Chris Skinner
JULY 7, 2016
When someone sends me something interesting, I can’t help but share it so this insight from Susan Visser came at just the right moment. Susan and I have exchanged various ideas over the years, so here’s her view of the key Fintech trends. Summary Data is having a tremendous impact on customer experience, and through enhanced insight … The post The 6 biggest trends in #Fintech today appeared first on Chris Skinner's blog.
Payments Dive
JULY 5, 2016
David Salisbury, the vice president of sales and marketing Star Cloud Services, discusses a pressing issue in this industry: the lack of digital receipts in all mobile wallets.
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Bank Innovation
JULY 8, 2016
TD Bank’s U.S. mobile customers just got a major app upgrade. Tablet users, your upgrade is coming in the fall, Bank Innovation has learned. TD’s iOS users (finally) have the option to skip the passwords and make use of Touch ID. Customers also got a greater transfer functionality, allowing them to Read More.
Abrigo
JULY 19, 2016
With the recent release of the Financial Accounting Standards Board’s (FASB) guidance on the Current Expected Credit Loss (CECL) model , Sageworks ' Summit is uniquely positioned to provide the latest information on how institutions can prepare for the changes and what the impact may be once effective. The 2016 Risk Management Summit features experts from the American Bankers Association, CliftonLarsonAllen, Crowe Horwath, Grant Thornton, KPMG, and Promontory Financial Group, among others.
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It's the time of year to give our close process some TLC. Join us in this one hour webinar where we discuss how to adopt leading practices and infuse technology into the month-end close process to improve our experience and increase our productivity during month-end and quarter-end close. Learning Objectives: This course's objective is to understand how the month-end close can be improved with automation and adoption of leading practices.
South State Correspondent
JULY 13, 2016
To be clear, earlier this week, we already had people in our bushes hunting around for small fictional characters, so the idea of being proactive and actually purchasing the "Lures" wasn’t that much of a stretch. The real hilarity ensues when you find yourself explaining why your avatar needs to go to the “Pokémon Gym” because there is an important battle with Charizard on the horizon instead of talking about BSA regulatory issues, but this is the new world we find ourselves in.
Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
Chris Skinner
JULY 5, 2016
I’ve published a few summaries of the best of blockchain research earlier this year (February and March). There’s been a load more since, but Brave New Coin has curated a nice summary of all those that came out in the last quarter. As they publish my content sometimes, here is their list (click on the titles to see the reports): … The post The best blockchain research papers, Q2 2016 appeared first on Chris Skinner's blog.
Payments Dive
JULY 29, 2016
Not all apps are created equal, and consumers don't have the patience to wait while you to get it right.
Bank Innovation
JULY 7, 2016
Wells Fargo & Co. is keeping busy on the digital payments front this summer. In late May, the bank announced it will launch a mobile wallet in the coming months. Last week, the bank joined the clearXchange realtime payments network, and will offer instant P2P payments starting August 1. Ahead of the Read More.
Abrigo
JULY 29, 2016
When looking to interview candidates to grow your accounting or valuation firm, what is your greatest concern? Is it recruiting and managing the process? Facilitating a flow throughout the actual interview? Follow-up or determining the right questions for the interview? If asking questions is your challenge, you are not alone. During a recent Sageworks webinar, “Interviewer Do's and Don'ts for Finding the Right Candidate, ” more than half of webinar attendees indicated that their greatest concer
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Incorporating generative AI (gen AI) into your sales process can speed up your wins through improved efficiency, personalized customer interactions, and better informed decision- making. Gen AI is a game changer for busy salespeople and can reduce time-consuming tasks, such as customer research, note-taking, and writing emails, and provide insightful data analysis and recommendations.
PYMNTS
JULY 11, 2016
There’s another digital currency in town, and its name is YoCoin. The question is: Can YoCoin give bitcoin a run for its money? We’ll have to wait and see. But YoCoin is pitching itself as a “new cryptocurrency with mainstream appeal.” “Unlike most of the alternative cryptocurrencies, YoCoin is a decentralized, peer-to-peer digital currency based on the Scrypt mining algorithm, making it far more accessible than bitcoin is when it comes to mining.
Accenture
JULY 19, 2016
The French philosopher Voltaire was known for his intelligence, sharp wit and provocative ideas. On his deathbed, a priest advised him to denounce Satan, to which Voltaire is said to have replied: “Now, now my good man, this is no. Read more.
Chris Skinner
JULY 8, 2016
I can remember a few years ago that the UK pound was almost at the level of being valued at $2. Two dollars to the pound. Amazing. I brought a lot of American stuff that year. Yesterday, I bought something and it was $1.30 to the pound. Shoot. The dinner for $100 that a few … The post The case for bitcoin (or something like it) appeared first on Chris Skinner's blog.
Payments Dive
JULY 21, 2016
Robert McHugh, the co-founder of Paydunk, examines how Apple's recent announcement further fragments the industry.
