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ARTICLES by Category: Strategy

Jun 18, 2015

Digital Bank or FinTech? You're not a digital bank...

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… 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

Aug 14, 2013

Why Google, Apple and Facebook don't want to be banks...

Recent research has shown that banks spend more on IT than any other industry sector (See Deutsche Bank Research - IT in banks: What does it cost?). In fact, on… READ MORE

Aug 01, 2012

What will it take to restore trust in the banking system?

I grew up in a world where a run on the ‘bank’ was never realistically going to happen. I grew up in a world where when someone wished to declare… READ MORE

Mar 08, 2012

Lessons from Apple - great stores don't bring customers back

The new iPad just launched to the usual hype, anticipation and fanfare. Every time a new Apple product comes off the assembly line, it gets put under the biggest magnifying glass… READ MORE

Jan 18, 2012

Would SOPA/PIPA kill Internet Banking?

The PROTECT IP Act (Preventing Real Online Threats to Economic Creativity and Theft of Intellectual Property Act of 2011), is a proposed law with the stated goal of giving the… READ MORE

Jan 16, 2012

The upside and downside to the digital shift

I'm starting to hear of some very significant digital and multi-channel budgets being put in place by many of the leading retail banking brands in 2012. It's about time! While… 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

Nov 23, 2011

Who's easier to save, a banker or a dictator?

Bankers often talk about the 'trust' consumers have in banking as a defining characteristic of why customers give banks their money instead of simply keeping it under a mattress. Some… READ MORE

Nov 18, 2011

Changing your banking instinct

Without thinking consciously about it, over time core behaviors change producing different instinctive reactions. When a phone rings today, we go to our pocket or purse, not running to a… READ MORE

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