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  • Banks ready for battle for supremacy in Apple Pay Passbook

    The Bankwatch
    Colin Henderson
    16 Sep 2014 | 8:30 pm
    Early signals in US that Apple Pay with its simple NFC interface is ready to make a big impact. This could also be the kickstart NFC has been lacking. US banks race to gain Apple Pay card advantage But while all the major banks have allocated large budgets to the battle, they do not have a free hand in what they can do. Marketing staff from the banks are due to meet at Apple’s headquarters in Cupertino on Tuesday, according to people familiar with the matter, to receive strict guidelines on how they can advertise Apple Pay to customers. …. The largest card issuers – led in the US by…
  • Why (Most) Banks Need Not Worry About Apple Pay (Yet)

    NetBanker
    Jim Bruene
    15 Sep 2014 | 5:04 pm
    I'll admit to being caught up in the hype. The 48 hours after Tim Cook revealed Apple's long-rumored foray into payments were some of the most exciting times in fintech since the 1995 to 1997 period when most of the online "firsts" happened (see note 1). And we're seeing more thoughtful fintech posts in the past week than we used to see in an entire year. Thanks especially to Tom Noyes, Cherian Abraham, Brian Roemmele, Celent's Zilvinas Bareisis and finally today from Gonzo's Steve Williams for helping me see beyond the hype. I can add little that hasn't already been said to the discussion…
  • Apple Pay: It’s Your Life?

    Payments Views from Glenbrook Partners
    Carol Coye Benson
    12 Sep 2014 | 3:00 am
    These are some personal observations on Apple Pay, after an exciting week of reading announcements from Apple and reactions from bloggers. (If you want a Glenbrook business view on the announcement, read Wednesday’s post by my partner George Peabody.) For several years we’ve been talking, at Glenbrook, about how mobile payments take a back seat, in terms of importance, to mobile commerce – how it is the “tail that wags the dog.” We’ve been particularly focused on what enables merchants to “sell more”, whether by offering coupons, or loyalty programs, or…
  • Everyone Wants Under the Apple Tree

    Gonzobanker.com
    Steve Williams
    15 Sep 2014 | 12:02 pm
    Well it happened. We knew it was coming. It may have even taken a bit longer than expected but it happened. Never in the history of payments has there been such a media-frenzied, corporate disrupting and consumer-captivating moment as last week’s unveiling of Apple Pay as part of this week’s release of the iPhone 6. Make no mistake – this was a direct “pyrus malus” hit into an entrenched and profitable caste system of payment providers. Changing the trajectory of an existing payment system is difficult because it’s basically a powerful, self-reinforcing feudal power system.
  • Consumer Finance Agency Seeks to Broaden Oversight of Auto Loans

    NYT > Banking Industry
    17 Sep 2014 | 2:13 pm
    The Consumer Financial Protection Bureau wants to extend its authority to include 38 non-bank auto lenders that provided financing to 6.8 million consumers last year.
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    Gonzobanker.com

  • Everyone Wants Under the Apple Tree

    Steve Williams
    15 Sep 2014 | 12:02 pm
    Well it happened. We knew it was coming. It may have even taken a bit longer than expected but it happened. Never in the history of payments has there been such a media-frenzied, corporate disrupting and consumer-captivating moment as last week’s unveiling of Apple Pay as part of this week’s release of the iPhone 6. Make no mistake – this was a direct “pyrus malus” hit into an entrenched and profitable caste system of payment providers. Changing the trajectory of an existing payment system is difficult because it’s basically a powerful, self-reinforcing feudal power system.
  • Do We Need Better System Integration or Fewer Systems to Integrate?

    Terence Roche
    3 Sep 2014 | 1:22 pm
    “We are stuck with technology when what we really want is just stuff that works.” ―Douglas Adams, the Salmon of Doubt If I were to go to most bankers today and ask them what one thing they would do to improve their systems environment, a large number would say better integration of the systems they are using. Ten years ago, if I had asked them that same question, the majority probably would have said – hang on to your hats here – better systems integration. Despite a lot of focus on middleware, application programming interfaces (APIs) and other tools, this issue has never…
  • Lack of an M&A Strategy May Leave You Dateless at the Prom

    Scott Sommer
    22 Aug 2014 | 11:28 am
    In 1984 a record high 18,000+ banks existed in the United States. Thirty years later we find that the number has plummeted to 6,700 with all indication pointing to further consolidation. The vast majority of exits came from banks with less than $100 million in assets, and more than 10,000 of these institutions left the financial services landscape between 1984 and 2011 due to mergers and failures. At the same time, the pace of new bank charters has dwindled to near non-existence. For decades and decades, dozens, if not hundreds, of bank charters were issued each year. Between the end of 2010…
  • Execute the Lip Service Out of Your Digital Transformation

    Michael Croal
    6 Aug 2014 | 12:46 pm
    If information is the new currency, why don’t we treat it as such? For decades banks built layers of dual control checks and balances for staff that handle the Benjamins. We have paid couriers millions to move bags of greenbacks between branches. Yet now that information has supplanted the almighty dollar as the critical factor for achieving a competitive advantage, we apparently could care less as we watch this new digital currency fall from the back of the armored truck and blow down the information superhighway. In the ebook Information Chaos vs. Information Opportunity, AIIM President…
  • GonzoLender’s Top 5 Tips for Selecting a Loan Origination System

    Daryl Jones
    28 Jul 2014 | 11:21 am
    2014 is turning out to be a year in which many financial institutions are considering replacing aging or inadequate loan origination technology. Let’s just get this out of the way right up front: most bankers rank going through a formal system selection process right up there with a trip to the dentist. The biggest difference is that if the system selection is not done properly, the pain lasts a hell of a lot longer. So, having dispensed with the pleasantries we’ll move right along and in the spirit of Kramer, just say “Giddy Up!” It’s time to make the rounds throughout the industry…
 
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    NetBanker

  • The Conference Journey: Why We Started FinDEVr (and Finovate)

    Jim Bruene
    17 Sep 2014 | 4:56 pm
    I just stopped by the Green Lake (Seattle) coffee shop where Eric Mattson and I first hatched the plans for Finovate seven years ago. At that time, we were so focused on selling enough tickets to pay the Midtown Manhattan-sized bills, we had few thoughts on the long-term plan.  Fast forward seven years. A week from today we'll be in NYC for the eighth time hosting the largest Finovate ever, closing in on the 1,500 mark for the first time (much appreciated everyone!!!). Thanks to a surging local fintech community, the NYC event is even outselling the San Francisco area one for the first…
  • FinovateFall 2014 -- Less than 50 tickets left! Don't miss out!

    Eric Mattson
    16 Sep 2014 | 7:28 pm
    FinovateFall 2014 is next week and it's official that the event will be the largest Finovate to date! Over 1,300 tickets have already been sold and we have less than 50 remaining! If you're interested in attending to see the future of fintech debut live on stage via our fast-paced demo-only format, please get your ticket as soon as possible to lock in your seat. As usual, the auditorium is going to be packed a potent blend of innovative bank execs, fintech entrepreneurs, venture capitalists, press, and industry analysts. In case you're curious, below is a small sample of the great…
  • Why (Most) Banks Need Not Worry About Apple Pay (Yet)

    Jim Bruene
    15 Sep 2014 | 5:04 pm
    I'll admit to being caught up in the hype. The 48 hours after Tim Cook revealed Apple's long-rumored foray into payments were some of the most exciting times in fintech since the 1995 to 1997 period when most of the online "firsts" happened (see note 1). And we're seeing more thoughtful fintech posts in the past week than we used to see in an entire year. Thanks especially to Tom Noyes, Cherian Abraham, Brian Roemmele, Celent's Zilvinas Bareisis and finally today from Gonzo's Steve Williams for helping me see beyond the hype. I can add little that hasn't already been said to the discussion…
  • FinDEVr 2014 Last Chance for Early-Bird Tickets!

