Banking

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  • Lack of an M&A Strategy May Leave You Dateless at the Prom

    Gonzobanker.com
    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…
  • Using Gambling to Entice Low-Income Families to Save

    NYT > Banking Industry
    30 Aug 2014 | 9:00 pm
    A growing number of credit unions and nonprofit groups are using lotteries to encourage low-income families to save.
  • 2015 Digital Banking Strategic Planning (part 2)

    NetBanker
    Jim Bruene
    21 Aug 2014 | 3:07 pm
    Continuing on the 2015 strategic planning theme (see part 1: insurance, lifetime transaction archives and subscription fees)....Here are numbers 4, 5 and 6 in my semi-prioritized list of 2015 priorities:_______________________________________4. Small business debt crowdfunding_________________________________________While commercial lending in the United States is up this year, the small business segment is still vastly underserved. And while there are good reasons why banks choose to avoid riskier SMBs, none of the reasons make a lick of sense to any business owner. I know from…
  • Headline News from PaymentsNews.com - August 29, 2014

    Payments News - from Glenbrook Partners
    Payments News Editor
    29 Aug 2014 | 6:43 am
    On the Web: Apple eyes pay-by-touch for next iPhone - Financial Times - "Apple is working with Dutch chipmaker NXP to add secure short-range wireless technology into the next iPhone..." Introducing Xapo Deposit - Xapo Blog - "With this new feature, Xapo offers you the ability to secure, transact and acquire bitcoins." StubHub the Latest Victim of #Cyberthieves - "The company said the hackers did not break through Stubhub’s own security. Instead, they obtained Stubhub usernames and passwords from other sources." On the Wires: MasterCard-branded National eID Card Launched in Nigeria -…
  • Wells chief comments on mortgages sounds like a preview of another 2007

    The Bankwatch
    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…
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    Gonzobanker.com

  • 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…
  • Meet Brock Thorpe

    Scott Hodgins
    18 Jul 2014 | 2:58 pm
    GonzoBankers! Hope the summer’s been smooth sailing for you. You know, we could do another article this week and get all serious on you. But, dammit, its summertime! Time to relax and laugh at ourselves a bit. This week I want to introduce a new comic about a mythical bank CIO – Brock Thorpe. Brock’s got a lot on his plate, and, well, his patience for vendors is waning. Check it out. Special thanks to Sam Kilmer, Terence Roche, Steve Williams and Eric Weikart for their hefty contributions. Their gag reflex for omnichannel is just about as sensitive as mine.  Hope you like…
  • Commercial Lending: Tune-Up or Junkyard?

    Jim Pinckney
    7 Jul 2014 | 4:37 pm
    The commercial lending environment at most banks has evolved to a point somewhere between the Dark Ages and Henry Ford’s Model T. Hey bankers – isn’t commercial lending your greatest revenue producing engine? So why do we seem to be going backward instead of forward? But all is not lost. The GonzoBanker Commercial Lending Self-Assessment Checklist is here to help bankers identify the evolutionary status of their commercial lending production engines and determine whether this year’s budget should factor in a tune-up, an overhaul or a completely new machine. To begin, simply answer Yes…
 
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    NetBanker

  • 2015 Digital Banking Strategic Planning (part 2)

    Jim Bruene
    21 Aug 2014 | 3:07 pm
    Continuing on the 2015 strategic planning theme (see part 1: insurance, lifetime transaction archives and subscription fees)....Here are numbers 4, 5 and 6 in my semi-prioritized list of 2015 priorities:_______________________________________4. Small business debt crowdfunding_________________________________________While commercial lending in the United States is up this year, the small business segment is still vastly underserved. And while there are good reasons why banks choose to avoid riskier SMBs, none of the reasons make a lick of sense to any business owner. I know from…
  • Last Chance for FinovateFall 2014 Early-Bird Tickets!

    Eric Mattson
    14 Aug 2014 | 9:51 am
    FinovateFall 2014 is just six weeks away and the buzz is building. After announcing the impressive roster of presenters a few weeks ago we've seen a substantial surge in ticket sales. Based on that surge, we're now projecting a Finovate record audience of over 1,300 innovators, entrepreneurs, executives and investors! If you're interested in attending to see the future of fintech debut live on stage, the last chance to get your ticket at the early-bird price expires this Friday. Last year, we sold out so please don't delay if you want to guarantee your ability to attend the event. In case…
  • The 40 Fintech Graduates from Y Combinator (YC)

    Jim Bruene
    12 Aug 2014 | 6:49 pm
    By most measures, Y Combinator (YC) is far and away the most important incubator in the technology space. Graduating from there is like facing the job market with a resume boasting summer internships at Google, Facebook AND Goldman Sachs. You are almost guaranteed a multi-million funding. Fintech (note 1) has been part of YC from the beginning. The first class (Summer 2005) included one fintech startup, TextPayMe, among the eight companies. TextPayMe was acquired shortly thereafter by Amazon for a rumored $3 million. But as YC grew from 2005 to 2009, the number of fintech companies stayed at…
  • FinDEVr 2014 Presenters Revealed!

    Eric Mattson
    11 Aug 2014 | 4:39 pm
    FinDEVr San Francisco 2014 -- the first event focused on fintech developers -- is less than two months away, and we're excited to announce our presenters!These leading companies came from a competitive application process designed to find the best ideas and innovations for fintech developers. Not only did we have an unprecedented number of applications for a debut event, but we also saw an incredible range of cutting-edge solutions!On Sept. 30 & Oct. 1 in San Francisco, they'll showcase their latest tools, APIs, and platforms via fast-paced onstage presentations and in-depth workshops. On…
  • The Surprising Banking Giant Behind New Savings Site Sumday

    Jim Bruene
    5 Aug 2014 | 10:18 am
    BNY's Sumday.com homepageLast week, the Internet discovered an interesting new savings site called Sumday (note 1). It has responsive design, a cute intro video, and social media integration. But it also has something that few trendy fintech plays have, a $230 billion dollar parent, BNY Mellon. I've published something like 2 million words about retail banking and technology and this may be the first time "BNY Mellon" (or Bank of New York) has appeared. Not because they aren't a good company, but its specialities, corporate banking and uber-wealth management, rarely fit our editorial…
 
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    Payments News - from Glenbrook Partners

  • Headline News from PaymentsNews.com - August 29, 2014

    Payments News Editor
    29 Aug 2014 | 6:43 am
    On the Web: Apple eyes pay-by-touch for next iPhone - Financial Times - "Apple is working with Dutch chipmaker NXP to add secure short-range wireless technology into the next iPhone..." Introducing Xapo Deposit - Xapo Blog - "With this new feature, Xapo offers you the ability to secure, transact and acquire bitcoins." StubHub the Latest Victim of #Cyberthieves - "The company said the hackers did not break through Stubhub’s own security. Instead, they obtained Stubhub usernames and passwords from other sources." On the Wires: MasterCard-branded National eID Card Launched in Nigeria -…
  • Headline News from PaymentsNews.com - August 28, 2014

