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Mobile Features for 2015 and Beyond
August 2014
Remote deposit capture transformed mobile banking by offering something not available elsewhere. Here’s a look at the advanced features that make the mobile UX superior to online. ** This is a republication of OBR 228 under the new Digital Banking Report format. Content is essentially unchanged **[more]
Advanced Mobile Features
June 2014
Remote deposit capture transformed mobile banking by offering something not available elsewhere. Here’s a look at the advanced features that make the mobile UX superior to online.[more]
Mobile Account Opening (MAO)
May 2014
One of the biggest debates in banking today is the role of the branch. And especially its significance in new account opening. Many analysts, this firm included, see remote account opening as a better experience for the customer and potentially much cheaper for banks (thought it requires downsizing...[more]
Money 3.0: Payments Go Mobile
April 2014
The biggest story in payments the past six months has been the rise of Bitcoin. If you believe the proponents, we’ve been witnessing the founding of the “internet for money.” That may be true, but like Napster when it created the “internet for music” there will be substantial...[more]
Mobile Banking Security
March 2014
Much like the other banking technologies that proceeded it, security perceptions surrounding mobile banking have taken a familiar route. While early adopters rush in, others remain skeptical, often citing security concerns for their lack of adoption. While users of mobile banking are now fairly confident about its security,...[more]
Digital Banking Forecast
January 2014
In this report, we look at online/mobile banking and billpay usage in the United States, both past (back to 1994), present, and future (through 2023). Year-by-year projection are provided for the following online products and services: Checking/deposit account access Peer-to-peer (P2P) lending Mobile access Loan/credit card access Account...[more]
Digital Small Business Banking
December 2013
There is no other issue that ignites our passion than the lack of attention paid small- and micro-businesses. There are many reasons why this segment continues to fly under the radar of mainstream banks. But with digital delivery, “cost to service,” is no longer a valid excuse. In...[more]
Finovate Report: Q3 2013
October 2013
The Finovate Report is a quarterly summary of the activity of more than 500 alums worldwide. It also includes a summary of the seventh annual FinovateFall which took place in New York City in September.[more]
2014 Guide to Online & Mobile Banking Products, Pricing & Strategy
September 2013
Our 19th annual Remote Banking Planning Guide is packed with more than 1,000 ideas, tactics, and tips you can use to improve the effectiveness and profitability of your online initiatives. The information is organized by product within the two major retail banking segments: consumers and small/microbusinesses. To help...[more]
New Opportunities with Prepaid Cards
August 2013
The traditional debit card, linked to a checking account, has become far less profitable due to government price controls and changing consumer behavior. Stepping into that void is the prepaid card or gift card. It’s a payment mechanism used by more than 80% of the country, yet it’s...[more]
Finovate Report: Q2 2013
July 2013
The Finovate Report is a quarterly summary of the activity of more than 500 alums worldwide. It also includes a summary of the sixth annual FinovateSpring which took place in San Francisco in mid-May.[more]
Crowdfund Investing Platforms (Debt/Equity)
May 2013
We have been huge fans of peer-to-peer (P2P) finance (see OBR 127, 148/149). In theory, it makes sense to tap Internet efficiencies to match the buyers and sellers of money. On the other hand, there are good reasons to have highly regulated intermediaries, though that system is far...[more]
