December, 2013

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The Dangers of Regulatory Overreach and Those Who Exploit It

Finer Points

'In case you missed it, American Banker this week launched a series that sheds some light on the unintended consequences that can result from the aggressive application of regulations. The series explores National Fair Housing Alliance allegations that several large banks have failed to adequately maintain foreclosed properties in predominately minority neighborhoods, which they say […].

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Bankers: What Is Your High Definition Destination?

Jeff For Banks

'Future Picture: "A high-definition picture that shows in great detail the future as you want it to be." Future Picture and its definition are from James D. Murphy''s ("Murph") 2006 tome, Flawless Execution. I liked it so much, I e-mailed Murph at his consulting firm, Afterburner , for permission to quote from it. Murph and his colleague, Will Duke, called me back.

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Marking and Measuring Time and Technology With Walter Mossberg

Javelin Strategy & Research

Walter Mossberg concluded his 22-year career with the Wall Street Journal today with farewell column that commemorates a career that enabled him to review personal technology products that spanned the launch of the Internet, online search, smartphones, and tablets.

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Is a 'democratic' crowd based cryptocurrency just as fair as the traditional ones?

Money and Payments

'Having gone through my daily portion of Bitcoin-reads (and being somewhat sceptic), it struck me that one of the compelling arguments of collective currencies: ''money to the people'' is highly flawed. It is the strong resentment against governments and financial institutions that makes many people believe that it would be good to take the power of money-creation out of governments'' hands.

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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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Five Ideas on How to Consolidate a Bank Branch

Jeff For Banks

'Fellow blogger Jim Marous asked me what I thought were hot stove issues for banking in 2014. Top of my list, branch consolidation. During the second quarter 2013, bank branches generated a relatively low 2.04% total revenue as a percent of average deposits. Average deposits per branch were approximately $53 million. This is according to my firm''s profitability measurement peer group.

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Putting the Pieces in Place: LifeLock and Lemon Wallet

Javelin Strategy & Research

At first glance, LifeLock’s $42.6 million acquisition of Lemon may not seem to fit quite right. To some it may appear that LifeLock is buying access to Lemon Wallet’s user base, but an app with 3.6 million downloads does not justify that kind of investment on its own. As for LifeLock getting into the mobile payments game, the last thing the market needs is another also-ran.

Mobile 40
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Former Fraud Investigator Outlines Consumer ID Protection Must Haves for 2014 Success

Javelin Strategy & Research

As consumers, we are plagued by the inability to choose how our personal information is used by the vendors we need on a day-to-day basis - retailers, healthcare organizations, payment providers, technology companies, etc. All of these groups have experienced major data breaches in the last year, leaving hundreds of thousands, if not millions, of consumers to be victimized at the hands of fraudsters.

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Can NCR Unlock Digital Insight’s Potential?

Javelin Strategy & Research

Here are some quick observations about NCR’s acquisition of Digital Insight , the implications for the industry and rivals, and why I remain hopeful -- but skeptical -- that NCR can unlock the value of its new $1.65 billion bauble. It’s hugely important to NCR from a strategic standpoint. NCR positions this a “profoundly” transformative. The company increasingly is shifting its focus from hardware to software.

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Is a 'democratic' crowd based cryptocurrency just as fair as the traditional ones?

Money and Payments

Having gone through my daily portion of Bitcoin-reads (and being somewhat sceptic), it struck me that one of the compelling arguments of collective currencies: 'money to the people' is highly flawed. It is the strong resentment against governments and financial institutions that makes many people believe that it would be good to take the power of money-creation out of governments' hands.

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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