    Payments News Editor
    28 Aug 2014 | 5:37 am
    On the Web: NACHA Membership Approves New Rules to Further Improve ACH Network Quality - “These rules show that financial institutions can come together through private-sector rulemaking to address practices that may result in harm to consumers,” said Janet O. Estep, president and CEO of NACHA. “In developing these rules, NACHA incorporated broad industry feedback and balanced differing perspectives from many parties. The rules represent workable solutions that can be implemented by financial institutions.” Lending Club Can Be a Better Bank Than the Banks -…
  • Headline News from PaymentsNews.com - August 27, 2014

    Payments News Editor
    27 Aug 2014 | 6:07 am
    On the Web: Visa acquires strategic license of TrialPay’s technology to enhance the world of payments and offers - "TrialPay itself will remain independent, with no interruptions to any services or partnerships. Visa is not buying TrialPay, just our technology platform." - See also Visa's announcement. FBI Probes Possible Hacking Incident at J.P. Morgan - "The extent of the hacking—when it began, what it affected, and the potential costs for the company—weren't immediately clear." Lending Club, Leader in Peer-to-Peer, Plans I.P.O. - New York Times - "Lending Club has been…
  • Headline News from PaymentsNews.com - August 26, 2014

    Payments News Editor
    26 Aug 2014 | 3:57 am
    On the Web: In raising cash, Square heads for $6B valuation: Sources - CNBC - "The San Francisco-based company, led by Twitter co-founder Jack Dorsey, is aiming to reel in about $200 million, with part of it coming from the Government of Singapore Investment Corporation (GIC)..." India's Online Rules to Change How Companies Charge Customers - Wall St. Journal - "In a circular on Friday, the Reserve Bank of India said all transactions between Indian customers and Indian sellers need to be settled in the local currency, the rupee, and follow a two-step security procedure." Turkish Payment…
  • Headline News from PaymentsNews.com - August 25, 2014

    Payments News Editor
    25 Aug 2014 | 5:37 am
    On the Web: A Better Credit Card - New York Times - "No technology can eliminate fraud. But chip-based cards can make it harder for criminals to profit." Klarna, an Online Payment System Popular in Europe, Eyes Global Expansion - New York Times - "The payment system, which for highly rated users is almost as easy as a handshake, has found legions of fans in Europe in the last 10 years." Coin apologizes to customers, won't charge beta users $30 to upgrade - CNet - "Coin, the makers of an electronic device that stores credit and debit card info, issued an apology to customers on Saturday after…
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    The Bankwatch

  • 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…
  • Apple and IBM enter enterprise market together

    Colin Henderson
    15 Jul 2014 | 5:14 pm
    This seems like a seminal moment for Enterprise devices that to date were officially owned by Blackberry. Apple and IBM Forge Global Partnership to Transform Enterprise MobilityFiled under: Uncategorized
  • iOS and Android | Google and Apple strategies are clear, for now

    Colin Henderson
    6 Jul 2014 | 10:42 pm
    I found this a thoughtful and provocative article. Even the comments are worthwhile if you ignore the Apple vs Google troll comments. There is a distinction being drawn between Apple/iOS and Google/ Android, and its one that both reflects history of computing, and their respective business models which are very different. The next phase of smartphones Hence, WWDC was all about cloud as an enabler of rich native apps, while the most interesting parts of IO were about eroding the difference between apps and websites. … … The interaction models become different. I’ve said before…
 
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    Commercial Banking News - Commercial Banking News Headlines | Bizjournals.com

  • Former ArthroCare execs get decades in prison for $750M 'epic tale of greed'

    Christopher Calnan
    29 Aug 2014 | 3:21 pm
    Four former ArthroCare Corp. executives including the former CEO were sentenced Friday to prison terms for their role in a $750 million federal securities fraud case. U.S. District Judge Sam Sparks handed down a 20-year sentence for former CEO Michael Baker and 10 years for former Chief Financial Officer Michael Gluk two months after they were convicted by a federal jury of inflating the Austin medical products company’s earnings in a scheme that involved hiding so-called sold products in a Florida…
  • Working mothers: Have you asked for flexibility at work?

    Hilary Burns
    29 Aug 2014 | 1:56 pm
    Allison Newman walked into her boss’s office and said she was done. It was 2005 and Newman was overwhelmed with long investment banking hours at Wachovia. And she had a baby at home. She couldn’t do it anymore. She said she would leave her job and become a town banker, a job that would let her leave at 5 p.m. every day. To her surprise, her boss looked at her and said, “You’re not leaving.” He told her the bank would do whatever it took to keep her there — even if it meant more flexible…
  • Albuquerque company named top startup by Robert Bosch Venture Capital

    Dan Mayfield
    29 Aug 2014 | 1:50 pm
    Albuquerque’s TriLumina has been named the top startup of 2014 by Robert Bosch Venture Capital, one of the world’s largest funds. Annually, RBVC holds the Bosch Venture Forum where startups from across the globe are invited to Stuttgart, Germany to present their companies. RBVC is affiliated with Bosch GMBH, which makers power tools, appliances and is one of the world’s largest automotive suppliers. Robert Bosch Venture Capital selects 144 companies annually to submit proposals. This year,…
  • Liberty Property, DRA among landlords of troubled CRS facilities

    Ashley Gurbal Kritzer
    29 Aug 2014 | 1:48 pm
    Creative Recycling Systems' bankruptcy protection filing could be bad news for a number of large commercial landlords — but one may stand to profit as the company plans to consolidate its operations. The e-recycling firm plans to close more than a dozen operations up and down the Eastern Seaboard and into the Midwest, the company said in a bankruptcy filing Friday. It will close a 29,000-square-foot facility in Tampa at 1831 Massaro Blvd., which is owned by commercial real estate firm DRA, based…
  • Creative Recycling Systems files for Chapt. 11, plans to close many U.S. facilities

    Pam Huff
    29 Aug 2014 | 1:27 pm
    The receiver appointed to the Regions Bank vs. Creative Recycling Systems lawsuit in Tampa filed for Chapter 11 bankruptcy protection Friday on behalf of the company. As part of the bankruptcy case, CRS Holding of America LLC also filed an emergency motion to reject leases held around the United States, including one Tampa facility. (See a list of facilities below.) Jay B. Verona, attorney for receiver — and now chief restructuring officer — Robert Swett of Swett Consulting, said he expects…
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    Investment Banking News - Investment Banking News Headlines | Bizjournals.com

  • Former ArthroCare execs get decades in prison for $750M 'epic tale of greed'

    Christopher Calnan
    29 Aug 2014 | 3:21 pm
    Four former ArthroCare Corp. executives including the former CEO were sentenced Friday to prison terms for their role in a $750 million federal securities fraud case. U.S. District Judge Sam Sparks handed down a 20-year sentence for former CEO Michael Baker and 10 years for former Chief Financial Officer Michael Gluk two months after they were convicted by a federal jury of inflating the Austin medical products company’s earnings in a scheme that involved hiding so-called sold products in a Florida…
  • Working mothers: Have you asked for flexibility at work?

