How to break free from legacy infrastructure

Insights on Business

Three years ago, a group of IBM Cloud experts, myself included, answered an important question still facing nearly every incumbent bank worldwide today: How can we rethink our architecture to better serve our customers with more innovative applications, through more agile, faster development?

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How To ‘Moneyball’ Restaurants

PYMNTS

National treasure Kim Kardashian has taught us all a series of invaluable lessons over the years: how to break the internet, that there is no such thing as too much eyeliner and that, if you are on the phone with Taylor Swift, the smart money is on hitting the record button. The problem is that getting to that elite status is not all that easy. There was no way I was getting in because they didn’t know me and because I am only able to get out once every three months.

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How to use ElasticSearch for Natural Language Processing and Text Mining — Part 2

Dataconomy

Welcome to Part 2 of How to use Elasticsearch for Natural Language Processing and Text Mining. It’s been some time since Part 1, so you might want to brush up on the basics before getting started.

How to Woo a Bank

Celent Banking

When it comes time to choose a business partner, banks will favor those who help them execute their third party risk management (TPRM) responsibilities over those who begrudgingly comply. Banker’s Guide to Third Party Risk Management, Part 1: Strategic, Complex, and Liable.

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How to Motivate Lenders

Banker to Banker

It can be difficult for a community bank to attract the lending talent it needs, but we point out that many community banks are succeeding by investing in their culture and building an environment that goes beyond traditional compensation.

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How to differentiate your mobile payments strategy

Mobile Payments Today

Keith McAuliffe, the general manager of the financial services sector for Solace, believes it's necessary for providers to to cultivate the right experience for individual audiences

How To Celebrate Emoji Day

PYMNTS

For those looking for something to celebrate this weekend, the world hasn’t really come through. Something rather ominously called a “ heat dome ” is setting up to effect over 75 percent of the U.S. Have the ability to send a text message with an emoji?

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How To Solve Consumers’ Real Commerce Troubles

PYMNTS

“It is not about changing the swipe or dip to a tap; it’s about using a [smart]phone to do things that you could not otherwise do.”. Who hasn’t suffered through the pain and agony of finding a parking space at the mall during the holidays only to discover that the item you wanted to buy was out of stock? To name but two. Among the problems consumers face in-store, no one seemed to complain about how they paid for the things they bought when there.

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Sales Territory Management: The importance of automation & how to choose the right solution

Insights on Business

Territory management (TM) is one of the hardest – and most important – sales activities to get right. Gone are the simplistic days of sales reps simply “having a patch” to cover for selling their goods and services. Are there other ways to optimize your sales operations?

How to make your startup a success

Chris Skinner

Let’s say that it’s to make nice wooden caricatures of famous politicians. It still is, but when you go to a craft fare, the usual practice is cash only. What to do? So now you’ve moved your production to China. You have an idea.

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Are You Smarter Than The Average American?

PYMNTS

Americans have come up with some great ideas: The iPhone, the internet, the assembly line, the telephone and telegraph, automobile, Coca-Cola, credit cards, debit cards, the Marshall Plan, the turducken, eCommerce and the Declaration of Independence were all above average American ideas, to say the least. Shakespeare famously said, “A fool thinks himself to be wise, but a wise man knows himself to be a fool.” Trying to think up the innovation for which the world is waiting?

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How to Choose an Outsourcing Provider for Your Business

PYMNTS

If you’re thinking about using outsourcing as a way to scale your business, one of the first things you may be considering is how to choose a provider. The best way to find out the true experience of their clients is from the past clients themselves.

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Nice Diy Carport Design

BYM Agency

It is always a good idea to place diy carport near an entrance, versus so far from a front door. By designing carport to look good with your house, you can include it in place not far from the front door. Trim back size to fit your budget.

Popular Design Brown Paint Colors

BYM Agency

In the current decoration, they have become one of the essentials whenever we seek to create environments full of warmth. Decorations Brown Paint Colors For Bedrooms Brown Paint How To Make How To Make Light Brown Popular Brown Paint Colors Shades Of Brown Paint Chart

What Tech Will Make Irrelevant For The Class of 2035

PYMNTS

Over the last 117 or so years, horseless carriages — also known as cars — were invented and roads were built to accommodate them, meaning horses were no longer needed for transportation. With the decline in horse use, knowing how to ride a horse became less of a required skill — something which might have seemed unthinkable back in 1900. That got us to thinking. What normal parts of our lives today will seem rather alien to our own children and grandchildren?

