Unbundling, Fidor, and the Model for Approaching Financial Startups

Celent Banking

I´ve recently had multiple conversations with financial institutions about the trend of unbundling financial services by fintech startups. In fact, it’s hard to discuss the future of the industry without touching on it.

Bank Brands We Admire, How Much To Spend and 5 Steps To Get There

Banker to Banker

It has been said that community banks are not doing enough to differentiate themselves and are not properly segmenting their markets.

On Main Street

Independent Banker

A Second Cyberdefense. By Noah W. Wilcox, Grand Rapids State Bank. Information is the new coin of the realm, and financial information is the most widely prized.

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Banks: An Eponym of Epic Proportions

Finer Points

When most people want a tissue, they say they need a Kleenex. When you cut your finger, you don’t say you need an adhesive bandage—you need a Band-Aid! When you need to make a photocopy, regardless of the brand of the machine, you make a Xerox copy. Many marketers would consider this a compliment, especially […]. Community Banks Washington

Optimizing valuation engagements to aid business development


Bringing in new clients is a top priority for forensic and valuation accountants, with 87 percent calling the task somewhat or extremely important, according to a recent AICPA study. The emphasis on business development is understandable.

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Banking Redefined: Disruption, Transformation And The Next-Generation Bank

Insights on Business

The IBM Institute of Business Value just released a new executive report that discusses the disruptive forces that are affecting the financial industry and strategies for transforming into a next-generation bank.

Welcome to the Internet of Me: Banking, personalized at scale


In the Accenture Technology Vision 2015 for Banking, we explore five digital trends that reinforce our strategy for banks to become Everyday Banks. The first trend we explore is the Internet of Me. We know that personalized experiences are a. Read more.

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More Trending

Financial Transparency is Inevitable – Your Bank Needs to Go First


Four months ago the Consumer Financial Protection Bureau released a new interactive tool to help consumers understand the mortgage rate disparity in any given market.

In Celebration of International Credit Union Day

CU Direct

This week, credit unions world-wide will be celebrating International Credit Union Day. This annual event, since its inception in 1948, celebrates the active role credit unions play in improving the financial well-being of individuals in communities across the globe.

Why the branch banking controversy will continue

Celent Banking

The branch is dead, long live the branch! Controversy around the wisdom (or not) of investing in the branch channel amidst rapidly growing digital banking adoption is showing no signs of letting up.

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More comments on the “branch is dead” debate

Celent Banking

*As mentioned in an earlier blog, the persistence of the “branch is dead” debate seems to be to betray the deeply invested interests on each side of the debate. In many financial institutions, digital and physical channels still have separate reporting structures (Figure 1).

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What We Learned At The ABA Marketing Conference

Banker to Banker

Fresh off the 2015 ABA Marketing and Retail conference in Denver, we have a very long Evernote page of ideas, inspirations, thoughts and tactics.

15 Minutes With—Les Leskovin

Independent Banker

Photo by Aggie Brooks. Les Leskoven. Senior Vice President and Senior Trust Officer. for the $521 Million-Asset. Community National Bank & Trust of Texas. in Corsicana, Texas. IB: Tell me about Corsicana. Where’s it located? Leskoven: We’re about 45 miles southeast of Dallas.

Community Bankers to Washington: Let’s Work Together To Get the Job Done

Finer Points

Last week’s ICBA Washington Policy Summit showed once again that community bankers are not only willing to go the extra mile—they’re even grateful for the privilege. With nearly 1,000 community bankers and industry advocates in the nation’s capital to advocate positive reform in more than 300 meetings with policymakers, there was a feeling of enthusiasm […]. Advocacy Community Banks Credit Unions Farm Credit System Regulatory Relief Washington Washington Policy Summit

How to get referrals and grow your firm


By Natasha Closs, Director of ProfitCents Consulting & Advisory Services. An ongoing challenge for accountants and other financial services professionals is attracting new clients.

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Waiting For The Tide To Turn ? Banks Can Do More

Insights on Business

Steamer Lane, which is named after the steam powered boats that motored past it in the 1930’s, serves as the epicenter of Santa Cruz surfing with its cool blue water from the Pacific. Standing at the beachfront of Steamer Lane, Karthik, an adroit surfer gazes the ocean for signs of high tide.

Find the speed you need: How the agile bank fast tracks market responsiveness


Speed is critical for retail banks that want to master digital disruption. In the digital banking era, change happens nearly instantaneously. New competitors enter the market quickly. Industry boundaries are redrawn in a flash. Tomorrow’s technologies emerge even before banks. Read more.

Knowing What Makes Entrepreneurs Tick Will Boost Your Sales Results

MZ Bierly Consulting, Inc.

Guest Blog Post by Bobby Martin. As a calling officer, you’ve already noticed that many of your business customers are a little offbeat, maybe even a little crazy.

Analytical and Personable

Independent Banker

Jamey Smith Citizens Bank in Kilgore, Texas. Jamey Smith forges complete partnerships for successful commercial lending. By Judith Sears.