    Eric Mattson
    11 Sep 2014 | 2:58 pm
    FinDEVr San Francisco 2014 -- our first event focused on fintech developers -- is less than three weeks away and we are getting very excited! After months of anticipation, we've announced the full presenter roster and action-packed two-day agenda. The show is going to be an incredible showcase of the tools, platforms and APIs that are being used to build the next generation of fintech innovation. Tickets are selling quickly ahead of the early-bird ticket deadline this Friday (register now to save) and we're expecting a crowd of 400-500 innovators. In case you're curious, here is a…
  • Launching: Self Lender Helps Build Credit with Digital "Credit-Builder" Loans

    Jim Bruene
    9 Sep 2014 | 4:55 pm
    Ever since the financial debacle of 2008, it's been harder for consumers to establish their first credit account. Therefore, with no credit history or score, it becomes even harder to get credit. That's created a Catch-22 around new credit that Denver-based startup Self Lender looks to address. The company launched today at TechCrunch Disrupt (see full presentation here, at bottom of post). Self Lender has a fairly straightforward value proposition. Agree to transfer a certain amount of money to yourself for a set period of time via the Self Lender platform. Self Lender reports the payments…
 
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    Payments News - from Glenbrook Partners

  • Headline News from PaymentsNews.com - September 17, 2014

    Payments News Editor
    17 Sep 2014 | 12:18 pm
    On the Web: Macy's to Roll Out Beacon Technology in All Stores This Fall - BostInno - "The department store company is expanding its partnership with shopkick, the Silicon Valley-based shopping app founded in 2009, and by the end of September, 4,000 Macy's stores nationwide will have incorporated the shopBeacon technology." Discussion Paper Released: Consumer Use of Fraud Alerts and Credit Freezes: An Empirical Analysis - "Consumers who file extended alerts are more likely to be actual victims of identity theft. We find that consumers are heterogeneous in their choice of alerts and that their…
  • Headline News from PaymentsNews.com - September 16, 2014

    Payments News Editor
    16 Sep 2014 | 6:47 am
    On the Web: KKR Banks on Bisignano Forging Apple Deal at First Data - Bloomberg - “It was an unparalleled property that had been run like a utility,” Bisignano, 55, said in an interview in the company’s New York office. “We came in and said: ‘We’re going to grow this thing.’” Why (Most) Banks Need Not Worry About Apple Pay (Yet) - NetBanker - "The one area I haven't seen covered: What does all this mean for the 10,000 U.S. banks and credit unions not on the 11-name list at launch?" iPhone 6’s NFC will only be usable for Apple Pay—at…
  • Headline News from PaymentsNews.com - September 15, 2014

    Payments News Editor
    15 Sep 2014 | 6:09 am
    On the Web: The New AmEx - Barron's - "While 64% of card purchases were for travel and entertainment in 1990, those areas now make up just 26% of spending on the cards." The Critical Path #122: Where the Money is - Asymco.com (Horace Dediu) - "How and why does Apple get paid for Apple Pay? Anders and Horace dive into the payments value chain and break it all down for you: whats in it for users, merchants, issuing banks and payment networks." Why Apple Pay could succeed where others have had underwhelming results - ArsTechnica - "Instead, Apple Pay will succeed where others have seen only…
  • Headline News from PaymentsNews.com - September 12, 2014

    Payments News Editor
    12 Sep 2014 | 6:15 am
    On the Web: Apple Pay: It’s Your Life? - PaymentsViews.com (Carol Coye Benson) - "Apple Pay, particularly with Apple Watch, is going to simply be part of how I live my life – convenient, always there, and deeply integrated into other Apple apps, devices, and experiences." Banks Did It Apple’s Way in Payments by Mobile - New York Times - “There are schemes that don’t respect and honor the payment networks,” said James Anderson, the senior vice president for mobile product development at MasterCard. “We want to invest in programs that respect our role…
  • Headline News from PaymentsNews.com - September 11, 2014

    Payments News Editor
    11 Sep 2014 | 6:13 am
    On the Web: Apple Pay Stirs, But Doesn’t Shake, the Mobile Landscape - PaymentsViews.com (George Peabody) - "Looked at it from the payment context alone, Apple Pay does not do a great deal more than what Softpay/Isis and Google Wallet have already achieved. But the combination of Apple’s design focus and its assumption of a reasonably non-threatening role within the payments ecosystem should make a difference." MasterCard Loses EU Court Case Over Interchange Card Fees - Wall St. Journal - "Europe's top court on Thursday backed a decision by the European Commission to ban…
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    The Bankwatch

  • Banks ready for battle for supremacy in Apple Pay Passbook

    Colin Henderson
    16 Sep 2014 | 8:30 pm
    Early signals in US that Apple Pay with its simple NFC interface is ready to make a big impact. This could also be the kickstart NFC has been lacking. US banks race to gain Apple Pay card advantage But while all the major banks have allocated large budgets to the battle, they do not have a free hand in what they can do. Marketing staff from the banks are due to meet at Apple’s headquarters in Cupertino on Tuesday, according to people familiar with the matter, to receive strict guidelines on how they can advertise Apple Pay to customers. …. The largest card issuers – led in the US by…
  • Fun with Rogers and iPhone 6

    Colin Henderson
    15 Sep 2014 | 8:00 pm
    Just a wild guess, but this on day 3 of the iPhone 6 reservation system; could be co-incidence, but it may be time to buy more Apple stock Filed under: Uncategorized
  • Wells chief comments on mortgages sounds like a preview of another 2007

    Colin Henderson
    26 Aug 2014 | 10:17 pm
    Wells Fargo hold a gun to the Governments head on poor quality mortgages. Somehow this article out of the blue took me straight back to 2007. There still remains a fundamental gap in what Banks believe their role is, compared to what is expected from Government. The concept of government guaranteed mortgages helps many new homeowners but it is also a mis-used function that skews risk management. By definition it eliminates risk for banks. That seems perverse when compared to the concept of banking. The wording of the Wells Chief struck me as something we ought to be concerned about. Do Wells…
  • Stunning statistics on the value of the South China Sea

    Colin Henderson
    2 Aug 2014 | 6:32 pm
    Zerohedge points out the value of the South China Sea, particularly the value in natural gas. Filed under: Uncategorized
  • As American fans chanted “U-S-A! U-S-A! U-S-A!” the Germans countered with, “N-S-A! N-S-A! N-S-A!”

    Colin Henderson
    18 Jul 2014 | 10:32 pm
    While football (soccer to North America) fans may not, as a group apparently represent the intellectual elite,they do reflect the practical & political reality. On June 26th, 2014 when USA and Germany played each other in the World Cup, the brilliantly social reflective fans got straight to the true core of international relations. World Cup chants reveal true state of U.S.-German relations As Germany basks in its World Cup victory, it’s easy to forget that one of the most telling geopolitical moments of the tournament came during the Germany-U.S. game. As American fans chanted…
 
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    Commercial Banking News - Commercial Banking News Headlines | Bizjournals.com

  • Gaming panel gave minimal weight to saving Suffolk's horse-racing jobs

    Jon Chesto
    17 Sep 2014 | 7:37 pm
    When Penn National competed with Cordish Cos. for the state’s sole slots parlor license in February, there was one big thing that gave Penn National the edge. Keeping horse racing alive. As the five commission members reported back to the group on their assessments of each of the three applicants— Raynham Park was a distant third — the benefits of keeping the Plainridge harness track open kept coming up, again and again. In the end, Penn National committed to maintaining the horse racing…
  • Exports on tap for Arizona Commerce Authority forum

