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ARTICLES by Category: Engagement Banking

Jun 29, 2015

Advice and Paper Pushing in Banking will be Killed by AI

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,… READ MORE

Aug 12, 2014

Enough already with the "Branch of the Future"

Whether it is Bank of Queensland with their Hipster Branch launch, Citi's famedApple-Store Branches, NAB's Crowd concept, Unicredit "Branch of the Future" in Italy and Bulgaria, PNC's Tellerless Branches, smaller regional players likeSouth Shore Bank and… READ MORE

Nov 04, 2013

Why smartphones will kill credit card rewards

Credit cards are expensive. According to BankRate.com the average US annual percentage rate (APR) charges on credit cards is 15.35%[1], but that’s down in recent years. During the financial crisis… READ MORE

Oct 28, 2013

In 5 Years, 50% of revenue will be digital

Where’s the revenue going to come from? Mobile use is exploding in the banking scene. If you are a retail bank today in the developed world and you don’t have… READ MORE

Jan 16, 2013

Two big predictions

Ron Shevlin (@rshevlin) and Jim Bruene (@netbanker) and I have been back and forth Ron's article today on so-called NeoChecking Account and the news of the GoBank (http://www.gobank.com) launch here in… READ MORE

Jun 04, 2012

Do you need a Banking License to do Banking?

Clearly, to be a deposit taking bank and offer products like Mortgages, loans, savings accounts and so forth, it would be easier to have a bank charter. However, today the… READ MORE

Feb 01, 2012

The new banking distribution layer

There's a great deal of discussion and debate around what will ultimately happen to banking as a result of the massive changes in connectivity, utility, mobility and customer experience taking… READ MORE

Dec 22, 2011

Why snail mail is dying, and taking your identity with it...

There has been a 25% decline in the total mail volume for the USPS (United States Postal Service) from 2006-2011, resulting in a $5.1 Billion loss in 2011 alone. Since 2007… READ MORE

Dec 14, 2011

P2P gets its groove on!

No one could doubt that peer-to-peer lending (or P2P Lending) has landed big time in 2010, but it looks as if the best is just about to come. The US… READ MORE

Oct 19, 2011

Transparency, Broken Risk and the Loss of Physicality

Recently I've been discussing with bankers, economists, strategists and futurists the future of the banking industry. At a time when we've got the likes of the "Occupation of Wall St"… READ MORE

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