    Hilary Burns
    29 Aug 2014 | 1:56 pm
    Allison Newman walked into her boss’s office and said she was done. It was 2005 and Newman was overwhelmed with long investment banking hours at Wachovia. And she had a baby at home. She couldn’t do it anymore. She said she would leave her job and become a town banker, a job that would let her leave at 5 p.m. every day. To her surprise, her boss looked at her and said, “You’re not leaving.” He told her the bank would do whatever it took to keep her there — even if it meant more flexible…
  • Albuquerque company named top startup by Robert Bosch Venture Capital

    Dan Mayfield
    29 Aug 2014 | 1:50 pm
    Albuquerque’s TriLumina has been named the top startup of 2014 by Robert Bosch Venture Capital, one of the world’s largest funds. Annually, RBVC holds the Bosch Venture Forum where startups from across the globe are invited to Stuttgart, Germany to present their companies. RBVC is affiliated with Bosch GMBH, which makers power tools, appliances and is one of the world’s largest automotive suppliers. Robert Bosch Venture Capital selects 144 companies annually to submit proposals. This year,…
  • Liberty Property, DRA among landlords of troubled CRS facilities

    Ashley Gurbal Kritzer
    29 Aug 2014 | 1:48 pm
    Creative Recycling Systems' bankruptcy protection filing could be bad news for a number of large commercial landlords — but one may stand to profit as the company plans to consolidate its operations. The e-recycling firm plans to close more than a dozen operations up and down the Eastern Seaboard and into the Midwest, the company said in a bankruptcy filing Friday. It will close a 29,000-square-foot facility in Tampa at 1831 Massaro Blvd., which is owned by commercial real estate firm DRA, based…
  • Creative Recycling Systems files for Chapt. 11, plans to close many U.S. facilities

    Pam Huff
    29 Aug 2014 | 1:27 pm
    The receiver appointed to the Regions Bank vs. Creative Recycling Systems lawsuit in Tampa filed for Chapter 11 bankruptcy protection Friday on behalf of the company. As part of the bankruptcy case, CRS Holding of America LLC also filed an emergency motion to reject leases held around the United States, including one Tampa facility. (See a list of facilities below.) Jay B. Verona, attorney for receiver — and now chief restructuring officer — Robert Swett of Swett Consulting, said he expects…
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    Bank Lawyer's Blog

  • A Good Man(trap) Ain't Hard To Find

    Kevin Funnell
    24 Aug 2014 | 8:11 pm
    Back in 2006, we discussed the problems that one bank had when it installed what was then a relatively new technology called a "mantrap" in a branch located in a predominantly black neighborhood. Activists found the entire idea of bank personnel trapping a robber who just stole a wad of cash from the bank in a vestibule located between a rock and a hard place to be an obviously racist outrage. We were hard-pressed to find the discriminatory connection, but at the time, the bank deactivated the mantrap and opted instead to post signs asking those entering the branch to doff hats,…
  • De Novo Territory Still A Wasteland

    Kevin Funnell
    19 Aug 2014 | 7:50 pm
    *The collateral damage caused by a non-existent condition that actually exists--the oft-denied FDIC mortorium on de novo bank approvals--includes bank M&A activity. According to the American Banker's Robert Barba and industry participants that he interviewed, a vital portion of the bank "M&A food chain" has been eliminated. "It was normal for your bank to get bought and, two or three years later, sit around a kitchen table, decide to start a bank, plot to get local shareholders," said Timothy Chrisman, principal of executive the search firm Chrisman & Co.
  • HMDA Data Drill-Down

    Kevin Funnell
    17 Aug 2014 | 7:42 pm
    Attorney Warren Traiger thinks that the proposed CFPB changes to HMDA will be "a fair lending game changer" (paid subscription required). Information that is currently proprietary, like applicants' credit scores and debt-to-income ratios and loan fees and interest rates, will now be shared annually with the CFPB and other regulators. The proposal will also allow regulators and potentially the public to analyze mortgage lending practices by applicants' age as well as by race, ethnicity and sex. Regulators will no longer need to wait until examination time to assess a…
  • FinCEN: All's Well With Marijuana Banking

    Kevin Funnell
    12 Aug 2014 | 7:42 pm
    Apparently, FinCEN chief Jennifer Shasky Calvery has surveyed the battleground that is marijuana banking, decided that the battle has been won, and is telling the world to "move along now, nothing to see here" (paid subscription required). There are 105 U.S. financial institutions providing banking services to marijuana dispensaries and other pot businesses, a top federal official is expected to reveal in a speech Tuesday. Marijuana shops, which generate large amounts of cash and can be targets of thieves, have been lobbying for more access to the mainstream financial system. The…
  • Tarullo Intrigued

    Kevin Funnell
    10 Aug 2014 | 7:57 pm
    John Gorman wrote commentary in the American Banker last week that ought to add to community bank directors' already high level of angst. Gorman discussed a recent speech by Fed Governor Daniel Tarullo, in which Tarullo spoke favorably of a paper by two law school professors (the road to hell is paved with such papers) in which the good professors argue that directors of too big to fail banks should be held to a higher fiduciary duty than bank directors are held today. The focus of the professors was on the implied duty of "board oversight" of bank operations. The…
 
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  • Car brands that leave owners least satisfied

    31 Aug 2014 | 2:28 am
    Car brands that leave owners least satisfiedGettyWhile its parent company is popular and sales have soared recently, many Audi buyers are unhappy, a new study shows.Most disliked may surprise youMore from AOL AutosBest new finance dealsDon't miss these cash-back offers
  • Couple's love story began in an unlikely way

    31 Aug 2014 | 2:28 am
    Couple's love story began in an unlikely wayGettyThough they've been together for 10 years, Jennifer and Dan Digmann never expected to find each other where they did.Misfortune that united themMore from Everyday HealthScientists rewrite bad memoriesWhat athletes need to know
  • Europe poised to hit Russia with big penalty

    31 Aug 2014 | 2:28 am
    Europe poised to hit Russia with big penaltyGettyAngered over Russian troops in Ukraine, European officials prepared to take action against the 'military aggression and terror.'Point of no return nears More newsHalf of all Syrians displaced? Airstrikes target Islamic State
  • Want that 3am text to just disappear?

    31 Aug 2014 | 2:28 am
    Want that 3am text to just disappear?Getty23-year-old Natalie has a way to permanently delete texts from your friends' phones after sending.How she'll keep you from being mortifiedMore to seeNew fitness technology testedNetflix ends Saturday deliveries
  • What TV really looks like to dogs and cats

    31 Aug 2014 | 2:28 am
    What TV really looks like to dogs and catsGettyThere's a reason your furry friends aren't clamoring for the remote -- and it may surprise you.Different things dogs and cats see More to see What the sun does to your skinIf a fly lands on your food ...
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  • Car brands that leave owners least satisfied

    31 Aug 2014 | 2:28 am
    Car brands that leave owners least satisfiedGettyWhile its parent company is popular and sales have soared recently, many Audi buyers are unhappy, a new study shows.Most disliked may surprise youMore from AOL AutosBest new finance dealsDon't miss these cash-back offers
  • Couple's love story began in an unlikely way

    31 Aug 2014 | 2:28 am
    Couple's love story began in an unlikely wayGettyThough they've been together for 10 years, Jennifer and Dan Digmann never expected to find each other where they did.Misfortune that united themMore from Everyday HealthScientists rewrite bad memoriesWhat athletes need to know
  • Europe poised to hit Russia with big penalty

    31 Aug 2014 | 2:28 am
    Europe poised to hit Russia with big penaltyGettyAngered over Russian troops in Ukraine, European officials prepared to take action against the 'military aggression and terror.'Point of no return nears More newsHalf of all Syrians displaced? Airstrikes target Islamic State
  • Want that 3am text to just disappear?