    Eric Jay Toll
    17 Sep 2014 | 4:29 pm
    Exporting is a major emphasis in state economic policy, and Arizona Commerce Authority is combining forces with economic developers in Gilbert and Mesa for a half-day forum to teach businesses more about it. “Global Connect: Expanding through Exports” features panels with export experts talking about opportunities for business-to-business and business-to-government trade outside U.S. borders. The forum is slated for Sept. 30. “This program is a great opportunity for a business that wants…
  • More automobile lenders could fall under Consumer Financial Protection Bureau supervision

    Kent Hoover
    17 Sep 2014 | 3:40 pm
    The Consumer Financial Protection Bureau plans to extend its oversight authority to large automobile finance companies that aren’t banks. Under a proposed rule, the bureau would supervise nonbank auto finance companies that make, acquire or refinance 10,000 or more loans or leases per year. This means that 38 additional auto finance companies, which provide financing to around 7 million consumers a year, would be subject to CFPB enforcement of federal consumer financial laws. The CFPB already…
  • Wells Fargo CEO John Stumpf likes direction of U.S. economy, but 'it's not a full recovery'

    Mark Holan
    17 Sep 2014 | 2:46 pm
    Wells Fargo CEO John Stumpf said he generally likes the post-recession direction of the national economy, but he still has concerns about the housing market. That remains a big part of his company's business. "It doesn't feel like a full recovery," Stempf said during a Wednesday luncheon address at the National Press Club. "There are mixed messages. ... But I am bullish about the longterm picture." He said the domestic energy, auto sales and the tech sectors are doing very well. Yet mortgage lending…
  • Gerding Edlen aims for $500M payoff on apartment portfolio

    Wendy Culverwell
    17 Sep 2014 | 2:37 pm
    One of Portland's most storied developers is poised to cash in on its bold recession-era bet that broken projects in great cities would yield big dividends. Real Estate Alert reports Gerding Edlen has hired CBRE to market a 788-unit apartment portfolio that includes projects in prime locations in Boston, Seattle, San Francisco and the Redondo Beach area of Los Angeles. In Seattle, Gerding Edlen is offering the 120-unit Pine & Minor at 1551 Minor Ave. in the Capital Hill neighborhood and the 118-unit…
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    Investment Banking News - Investment Banking News Headlines | Bizjournals.com

  • Gaming panel gave minimal weight to saving Suffolk's horse-racing jobs

    Jon Chesto
    17 Sep 2014 | 7:37 pm
    When Penn National competed with Cordish Cos. for the state’s sole slots parlor license in February, there was one big thing that gave Penn National the edge. Keeping horse racing alive. As the five commission members reported back to the group on their assessments of each of the three applicants— Raynham Park was a distant third — the benefits of keeping the Plainridge harness track open kept coming up, again and again. In the end, Penn National committed to maintaining the horse racing…
  • Exports on tap for Arizona Commerce Authority forum

    Eric Jay Toll
    17 Sep 2014 | 4:29 pm
    Exporting is a major emphasis in state economic policy, and Arizona Commerce Authority is combining forces with economic developers in Gilbert and Mesa for a half-day forum to teach businesses more about it. “Global Connect: Expanding through Exports” features panels with export experts talking about opportunities for business-to-business and business-to-government trade outside U.S. borders. The forum is slated for Sept. 30. “This program is a great opportunity for a business that wants…
  • More automobile lenders could fall under Consumer Financial Protection Bureau supervision

    Kent Hoover
    17 Sep 2014 | 3:40 pm
    The Consumer Financial Protection Bureau plans to extend its oversight authority to large automobile finance companies that aren’t banks. Under a proposed rule, the bureau would supervise nonbank auto finance companies that make, acquire or refinance 10,000 or more loans or leases per year. This means that 38 additional auto finance companies, which provide financing to around 7 million consumers a year, would be subject to CFPB enforcement of federal consumer financial laws. The CFPB already…
  • Wells Fargo CEO John Stumpf likes direction of U.S. economy, but 'it's not a full recovery'

    Mark Holan
    17 Sep 2014 | 2:46 pm
    Wells Fargo CEO John Stumpf said he generally likes the post-recession direction of the national economy, but he still has concerns about the housing market. That remains a big part of his company's business. "It doesn't feel like a full recovery," Stempf said during a Wednesday luncheon address at the National Press Club. "There are mixed messages. ... But I am bullish about the longterm picture." He said the domestic energy, auto sales and the tech sectors are doing very well. Yet mortgage lending…
  • Gerding Edlen aims for $500M payoff on apartment portfolio

    Wendy Culverwell
    17 Sep 2014 | 2:37 pm
    One of Portland's most storied developers is poised to cash in on its bold recession-era bet that broken projects in great cities would yield big dividends. Real Estate Alert reports Gerding Edlen has hired CBRE to market a 788-unit apartment portfolio that includes projects in prime locations in Boston, Seattle, San Francisco and the Redondo Beach area of Los Angeles. In Seattle, Gerding Edlen is offering the 120-unit Pine & Minor at 1551 Minor Ave. in the Capital Hill neighborhood and the 118-unit…
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    Bank Lawyer's Blog

  • MJ Co-Ops: DOA?

    Kevin Funnell
    14 Sep 2014 | 7:58 pm
    Readers may recall the brilliant idea for "cannabis co-ops," hatched by Colorado legislators who, sunshine on their shoulders, were not only crying at the beauty of the concept, but apparently flying at 30,000 feet on a Rocky Mountain High. And, of course, as was the case with the Dude's soiled floor rug, they were looking for a way to "tie the room together." Notwithstanding that the law passed and was signed by Colorado's ever-optimistic governor Hickenlooper (yes, that's his real name) in June, according to this morning's The Denver Post, the idea…
  • Consolidation Does Not Inevitably Lead To De Novos

    Kevin Funnell
    10 Sep 2014 | 8:08 pm
    ICBA chief Cam Fine recently turned optimistic (paid subscription required) about an eventual uptick in de novo charters. However, he doesn't think that wave will break for a few years. "It may not be as robust as the late '90s, when we had 150 to 200 [new banks] a year, but maybe 50 or 60 a year, particularly by 2020," Fine said. "First in, say 2017, it will be 10 to 15." The new activity will sprout once the industry players feel the operating environment has leveled off, he said. "The money will come back once we digest [new regulation] and the turmoil…
  • The Stickiness of Browsewrap

    Kevin Funnell
    7 Sep 2014 | 7:41 pm
    A recent client alert from Arent Fox discusses a potential problem for every bank that has a website, which, I assume, means almost every bank. A decision of the US Ninth Circuit Court of Appeals held against Barnes & Noble, which attempted to force a customer to abide by the alternative dispute resolution terms that were contained in B&N's "terms of use" (TOU) that governed the use of its website. Visitors to the website are notified of the existence of the TOU through a highlighted "hyperlink" at the bottom of the website's homepage (you can view…
  • How Safe Is Too Safe?

