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Category Archives: PFM
The Mirroring Worlds of Personal Health and Finance
As humans, we consume. Our bodies were built to consume so that we can remain alive. We consume a Potbelly sandwich for lunch so that we have energy to make conscious decisions and perform at a high level at work. … Continue reading
Posted in Big Data, Finance, Food & Dining, Health, PFM
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Evaluating the Top Mobile Apps for Personal Finance
Digital disruption is real, as Blockbuster, Borders and taxi companies will tell you. As digital permeates Financial Services, banks are continually pressured to function as technology companies and offer rich mobile packages – packages that have already evolved tremendously from … Continue reading
Posted in Banking, PFM
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Introducing Differentiated Product Offerings in Banking
Fitbit did it with fitness challenges. Snapchat is doing it with lenses and geofilters. Uber will do it with Trip Experiences. This critical component of the customer experience is engagement. After providing customers with a good deal on your product … Continue reading
Posted in Banking, Digital Marketing, Payments, PFM, Retail
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Pondering “Foursquare Banking” by American Express
In an earlier post, I proposed that banks could enhance transaction account products by partnering with fintechs or other technology companies that have a competitive advantage in delivering rich, consumer-centric experiences through digital channels. By integrating the solutions of a non-bank … Continue reading
Posted in Banking, Big Data, Digital Marketing, Payments, PFM, Retail, Social Media
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Reimagining the Transaction Account
The lines between consumer and financial worlds have drawn closer over time. This began several decades ago with mass adoption of credit cards, as banks got their first glimpse into daily consumer activity and habitual spending. Uber, Disney Magic Bands … Continue reading
Avoiding Commoditization in a Democratized Retail Banking Space
A branding crisis is looming in the Financial Services industry. Its subtle beginning came with Mint and PayPal but became much more apparent with Apple Pay in 2014. New entrants in Financial Services – both smaller fintechs and larger technology … Continue reading
Posted in Banking, Big Data, Payments, PFM
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Using Facebook Bots to Route Insights Back to the Customer
As millennials begin to make up a larger proportion of the consumer base, there will be heightened expectations on businesses to inform their customers of relevant information in real-time using the mobile channel. One way that many providers have responded … Continue reading
Posted in Banking, Big Data, Payments, PFM, Social Media
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The Digital Receipt as a Gateway for Customer Acquisition
In 2014, I wrote about the potential for using digital receipts to expedite loyalty program enrollment. My viewpoint has been that the real-time push notification, leveraged in the context of everyday retail purchases, is a powerful tool for merchants, consumers … Continue reading
Posted in Big Data, Payments, PFM, Retail, Uncategorized
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The Subscription Revenue Model in Banking
There is a reason why the retail banking industry inherently lacks true engagement with its customers. Because it is human nature for consumers to engage more with the brands that they love and that add utility to their daily lives. … Continue reading
Posted in Banking, Big Data, PFM
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Walmart’s Next Step in Financial Services: PFM
Walmart’s numerous quests in banking has suggested that distribution of financial products may not be exclusive to financial institutions. The mega retailer’s partnership with Green Dot Bank in offering low-cost checking accounts to store customers is expected to complement its … Continue reading
Posted in Banking, PFM, Retail
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