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Automation is changing the game for commercial lenders, offering a clear path to competitive advantage in 2025. Rising costs, outdated workflows, and manual data entry slow growth and impact borrower satisfaction. Automation addresses these challenges, reducing costs, speeding up loan cycles, improving accuracy, and elevating borrower experiences. With market uncertainty easing, now is the time to act—waiting until loan volumes rebound leaves lenders unprepared and struggling to compete.
Bank Innovation
JULY 1, 2016
That’s right — it’s another bot. This one’s from New Zealand software designer Ben Lynch and is called Jude. Bots are huge everywhere — Facebook Messenger now hosts more than 11,000 — but lately, meaning, this week, they have made a strong push into financial services. Jude launched in May Read More.
Abrigo
JULY 18, 2016
By Carl Streck, Co-founder and CEO, Mountainseed In a perfect world, an appraisal would land on your desk free of error. However, as we know, the world isn’t perfect, and as such, neither are appraisals. With the average appraiser completing between 220 and 240 appraisals per year, it’s only natural that mistakes happen. While finding mistakes can be tedious, including a mindful checklist in your appraisal process can help you be aware of some of the common mistakes you should be on the lookout
South State Correspondent
JULY 28, 2016
It was back in 2014 when researchers at DeepMind directed their nascent artificial intelligence application to the game Breakout. Instead of programming DeepMind on how to play the game, the researchers programmed DeepMind to learn about learning to play the game. That is a meta level that isn’t normally programmed but the result of that effort, combined with many others, was in the back of our mind when we turned some artificial intelligent tools towards customer data.
Accenture
JULY 27, 2016
I’ve worked with banks for over 25 years, and their cost-cutting cycle is becoming depressingly familiar. The external environment deteriorates, profit plans are missed, shareholders get nervous, and a decree comes from the c-suite to cut costs. In response, obvious. Read more.
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Remote Deposit Capture (RDC) clients are more likely to use additional treasury services and maintain larger deposits. However, poor customer experiences—particularly if they delay deposits—can compel RDC clients to take their business elsewhere. This eBook makes the case for outsourcing RDC operations to a proven managed services partner. This approach helps Treasury Departments with limited resources provide excellent client experiences that result in higher retention and productivity rates.
Chris Skinner
JULY 6, 2016
I sat through a discussion of FinTech last night. The theme was how FinTech is changing the business model of banking and a bunch of bankers focused upon the issue. From the dialogue, there were clearly four big buckets of change: Regulations and how they impact the incumbents and the challengers Data and the permissibility … The post Four big buckets of banking change, and the implications therein appeared first on Chris Skinner's blog.
Payments Dive
JULY 22, 2016
MasterCard's decision to enable banks to add an in-store payments element to their mobile banking app for NFC-ready Android smartphones has rekindled an industry debate about what works best for financial institutions and proximity mobile payments.
Bank Innovation
JULY 7, 2016
A trifling blogger on banking innovation writes to the Office of the Comptroller of the Currency, despite its historically apathetic view on such matters.
Abrigo
JULY 27, 2016
All financial institution personnel play a role in the maintenance of positive asset quality through loan portfolio management, especially during periods of growth. The credit process inherently has risks. But as the OCC instructs examiners in its Comptroller’s Handbook, loan portfolio management is the process by which these inherent risks are managed and controlled.
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Have you ever felt the pain and loss of a client suddenly going silent, leaving you questioning everything? Ghosting can cause heartbreak; in business, it drains resources, and emotionally, it shatters your confidence. A modern credit card program can give you the tools to deliver the digital-first experiences your customer’s demand. Our eBook, “5 Signs Your Credit Card Offering Needs an Upgrade,” will help you identify key indicators that your current card platform may be holding you back and w
South State Correspondent
JULY 27, 2016
In this third blog in a series on commercial lender compensation (previous parts HERE and HERE ), we propose compensation structures for two banks in different markets and challenges.
Accenture
JULY 26, 2016
Retail banks are focusing on small business lending as a revenue stream in a competitive market. But what exactly do small business owners want from banks? Digital banking options are high on their list. Digital demand is on the rise. Read more.
Chris Skinner
JULY 27, 2016
I just spent a weekend in Thailand at the Techsauce Summit. It was a great conference, and it reminded me of the time I’ve spent in Asia lately. After the books Digital Bank and ValueWeb were translated into Korean, Chinese and soon to be Japanese, I guess the region is interested in my thinking. Or … The post The Rise of #Fintech Asia appeared first on Chris Skinner's blog.
Payments Dive
JULY 19, 2016
Jack Jania, senior vice president of strategic alliances for Gemalto, tries to clear the air about all the different acronyms in mobile payments.
Speaker: Brian Muse-McKenney, Chief Revenue Officer & Matt Simester, Cards and Payments Expert
In today’s world of social media, dating apps, and remote work, businesses risk becoming irrelevant (or getting "ghosted") if they fail to meet the evolving needs of Gen Z consumers. Credit cards with flexible payment options, especially for young adults with little-to-no credit history, are a particularly important and valuable solution for this generation.
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