    Kevin Funnell
    3 Sep 2014 | 7:52 pm
    Consultant Paul Schaus recently wrote an opinion piece for the American Banker (paid subscription required) in which I think he got the substance right but may have been a little off on some of the "shading." The title of his piece, "When Vendor Management Goes Too Far," and his opening paragraph, give the appearance that banks are taking regulatory guidance on vendor management "too literally" and that banks need to "lighten up--at least a bit." I was concerned when I read these opening sentences, because I thought that one thing banks don't need…
  • More On A Higher Standard For Bank Directors

    Kevin Funnell
    1 Sep 2014 | 7:59 pm
    Kevin LaCroix has some further thoughts on John Gorman's criticism of the proposal of FRB Governor Daniel Tarullo and certain academics that bank officers and directors should be held to a different (i.e., more stringent) fiduciary standard than officers and directors of other types of corporations. After discussing John Gorman's criticism of Tarullo's proposal (discussed here), LaCroix also discusses recent decisions by a federal district court judge in Georgia and the Georgia Supreme Court, the upshot of which is that while bank officers and directors (in Georgia, at least)…
 
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  • Teachers face calls for a new work standard

    17 Sep 2014 | 9:36 pm
    Teachers face calls for a new work standardGettyRecent polls have revealed that Americans across the board feel that a rigorous change is needed for accrediting teachers.But there's one major hiccupMore to readTenn. father's atrocious actN. Korea proves tempting
  • Police reveal strange new info about suspect

    17 Sep 2014 | 9:36 pm
    Police reveal strange new info about suspectAPPa. police announced Wednesday that the man suspected of killing one state trooper and injuring another had an ominous hobby.Plus, distinctive look he may sportMore to readVideo: Politician thrown in dumpsterBeanie Babies creator in court
  • Sweeping food stamps overhaul slow to start

    17 Sep 2014 | 9:36 pm
    Sweeping food stamps overhaul slow to startAPAlthough the GOP promised a plan to save billions, only four states have been affected so far.States that can expect cuts soonMore newsNetflix's plan to takeoverNote found on student's body
  • House approves sending arms to Syrian rebels

    17 Sep 2014 | 9:36 pm
    House approves sending arms to Syrian rebelsGettyThe GOP-controlled House grudgingly agreed to let the U.S. military train and arm rebels, but even supporters weren't trumpeting the move.'The best of a long list of bad options'More newsFirst US airstrikes in IraqFrance ready to participate
  • NFL's ugly run continues with latest arrest

    17 Sep 2014 | 9:36 pm
    NFL's ugly run continues with latest arrestAPCardinals running back Jonathan Dwyer was deactivated Wednesday after he was arrested in connection to two alleged incidents in July.Disturbing charges he's facingRelated coverageVikings owner admits 'mistake'49ers stand by McDonald
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  • Teachers face calls for a new work standard

    17 Sep 2014 | 9:36 pm
    Teachers face calls for a new work standardGettyRecent polls have revealed that Americans across the board feel that a rigorous change is needed for accrediting teachers.But there's one major hiccupMore to readTenn. father's atrocious actN. Korea proves tempting
  • Police reveal strange new info about suspect

    17 Sep 2014 | 9:36 pm
    Police reveal strange new info about suspectAPPa. police announced Wednesday that the man suspected of killing one state trooper and injuring another had an ominous hobby.Plus, distinctive look he may sportMore to readVideo: Politician thrown in dumpsterBeanie Babies creator in court
  • Sweeping food stamps overhaul slow to start

    17 Sep 2014 | 9:36 pm
    Sweeping food stamps overhaul slow to startAPAlthough the GOP promised a plan to save billions, only four states have been affected so far.States that can expect cuts soonMore newsNetflix's plan to takeoverNote found on student's body
  • House approves sending arms to Syrian rebels

    17 Sep 2014 | 9:36 pm
    House approves sending arms to Syrian rebelsGettyThe GOP-controlled House grudgingly agreed to let the U.S. military train and arm rebels, but even supporters weren't trumpeting the move.'The best of a long list of bad options'More newsFirst US airstrikes in IraqFrance ready to participate
  • NFL's ugly run continues with latest arrest

    17 Sep 2014 | 9:36 pm
    NFL's ugly run continues with latest arrestAPCardinals running back Jonathan Dwyer was deactivated Wednesday after he was arrested in connection to two alleged incidents in July.Disturbing charges he's facingRelated coverageVikings owner admits 'mistake'49ers stand by McDonald
 
  • add this feed to my.Alltop

  • Teachers face calls for a new work standard

    17 Sep 2014 | 9:36 pm
    Teachers face calls for a new work standardGettyRecent polls have revealed that Americans across the board feel that a rigorous change is needed for accrediting teachers.But there's one major hiccupMore to readTenn. father's atrocious actN. Korea proves tempting
  • Police reveal strange new info about suspect

    17 Sep 2014 | 9:36 pm
    Police reveal strange new info about suspectAPPa. police announced Wednesday that the man suspected of killing one state trooper and injuring another had an ominous hobby.Plus, distinctive look he may sportMore to readVideo: Politician thrown in dumpsterBeanie Babies creator in court
  • Sweeping food stamps overhaul slow to start

    17 Sep 2014 | 9:36 pm
    Sweeping food stamps overhaul slow to startAPAlthough the GOP promised a plan to save billions, only four states have been affected so far.States that can expect cuts soonMore newsNetflix's plan to takeoverNote found on student's body
  • House approves sending arms to Syrian rebels

    17 Sep 2014 | 9:36 pm
    House approves sending arms to Syrian rebelsGettyThe GOP-controlled House grudgingly agreed to let the U.S. military train and arm rebels, but even supporters weren't trumpeting the move.'The best of a long list of bad options'More newsFirst US airstrikes in IraqFrance ready to participate
  • NFL's ugly run continues with latest arrest

    17 Sep 2014 | 9:36 pm
    NFL's ugly run continues with latest arrestAPCardinals running back Jonathan Dwyer was deactivated Wednesday after he was arrested in connection to two alleged incidents in July.Disturbing charges he's facingRelated coverageVikings owner admits 'mistake'49ers stand by McDonald
  • add this feed to my.Alltop

  • Teachers face calls for a new work standard

    17 Sep 2014 | 9:36 pm
    Teachers face calls for a new work standardGettyRecent polls have revealed that Americans across the board feel that a rigorous change is needed for accrediting teachers.But there's one major hiccupMore to readTenn. father's atrocious actN. Korea proves tempting
  • Police reveal strange new info about suspect

    17 Sep 2014 | 9:36 pm
    Police reveal strange new info about suspectAPPa. police announced Wednesday that the man suspected of killing one state trooper and injuring another had an ominous hobby.Plus, distinctive look he may sportMore to readVideo: Politician thrown in dumpsterBeanie Babies creator in court
  • Sweeping food stamps overhaul slow to start

    17 Sep 2014 | 9:36 pm
    Sweeping food stamps overhaul slow to startAPAlthough the GOP promised a plan to save billions, only four states have been affected so far.States that can expect cuts soonMore newsNetflix's plan to takeoverNote found on student's body
  • House approves sending arms to Syrian rebels

    17 Sep 2014 | 9:36 pm
    House approves sending arms to Syrian rebelsGettyThe GOP-controlled House grudgingly agreed to let the U.S. military train and arm rebels, but even supporters weren't trumpeting the move.'The best of a long list of bad options'More newsFirst US airstrikes in IraqFrance ready to participate
  • NFL's ugly run continues with latest arrest

    17 Sep 2014 | 9:36 pm
    NFL's ugly run continues with latest arrestAPCardinals running back Jonathan Dwyer was deactivated Wednesday after he was arrested in connection to two alleged incidents in July.Disturbing charges he's facingRelated coverageVikings owner admits 'mistake'49ers stand by McDonald
  • add this feed to my.Alltop

  • Teachers face calls for a new work standard

    17 Sep 2014 | 9:36 pm
    Teachers face calls for a new work standardGettyRecent polls have revealed that Americans across the board feel that a rigorous change is needed for accrediting teachers.But there's one major hiccupMore to readTenn. father's atrocious actN. Korea proves tempting
  • Police reveal strange new info about suspect

    17 Sep 2014 | 9:36 pm
    Police reveal strange new info about suspectAPPa. police announced Wednesday that the man suspected of killing one state trooper and injuring another had an ominous hobby.Plus, distinctive look he may sportMore to readVideo: Politician thrown in dumpsterBeanie Babies creator in court
  • Sweeping food stamps overhaul slow to start