    31 Aug 2014 | 2:28 am
    Want that 3am text to just disappear?Getty23-year-old Natalie has a way to permanently delete texts from your friends' phones after sending.How she'll keep you from being mortifiedMore to seeNew fitness technology testedNetflix ends Saturday deliveries
  • What TV really looks like to dogs and cats

    31 Aug 2014 | 2:28 am
    What TV really looks like to dogs and catsGettyThere's a reason your furry friends aren't clamoring for the remote -- and it may surprise you.Different things dogs and cats see More to see What the sun does to your skinIf a fly lands on your food ...
 
  • add this feed to my.Alltop

  • Car brands that leave owners least satisfied

    31 Aug 2014 | 2:28 am
    Car brands that leave owners least satisfiedGettyWhile its parent company is popular and sales have soared recently, many Audi buyers are unhappy, a new study shows.Most disliked may surprise youMore from AOL AutosBest new finance dealsDon't miss these cash-back offers
  • Couple's love story began in an unlikely way

    31 Aug 2014 | 2:28 am
    Couple's love story began in an unlikely wayGettyThough they've been together for 10 years, Jennifer and Dan Digmann never expected to find each other where they did.Misfortune that united themMore from Everyday HealthScientists rewrite bad memoriesWhat athletes need to know
  • Europe poised to hit Russia with big penalty

    31 Aug 2014 | 2:28 am
    Europe poised to hit Russia with big penaltyGettyAngered over Russian troops in Ukraine, European officials prepared to take action against the 'military aggression and terror.'Point of no return nears More newsHalf of all Syrians displaced? Airstrikes target Islamic State
  • Want that 3am text to just disappear?

    31 Aug 2014 | 2:28 am
    Want that 3am text to just disappear?Getty23-year-old Natalie has a way to permanently delete texts from your friends' phones after sending.How she'll keep you from being mortifiedMore to seeNew fitness technology testedNetflix ends Saturday deliveries
  • What TV really looks like to dogs and cats

    31 Aug 2014 | 2:28 am
    What TV really looks like to dogs and catsGettyThere's a reason your furry friends aren't clamoring for the remote -- and it may surprise you.Different things dogs and cats see More to see What the sun does to your skinIf a fly lands on your food ...
  • add this feed to my.Alltop

  • Car brands that leave owners least satisfied

    31 Aug 2014 | 2:28 am
    Car brands that leave owners least satisfiedGettyWhile its parent company is popular and sales have soared recently, many Audi buyers are unhappy, a new study shows.Most disliked may surprise youMore from AOL AutosBest new finance dealsDon't miss these cash-back offers
  • Couple's love story began in an unlikely way

    31 Aug 2014 | 2:28 am
    Couple's love story began in an unlikely wayGettyThough they've been together for 10 years, Jennifer and Dan Digmann never expected to find each other where they did.Misfortune that united themMore from Everyday HealthScientists rewrite bad memoriesWhat athletes need to know
  • Europe poised to hit Russia with big penalty

    31 Aug 2014 | 2:28 am
    Europe poised to hit Russia with big penaltyGettyAngered over Russian troops in Ukraine, European officials prepared to take action against the 'military aggression and terror.'Point of no return nears More newsHalf of all Syrians displaced? Airstrikes target Islamic State
  • Want that 3am text to just disappear?

    31 Aug 2014 | 2:28 am
    Want that 3am text to just disappear?Getty23-year-old Natalie has a way to permanently delete texts from your friends' phones after sending.How she'll keep you from being mortifiedMore to seeNew fitness technology testedNetflix ends Saturday deliveries
  • What TV really looks like to dogs and cats

    31 Aug 2014 | 2:28 am
    What TV really looks like to dogs and catsGettyThere's a reason your furry friends aren't clamoring for the remote -- and it may surprise you.Different things dogs and cats see More to see What the sun does to your skinIf a fly lands on your food ...
  • add this feed to my.Alltop

  • Car brands that leave owners least satisfied

    31 Aug 2014 | 2:28 am
    Car brands that leave owners least satisfiedGettyWhile its parent company is popular and sales have soared recently, many Audi buyers are unhappy, a new study shows.Most disliked may surprise youMore from AOL AutosBest new finance dealsDon't miss these cash-back offers
  • Couple's love story began in an unlikely way

    31 Aug 2014 | 2:28 am
    Couple's love story began in an unlikely wayGettyThough they've been together for 10 years, Jennifer and Dan Digmann never expected to find each other where they did.Misfortune that united themMore from Everyday HealthScientists rewrite bad memoriesWhat athletes need to know
  • Europe poised to hit Russia with big penalty

    31 Aug 2014 | 2:28 am
    Europe poised to hit Russia with big penaltyGettyAngered over Russian troops in Ukraine, European officials prepared to take action against the 'military aggression and terror.'Point of no return nears More newsHalf of all Syrians displaced? Airstrikes target Islamic State
  • Want that 3am text to just disappear?

    31 Aug 2014 | 2:28 am
    Want that 3am text to just disappear?Getty23-year-old Natalie has a way to permanently delete texts from your friends' phones after sending.How she'll keep you from being mortifiedMore to seeNew fitness technology testedNetflix ends Saturday deliveries
  • What TV really looks like to dogs and cats

    31 Aug 2014 | 2:28 am
    What TV really looks like to dogs and catsGettyThere's a reason your furry friends aren't clamoring for the remote -- and it may surprise you.Different things dogs and cats see More to see What the sun does to your skinIf a fly lands on your food ...
 
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  • Car brands that leave owners least satisfied

    31 Aug 2014 | 2:28 am
    Car brands that leave owners least satisfiedGettyWhile its parent company is popular and sales have soared recently, many Audi buyers are unhappy, a new study shows.Most disliked may surprise youMore from AOL AutosBest new finance dealsDon't miss these cash-back offers
  • Couple's love story began in an unlikely way

    31 Aug 2014 | 2:28 am
    Couple's love story began in an unlikely wayGettyThough they've been together for 10 years, Jennifer and Dan Digmann never expected to find each other where they did.Misfortune that united themMore from Everyday HealthScientists rewrite bad memoriesWhat athletes need to know
  • Europe poised to hit Russia with big penalty

    31 Aug 2014 | 2:28 am
    Europe poised to hit Russia with big penaltyGettyAngered over Russian troops in Ukraine, European officials prepared to take action against the 'military aggression and terror.'Point of no return nears More newsHalf of all Syrians displaced? Airstrikes target Islamic State
  • Want that 3am text to just disappear?

