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How Apple’s Dual SIM Support Initiative Relates to Small Business Banking

Posted by Eric Brandt on Wed, Oct 3, 2018 @ 14:10 PM

Editor's note: Like Apple’s dual SIM support, FIs must provide a seamless experience between personal and business banking platforms.

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Topics: user experience, small business

What Digital Means In Banking: Operating Model

Posted by Michael Carter on Thu, Nov 12, 2015 @ 14:11 PM

Editor’s Note: The following is third 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 licensed the content used for general distribution. For the full report contact Celent. The previous installment in this series dealt with the the need for financial institutions to provide customers with a personalized, consistent user experience across all digital channels.

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Topics: data, banks, digital banking, user experience, innovation, channels

What Digital Means In Banking: Data Analytics and Automation

Posted by Michael Carter on Wed, Sep 30, 2015 @ 09:09 AM

Editor’s Note: The following is second 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 licensed the content used for general distribution. For the full report contact Celent.  The previous installment in this series dealt with the the need for financial institutions to provide customers with a personalized, consistent user experience across all digital channels.

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Topics: data, banks, digital banking, user experience, innovation, channels

What Digital Means In Banking: Brand Experience

Posted by Michael Carter on Tue, Sep 1, 2015 @ 15:09 PM

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 licensed the content used for general distribution. For the full report contact Celent.

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Topics: data, banks, financial services, digital banking, user experience, personalized experience, devices, channels

A Digital Banking Strategy For Next Decade

Posted by Mark Vipond on Tue, Jul 28, 2015 @ 09:07 AM

With digital banking adoption continuing to grow, branch traffic dropping and digital devices proliferating, the current approach is unsustainable for most institutions. That is why the results from the 2015 KPMG Banking Outlook Survey held few surprises. The study indicates that 46 percent of the banks that participated will increase their technology spending the coming year. In addition, nearly 40 percent of the bank executives said they plan to make “significant” investments in IT related to online and mobile banking over the next one to three years.

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Topics: data, banks, digital banking, user experience, innovation

Why The Current Approach To Digital Banking Is Unsustainable

Posted by Mark Vipond on Tue, Jul 21, 2015 @ 10:07 AM

The promise of lower fixed costs and better efficiency ratios that heralded the introduction of online banking was based on the belief that the Internet could be used to create a self-service environment that would reduce the staffing and technology requirements. In fact, adoption of online banking took longer than expected, and consumers did not abandon the other channels they used to access the services and products offered by their financial institutions.

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Topics: Apple, digital banking, money movement, user experience, devices, Amazon-like

What Can Financial Institutions Learn From Retailers?

Posted by Michael Carter on Mon, May 11, 2015 @ 19:05 PM

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 smartphones drove the traffic, more purchases were completed on tablets. Tablet accounted for 13 percent of online sales, whereas smartphones only accounted for 9 percent of total online sales.

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Topics: financial services, digital banking, user experience, innovation, personalized experience, channels

Digital Banking Requires A Different Way Of Doing Business

Posted by Mark Vipond on Tue, Apr 7, 2015 @ 07:04 AM

To remain competitive, financial institutions must have an ever-evolving strategic plan that delivers greater customer value across an increasing number of channels.

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Topics: data, advsior, digital banking, user experience

How FIs Can Provide Amazon-Like Digital Banking Experience

Posted by Mark Vipond on Thu, Sep 25, 2014 @ 16:09 PM

Amazon was one of the pioneers in leveraging data associated with consumer purchases online to order to market and cross sell additional products and services. One could argue that financial institutions have even more data about their customers than Amazon has about their shoppers.  This data can help banks and credit unions to win wallet share, increase loyalty and gain access to new generations in need of financial services.

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Topics: data, digital banking, user experience, personalized experience, channels

Quality, Speed, UX, Control And The Perils Of Running In Place

Posted by Michael Carter on Mon, Aug 11, 2014 @ 08:08 AM

According to Klaus Enzenhaufer of Compuware, there are five major pitfalls that financial institutions encounter as they extend their digital channels:  quality, speed, user experience, control and running in place. 

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Topics: digital banking, user experience, innovation, devices, channels

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