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Optimizing Digital Banking Content And Services

Posted by Michael Carter on Thu, May 28, 2015 @ 07:05 AM

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 take in responding to the digital needs of customers.  According to the Accenture 2014 North American Consumer Digital Banking survey, more than one in four customers would likely consider a branchless digital bank.  In addition, nearly three-quarters of US customers—two-thirds in Canada—consider their banking relationship “merely transactional.”  

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Topics: financial services, digital banking, personalized experience, devices, PFM, Millennials, channels

The Abstraction Of Cash And The Future Of PFM

Posted by Michael Carter on Mon, Mar 10, 2014 @ 10:03 AM

Increasingly, clever retailers using available and emerging technology are making it more and more painless for us to spend our money.  Amazon, Apple, and others promote sleek online and mobile shopping experiences that allow us to make purchases without fumbling around for a card, account number or anything else.  This new level of “convenience” creates yet another layer of abstraction from the real measure of our financial position: i.e., our cash.

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Topics: omnichannel, digital banking, devices, PFM

Playing The Pivot

Posted by Michael Carter on Fri, Jun 7, 2013 @ 09:06 AM

Though it is the NBA playoff season, this post is not an analysis of how the biggest men in the professional basketball world ply their trade.  Instead, we want to focus on a recent Bank Innovation blog by JJ Hornblass entitled Why Bank Innovation Start Ups Need To ‘Pivot’

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Topics: financial services, digital banking, Playing the pivot, user experience, personalized experience, PFM

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