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Digital Banking Technologies We Can All be Thankful For

Posted by Eric Brandt on Mon, Nov 28, 2016 @ 11:11 AM

Editor's Note: Many have said that technology makes our lives easier. When it comes to digital banking, we believe that there is some truth to that statement. As Thanksgiving wraps up, we take a moment to reflect on some of the digital banking technology that we're thankful for.

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Topics: digital banking, mobile, fintech

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

The Installed Base of Users Phenomenon

Posted by Michael Carter on Tue, Sep 27, 2016 @ 10:09 AM

Editors Note: Although behind industries such as retailing, financial institutions are starting to take the steps necessary to realize the digital transformations required to better serve their customers.  Many banks and credit unions are walking a tightrope trying to keep current users happy, satisfying their understandable need to manage risk, while still advancing their digital banking offerings. For many executives at these institutions, the decision is between getting stop gap functionality from the providers of their legacy systems, or looking to emerging platforms built specifically to accommodate the demands of the increasing number of digitrazzi in their customer base.  Stessa Cohen discusses this and more in her latest report.

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Topics: digital banking, digital banking platform

Will Financial Institutions Meet the Same Fate as Model T?

Posted by Michael Carter on Tue, Sep 13, 2016 @ 13:09 PM


Editor's Note: As the role financial institutions play in their customer's lives changes, it's crucial that they make changes or run the risk of being forgotten. On September 27th at 10:00 CT, Peter Wannemacher will present a webinar on "Reinventing Bank Brands" where he will focus on this critical decision for banks and credit unions.

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The Digital Banking Starting Line Up

Posted by Eric Brandt on Fri, Sep 2, 2016 @ 07:09 AM

Editor's Note: Much has been written about the "Platformification of Banking" by  Jim Marous, Ron Shevlin, and others. With the long-awaited football season finally here, we decided to have some fun by breaking down the components of a digital banking platform into positions to bring you the ultimate Fintech Football Team.

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Topics: data, digital banking, fintech

Infographic: Data Driven Relationships

Posted by Michael Carter on Thu, Sep 1, 2016 @ 08:09 AM

4 Reasons to Get Engaged in Data Driven Digital Relationships with Your Customers 

Few organization hold more data about their customers than financial institutions.  Banks and credit unions know where their customers and members live, how much money they make, what their net worth is, who they do business with and what their financial needs are.  However, most bankers will admit that this data is under utilized when it comes to building a trusted, value-added relationship with consumers.  

This infographic presents data on how consumers interact with their financial institutions and what they want and expect when it comes to these interactions.  It is imperative that banks and credit unions begin to develop a strategy for accessing and converting the data they hold about their customers and members to actionable information that can be used to personalize products and services.  

To build a successful strategy for leveraging customer data in their digital channels, financial institutions will need to replace the disparate, legacy systems they currently use to deliver their digital services.  This need is currently driving a number of early replacement projects at banks such as Arvest and First Tennessee.  These replacement efforts are the largest of their kind in the industry in more than a decade and they are being completed by emerging technology providers that offer modern tech stacks that are highly configurable, scalable, secure and proven.   

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Topics: data, digital banking, personalized experience, Millennials, infographic

The Insanity Defense in Digital Banking

Posted by Michael Carter on Fri, Aug 26, 2016 @ 11:08 AM

Editors Note: In the 2nd blog of our series, we discuss the remaining three pitfalls that financial institutions encounter, as identified by Klaus Enzenhaufer. In the 1st Blog we discussed quality and speed. In today's blog we discuss User Experience, Control, and Running in Place.

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Topics: data, digital banking