    17 Sep 2014 | 9:36 pm
    Sweeping food stamps overhaul slow to startAPAlthough the GOP promised a plan to save billions, only four states have been affected so far.States that can expect cuts soonMore newsNetflix's plan to takeoverNote found on student's body
  • House approves sending arms to Syrian rebels

    17 Sep 2014 | 9:36 pm
    House approves sending arms to Syrian rebelsGettyThe GOP-controlled House grudgingly agreed to let the U.S. military train and arm rebels, but even supporters weren't trumpeting the move.'The best of a long list of bad options'More newsFirst US airstrikes in IraqFrance ready to participate
  • NFL's ugly run continues with latest arrest

    17 Sep 2014 | 9:36 pm
    NFL's ugly run continues with latest arrestAPCardinals running back Jonathan Dwyer was deactivated Wednesday after he was arrested in connection to two alleged incidents in July.Disturbing charges he's facingRelated coverageVikings owner admits 'mistake'49ers stand by McDonald
 
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  • Teachers face calls for a new work standard

    17 Sep 2014 | 9:36 pm
    Teachers face calls for a new work standardGettyRecent polls have revealed that Americans across the board feel that a rigorous change is needed for accrediting teachers.But there's one major hiccupMore to readTenn. father's atrocious actN. Korea proves tempting
  • Police reveal strange new info about suspect

    17 Sep 2014 | 9:36 pm
    Police reveal strange new info about suspectAPPa. police announced Wednesday that the man suspected of killing one state trooper and injuring another had an ominous hobby.Plus, distinctive look he may sportMore to readVideo: Politician thrown in dumpsterBeanie Babies creator in court
  • Sweeping food stamps overhaul slow to start

    17 Sep 2014 | 9:36 pm
    Sweeping food stamps overhaul slow to startAPAlthough the GOP promised a plan to save billions, only four states have been affected so far.States that can expect cuts soonMore newsNetflix's plan to takeoverNote found on student's body
  • House approves sending arms to Syrian rebels

    17 Sep 2014 | 9:36 pm
    House approves sending arms to Syrian rebelsGettyThe GOP-controlled House grudgingly agreed to let the U.S. military train and arm rebels, but even supporters weren't trumpeting the move.'The best of a long list of bad options'More newsFirst US airstrikes in IraqFrance ready to participate
  • NFL's ugly run continues with latest arrest

    17 Sep 2014 | 9:36 pm
    NFL's ugly run continues with latest arrestAPCardinals running back Jonathan Dwyer was deactivated Wednesday after he was arrested in connection to two alleged incidents in July.Disturbing charges he's facingRelated coverageVikings owner admits 'mistake'49ers stand by McDonald
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  • Teachers face calls for a new work standard

    17 Sep 2014 | 9:36 pm
    Teachers face calls for a new work standardGettyRecent polls have revealed that Americans across the board feel that a rigorous change is needed for accrediting teachers.But there's one major hiccupMore to readTenn. father's atrocious actN. Korea proves tempting
  • Police reveal strange new info about suspect

    17 Sep 2014 | 9:36 pm
    Police reveal strange new info about suspectAPPa. police announced Wednesday that the man suspected of killing one state trooper and injuring another had an ominous hobby.Plus, distinctive look he may sportMore to readVideo: Politician thrown in dumpsterBeanie Babies creator in court
  • Sweeping food stamps overhaul slow to start

    17 Sep 2014 | 9:36 pm
    Sweeping food stamps overhaul slow to startAPAlthough the GOP promised a plan to save billions, only four states have been affected so far.States that can expect cuts soonMore newsNetflix's plan to takeoverNote found on student's body
  • House approves sending arms to Syrian rebels

    17 Sep 2014 | 9:36 pm
    House approves sending arms to Syrian rebelsGettyThe GOP-controlled House grudgingly agreed to let the U.S. military train and arm rebels, but even supporters weren't trumpeting the move.'The best of a long list of bad options'More newsFirst US airstrikes in IraqFrance ready to participate
  • NFL's ugly run continues with latest arrest

    17 Sep 2014 | 9:36 pm
    NFL's ugly run continues with latest arrestAPCardinals running back Jonathan Dwyer was deactivated Wednesday after he was arrested in connection to two alleged incidents in July.Disturbing charges he's facingRelated coverageVikings owner admits 'mistake'49ers stand by McDonald
  • add this feed to my.Alltop

  • Teachers face calls for a new work standard

    17 Sep 2014 | 9:36 pm
    Teachers face calls for a new work standardGettyRecent polls have revealed that Americans across the board feel that a rigorous change is needed for accrediting teachers.But there's one major hiccupMore to readTenn. father's atrocious actN. Korea proves tempting
  • Police reveal strange new info about suspect

    17 Sep 2014 | 9:36 pm
    Police reveal strange new info about suspectAPPa. police announced Wednesday that the man suspected of killing one state trooper and injuring another had an ominous hobby.Plus, distinctive look he may sportMore to readVideo: Politician thrown in dumpsterBeanie Babies creator in court
  • Sweeping food stamps overhaul slow to start

    17 Sep 2014 | 9:36 pm
    Sweeping food stamps overhaul slow to startAPAlthough the GOP promised a plan to save billions, only four states have been affected so far.States that can expect cuts soonMore newsNetflix's plan to takeoverNote found on student's body
  • House approves sending arms to Syrian rebels

    17 Sep 2014 | 9:36 pm
    House approves sending arms to Syrian rebelsGettyThe GOP-controlled House grudgingly agreed to let the U.S. military train and arm rebels, but even supporters weren't trumpeting the move.'The best of a long list of bad options'More newsFirst US airstrikes in IraqFrance ready to participate
  • NFL's ugly run continues with latest arrest

    17 Sep 2014 | 9:36 pm
    NFL's ugly run continues with latest arrestAPCardinals running back Jonathan Dwyer was deactivated Wednesday after he was arrested in connection to two alleged incidents in July.Disturbing charges he's facingRelated coverageVikings owner admits 'mistake'49ers stand by McDonald
 
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  • Teachers face calls for a new work standard

    17 Sep 2014 | 9:36 pm
    Teachers face calls for a new work standardGettyRecent polls have revealed that Americans across the board feel that a rigorous change is needed for accrediting teachers.But there's one major hiccupMore to readTenn. father's atrocious actN. Korea proves tempting
  • Police reveal strange new info about suspect

    17 Sep 2014 | 9:36 pm
    Police reveal strange new info about suspectAPPa. police announced Wednesday that the man suspected of killing one state trooper and injuring another had an ominous hobby.Plus, distinctive look he may sportMore to readVideo: Politician thrown in dumpsterBeanie Babies creator in court
  • Sweeping food stamps overhaul slow to start

    17 Sep 2014 | 9:36 pm
    Sweeping food stamps overhaul slow to startAPAlthough the GOP promised a plan to save billions, only four states have been affected so far.States that can expect cuts soonMore newsNetflix's plan to takeoverNote found on student's body
  • House approves sending arms to Syrian rebels

    17 Sep 2014 | 9:36 pm
    House approves sending arms to Syrian rebelsGettyThe GOP-controlled House grudgingly agreed to let the U.S. military train and arm rebels, but even supporters weren't trumpeting the move.'The best of a long list of bad options'More newsFirst US airstrikes in IraqFrance ready to participate
  • NFL's ugly run continues with latest arrest

    17 Sep 2014 | 9:36 pm
    NFL's ugly run continues with latest arrestAPCardinals running back Jonathan Dwyer was deactivated Wednesday after he was arrested in connection to two alleged incidents in July.Disturbing charges he's facingRelated coverageVikings owner admits 'mistake'49ers stand by McDonald
  • add this feed to my.Alltop

