank account switching: the purpose is to establish a simple and quick procedure for consumers who wish to change from their current bank account to a different one, with the same or a differen
The Emmerich Group
MAY 10, 2013
'It’s consistent…The one thing that most banks do wrong is sales training. In fact, in most cases, it is a train wreck. Most banks are screaming for loan growth. But they’re not going to get it. They think the only way to achieve that growth is to do traditional sales training. Never, in the history of time has that ever worked. No really…never.
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Jeff For Banks
MAY 18, 2013
'The boss goes to a banking conference and senior management worries what new idea he or she will come back to implement. Sound familiar? I''m currently at a banking conference in Florida at a swanky hotel that I would not go to if not for work. Too pricey, too reserved, and too old. But I can''t complain. I''m waiting for room service as I type. The accompanying picture was my work view yesterday.
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Jeff For Banks
MAY 4, 2013
'On Sundays, I go old school. I pick up the Sunday paper from my sidewalk, go inside, pour a cup of coffee, and read it. On a recent Sunday, the headliner in the Business Section was about the retiring Bob Enck, a long time community banker in my hometown, Elizabethtown, Pennsylvania. Bobby Enck is a relic of an old time era in banking, when you started and finished your career at the community bank in the center of town.
Javelin Strategy & Research
MAY 9, 2013
A client reached out the other day because he noticed that we’re in the process of unveiling a new title for my practice area. From here on, you’ll predominantly hear Javelin describe things from an “omnichannel” perspective rather than a “multichannel” perspective. It’s not just a nuance to provide an excuse to print up new business cards, tweak our website, and update my LinkedIn profile.
Javelin Strategy & Research
MAY 7, 2013
Olivier Berthier raises some important questions in a blog on Finextra about how to address the “subpar” adoption rates for online personal finance management tools. But what struck me most was the question he didn’t ask. There’s a crucial word missing in this look at how personal finance management will evolve: mobile.
Javelin Strategy & Research
MAY 8, 2013
In March 2012, Global Payments was forced to acknowledge that a breach had occurred, but the devil is in the details. Transparency is the last word that anyone would use to describe this massive breach, and for good reason. While MasterCard and Visa alerted issuers of the processor breach, asserting that it began in 2011 and involved the potential compromise of 10 million payment cards, official details of the event have been heavily obfuscated – it’s as though George Orwell had coached their PR
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Javelin Strategy & Research
MAY 5, 2013
Pageonce has succeeded in making a name for itself as a direct-to-consumer personal finance management app that has leapfrogged better-known Mint. Starting today, however, it is setting out to make a name for itself that consumers will recognize. It has rebranded itself as Check.
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