Mobile, onboarding among dominant themes at FinovateFall 2015

Celent Banking

When I’m feeling a bit flip, I tell clients that Celent goes to a lot of conferences so that they don’t have to. Don’t get me wrong: conferences are worthwhile, and you have a lot of serendipitous conversations.

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Why Banks Should Pay Attention to “Assistant as an App”

Celent Banking

Last week I had the pleasure of going to Finovate, a biannual event (at least in NA) where start-ups and established vendors show off their newest creations. My colleague Dan Latimore wrote an in-depth piece about it last week.

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The New Rules of Engagement

Independent Banker

Winning connections with Gen Y customers come with a few unspoken protocols of marketing and communication etiquette. By Kathryn Jackson Fallon. Four Rules of Engagement. Seek permission. Texting millennials enters their private zone.

Using the Emotion of Banking to Attract Customers

Banker to Banker

Later this month, Secretary of State John Kerry will attempt to bring peace to one of the world’s most dangerous troubled spots – a Washington D.C. Best Buy. There, mobs of discount-fueled shoppers will be viciously climbing over each other attempting to save $25 on the latest Xbox One.

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Customer Experience in Financial Services

Celent Banking

Service Design. Journey Maps. Customer Stories. Mood Boards. Experience Recovery. These are a handful of the topics discussed at this week’s Customer Experience for Financial Services (CXFS) Conference, organized by Worldwide Business Research in Charlotte, NC.

Regulatory Burden Is Capturing Big Headlines

Finer Points

While ICBA continues our full-court press toward advancing community bank regulatory relief all the way through Congress and to the president’s desk, we are also making noticeable headway in raising public awareness of the problem via the national news media. The Washington Times recently ran a special section featuring a series of articles, editorials and […]. Advocacy Community Banks Economy Regulation Regulatory Relief

Effective and efficient business valuation report writing


Business valuation services are among the highest-growing niche services among Top 100 accounting firms, according to Accounting Today. One aspect of providing this service, however, is notoriously time-consuming and frustrating: Writing business valuation reports.

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Making Blockchain Real For Business – What Does This Mean? And What Is Next?

Insights on Business

This past Thursday The Linux Foundation, IBM and several major Banks and Tech firms made an exciting Blockchain announcement. The Open Ledger Project , as it is known, will be looked back on as a pivotal moment in time.

Good governance is key to building a model risk management framework


In today’s heavily regulated financial climate, banks and financial institutions are relying more heavily on models—to help measure and manage their exposure to risk, and to help manage the overall business. These models are used in every aspect of risk. Read more.

11 Unbelievably Concise Sales Insights

MZ Bierly Consulting, Inc.

Looking for quick tips on how to jumpstart your business development efforts? Here are 11 coaching tips in 3 word soundbites* that might help you land more business: 1. Stop cold calling. Develop your brand. Forget about RFPs. Control the controllable. Qualify prospects quickly. Get their vision.

Banks Need To Stop With The “Digital Strategy”

Banker to Banker

Indra Nooyi, Pepsi’s CEO, wanted to put more emphasis on design. She gave each executive a photo album and a mission to go capture designs that “inspire.” It was a simple assignment, but only a few managers completed the task and of those that did, half of those had their spouse do it for them.

Why Community Banks Need To Stay In The Payment Game

Banker to Banker

Yesterday was the first anniversary of Apple Pay while the past 60 days saw the release of Android Pay and Samsung Pay. The strategic question comes up – which do you do if any? Before you answer that question ask yourself this one – how long do you want to be in business?

Should You Have Wifi In Your Branches?

Banker to Banker

The question came up the other day in our branch if we should equip it with customer wifi. What we thought was an easy question to answer, seemed to have some debate starting with the cost and how often customers that walk into a branch will stop and use wifi.


Complete Listing of ICBA’s Top Loan Producers

Independent Banker


Why Digital Appointment Booking will be Commonplace in Three Years

Celent Banking

A friend of mine is a successful small business owner in his forties. Like so many in his demographic, Bryan developed a longing to own a Harley Davidson. He could easily afford a Harley, but chose to seek financing instead. Getting this business should have been a walk in the park for his bank.

Countering The Aging Community Bank Customer Base

Banker to Banker

There was a time when the average community bank customer was the same age as the adult general population. Over time, due to the urbanization of America, immigration and lack of targeted marketing, this has changed.

Guest Blog: Giving Credit Where It’s Due—with Community Bankers

Finer Points

By Terry J. Jorde Congratulations, community bankers! This week we saw once again that our industry’s hard work and determination on behalf of regulatory relief can achieve tangible results in Washington. Following passionate advocacy from ICBA and community bankers, regulators issued a proposed rule to simplify community bank call reports and laid out their plan […]. Advocacy Community Banks Grassroots Regulation Regulatory Relief Washington

Community banks most likely to approve small business loans


According to a recent survey from four Federal Reserve Banks, small regional and community banks have the highest approval rate for small business loans.