Finer Points
SEPTEMBER 22, 2015
When most people want a tissue, they say they need a Kleenex. When you cut your finger, you don’t say you need an adhesive bandage—you need a Band-Aid! When you need to make a photocopy, regardless of the brand of the machine, you make a Xerox copy. Many marketers would consider this a compliment, especially […].
Celent Banking
SEPTEMBER 9, 2015
I´ve recently had multiple conversations with financial institutions about the trend of unbundling financial services by fintech startups. In fact, it’s hard to discuss the future of the industry without touching on it. Articles from Tanay Jaipuria , Tech Crunch , and CBInsights speak openly about inexorable disruption. They all tell a fairly similar story.
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SWBC's LenderHub
JANUARY 8, 2015
'Lending is a vital component of your business, and you simply can’t afford to lose valuable loans to competitors. Effective lending strategies combined with a well-trained and engaged staff can and should deliver immediate, significant and sustainable double digit loan portfolio growth across all product lines year after year.
Banking 4 Tomorrow
JUNE 29, 2015
For over 100 years employment has been shifting out of big industry and into services. Whether agriculture, fishing, mining or in the last 50 years manufacturing, as processes become automated, we’ve shifted to jobs where humans matter. But in a world where the ability of a human is surpassed by artificial intelligence, there is a […].
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Join us in this webinar, where we share best practices on how to think about the reconciliation work each month, when best to do reconciliations, how they should be prepared, and some common pitfalls to avoid. Learning Objectives: This course objective is to understand how to properly prepare and review balance sheet reconciliations and its impact on the financial statements.
Banking 2020
MARCH 6, 2015
'Gamification. The very word is cringe-inducing, the epitome of a vaguely defined concept that consultants hype for a while but never actually has an impact. In fact, the term has to do with gaming mechanics (albeit in non-game contexts) which makes it even more fad-like. It’s also fair to ask what this has to do with banking anyway. We’re not here to play games and have fun, are we?
Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
ABA Community Banking
JULY 1, 2015
Book Review: Yet, does digital marketing differ from marketing? Retail Banking Blogs Channels Books for Bankers.
Your Full Potential
SEPTEMBER 9, 2015
Allegedly, when John Adams met George Washington for the first time just prior to the outbreak of the Revolutionary War, he turned to a colleague and told him that Washington “would be leading something someday.” We all know how that went. Some people are natural born leaders. I truly believe this. Of course, there is another viewpoint that leadership has to be learned.
Bankelele
APRIL 27, 2015
Earlier this month, I took a trip to the Lamu county at an invitation from the Gulf Energy side of Amu Power, and Gulf are the leading a project that will see the construction of a coal power plant that will generate 980 MW for Kenya. This is part of an ambitious project by the government to invest in and diversify its future energy generation capacity, from one that’s relied for years on hydropower dams and more recently to diesel, geothermal and wind power sources.
Tomorrow's Transactions
MARCH 26, 2015
'Technologically speaking, the credit card as we know it should have vanished long ago. It’s surely not got much longer. As you may recall, the UK Government has for a while been looking at APIs in banking… The UK Government is to launch a ‘Call for Evidence’ on how APIs could be used in banking to improve transparency and help customers compare financial services providers.
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Treasury teams at community banks face an ongoing challenge of delivering frictionless customer experiences as they support treasury products – especially RDC. This infographic focuses on the efficiencies community banks gain when partnering with a proven managed services provider. You’ll see the advantages you can gain when a managed services partner leverages online tools, skilled customer and technical support personnel, and fulfillment and logistics capabilities to streamline RDC fulfillment
Fintech Labs Insights
SEPTEMBER 17, 2015
The Best of Show votes for FinovateFall 2015 have been cast and counted! After two days and 70 live demos of the latest in fintech innovation, our attendees have made their opinions known as to which companies have earned the title of “Best of Show” ( see footnotes for voting methodology ). This year at FinovateFall, it was the debuting companies that made some of the biggest impressions on our record-setting Finovate audience.
The Financial Brand
OCTOBER 20, 2015
The rise of digital tech and marketing has altered the way business is done around the globe — in almost every way possible. These advances, which are happening faster and faster, and will leave financial institutions behind if nothing changes. Banks and credit unions that are quick to adapt, and adopt proven effective digital marketing […].
Celent Banking
FEBRUARY 26, 2015
'The branch is dead, long live the branch! Controversy around the wisdom (or not) of investing in the branch channel amidst rapidly growing digital banking adoption is showing no signs of letting up. Consider three articles published in the past week: Bank Innovation covering Associated Bank branch closures to fund digital channel initiatives. BTN coverage of Wells Fargo branch/digital convergence alongside the banks’ steadfast advocacy for maintaining its massive branch presence.
Celent Banking
JUNE 30, 2015
Corporate treasury departments initiate and approve millions of dollars in high-value payments on a daily basis. As an example, in May 2015 the average amount of a US Fedwire transfer was $5.7 million. Because of the dollar value of these transactions, banks were early adopters of enhanced authentication for corporate online banking applications. Many banks continue to offer one-time-password authentication (on top of traditional username and password) using RSA SecurID or Vasco DIGIPASS hardwar
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Amid market uncertainty, banks and credit unions are faced with critical decisions about the future of their commercial lending. With fluctuating interest rates and rising competition from non-bank lenders, it's critical to allocate your 2025 budget strategically to optimize lending operations. Our Budget Playbook for Commercial Lenders delivers key strategies to help you navigate these challenges, ensuring your institution is well-positioned for the coming year.
