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Michael Carter

Recent Posts

Banking As A Platform: Not A Slam Dunk

Posted by Michael Carter on Fri, Feb 24, 2017 @ 11:02 AM


Editor's Note: The most significant trend of 2016 will be the 'platformication' of banking, where both existing banks and startups begin a strategic shift towards becoming banking platforms, much like how Amazon is a platform in retail." - Ron Shevlin. In this blog, we discuss the concept of Banking as a Platform and how it works within financial institutions.

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Topics: digital banking platform

On Leaders, Laggards and the Middle Way

Posted by Michael Carter on Fri, Feb 17, 2017 @ 11:02 AM

Editor's Note: In part two of this blog series, we take a deeper dive into the recent Forrester Report, "The State of Digital Banking, 2016.".  In the blog, we discuss the premise of leaders vs. laggards in greater detail as well as thoughts on the origin of the digital disruption in the financial services industry. 

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Topics: fintech, Forrester Research, Laggards, Leaders

On Ignoring Pundits, The Theory of Shiny Objects and Untimely Distractions

Posted by Michael Carter on Wed, Feb 15, 2017 @ 09:02 AM

Editor's Note: In this blog, we discuss Nassim Nicholas Taleb's book Antifragile and how it relates to the financial services industry. As consumers become more connected than ever before, it's crucial that banks and credit unions evaluate the industry deeply and create digital strategies for long-term success, not just using what's new.

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Topics: banks, digital banking, credit unions, financial institutions, Digital Transformation, Nicolas Taleb, Forrester Research, Laggards, Antifragile, Leaders

Old Channels Never Die, But How They Are Used Should Change

Posted by Michael Carter on Tue, Jan 17, 2017 @ 11:01 AM


Editor's Note: We are more digitally connected than ever before, and that trend doesn't seem to be slowing down anytime soon. As the digital web continues to become part of our daily lives, it leaves an enormous amount of opportunities for banks and credit unions to capitalize on. In this blog we discuss customer interaction and how banks can succeed if they can adapt!

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Topics: digital banking, Millennials, mobile

The Surprises in Marous' 2017 Trends

Posted by Michael Carter on Tue, Jan 10, 2017 @ 14:01 PM


Editor's Note: Last month, Jim Marous of The Financial Brand published an article "Top 10 Strategic Priorities for Banking in 2017. In this blog, we reflect and take a deeper look into the priorities that Marous discusses in his article. 2017 is going to be a crucial year for many financial institutions, and it appears that digital is going to play a substantial role.

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Topics: digital banking, Jim Marous, 2017

Mighty Mo'

Posted by Michael Carter on Thu, Dec 8, 2016 @ 14:12 PM

Editor's Note: Momentum, is defined by some as "the impetus gained by a moving object". In this blog, we discuss momentum as it relates to the digital banking world. Among those we look at platformification, anticipation, the rise of smaller banks, and the digital core. Does your financial institution have the momentum for a successful 2017 and beyond?

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Recap of the Source Media Small Business Banking Conference

Posted by Michael Carter on Fri, Nov 18, 2016 @ 09:11 AM

 Editor's Note: The D3 Banking team recently attended the Small Business Banking Conferenc in Palm Beach Florida. In this blog, we review the show and discuss our biggest takeaways. Overall, we felt that the show was fairly successful and we will for sure be attending again in 2017!

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Topics: digital bank, small business

If It's not Baroque, Don't Fix It

Posted by Michael Carter on Mon, Nov 7, 2016 @ 15:11 PM

Editor's Note: In this blog, we discuss baroque architecture and what it means for Digital Banking. Forrester analyst, Jost Hoppermann uses this analogy when discussing his "Trends in Digital Banking  Applications for 2017". We examine the brief in more detail as well as how it relates to a previous report, also by Jost, where he introduces Digital Core Banking!

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Topics: digital banking, trends, 2017

Forrester's Hoppermann on New Digital Core

Posted by Michael Carter on Fri, Oct 28, 2016 @ 09:10 AM


 Editor's Note: Forrester analyst, Jost Hoppermann, recently published a report entitled "An Introduction to Digital Core Banking." In this blog, we break down the report and discuss what a digital banking core renewal means for financial institutions.

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Topics: digital banking, core renewal

For Small Business, There is No Such Thing as One Size Fits All Banking

Posted by Michael Carter on Mon, Oct 17, 2016 @ 10:10 AM


Editor's Note: In this blog we take a look at small businesses and the pain that many of them face with their online banking solutions. Small businesses are opening and evolving at an extremely rapid rate. However, the banking solutions that are available for small businesses simply aren't keeping up. Many small business owners are forced to use corporate solutions, or manage their finances in a consumer account. If financial institutions want to properly serve their small business customers, they need to provide a solution sized appropriately.

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Topics: digital banking, webinar, small business