September, 2013

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Loan Pricing: Must It Be So Complicated?

Jeff For Banks

'When it comes to pricing loans, my experience tells me we use competitor pricing as our de facto pricing model. For consumer and residential loans, where rates and fees appear on the competitors'' websites, it''s not so difficult. But for commercial loans, I suspect we follow anecdotes such as what customers tell us or what friendly competitors murmur to us at a cocktail party.

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A PayPal Reality Check - Disintermediator or "just" a Disruptor?

Javelin Strategy & Research

If you have been following PayPal over the past year or so, yesterday's acquisition of Braintree will not have come as a great surprise. PayPal is clearly on a roll - a cursory look at their activity in recent months includes the following.

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Bar Rescue: Bankers Edition

Jeff For Banks

'My buddy Dave Gerbino and I are speaking about product profitability at the ABA Marketing Conference in San Antonio next week (Monday, September 23rd, 11am if you''re in town). While developing our presentation, Dave drops Bar Rescue on me. Never heard of it, I said. Apparently, it''s a Spike TV reality show where a bar expert (great job!), Jon Taffer, helps owners turn their flailing establishments around (see video clip).

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You Can't Buy a Customer's Love?

Jeff For Banks

'I recently attended the ABA Marketing Conference in San Antonio where a speaker from USAA said something similar to this post''s title. Really? How do I explain the branding study by a client that identified Ally Bank as the most recognizable brand in their market? As most readers know, Ally is the former bank-finance arm of General Motors (GMAC). They required a substantial capital infusion from Uncle Sam to keep them solvent during the financial crisis.

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Digital Transformation: Accelerating ROI and Growth in Commercial Lending

Now is the time for lenders to prioritize their digital transformation initiatives in preparation for the lending rebound. Rising competition and ever-increasing customer demands for speed and efficiency are forcing financial institutions to embrace digital transformation. This shift can feel overwhelming—where do you begin? This infographic illustrates automation demands and shows you how loan document automation serves as an essential step to increase profits and provide the best lending exper

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eBay/Braintree Acquisition Analysis

Javelin Strategy & Research

EBay’s announcement today that it is acquiring Braintree , the next-generation global payment platform, for $800 million in cash is one more indication that the ship is beginning to turn at PayPal under its president David Marcus. In the race to mobile dominance, Marcus has freely acknowledged that PayPal needed to change, to become less bloated and inward facing and more open to developers.

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Ironic, Sad, and Preventable Credit Card Fraud

Javelin Strategy & Research

About a week ago, a fraudulent order was placed for a copy of Javelin’s most recent report on Identity Fraud. The online order was attempted, but the product was never delivered. Certain red flags alerted our team that this transaction was a wee bit suspicious, including an address that didn't seem quite right. “Is Maryland in the U.K.? Hey, someone ask Nick Holland!

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FinovateFall 2013. Drinking from the Proverbial Firehose.

Javelin Strategy & Research

The world of Fintech conferences is somewhat bloated with mediocre events that lack originality and content, but Finovate still stands out as something of a must see due to its unique format. For those of you not familiar, there are rules for Finovate – strict ones.

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Updated PayPal App Lets You Order Ahead, But Still Steers to Checking

Javelin Strategy & Research

PayPal, the consumers’ online alternative choice, today further staked its territory as expanding into the physical world with a major update to its free iOS and Android apps. There’s a battle going on as firms fight for supremacy of the mobile wallet and one of the biggest heavyweight contenders is PayPal.

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Never Count Microsoft Out - Microsoft-Nokia Acquisition Analysis

Javelin Strategy & Research

Microsoft’s canny purchase of Nokia for the low price of $7.2 billion reopens up the rumors that Stephen Elop’s move to Nokia was a Trojan horse, intended to open the doors to the announcement today. Nokia’s share of the handset market under Elop shriveled while its stock price dropped over 60%, allowing Microsoft to swoop in for the killer deal.

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The State of Automation in Financial Services 2024 Report

In this report, you’ll find a comprehensive analysis of survey responses from executives at banks, credit unions, and insurance companies concerning their organization’s current and future use of automation. The report’s key insights include: Which types of automation are saving organizations the most time and money How to overcome the biggest barriers to automation implementation and adoption Why automation investments will continue to grow over the next few years How much you could save in 202