• KAREN EPPER HOFFMAN_resized
    Karen Epper Hoffman Sep 13, 2017

    For consumers, piqued interest on rising deposit rates

    Gone are the days when banks could count on depositors seeking shelter from the recession. With rising rates, how can banks rise to the occasion?

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  • The Limited Impact of Unlimited Deposit Insurance

    Dan Geller Nov 9, 2012

    The soon-to-expire unlimited deposit insurance coverage for noninterest-bearing transaction accounts had a marginal impact on balances over $250,000.

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  • Segment-based Deposit Pricing

    • Sherief Meleis
    • Rich Solomon
    Aug 24, 2012

    In a world of excess deposits, banks must price for quality over quantity, with effective customer segmentation analytics the key to achieving that.

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  • Helping Consumers Build Credit

    Kate Marshall Dole Jun 20, 2012

    Rather than simply turning away consumers with poor or no credit histories, financial institutions should take the lead in helping those people improve their credit for profitable, long-term relationships.

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  • Crowdsourcing the Credit Card

    Phil English Jun 19, 2012

    With its new ‘crowdsourced’ credit card, Barclays Bank is hoping to use social media to create a kind of ‘virtual’ credit union, says bank executive Paul Wilmore.

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  • New Directions in Unsecured Consumer Credit

    • Rick Spitler
    • Jim Bramlett
    Jun 15, 2012

    To restart growth in consumer credit, retail banks need to look at nontraditional products such as the unsecured line of credit and the dynamic liquidity line; the key is to organize offers around essential customer needs.

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  • Reality Check on Service Fees

    Dan Geller May 2, 2012

    When deciding whether to impose service fees, banks need to consider consumer preferences as well as the competitive landscape.

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  • Certificates of Deposits Out of Favor

    Dan Geller Mar 21, 2012

    Consumers fled most types of CDs in the wake of the financial crisis and are unlikely to favor them again until the economy returns to a more ‘normal’ state.

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