270° View

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

Digital Is The Branch But Many FIs Lack The Personal Touch

Posted by Michael Carter on Tue, Jun 30, 2015 @ 08:06 AM

No one disputes that branch traffic is down and digital use is up at financial institutions. However, there is much debate over the conclusion that such a trend means that branchless banking is just around the corner.  To some, the argument for keeping branches open seems to be backward facing, to a time long gone when most consumers had to make a personal visit to their financial institution to make deposits, open accounts and send money.  Why hang onto branches when all those services and more can be completed on digital devices? To others, the inability of banks and credit unions to personalize the end user’s digital experience makes them hesitant to close the branches where they still do the bulk of their selling.

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Topics: banks, payments, financial services, digital banking, innovation, personalized experience, devices, Millennials, core renewal, channels

A Chinese Menu Of Digital Options – Strategies For A Digital Future

Posted by Michael Carter on Fri, Feb 27, 2015 @ 09:02 AM

In the last 270° View installment, we discussed how remarkably things have changed since the Stanford Federal Credit Union became the first financial institution to offer online banking.  As noted in that blog posting, these changes have not necessarily been for the better in all cases.

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Topics: data, omnichannel, digital banking, innovation, personalized experience, devices, core renewal

Digital Banking, Core Renewal And Thinking From The Inside Out

Posted by Michael Carter on Wed, Jan 28, 2015 @ 18:01 PM

More than a couple of really smart folks in the industry have suggested that for financial institutions to be able to respond to the digital revolution raging around them, they first must address the deficiencies in their core banking systems. 

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Topics: financial services, digital banking, innovation, devices, core renewal, channels

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