  • Teachers face calls for a new work standard

    17 Sep 2014 | 9:36 pm
    Teachers face calls for a new work standardGettyRecent polls have revealed that Americans across the board feel that a rigorous change is needed for accrediting teachers.But there's one major hiccupMore to readTenn. father's atrocious actN. Korea proves tempting
  • Police reveal strange new info about suspect

    17 Sep 2014 | 9:36 pm
    Police reveal strange new info about suspectAPPa. police announced Wednesday that the man suspected of killing one state trooper and injuring another had an ominous hobby.Plus, distinctive look he may sportMore to readVideo: Politician thrown in dumpsterBeanie Babies creator in court
  • Sweeping food stamps overhaul slow to start

    17 Sep 2014 | 9:36 pm
    Sweeping food stamps overhaul slow to startAPAlthough the GOP promised a plan to save billions, only four states have been affected so far.States that can expect cuts soonMore newsNetflix's plan to takeoverNote found on student's body
  • House approves sending arms to Syrian rebels

    17 Sep 2014 | 9:36 pm
    House approves sending arms to Syrian rebelsGettyThe GOP-controlled House grudgingly agreed to let the U.S. military train and arm rebels, but even supporters weren't trumpeting the move.'The best of a long list of bad options'More newsFirst US airstrikes in IraqFrance ready to participate
  • NFL's ugly run continues with latest arrest

    17 Sep 2014 | 9:36 pm
    NFL's ugly run continues with latest arrestAPCardinals running back Jonathan Dwyer was deactivated Wednesday after he was arrested in connection to two alleged incidents in July.Disturbing charges he's facingRelated coverageVikings owner admits 'mistake'49ers stand by McDonald
  • add this feed to my.Alltop

  • Teachers face calls for a new work standard

    17 Sep 2014 | 9:36 pm
    Teachers face calls for a new work standardGettyRecent polls have revealed that Americans across the board feel that a rigorous change is needed for accrediting teachers.But there's one major hiccupMore to readTenn. father's atrocious actN. Korea proves tempting
  • Police reveal strange new info about suspect

    17 Sep 2014 | 9:36 pm
    Police reveal strange new info about suspectAPPa. police announced Wednesday that the man suspected of killing one state trooper and injuring another had an ominous hobby.Plus, distinctive look he may sportMore to readVideo: Politician thrown in dumpsterBeanie Babies creator in court
  • Sweeping food stamps overhaul slow to start

    17 Sep 2014 | 9:36 pm
    Sweeping food stamps overhaul slow to startAPAlthough the GOP promised a plan to save billions, only four states have been affected so far.States that can expect cuts soonMore newsNetflix's plan to takeoverNote found on student's body
  • House approves sending arms to Syrian rebels

    17 Sep 2014 | 9:36 pm
    House approves sending arms to Syrian rebelsGettyThe GOP-controlled House grudgingly agreed to let the U.S. military train and arm rebels, but even supporters weren't trumpeting the move.'The best of a long list of bad options'More newsFirst US airstrikes in IraqFrance ready to participate
  • NFL's ugly run continues with latest arrest

    17 Sep 2014 | 9:36 pm
    NFL's ugly run continues with latest arrestAPCardinals running back Jonathan Dwyer was deactivated Wednesday after he was arrested in connection to two alleged incidents in July.Disturbing charges he's facingRelated coverageVikings owner admits 'mistake'49ers stand by McDonald
 
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  • Teachers face calls for a new work standard

    17 Sep 2014 | 9:36 pm
    Teachers face calls for a new work standardGettyRecent polls have revealed that Americans across the board feel that a rigorous change is needed for accrediting teachers.But there's one major hiccupMore to readTenn. father's atrocious actN. Korea proves tempting
  • Police reveal strange new info about suspect

    17 Sep 2014 | 9:36 pm
    Police reveal strange new info about suspectAPPa. police announced Wednesday that the man suspected of killing one state trooper and injuring another had an ominous hobby.Plus, distinctive look he may sportMore to readVideo: Politician thrown in dumpsterBeanie Babies creator in court
  • Sweeping food stamps overhaul slow to start

    17 Sep 2014 | 9:36 pm
    Sweeping food stamps overhaul slow to startAPAlthough the GOP promised a plan to save billions, only four states have been affected so far.States that can expect cuts soonMore newsNetflix's plan to takeoverNote found on student's body
  • House approves sending arms to Syrian rebels

    17 Sep 2014 | 9:36 pm
    House approves sending arms to Syrian rebelsGettyThe GOP-controlled House grudgingly agreed to let the U.S. military train and arm rebels, but even supporters weren't trumpeting the move.'The best of a long list of bad options'More newsFirst US airstrikes in IraqFrance ready to participate
  • NFL's ugly run continues with latest arrest

    17 Sep 2014 | 9:36 pm
    NFL's ugly run continues with latest arrestAPCardinals running back Jonathan Dwyer was deactivated Wednesday after he was arrested in connection to two alleged incidents in July.Disturbing charges he's facingRelated coverageVikings owner admits 'mistake'49ers stand by McDonald
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  • Teachers face calls for a new work standard

    17 Sep 2014 | 9:36 pm
    Teachers face calls for a new work standardGettyRecent polls have revealed that Americans across the board feel that a rigorous change is needed for accrediting teachers.But there's one major hiccupMore to readTenn. father's atrocious actN. Korea proves tempting
  • Police reveal strange new info about suspect

    17 Sep 2014 | 9:36 pm
    Police reveal strange new info about suspectAPPa. police announced Wednesday that the man suspected of killing one state trooper and injuring another had an ominous hobby.Plus, distinctive look he may sportMore to readVideo: Politician thrown in dumpsterBeanie Babies creator in court
  • Sweeping food stamps overhaul slow to start

    17 Sep 2014 | 9:36 pm
    Sweeping food stamps overhaul slow to startAPAlthough the GOP promised a plan to save billions, only four states have been affected so far.States that can expect cuts soonMore newsNetflix's plan to takeoverNote found on student's body
  • House approves sending arms to Syrian rebels

    17 Sep 2014 | 9:36 pm
    House approves sending arms to Syrian rebelsGettyThe GOP-controlled House grudgingly agreed to let the U.S. military train and arm rebels, but even supporters weren't trumpeting the move.'The best of a long list of bad options'More newsFirst US airstrikes in IraqFrance ready to participate
  • NFL's ugly run continues with latest arrest

    17 Sep 2014 | 9:36 pm
    NFL's ugly run continues with latest arrestAPCardinals running back Jonathan Dwyer was deactivated Wednesday after he was arrested in connection to two alleged incidents in July.Disturbing charges he's facingRelated coverageVikings owner admits 'mistake'49ers stand by McDonald
 
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    MyBankTracker.com

  • 10 Smart Saving Tips for Young Adults

    Daryl Paranada
    17 Sep 2014 | 5:02 pm
    Saving money is important at any age, but the way that you should save differs greatly from one decade to another. That’s because changes in your income and new expenses affect your ability to save and might even change your motivation to do so. With each change in your lifestyle comes new financial needs — and one of the biggest transitional times in your life is entering your third decade of life. Saving money differs greatly in your 20s and 30s, so here are a few saving tips for young adults. Flickr |…
  • How Low Jumbo Loan Rates Can Help You Get the House You Want