    31 Aug 2014 | 2:28 am
    Want that 3am text to just disappear?Getty23-year-old Natalie has a way to permanently delete texts from your friends' phones after sending.How she'll keep you from being mortifiedMore to seeNew fitness technology testedNetflix ends Saturday deliveries
  • What TV really looks like to dogs and cats

    31 Aug 2014 | 2:28 am
    What TV really looks like to dogs and catsGettyThere's a reason your furry friends aren't clamoring for the remote -- and it may surprise you.Different things dogs and cats see More to see What the sun does to your skinIf a fly lands on your food ...
  • add this feed to my.Alltop

  • Car brands that leave owners least satisfied

    31 Aug 2014 | 2:28 am
    Car brands that leave owners least satisfiedGettyWhile its parent company is popular and sales have soared recently, many Audi buyers are unhappy, a new study shows.Most disliked may surprise youMore from AOL AutosBest new finance dealsDon't miss these cash-back offers
  • Couple's love story began in an unlikely way

    31 Aug 2014 | 2:28 am
    Couple's love story began in an unlikely wayGettyThough they've been together for 10 years, Jennifer and Dan Digmann never expected to find each other where they did.Misfortune that united themMore from Everyday HealthScientists rewrite bad memoriesWhat athletes need to know
  • Europe poised to hit Russia with big penalty

    31 Aug 2014 | 2:28 am
    Europe poised to hit Russia with big penaltyGettyAngered over Russian troops in Ukraine, European officials prepared to take action against the 'military aggression and terror.'Point of no return nears More newsHalf of all Syrians displaced? Airstrikes target Islamic State
  • Want that 3am text to just disappear?

    31 Aug 2014 | 2:28 am
    Want that 3am text to just disappear?Getty23-year-old Natalie has a way to permanently delete texts from your friends' phones after sending.How she'll keep you from being mortifiedMore to seeNew fitness technology testedNetflix ends Saturday deliveries
  • What TV really looks like to dogs and cats

    31 Aug 2014 | 2:28 am
    What TV really looks like to dogs and catsGettyThere's a reason your furry friends aren't clamoring for the remote -- and it may surprise you.Different things dogs and cats see More to see What the sun does to your skinIf a fly lands on your food ...
  • add this feed to my.Alltop

  • Car brands that leave owners least satisfied

    31 Aug 2014 | 2:28 am
    Car brands that leave owners least satisfiedGettyWhile its parent company is popular and sales have soared recently, many Audi buyers are unhappy, a new study shows.Most disliked may surprise youMore from AOL AutosBest new finance dealsDon't miss these cash-back offers
  • Couple's love story began in an unlikely way

    31 Aug 2014 | 2:28 am
    Couple's love story began in an unlikely wayGettyThough they've been together for 10 years, Jennifer and Dan Digmann never expected to find each other where they did.Misfortune that united themMore from Everyday HealthScientists rewrite bad memoriesWhat athletes need to know
  • Europe poised to hit Russia with big penalty

    31 Aug 2014 | 2:28 am
    Europe poised to hit Russia with big penaltyGettyAngered over Russian troops in Ukraine, European officials prepared to take action against the 'military aggression and terror.'Point of no return nears More newsHalf of all Syrians displaced? Airstrikes target Islamic State
  • Want that 3am text to just disappear?

    31 Aug 2014 | 2:28 am
    Want that 3am text to just disappear?Getty23-year-old Natalie has a way to permanently delete texts from your friends' phones after sending.How she'll keep you from being mortifiedMore to seeNew fitness technology testedNetflix ends Saturday deliveries
  • What TV really looks like to dogs and cats

    31 Aug 2014 | 2:28 am
    What TV really looks like to dogs and catsGettyThere's a reason your furry friends aren't clamoring for the remote -- and it may surprise you.Different things dogs and cats see More to see What the sun does to your skinIf a fly lands on your food ...
 
  • add this feed to my.Alltop

  • Car brands that leave owners least satisfied

    31 Aug 2014 | 2:28 am
    Car brands that leave owners least satisfiedGettyWhile its parent company is popular and sales have soared recently, many Audi buyers are unhappy, a new study shows.Most disliked may surprise youMore from AOL AutosBest new finance dealsDon't miss these cash-back offers
  • Couple's love story began in an unlikely way

    31 Aug 2014 | 2:28 am
    Couple's love story began in an unlikely wayGettyThough they've been together for 10 years, Jennifer and Dan Digmann never expected to find each other where they did.Misfortune that united themMore from Everyday HealthScientists rewrite bad memoriesWhat athletes need to know
  • Europe poised to hit Russia with big penalty

    31 Aug 2014 | 2:28 am
    Europe poised to hit Russia with big penaltyGettyAngered over Russian troops in Ukraine, European officials prepared to take action against the 'military aggression and terror.'Point of no return nears More newsHalf of all Syrians displaced? Airstrikes target Islamic State
  • Want that 3am text to just disappear?

    31 Aug 2014 | 2:28 am
    Want that 3am text to just disappear?Getty23-year-old Natalie has a way to permanently delete texts from your friends' phones after sending.How she'll keep you from being mortifiedMore to seeNew fitness technology testedNetflix ends Saturday deliveries
  • What TV really looks like to dogs and cats

    31 Aug 2014 | 2:28 am
    What TV really looks like to dogs and catsGettyThere's a reason your furry friends aren't clamoring for the remote -- and it may surprise you.Different things dogs and cats see More to see What the sun does to your skinIf a fly lands on your food ...
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  • Car brands that leave owners least satisfied

    31 Aug 2014 | 2:28 am
    Car brands that leave owners least satisfiedGettyWhile its parent company is popular and sales have soared recently, many Audi buyers are unhappy, a new study shows.Most disliked may surprise youMore from AOL AutosBest new finance dealsDon't miss these cash-back offers
  • Couple's love story began in an unlikely way

    31 Aug 2014 | 2:28 am
    Couple's love story began in an unlikely wayGettyThough they've been together for 10 years, Jennifer and Dan Digmann never expected to find each other where they did.Misfortune that united themMore from Everyday HealthScientists rewrite bad memoriesWhat athletes need to know
  • Europe poised to hit Russia with big penalty

    31 Aug 2014 | 2:28 am
    Europe poised to hit Russia with big penaltyGettyAngered over Russian troops in Ukraine, European officials prepared to take action against the 'military aggression and terror.'Point of no return nears More newsHalf of all Syrians displaced? Airstrikes target Islamic State
  • Want that 3am text to just disappear?