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Staying on brand: How to humanize virtual agents, just enough

Insights on Business

The use of VA’s is expected to grow by 1000% by the year 2020. Virtual agents use natural-language processing and analytics together to create an engaging human-like interaction with the end-user for simple or complex tasks and conversations.

How To Growth Hack Banking

Banker to Banker

What makes a good banker is the ability to think in linear fashion. What makes a bad marketer is the ability to think in linear fashion. For hundreds of years banks think about acquiring customers in methodical progression – one client at a time.

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Thawing the frozen middle (how to change the bank)

Chris Skinner

I sometimes think I’m too harsh on the financial community, with my continual banter about core systems change, lack of digital leadership, inability to see how critical digital is to their future and the impact FinTech is making on global financial structures. I sound like a broken record and rarely … The post Thawing the frozen middle (how to change the bank) appeared first on Chris Skinner's blog.

How To Optimize Deposit Pricing

Banker to Banker

Earlier this week ( HERE ), we laid the foundation and highlighted the finer skills needed to be an expert in deposit pricing.

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How to Get and Understand your Credit Score

Bankelele

It is often a requirement for job applicants in Kenya to obtain a “clearance certificates” from a credit reference bureau (CRB) as one of the half-dozen source documents to be considered in their vetting. Have you ever seen your credit report?

Anatomy Of An ATO: How To Spot A Fraudster

PYMNTS

It’s more difficult to catch, and the ensuing damages for both merchants and unsuspecting customers go beyond just stolen goods. Many people don’t realize, said Shem-Tov, that ATO is not just about the moment when a fraudster gains control of a consumer’s account and uses it to make a purchase. It’s about the series of events leading up to that as well as a long tail of consequences and mitigations following the incident. How does the user interact with the site?

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How to reduce your debt

CFPB

Paying down your debt is possible when you know what you owe and what you can do to repay it. Info for consumers Financial education Debt collection

Personetics Explores How To Make AI Banking Work For The Bank

PYMNTS

As financial institutions (FIs) invest in technology in an effort to position themselves more competitively against FinTech firms, the development of so-called chat bots and “robo advisors” has accelerated. Since releasing Personetics’ latest solution (its Self-Driving Finance platform, a solution for FIs to implement AI advisory services for their consumer and small business clients), Sosna said the reaction from SMBs has been strong.

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How to monetize your data in the right way

Dataconomy

The post How to monetize your data in the right way appeared first on Dataconomy.

How To Do Facebook Ads Right

PYMNTS

Advertisers know that social media is a cost-effective way to reach potential customers they never could have reached before, and ever since Facebook introduced new targeting options, it became even easier for brands and advertisers to get their products directly in the face of the consumer. While marketers are investing in the right channel, however, many have yet to truly unlock their ad revenue. according to Curalate.

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How To Join The Payables To Payment Revolution

PYMNTS

Accounts payable (AP) automation offers lofty promises to the enterprise: nix paper, save money, cut out inefficiencies and provide more time for executives to focus on strategic tasks. And yet, many corporates still struggle to take even the beginning steps of automation. The accounts payable space, he said, has the potential to cause a “dramatic” transformation of the enterprise at large, but the process goes beyond automating invoice processing and payments.

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How to develop proactive advisory services

Sageworks

Attend any conference, webinar or professional development course and you will most likely hear the buzz on the importance of becoming more relevant to your clients, adding advisory services and delivering more value. A system is a way to produce more while saving time, energy and money.

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How to Improve Digital Service User Retention?