    Peter Bennett
    17 Sep 2014 | 4:05 pm
    If you happen to be in the market for a large loan to either buy a house or refinance your current one, you have surely been watching jumbo loan rates with keen interest. Flickr | https://www.flickr.com/photos/jodydigger/8869873829/in/photolist-7ScLXL-dthiE2-e3SH4K-dRTnYe-dRYZgQ-7JcSmt-Cvnp3-gagNTa-gahy1R-a5e79x-8fwvFX-gahbic-evNqt8-ganb5N-g9i5D1-g9kq52-g9nuvc-g9ixnk-g9jszK-gan3K9-8p7hR5-owfdge-5JDHLU-gahufs-9Cr3yW-86u3wq-5zjJqd-LqUe-8eQMuC-eyKpLW-eyGfa2-bXu9ZN-bXuaHq-bXu8FA-bXu8Q3-bXubpj-bXu933-bXu9Jy-bXu7y7-4xLy8-6u6YLh-32XrLP-bXsf1G-gahvos-32XwcT-332MHm-32XnfH-3jL6Nv-g9k6RX-g9nrRe And what…
  • Money-Saving Tips for New Parents to Cut Costs on 3 Major Expenses

    Daryl Paranada
    17 Sep 2014 | 2:00 am
    Buying baby equipment, purchasing outfits, changing diapers — these are all things tasks that new parents have to face. Bringing a baby into the world is one of life’s greatest gifts, and it can be extremely rewarding. Everyone knows, of course, that raising a kid isn’t easy — and it’s certainly not cheap. Flickr…
  • Home Equity Loan Pros and Cons and 5 Scenarios to Help You Better Understand It

    Peter Bennett
    16 Sep 2014 | 2:22 pm
    Homeowners have been taking out home equity lines with a vengeance lately, including $23.4 billion in the first quarter of 2014, up from 15.5 percent from 2013 and the highest number in six years. Despite their obvious appeal for financing everything from kitchen makeovers to new cars, you’ll better understand how these tax-favored, take-cash-out-of-your-house solutions work and whether they’re the right choice for your particular financial need after conducting a home equity loan pros and cons analysis across five different popular uses for these products.. But first, let’s take a…
  • Banks Waive Debit Card Replacement Fees Following Data Breach

    Theresa Kim
    16 Sep 2014 | 1:19 pm
    Data breaches are occurring one after another at major retailers and if you’re one of the millions who makes frequent use of credit and debit cards, you probably don’t feel very safe. Recently, there was a confirmed debit card data breach at Home Depot in which hackers once again managed to run off with sensitive information. Whether or not you shop at Home Depot, Target, Michaels or any of the other retailers who were hit, the best way to protect yourself is by getting your debit card replaced. Flickr |…
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    Payments Views from Glenbrook Partners

  • Glenbrook Payments on Fire podcast – On Checkout Flow and Apple Pay

    George Peabody
    15 Sep 2014 | 9:14 am
    In this Payments on Fire podcast, Russ Jones and I discuss last week’s Apple Pay announcement and how it fits with and compares to other checkout approaches. We begin looking at Apple Pay and Visa Checkout from the perspective of the checkout process because that’s what they are, ways to optimize checkout. We talk about how both will evolve over time. We then dive into what we know about Apple Pay and discuss and what’s most exciting about Apple Pay (it’s not NFC). In our next Payments on Fire podcast, Russ takes a deeper dive into Visa Checkout.  So, come back for…
  • Apple Pay: It’s Your Life?

    Carol Coye Benson
    12 Sep 2014 | 3:00 am
    These are some personal observations on Apple Pay, after an exciting week of reading announcements from Apple and reactions from bloggers. (If you want a Glenbrook business view on the announcement, read Wednesday’s post by my partner George Peabody.) For several years we’ve been talking, at Glenbrook, about how mobile payments take a back seat, in terms of importance, to mobile commerce – how it is the “tail that wags the dog.” We’ve been particularly focused on what enables merchants to “sell more”, whether by offering coupons, or loyalty programs, or…
  • Do You Want a Million Dollars?

    Carol Coye Benson
    11 Sep 2014 | 12:20 pm
    I was delighted and fascinated to see that the Gates Foundation has issued a “Grand Challenge” on enabling universal acceptance of mobile money payments.  The Foundation’s previous best-known challenges have been in healthcare, notably for toilets and condoms, so this is quite a change! The Foundation is soliciting two-page proposals on innovative devices, software or business models that can dramatically increase the acceptance of mobile payment solutions by small businesses and service providers “and other members of the ecosystem serving the poor”.  Winning applicants will…
  • Apple Pay Stirs, But Doesn’t Shake, the Mobile Landscape

    George Peabody
    10 Sep 2014 | 4:11 pm
    The Apple Pay announcement finally came yesterday and the company’s orchestration of much of the complex and fractious card payments ecosystem demonstrates Apple’s insight into how the current payments ecosystem works and how it must be aligned in order to meet its own needs. Combining NFC, Apple’s Passbook wallet, Touch ID biometric reader, cards stored in the iTunes account, and a stronger security model, Apple Pay could give the NFC “tap and pay” gesture a reinvigorated future. Looked at it from the payment context alone, Apple Pay does not do a great deal…
  • SEPA for Cards – The New Ballgame

    Manfred Schuck
    7 Sep 2014 | 10:00 pm
    We are delighted to feature another post by Manfred Schuck, a terrific payments consultant from Frankfurt, who will co-lead with Elizabeth McQuerry our upcoming Payments in Europe Insight workshop to be held in Mountain View, CA on October 9. Now, it’s about cards.  Here’s how the European Payments Council (EPC), the self-regulation body of the European Banking Industry, views its SEPA for cards initiative: “The Single Euro Payments Area (SEPA) for cards sets the conditions to offer European cardholders general purpose cards to make euro payments and withdraw euro cash throughout…
 
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    BAI Banking Strategies

  • Innovation that Makes a Difference

    14 Sep 2014 | 11:00 pm
    Despite the difficulties, financial institutions from around the world are showing the ability to develop and bring to market innovations that truly make a difference for customers.
  • Venturing, Cautiously, into International Trade Finance

    11 Sep 2014 | 10:00 pm
    Banks wishing to follow their customers into global trade first need to ascertain their own place on the international trade finance spectrum.
  • Targeted Data, Not Big Data

    9 Sep 2014 | 9:00 pm
    Using Big Data for marketing may be all the rage, but better results can be achieved more cheaply by using data more aligned to the bank’s specific needs.
  • Serving the Underserved with Prepaid Cards

    8 Sep 2014 | 9:00 pm
    While prepaid cards represent a major opportunity for banks to serve the underbanked, bank marketers need to do a better job educating potential customers on the opportunities.
  • The Reality, or Not, of Bitcoin

    7 Sep 2014 | 10:00 pm
    While Bitcoin has its regulatory and fraud challenges, the cryptocurrency may have legs in the market – and require some attention by banks.
 
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    spark

  • Apple Pay: early Christmas present for the payments industry

    Denise Bahs
    10 Sep 2014 | 8:53 am
    Christmas came early this year for the payments industry which has been stuck in ‘lack of consumer and merchant adoption land’ for years. Perhaps, and that’s a big maybe, Apple Pay, the new payments process available on the new iPhone 6 and iPhone 6Plus will be the catalyst to wide adoption. Apple Pay uses NFC (Near Field Communication) technology and TouchID (biometric fingerprint ID) technology to process transactions for purchases of good and services, by using credit card information associated with your iTunes account. When NFC was introduced I was skeptical about the…
  • What’s the ROI of social media?

