Chad Whittenberg
Mar 7, 2022

Accessing data provided directly by employers can increase the level of certainty throughout the decisioning process and reduce risk of future defaults.

Not too long ago in financial services professionals built relationships — and created a positive experience — by meeting the customer in person for coffee or lunch.

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You use electronic signatures these days just about everywhere: when you scrawl with your fingernail on a coffee shop tablet, click to accept an online contract, even when you type your PIN at the ATM.

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In highly regulated industries such as banking, hesitancy towards moving to a cloud environment stems from concerns about service providers’ ability to meet stringent business and compliance requirements.

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A customer passes a local branch—even with their smartphone off—and the bank’s staff can tell if their mortgage soon needs renewing, or whether they might like a new credit card or appreciate a line of credit.

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The salad days of seemingly unlimited venture capital and explosive growth in FinTech are over.

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By networking devices such as appliances, vehicles and mobile watches, the Internet of Things holds the promise of a banking revolution—one that ups the ante on convenience, connectedness and customer satisfaction.

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At October’s BAI Beacon, I had the opportunity to present my analysis of the coming changes to depository accounts and how the competitive market for financial services is driving institutions to create strategies organized as platforms.

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Recent headlines about the practices of some online platforms in financial technology (FinTech) have caused some banks to question whether the partnership benefits are worth the risk.

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There’s never been a better time to be a financial services customer – in theory, at least.

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For all of FinTech’s promise for healthy disruption, Trent Fleming also sees the very real potential for unhealthy distraction.

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Digital channels have without a doubt re-shaped the banking world—and they’re not only rapidly developing but often intertwining as well.

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There’s no doubt:  Technology innovation—and Application Programming Interfaces (APIs) in particular—are transforming how we connect, bank and pay.

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Josh Linkner is used to skepticism when he talks about the role creativity plays in transforming business from every angle, from profitability to corporate culture.

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Where other evangelists of corporate change listen to the likes of statisticians and pundits, Josh Linkner hears music—literally.

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Pinnacle Financial Partners illustrates how banks are using remote deposit capture, which enables customers to take photos of checks on their smart phones.

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With anytime/anywhere/any device access moving deeper into the banking stack, commercial escrow is also beginning to transform.

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Born between 1980 and 2000, Millennials, at 83 million strong, are now the largest generation in American history.

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