Mobile Payments Today

Juniper Research estimates that mobile operators will generate $9 billion in revenue by 2022 from carrier billing. The main growth drivers for the volume increase are music and video streaming merchants

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How to Address Overpayment for Mobile Phones

FICO

An estimated 4 million consumers in the UK have been charged for mobile phones that they already own, at an additional cost of £490 million, according to recent research from Citizens Advice. The post How to Address Overpayment for Mobile Phones appeared first on FICO

How to Integrate With Apple Pay

Mobile Payments Today

Apple Pay is the mobile payment and digital wallet service from Apple that lets users make payments using an iPhone, Apple Watch, iPad or Mac. It was first launched in the US in October 2014, and has since rolled out in more than 20 countries worldwide

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Nanopay CEO On How To Bank Sub-Saharan Africa

PYMNTS

A digital fiat currency and government-issued mobile money platform could transform the Sub-Saharan African economy, according to nanopay CEO Laurence Cooke , who recently visited East Africa to explore opportunities in the region and has returned with some key insights. Today, Cooke said, people are shifting away from physical tender to mobile money providers. The system should provide this capability, not require users to MacGyver their way around available tools.

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How to Build a Business Network

MZ Bierly Consulting, Inc.

Are you looking for ways to expand your network? How are you going about it? This ebook was designed to help you identify and cultivate potential referral sources. There are also tips on what you can do to get the most out of networking events.

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How to excite your client with numbers

Sageworks

By Rich Greene, CEO - Director, Clarus Advisors Finance and accounting are languages, languages of numbers, they speak to you, and you can see financial challenges looming for your clients through those numbers. Use business metrics to get to the financial issues.

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How To Build A Mobile Payments Network

PYMNTS

Wanna know the secret to launching a mobile payments network? Don’t make its value proposition to either merchants or consumers about payments. As many payments players know all too well, or should by now, it takes more than just giving consumers the ability to tap or scan a mobile device at the point of sale to get and keep end users’ attention. Savings never go out of style,” Priebatsch explained, “but it wasn’t enough to really matter.”. [link].

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How to Properly Plan Your IT Strategy

Independent Banker

Planning an IT strategy for any organization is challenging, but financial institutions face additional complexities due to regulatory and security requirements. How can you balance your internal IT staff resources with the technical and business requirements of your financial institution?

How to Defend Existing Banking Relationships

Banker to Banker

Lenders typically are thrilled when they bring new customers to the bank. While part of most lenders’ responsibilities is business development, retaining and enhancing existing accounts is the most important and efficient way to boost your portfolio’s return on assets

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How to Deploy an Omnichannel Payment Strategy

SWBC's LenderHub

Being in the payment industry for well over two decades, now, more than ever, we are seeing consumer experience and the demand for self-service solutions causing significant growth in online and mobile payments.

How To Keep Your Customers Coming Back

PYMNTS

But what is it that makes a customer “loyal” to a brand? And how can retailers harness and exploit this trait? The folks at Internet Retailer took a look at brand loyalty, the importance of customer retention programs and why it’s cheaper to retain an existing customer than market to a new one by surveying hundreds of eCommerce companies and executives. Who doesn’t like it when a customer walks back through that door or buys another item from the website?

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How To Buy The $4M Aston Martin Submarine

PYMNTS

Google the phrase, and one will literally find thousands of results, including articles on how to buy for difficult men and eCommerce sites dedicated entirely to finding the right gift for a special guy. Amazon even has a “For the Man Who Has Everything” subsection of its marketplace and, though a quick tour led us to wonder if the man-who-has-everything really needs so many mugs affirming what a great dad he is, we were impressed by the whiskey chilling rocks.

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How to improve financial wellness

Hopewell Federal

September is self-improvement month, and many Ohioans feel they could stand to improve their financial wellness. In an Ohio Credit Union League 2018 consumer survey, respondents were asked to rate their financial wellness on a scale from one (lowest) to five (highest). percent, admitted to having financial weak spots. According to the U.S. adults on average rate their financial well-being as a 54 on a scale from zero to 100.

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How to prevent or close deal-breaking valuation gaps

Sageworks

In fact, this valuation gap is the top reason private-company transactions fail to close, according to the 2017 Private Capital Markets Report by Pepperdine University. For more than half of the deals that flopped in 2016 due to a gap in pricing, the difference was at least 20 percent.

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How to validate a stress test model

Sageworks

The prevalence of stress testing within banks and credit unions has risen considerably in recent periods thanks to increased regulatory attention and the benefit of greater insight into financial institutions’ portfolios.

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How To Pick a Digital Solution Partner for Your Brand

Mobile Payments Today

Understand the key criteria you should consider when choosing a partner to launch your restaurant digital engagement program