D3 Banking Technology's Top 7 Digital Banking Trends for 2019

With the new year upon us, many are thinking about what the next year might hold for the financial services industry. We wanted to share our predictions on how digital, AI, and personalization will transform the... Read More

Infographic: Data Driven Relationships

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... Read More

The Legacy Challenge - Is It a Case of Mind over Matter?

   Editors Note: In part 2 of the blog series, we discuss quantum physics, predictive algorithms, and legacy systems. Retailers have been offering personalized experiences to their consumers for quite some time. Banks... Read More

Defining A Digital Financial Institution - Show Me The Money

Editor’s Note: The following is the  third and final installment in a series of blogs excerpted from a report published by Celent entitled  Defining A Digital Financial Institution  by Daniel Latimore and Zilvinas... Read More

What Digital Means In Banking: Brand Experience

Editor’s Note: The following is part one in a series of blogs excerpted from a report published by Celent entitled Defining A Digital Financial Institution by Daniel Latimore and Zilvinas Bareisis . D3 Banking has... Read More

Effective Digital Customer Onboarding

Today, customers have a number of options of when and how they communicate their banking needs. However, one thing is certain - they want to do business with financial institutions that make their experience easy,... Read More

Digital Is The Branch But Many FIs Lack The Personal Touch

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. ... Read More

Optimizing Digital Banking Content And Services

The influence of digital access points on the decision by consumers to switch financial institutions continues to grow in importance.  It makes a “business as usual” approach the most significant risk an institution can... Read More

What Can Financial Institutions Learn From Retailers?

An IBM report analyzing 2014 holiday spending shows the distinction and complementary nature of digital devices. Smartphones drove 31 percent of total online traffic, nearly two and a half times that of tablets. While... Read More

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

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,... Read More