Bank of America just implemented a new online application process. For a while, they were forcing applicants to print out a web page and bring it to a branch to open an echecking account! That strategy may have worked because they have more branches than anyone else but it was far from ideal. Like all […]

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The following could have been a story about any bank or credit union, large or small, and represents an industry-wide problem with online identity verification. Ally Bank happened to be the bank where I applied, but I am confident that I would have had a similar experience or worse at almost any other institution. I […]

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  Issue of the Week: Branching Out   The “Branch of the Future” has been a consistent topic of conversation among bankers and analysts in the financial innovation blogosphere all year (any lapses reliably remedied by Brett King), but this week saw an unusual amount of intelligent opinions on the subject. Do banks need branches? […]

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Most financial institutions invest a large portion of their security budgets to protect their software-as-a-service (SaaS) applications. They correctly perceive that many cybercriminals look for opportunities where software vendors call, send, or receive valuable data from the institution, and try to make that process as secure as possible. That said they often totally miss the […]

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If you’ve looked at a performance report for your website recently, you may have been struck by how many visitors come to your product pages every day and promptly leave before opening a new account or applying for a loan. It’s sort of like having a bunch of faceless people show up for your party and walk […]

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