    31 Aug 2014 | 2:28 am
    Want that 3am text to just disappear?Getty23-year-old Natalie has a way to permanently delete texts from your friends' phones after sending.How she'll keep you from being mortifiedMore to seeNew fitness technology testedNetflix ends Saturday deliveries
  • What TV really looks like to dogs and cats

    31 Aug 2014 | 2:28 am
    What TV really looks like to dogs and catsGettyThere's a reason your furry friends aren't clamoring for the remote -- and it may surprise you.Different things dogs and cats see More to see What the sun does to your skinIf a fly lands on your food ...
  • add this feed to my.Alltop

  • Car brands that leave owners least satisfied

    31 Aug 2014 | 2:28 am
    Car brands that leave owners least satisfiedGettyWhile its parent company is popular and sales have soared recently, many Audi buyers are unhappy, a new study shows.Most disliked may surprise youMore from AOL AutosBest new finance dealsDon't miss these cash-back offers
  • Couple's love story began in an unlikely way

    31 Aug 2014 | 2:28 am
    Couple's love story began in an unlikely wayGettyThough they've been together for 10 years, Jennifer and Dan Digmann never expected to find each other where they did.Misfortune that united themMore from Everyday HealthScientists rewrite bad memoriesWhat athletes need to know
  • Europe poised to hit Russia with big penalty

    31 Aug 2014 | 2:28 am
    Europe poised to hit Russia with big penaltyGettyAngered over Russian troops in Ukraine, European officials prepared to take action against the 'military aggression and terror.'Point of no return nears More newsHalf of all Syrians displaced? Airstrikes target Islamic State
  • Want that 3am text to just disappear?

    31 Aug 2014 | 2:28 am
    Want that 3am text to just disappear?Getty23-year-old Natalie has a way to permanently delete texts from your friends' phones after sending.How she'll keep you from being mortifiedMore to seeNew fitness technology testedNetflix ends Saturday deliveries
  • What TV really looks like to dogs and cats

    31 Aug 2014 | 2:28 am
    What TV really looks like to dogs and catsGettyThere's a reason your furry friends aren't clamoring for the remote -- and it may surprise you.Different things dogs and cats see More to see What the sun does to your skinIf a fly lands on your food ...
 
  • add this feed to my.Alltop

  • Car brands that leave owners least satisfied

    31 Aug 2014 | 2:28 am
    Car brands that leave owners least satisfiedGettyWhile its parent company is popular and sales have soared recently, many Audi buyers are unhappy, a new study shows.Most disliked may surprise youMore from AOL AutosBest new finance dealsDon't miss these cash-back offers
  • Couple's love story began in an unlikely way

    31 Aug 2014 | 2:28 am
    Couple's love story began in an unlikely wayGettyThough they've been together for 10 years, Jennifer and Dan Digmann never expected to find each other where they did.Misfortune that united themMore from Everyday HealthScientists rewrite bad memoriesWhat athletes need to know
  • Europe poised to hit Russia with big penalty

    31 Aug 2014 | 2:28 am
    Europe poised to hit Russia with big penaltyGettyAngered over Russian troops in Ukraine, European officials prepared to take action against the 'military aggression and terror.'Point of no return nears More newsHalf of all Syrians displaced? Airstrikes target Islamic State
  • Want that 3am text to just disappear?

    31 Aug 2014 | 2:28 am
    Want that 3am text to just disappear?Getty23-year-old Natalie has a way to permanently delete texts from your friends' phones after sending.How she'll keep you from being mortifiedMore to seeNew fitness technology testedNetflix ends Saturday deliveries
  • What TV really looks like to dogs and cats

    31 Aug 2014 | 2:28 am
    What TV really looks like to dogs and catsGettyThere's a reason your furry friends aren't clamoring for the remote -- and it may surprise you.Different things dogs and cats see More to see What the sun does to your skinIf a fly lands on your food ...
  • add this feed to my.Alltop

  • Car brands that leave owners least satisfied

    31 Aug 2014 | 2:28 am
    Car brands that leave owners least satisfiedGettyWhile its parent company is popular and sales have soared recently, many Audi buyers are unhappy, a new study shows.Most disliked may surprise youMore from AOL AutosBest new finance dealsDon't miss these cash-back offers
  • Couple's love story began in an unlikely way

    31 Aug 2014 | 2:28 am
    Couple's love story began in an unlikely wayGettyThough they've been together for 10 years, Jennifer and Dan Digmann never expected to find each other where they did.Misfortune that united themMore from Everyday HealthScientists rewrite bad memoriesWhat athletes need to know
  • Europe poised to hit Russia with big penalty

    31 Aug 2014 | 2:28 am
    Europe poised to hit Russia with big penaltyGettyAngered over Russian troops in Ukraine, European officials prepared to take action against the 'military aggression and terror.'Point of no return nears More newsHalf of all Syrians displaced? Airstrikes target Islamic State
  • Want that 3am text to just disappear?

    31 Aug 2014 | 2:28 am
    Want that 3am text to just disappear?Getty23-year-old Natalie has a way to permanently delete texts from your friends' phones after sending.How she'll keep you from being mortifiedMore to seeNew fitness technology testedNetflix ends Saturday deliveries
  • What TV really looks like to dogs and cats

    31 Aug 2014 | 2:28 am
    What TV really looks like to dogs and catsGettyThere's a reason your furry friends aren't clamoring for the remote -- and it may surprise you.Different things dogs and cats see More to see What the sun does to your skinIf a fly lands on your food ...
 
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    MyBankTracker.com

  • Checking Account Fee Comparison at Top 10 U.S. Banks: Summer 2014

    Theresa Kim
    31 Aug 2014 | 2:00 am
    Free checking accounts have been non-existent at major U.S. banks for quite some time now, but you can still get your checking accounts for free. Many banks are willing to waive the cost of these pesky monthly fees when certain requirements are met — typically by maintaining a minimum balance or by posting direct deposits every month. Here is the basic checking account fee comparison at the 10 biggest banks in the U.S. Flickr|https://www.flickr.com/photos/traderchris/5400150094/sizes/l  Reasons for a monthly checking account fee Why do banks consistently charge these fees despite…
  • 5 Excellent Credit Habits to Follow for an Instant Jump In Your Credit Score

    Holly Martins
    30 Aug 2014 | 2:01 am
    Learning how to boost your credit profile is never a bad thing, as many of us try to stretch our dollars by using credit. Most consumers that have excellent credit habits have established solid financial routines that we can all learn from. Shutterstock Here is a look at the best habits of consumers with excellent credit. See if you can boost your own scores by making these your own excellent credit habits. Habit #1 – Payments made on time On-time payments are one of the most important habits driving a credit score and those with excellent credit do not miss their payments. Those who have…
  • A Study About Home Affordability by Region Proves That Now Is the Time to Buy

    Peter Bennett
    29 Aug 2014 | 12:49 pm
    There may be no better time than now to buy a home, with mortgage rates scraping 2014 lows and recent home affordability by region data looking very promising. Flickr | https://www.flickr.com/photos/ugardener/6963051644/in/photolist-bBisEy-a7KzBz-fqGPm9-8twmdq-eXUT3s-dKsMPA-5Q29ZY-nbv83X-5VKAVF-bQd6vK-eESha7-hJd2zp-fySeX-aFnVcY-aFj6PB-3bLVTw-eNLCAv-5Qi5Xn-5W7Gcd-aDtYJu-aA5aEt-c36NC1-aA8ch9-5W2mp9-awvfCK-a7SCqK-dKsMab-5yEkf9-c1phUJ-a7SCjD-a7SDyZ-6D9wpk-6D9vm2-7UeAQc-bsX2k-f2Yz7Z-97mEYk-dHegEi-dKnooe-oCtGLs-aSaVSD-dKsM4y-6HUxpe-aF8LTo-GX4Xy-hJwUcv-4HjsJb-4rfkg-oJ7j8-eWuSxu This month, HSH.com,…
  • Keep Your Finances Under Control With Our Fall Financial Check-Up Guide

