270° View

New Years Resolutions

Posted by Eric Brandt on Fri, Jan 6, 2017 @ 10:01 AM


Editor's Note: New Year. New Resolutions. As 2017 get's off to a start, many people are putting together plans to succeed in the resolutions they have set forth. As we all know, without a strong support sytem, many of these resolutions can be seemingly impossible to reach. For those that have set resolutions involving finances, often the most difficult to keep, the role financial institutions play for these individuals is going to be the key to the success or failure of these goals. 

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Topics: data, customer experience, categorization

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

The Dawn of the Age of the Platform

Posted by Michael Carter on Fri, Jul 29, 2016 @ 07:07 AM


Editors Note: The days of disparate digital banking solutions are over. As technology continues to evolve, and users interact with their banks via multiple-touchpoints, it's crucial that financial institutions have a consistent user experience across these various touchpoints. In this blog, we discuss platforms, and how creating/using a platform solution can create the consistent experience that users demand.

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Topics: data, digital banking, platformification

Brexit, English Soccer and Humility

Posted by Michael Carter on Thu, Jun 30, 2016 @ 16:06 PM

Editors Note: In the upcoming 270° View blog series, we discuss the "wow" factor of digital banking. As digital savvy users continue to demand a personalized experience, with the right pieces in place, financial institutions can use big data to provide the 'wow' that their consumers demand. Today we discuss this, Brexit, England Soccer, humility and more!

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Topics: data, banks, digital banking

Postcard From The Digital Banking Summit

Posted by Michael Carter on Wed, Jun 22, 2016 @ 11:06 AM

Small Data and the Digital Lag in the US

This year's Digital Banking Summit (DBS) was held in New Orleans. Anyone who visits New Orleans regularly knows that one NEVER comes to the city after April or before October. During DBS temperatures hit 90+ degrees with roughly the same number for the relative humidity giving us a heat index of 105. The fact that SourceOne held this conference in these conditions might actually be a cagey strategy to insure attendance because no one in their right mind would actually go outside.

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Topics: data, big banks, Digital Banking Summit, Jim Marous

Banking's Midterm Report Card from Professor Marous

Posted by Michael Carter on Wed, Jun 15, 2016 @ 12:06 PM


Editors Note: Back in December, Jim Marous published his thoughts on 2016 Retail Banking Trends and Traditions. Today, we discuss this and his midyear assessment on where the industry is at as a whole. At the Digital Banking Summit in New Orleans next week, Jim and Michal Panowicz will discuss a few of these trends in greater detail.

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Topics: data, Jim Marous

How Financial Institutions Can Provide Amazon-Like Digital Banking Experience

Posted by Michael Carter on Wed, May 25, 2016 @ 11:05 AM

Editors Note:  The following is the second installment of a two part series on data driven digital banking. Referencing various reports, this blog discusses how banks can begin unlocking the copious amounts of data available to them to provide an Amazon-like experience for their users. D3 Banking licensed the referenced reports for general distribution.

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Topics: data, digital banking, Amazon-like

Monetizing Digital Banking Channels

Posted by Michael Carter on Thu, May 19, 2016 @ 09:05 AM


 Editor's Note: The following is the first installment in a two part series on data driven digital banking. Referencing several different analyst reports, this blog discusses how financial institutions can begin to monetize the plethora of consumer data available to them via their digital banking channels. D3 Banking licensed the reference reports for general distribution.

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Topics: data, digital banking, customized banking, digital money managemnt