Banking 4 Tomorrow
JUNE 18, 2015
If you listen to the Breaking Banks AM Radio Show today (also available via stream and podcast) you’ll hear a spirited rematch of the Great Digital Banking Debate that Michal Panowicz and I had on Twitter a few weeks ago. The debate concluded with a split decision – Twitter declaring the FinTech team the winner, […].
Banking 4 Tomorrow
APRIL 13, 2015
'How does one predict the future? Admittedly it is easier to predict what will happen 5 or 10 years from now, than 50 years, but at the same time, we’ve got trouble predicting what the stock market or weather patterns will do a few weeks from now, let alone the banking system. However, when we […].
Banking 2020
APRIL 28, 2015
Digital banks are no longer in the ‘money’ business but rather, in the ‘value’ business. This value is not just providing a functional benefit but also a holistic experience, (i.e. ‘what, when and how’ of the benefit), that customer values in the experience-based economy. Unlike in the past, when more than two products from one bank made a customer loyal, customer behavior is fleeting and their expectations for digital banking is increasing every day, because technology is giving them numerous c
Banking 2020
MARCH 10, 2015
'Daily, I have been reminded by the government, that the signs of economic recovery are all around me. It certainly doesn’t feel that way, but it leads to an interesting discussion about economic change. Small business has always been the axiom of contributing factors to the success of the US economy. But in modern reality, the prevailing thought was that the economy had to be led by banks.
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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
Banking 2020
MARCH 12, 2015
'It’s not a buzzword, and it can’t always be clearly defined, but it’s vital. Mobile. Cloud. Big Data. The Internet of Things. Some technology buzzwords become so embedded in the lexicon they reach cliché status at warp speed. It’s not that the concepts themselves aren’t valid—in fact, they’re absolutely vital. However, they’re also so broad they mean everything and nothing at the same time.
Banking 2020
MAY 12, 2015
*José Resendiz originally spoke on this topic during an NCR Corporation TEDx Talk in April 2015. A blog like this may not seem like the forum to talk about undertaking an Olympic triathlon, but it actually makes perfect sense. It didn’t just make me better at my job, it taught me to approach my work in an entirely different way. Specifically, it taught me about customer empathy and experimentation as two good tools to use in innovation.
Banking 2020
AUGUST 25, 2015
It’s all too easy to talk about payments in terms of convenience from the very narrow consumer perspective. It’s easier to tap and go with your contactless card than to use cash at a till, but is it really transforming lives? In the developing world, however, the power of mobile banking and payments to radically improve the lives of people in poverty is something that deserves attention.
Banking 2020
MAY 27, 2015
Nearly 60 percent of smartphone owners have used their device to bank online, according to new data collected by the Pew Research Center. Small-business owners can leverage on-the-go banking or cloud-based accounting systems that can be accessed on a mobile device to gain operational efficiencies and lower overhead costs, but the need to keep financial information secure is as critical as ever.
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.
Banking 2020
APRIL 22, 2015
The level of hype surrounding wearable technology almost seems undeserved, particularly given the relative lack of adoption. Sure, there are cool new devices emerging on a regular basis, the early adopters are like kids in a candy store, and it’s already had a big effect in activities like fitness. But for a discipline that’s actually been around for quite a while—an eternity in tech time—it’s surprising how few people have embraced the new capabilities.
Banking 2020
MARCH 17, 2015
'I love my mobile banking app. When I sign in from my New York office, it greets me with a cheery “Good Afternoon,” with a backdrop photo of nearby Washington Square Park. In San Francisco last month, it wished me “Good Evening,” against a nighttime photo of the Golden Gate Bridge. Sure, I can check my balance and transfer money. But I expect to be able to do that.
Banking 2020
AUGUST 17, 2015
As the famous Apple ads once said, no matter what you want to do with your smartphones, there’s an app for that. And these days, this includes managing all your finances on the move. With demand for these services growing among consumers, having a fully-functioning mobile app is no longer a nice-to-have extra for banks, but an essential part of their offering.
Banking 2020
FEBRUARY 17, 2015
'For everyone from lazy millennials in the suburbs to disadvantaged denizens in under-developed regions, this is a game-changer. It almost seems inevitable. Just as the onset of online banking capabilities upended traditional industry practices, the slew of mobile banking apps now on the market, and the heavy adoption of those technologies by ‘millennials’ in particular, was bound to make even online banking look old-fashioned.
Speaker: Gary Dmitriev
Our upcoming webinar aims to demystify the process of selecting and implementing automation tools for financial institutes. This session will provide your roadmap for vetting potential solutions, focusing on due diligence, vendor assessments, and aligning technology with strategic goals. We’ll also address the critical issue of innovation fatigue, offering tips on maintaining enthusiasm and momentum for new initiatives.
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