    Holly Martins
    29 Aug 2014 | 9:07 am
    The time of year has arrived to assess your finances. It’s a great opportunity to make sure you’re in tip-top financial health. Use this financial check-up guide to help you answer key money questions, spot potential problems, and then act accordingly. Flickr |…
  • Smart Ways Parents Can Save on Back-to-School Shopping With a Rewards Credit Card

    Daryl Paranada
    29 Aug 2014 | 2:00 am
    The end of summer marks the beginning of school for many American families. With school starting again, that means it’s time to shop for back-to-school items. Restocking your kids’ school supplies from last year won’t be cheap — and if you’re not careful, it might even be harmful to your bank account. Flickr |…
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    Payments Views from Glenbrook Partners

  • Hostility in Payments

    Scott Loftesness
    19 Aug 2014 | 6:52 am
    The recent entry of Amazon.com into the small merchant mobile POS card acceptance market may signal the last phase of increasing hostility in the US merchant acquiring segment of the card payments business. Prior to the launch of Square in 2010, the merchant acquiring business in the US might have been described as having some of the characteristics of an oligopoly. The existing players had reached a rough equilibrium that was based on complex pricing schedules and a lack of pricing transparency. The market could be described as relatively inefficient and having high friction. Large merchants…
  • Full SEPA is Here, At Last

    Manfred Schuck
    31 Jul 2014 | 3:00 am
    This week, we are delighted to feature a post by Manfred Schuck, a payments consultant from Frankfurt.  Manfred will co-lead with Elizabeth McQuerry our upcoming Payments in Europe Insight workshop to be held in Mountain View, CA on October 9.  On January 1st, 2001 fifteen European countries introduced notes and coins of a new common currency.  At this singular moment, fifteen national currencies ceased to exist and a new star, the EURO, was born. That was also the first step in the creation of SEPA, the “Single Euro Payments Area”! Among those fifteen countries, there were many…
  • Bitcoin and Payments Survey 2014

    George Peabody
    29 Jul 2014 | 3:00 am
    We’re at it again. We’re conducting our second annual Bitcoin and Payments Survey. Please participate! The survey takes about 7 minutes, maybe less. Do it from your smartphone while you’re waiting in the market’s check-out line or on the sofa using your tablet. The survey is mobile friendly. This year we ask a few new questions about novel approaches to math-based currencies. We also dive back into your thoughts on Bitcoin’s future and its major use cases.     Like last year, the survey is anonymous but if you want to leave your email, we’ll send…
  • What the BRICS Tell Us About Payments

    Elizabeth McQuerry
    17 Jul 2014 | 3:00 am
    As the leaders of the BRICS group of nations gather this week in Brazil (now that the World Cup crowds are gone), I’ve asked myself if that meeting has any important implications for payments. The BRICS moniker is often applied to a group of countries that share the characteristics large, young populations and high economic growth rates, Brazil, Russia, India, China and South Africa. The BRICS share another characteristic, fast growing payment markets along with their economies, cash evolving toward electronic payments and young populations coming of age and, ideally, gaining access to…
  • Learnings from the Bitcoin Workshop

    George Peabody
    10 Jul 2014 | 3:00 am
    Bryan Derman and I led Glenbrook’s second Bitcoin: Basics and Beyond workshop a couple of weeks go, this time in NYC from the 22nd floor board room of the Downtown Conference Center, a great space (the staff took great care of us, too, thank you). As with every Glenbrook workshop—especially with our smaller Insight workshops on topics like Bitcoin, Data in Payments, Payments in Europe and B2B Payments—the questions and discussion enriched the experience for Bryan, me, and the business leaders who joined us for the workshop. The combination of commentary, insight, and the process of…
 
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    KIVA Blog

  • So you generate a bunch of leads and referrals, what then?

    18 Aug 2014 | 12:10 am
    Over the past 20 years, most successful financial services organizations have invested in the concept of developing a sales culture. Certainly training and hiring practices have played key roles in executing this strategy, but now technology needs to move the game to a new level. Automation of the sales process to date has focused largely on "next best product", sales and incentive plan administration, reporting and new account fulfillment. Lots of success, then what? A major opportunity to advance the sales strategy, that has been largely overlooked, is to automate the referral management…
  • Big Data.…Big Deal

    28 Aug 2013 | 12:06 am
    Of course the Big Vendors love Big Data it drags Big Hardware, Big Software, Big Consulting Fees.  We have seen Millions and Millions of Dollars, Pesos, and Bahts spent on Data Warehouses and other Data Management strategies all aimed at making “silo-ed data” accessible for organizational usage.  But while millions are spent to gather the data, the investments in frontline delivery technology are lagging. We recently met with a large organization who completed their Data Warehouse project with a large database provider and had no ability, whatsoever, to deliver the informational…
  • Talking to a “machine” doesn’t equate to poor customer service

    5 Mar 2013 | 2:49 am
    Personalized service is not lost due to the impersonal nature of technology. In fact, technology provides numerous opportunities for enhancing personalized service—it’s all about the way its applied to the interaction.Often times I hear bankers say “when our customers call us, a live person answers, not a machine.” Now, don’t get me wrong, this is a nice touch, but what happens next? Most people don’t mind interacting with a “machine” if the process is logical, clear and efficient. This is often much better than waiting on hold or being transferred three times, having to…
  • Where is the traditional teller role heading…oblivion?

    3 Jan 2013 | 8:54 am
    Indications are that the primary role of tellers will change at some institutions in the next few years, but not all. Conducting routine financial transactions with a live person is still preferred by a significant portion of the customer base, especially customers amongst an older demographic who tend to have higher net worth. Many institutions attempt to cost justify this personal service, through transaction fees or offsetting investments, with varying success. However, there is big opportunity to get a tangible payback on the Teller role—position them to participate in customer…
  • What defines a great Customer Experience?

    3 Dec 2012 | 12:57 am
    Perhaps it comes down to the question of what constitutes great service. My favorite answer being “I can’t define great service, but I know it when I see it.” I recently asked a group of call center managers this very question and the popular reply was “treat people the way you would want to be treated.” One person piped up and said that was wrong…You should treat people as they wish to be treated. Both are good points, but too conceptual. What works for you? For me, a great experience is made up of a series of basic steps: For starters, I like a genuine greeting with a smile that…
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    BBR - Asset Management News

  • BMO Global selects Charles River investment management solution

    14 Aug 2014 | 1:18 am
    Charles River, an enterprise-wide, front- and middle-office investment management solution provider, announced that BMO Global Asset Management has selected the Charles River Investment Management Solution (Charles River IMS) for its Hong Kong and London operations.
  • SEC files securities fraud charges against Kansas

    12 Aug 2014 | 1:34 am
    The Securities and Exchange Commission announced securities fraud charges against the state of Kansas stemming from a nationwide review of bond offering documents to determine whether municipalities were properly disclosing material pension liabilities and other risks to investors.
  • Blackstone, KKR and TPG reach settlement on collusion case

    7 Aug 2014 | 9:09 pm
    Blackstone Group, KKR and TPG Capital have reportedly agreed to settle charges that they conspired to suppress competition in some of the biggest buyout deals before the financial crisis.
  • Nomura partners with Bridge Capital Asset Management

    7 Aug 2014 | 1:23 am
    Nomura Asset Management Co., Ltd. (NAM) announced that it has entered into an alliance agreement with Bridge Capital Asset Management Co., Ltd. (Bridge Capital), an investment manager specializing in incubation funds investing in hedge funds.
  • First State Super selects MSCI Multi-Asset Class Risk Management Platform

    31 Jul 2014 | 1:44 am
    MSCI Inc., a provider of investment decision support tools worldwide, announced that one of Australia's largest superannuation funds, First State Super (FTC), has selected BarraOne, MSCI's multi-asset class risk management and performance attribution platform, to help the continued evolution of their investment process.
 
