Bank Innovation

JANUARY 9, 2014

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Jeff For Banks

JANUARY 6, 2014

'Here is a question that dogs us: should we follow a strategy that drives top quartile performance in operating expenses or cost of deposits? If your answer is "yes", your execution better be flawless. Because the two don''t often go together. In my search, described below, only one bank made top quartile performance in both categories. The low operating expense bank typically comes with a limited branch network.

Strategy 89

Strategy Operations Lending Resources 89

Banking 4 Tomorrow

JANUARY 28, 2014

'I was in India a few weeks ago speaking to the Reserve Bank and most of the primary Retail Banks about the impact of mobile and social media on the industry there. The new RBI Governor in India, Raghuram Rajan, has ruffled some feathers with his unconventional approach thus far, but he has his work cut out […].

Branch Strategies 48

Branch Strategies United States social media Customer Experience 48

Javelin Strategy & Research

JANUARY 23, 2014

Originally posted 1/14/14 Google’s $3.2 billion acquisition of Nest Labs means it’s only a matter of time before some sharp investigator in a crime or terrorism drama taps into a home thermostat to detect if a suspect is in the building – and then turns up the heat by ordering a S.W.A.T.

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Money and Payments

JANUARY 28, 2014

'In July last year, the European Commission published a proposalfor a revised Payment Services Directive (PSD). The proposal draws on the work of the SecuRePay forum of supervisors and requires ‘strong customer authentication’ when a payer initiates an electronic payment transaction. Strong authentication Strong authentication is defined as a procedure for the validation of the identification of a natural or legal person based on two or more elements categorized as knowledge, possession and inhe

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Fraud Regulation Security Payments 29

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JANUARY 9, 2014

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Bank Innovation

JANUARY 9, 2014

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Jeff For Banks

JANUARY 11, 2014

'Americans are becoming more responsible for their financial well being now and into retirement. According to a 2012 Boston College Center for Retirement Research study , 63% of American males (why only males I do not know) participated exclusively in defined contribution (DC) retirement plans in 2007, up from 47% in 1992. Those that participated in defined benefit (DB) pension plans was 16% in 2007, down from 31% in 1992.

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Jeff For Banks

JANUARY 18, 2014

'We’ll Miss You, Ben Now that the holidays are over, it is time to recognize that January, 2014 marks the last month as Federal Reserve Chairman for our favorite helicopter pilot, Ben Bernanke. He was just in Philadelphia on January 3rd delivering his last public speech and he nostalgically proclaimed that “the recovery remains incomplete,” which will qualify his comment for the understatement of the year award.

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Philadelphia Policies US Marketing 83

Javelin Strategy & Research

JANUARY 24, 2014

One of Javelin’s goals is to identify when there’s a disconnect between what consumers want and what bankers think consumers want.

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