    Denise Bahs
    3 Sep 2014 | 7:35 am
    The issue of social media ROI has plagued companies and marketers for years. How can you tell if your efforts and dollars and paying off? While there are plenty of numbers we can track, the answer is still elusive, but I’d like to argue that it’s also moot. Social media is not a tool for measurement, it’s a tool for communication. When was the last time the CEO asked what the ROI is on telephones? Or email? If you are old enough, you remember when email was brand new. It was this thing we had to do on top of our full work day. Then slowly over time, it became the CENTER of…
  • Ice Bucket Challenge is a Defining Phenomenon

    Denise Bahs
    21 Aug 2014 | 11:01 am
    Fast forward 30 years and your kids are reminiscing about their childhood. The Ice Bucket Challenge will surely be a defining phenomenon that marks the 2010s decade. It has taken on a life of its own. To date, nearly 3 million people have participated and more than $30 million dollars have been raised. It has sparked controversy and drawn out the naysayers: wasted water, supposedly more important needs, charity as an afterthought, and according to some, just plain dumb. The good, the bad and the ugly. That’s life and since social media is a big magnifying glass on life, it gets…
  • Putting the person back in personal banking

    Denise Bahs
    4 Aug 2014 | 1:35 pm
    Imagine walking into your bank and visiting the ATM, except instead of giving you cash, you got a HUGE thank you. And I mean HUGE, like tickets to a baseball game, money for college, a family trip to Disney World, just to name a few. You would be blown away. Check out this video on the most personal, touching and brilliant marketing campaigns ever done by a financial institution. Why is this so touching? Because it is unbelievably unexpected. It’s unheard of. This brings up so many questions, that I wish I had the answers for, like, how did the bank, TDCanada, know these people needed…
  • Do you feel like an ugly Facebook lab rat?

    Denise Bahs
    3 Jul 2014 | 8:55 am
    Facebook Lab Rat The good, the bad and the ugly. Facebook is getting uglier. Last week it was revealed that a mass manipulation occurred by Facebook and we are the lab rats. Nearly 700,000 Facebook users were unknowingly used in an experiment to gauge massive scale emotional contagion. Newsfeeds were manipulated to omit positive or negative posts to see whether or not that would affect the users’ emotional state. The findings found that people’s moods were affected with those exposed to more negative posts, becoming more negative or withdrawn and vice versa for the positive posts.
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    Mountain Money by MACU

  • Infographic: Hidden Cost of Zero Percent Interest Credit Cards

    Mountain America
    16 Sep 2014 | 2:26 pm
      *Variable APR as low as 7.99% Embed This Image On Your Site (copy code below): Courtesy of: Mountain America Credit Union
  • Back-To-School on a Budget Infographic

    Mountain America
    1 Sep 2014 | 2:33 pm
    Embed This Image On Your Site (copy code below): Courtesy of: Mountain America Credit Union
  • 5 Back-to-School Tips

    Mountain America
    19 Aug 2014 | 12:03 pm
    Every year, back-to-school shopping seems to spring upon parents as they  check everything off the list in preparation for a smooth school year. Make the transition from pool to classroom a little easier with these five simple back-to-school tips. Shop From Home Start your back-to-school shopping spree by checking out your own supplies at home. You most likely already have a number of items on your child’s list for the upcoming year. Grab a bag for you and your child and make it into a fun game to see who can find the most items on the list. Be Creative Let your kids personalize their…
  • 6 Tips for Improving Your Credit Score

    Mountain America
    17 Jun 2014 | 1:58 pm
    The credit score…what is it? A credit score is a three-digit number, determined by information compiled from a credit report. The purpose of the number is to show risk associated with an individual, how credit-worthy they are and ultimately the level of responsibility they should be trusted with carrying.Many credit-scoring models are in use, but the one predominantly used by most agencies is the FICO credit score, used by 90% of all financial institutions in the United States. FICO scores range from 300 to 850, with the highest number being the most desirable and indicated the lowest…
  • 5 Mistakes That Hurt Your Credit Score

    Mountain America
    11 Jun 2014 | 1:57 pm
    Many credit-worthy Americans do their best to make timely payments on credit cards, loans and more. This is an effort to keep their head above water with debt and, for many, it’s an effort to keep their credit score in a satisfactory range. The bad news is that even simple mistakes can affect your credit rating. The good news is that most people, except in some extenuating circumstances, are in complete control of their credit score, so this is a totally controllable number. (You can breathe now.) Don’t let all that hard work to pay off debt and maintain a good credit score be sabotaged…
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    Bankrate.com » Banking

  • ID thieves pose as bank tellers

    David McMillin
    17 Sep 2014 | 1:00 pm
    Banking customers in New York have fallen victim to identity theft from an unlikely criminal gang: a group of bank tellers.
  • Angry customer gets back at bank

    David McMillin
    17 Sep 2014 | 7:00 am
    A disgruntled banking customer has taken a sneaky route to revenge by embarrassing the institution online. How did he do it?
  • Kids ask parents for money advice

    David McMillin
    17 Sep 2014 | 5:00 am
    While kids may tune out parents on plenty of subjects, a new survey shows that Mom and Dad still matter when it comes to personal finance advice.
  • Bank robberies down in most regions

    Allison Ross
    10 Sep 2014 | 6:00 am
    Banks are implementing better lighting around ATMs and adding cameras to better deter these crimes.
  • Banks seen in more positive light

    Allison Ross
    6 Sep 2014 | 7:00 am
    Many banks suffered financially as a result of falling home prices as some were heavily involved in offering risky mortgage loans.
 
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    Banking Sense

  • Credit Card Applications: How To Choose The Perfect Card

    Natalie Cooper
    17 Sep 2014 | 3:30 pm
    Choosing the perfect credit card is no easy task, especially with the large number of options that currently exist at the major banks, at credit unions, at retail stores, and even at amusement parks. The best way to go about choosing the perfect credit product is simply to assess what it’s needed for: Is the card for rewards or emergency spending? Is it needed for one store or many? Will it be used to carry a balance or not? By taking into account these very different ways of using a card, it’s easy to find the right one. Here’s a blueprint for making the best choice in each…
  • Dividend Stocks: How They Work

    Natalie Cooper
    17 Sep 2014 | 1:00 pm
    A powerful way to build long-term wealth is investing in stocks and receiving a dividend. When you earn a dividend, you’re paid part of a company’s earnings for every share of dividend stock you own. In other words, you are paid for an ownership stake in the company. Why Owning Stocks Can Be Very Profitable If ABC Company pays out an annual dividend of 60 cents a share, you will be paid a dividend four times a year. This is a quarterly payment because you will be paid every business quarter. Since your dividend is worth 60 cents a share, you’ll be paid a quarter of that amount, which is…
  • Closing Costs: How They Are Calculated

    Natalie Cooper
    17 Sep 2014 | 10:00 am
    If you are someone who is looking at purchasing a house soon or even if you have a house in mind, you need to factor in the closing costs. Closing costs are one of the prices that you pay for buying a house, and it is calculated independently of the actual amount of money that you are paying for the home. A closing cost is essentially the set of fees that are charged by the lenders and other involved third parties that are related to your purchase. In addition to the down payment, you as the buyer also need to consider what the closing cost might be. Learning More About Closing Costs In…
  • Cheapest Car Insurance: Finding The Best Rates

    Natalie Cooper
    17 Sep 2014 | 6:00 am
    If you want to drive, you need to be insured, and sometimes picking out the insurance that works best for you is just as tough as picking out the car itself! The truth of the matter is that though you will hear about car insurance being offered as having the best rate or the most secure coverage, there is no such thing as the perfect car insurance. There is only the perfect car insurance for you! Take a look at these tips for how to get the cheapest car insurance that will leave you feeling safe. Do Your Homework Edmunds suggests that when you want cheap car insurance and you want to make…
  • 1040EZ Instructions: Helpful Tips and Advice

    Natalie Cooper
    16 Sep 2014 | 3:30 pm
    Tax season is still a few months away as we post this article, but it’s not too early to begin getting your documents in order. That’s especially true if you’re new to the workforce and are filing your taxes for the first time this coming spring. If that’s the case, you probably have a fairly uncomplicated tax situation and can file the 1040EZ form. Read on for the requirements of using this form and what financial information you will need to look for: Who can file the 1040EZ form? If you are filling out a 1040EZ, you should be an single individual or joint filer with…
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