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    spark

  • 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.
  • Social for Business Disconnect: the Employer vs Employee

    Denise Bahs
    19 Jun 2014 | 11:00 am
    Around the summer of 2009, I was working for a trade association and social media was starting to look like more than a flash in the pan. So, my marketing pal and I took some classes on Facebook and (the) Twitter. We figured we better learn these new channels so as to better disseminate our company’s information. This will be great! A new way to market our messages! Wrong. As I traveled the path of social media enlightenment, I found that social media is nothing more than a communication tool which enables engagement and ultimately, trust. No one wants a promotional message pushed on them.
  • Utopian Society or Skynet?

    Denise Bahs
    5 Jun 2014 | 7:23 am
    Coincidentally, inside one week, I saw the movie, Her, starring Joaquin Phoenix and Scarlett Johansson (about a man who falls in love with an operating system which gains consciousness) and a TEDTalks video (below) featuring Ray Kurzweil, about the future of our brains as hybrids for thinking. No puns here, this stuff is mind blowing. Kurzweil has 19 honorary doctorates, honors from three presidents and has been described as a “relentless genius” by The Wall Street Journal. In essence, super smart. Kurzweil predicts that 20 years from now, nanobots (really small robots) will enter the…
 
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    Mountain Money by MACU

  • 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…
  • Security Tips for Bank Cards

    Mountain America
    9 Jun 2014 | 1:59 pm
    It’s happening all too often these days: Corporate retailers holding sensitive financial data of their customers get hacked, and Internet thieves steal millions of people’s financial and personal data with a series of mouse clicks. In the wake of data hacks like the Target card scandal of late 2013 and the more recent credit card information breach with Michael’s stores, the outlook on financial data security can seem bleak. You may wonder, “Who is going to get hacked next?” Cybercrime has become such an issue for Americans, it even trumped security concerns for U.S. troops in the…
  • Customer Loyalty Programs: Worth It or a Waste?

    Mountain America
    13 May 2014 | 4:16 pm
    The number of businesses advertising customer loyalty cards and incentive programs is seemingly limitless. Rewarding consumers for consistent patronage by providing perks that keep them coming back is not a new concept. But are these programs really worth it for the customer? The answer is not always a resounding yes. A lot depends on the expectations of the consumer, who should always know to read the fine print while keeping a close watch on his or her account. Not all loyalty programs are created equally, so before getting your hopes up, here are some things to keep in mind as a shopper…
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    Bankrate.com » Banking

  • Cyberattack hits Chase, other banks

    Allison Ross
    28 Aug 2014 | 10:00 am
    A number of U.S. banks, including JPMorgan Chase, were hit earlier this month by cyberattacks.
  • Financial to-dos for back to school

    Allison Ross
    27 Aug 2014 | 2:00 pm
    Students should look for checking features that will keep them more connected to their budget and their account balances,
  • Credit unions: Is one right for you?

    Allison Ross
    25 Aug 2014 | 12:30 pm
    SNL Financial says that it has seen six instances of credit unions buying banks in the last several years.
  • Consumers still use bank branches

    David McMillin
    22 Aug 2014 | 11:30 am
    Americans aren't ready to replace bank branches with mobile technology, a survey shows.
  • Should women be on paper money?

    Allison Ross
    22 Aug 2014 | 10:00 am
    George Washington, Abraham Lincoln, Alexander Hamilton, Benjamin Franklin -- these people have a number of things in common. They are all famous U.S. figures. (No, they were not all U.S. presidents.) Their faces are all on U.S. currency. And they are all men. Indeed, all U.S. paper currency notes bear the faces of American forefathers
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    Banking Sense

  • Bank of America Home Loans Review: Loan Types Offered

    Natalie Cooper
    30 Aug 2014 | 6:00 am
    Once you have made the decision to begin the home search, you need to consider home loan options. With the variety of available lending solutions and sources, finding the best option can be difficult. Bank of America is one lending source to consider that offers a variety of home loan options. As with any loan source, though, Bank of America has various pros and cons associated with their available mortgage options and lending solutions. Bank of America’s History Bank of America is a financial institution with a history that extends two centuries. The bank was founded in Charlotte,…
  • What is a FICO Score?

    Natalie Cooper
    29 Aug 2014 | 3:30 pm
    For many young and even older Americans, the topic of a credit score can be quite dubious. You can never instantly know what your credit score is, unless you use your annual free report, directly contacting the credit bureau, or utilizing a credit monitoring service. These traditional methods are still pretty convenient, but it seems like another credit score tool is moving into the neighborhood. FICO, also known as the Fair Isaac Corporation, is a corporation that provides individuals and lenders with an instant credit score through a purchase. However, while the new guy on the block may…
  • American Express Credit Card: Accepted More Than You Think

    Natalie Cooper
    29 Aug 2014 | 1:00 pm
    Those who have never had the experience of using an American Express credit card might be surprised to learn that opinions surrounding these cards are relatively polarizing. Known for being especially popular among high-spending consumers thanks to their significant rewards packages, American Express cards also tend to come with annual fees in the hundreds of dollars (if not more). Of course, these facts about the card are often supplemented with a common complaint: many merchants are unwilling to accept American Express cards, preferring to only take Visa or MasterCard. Given how frequently…
  • Good Credit Score: Why You Need One

    Natalie Cooper
    29 Aug 2014 | 10:00 am
    These days you need to know your credit score and make an effort to keep it high. For many, there is some confusion as to what your credit score is and why, exactly, it is important. Your credit score, also known as a FICO score, is a score revealing how worthy you are of receiving credit, or loaned money. There are five components to your credit score, which can range from a low of 500, meaning very bad credit, to a top score of 850. A median score of 720 is considered good, while a score below 600 is bad. Your score reveals how likely you are to pay back money. When you make purchases with…
  • How To Write a Business Plan

    Natalie Cooper
    29 Aug 2014 | 6:00 am
    Are you starting a new business or expanding your current business? If you are, you definitely need a business plan. What is a business plan? Essentially, it is a road map of where you currently are with your business to where you want to take your business. Along this map will be smooth sailing as well as mountains and valleys, but if you make a good plan and stick to it, there is no reason you can’t succeed. This sounds easy enough, but you need to be serious about this plan and make sure that you include everything necessary to ensure a positive outcome. It can be helpful to work…
 
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