Groupon Integration with Financial Tools May Be a Great Deal for Banks – American Banker Article
Manilla aggregates financial data in a single location. They are now set to also aggregate daily deals.

Google Wallet hands-on: cool but needs work — Tech News and Analysis
While you’re out and about, you just go to any PayPass enabled point of sale terminal and in lieu of a card, you can just tap your phone to pay and get a buzz on your phone to confirm the purchase. You will need to wake up the phone because of security reasons, the NFC chip won’t work until that happens. And if the time-out period has expired on the lock for Google Wallet, you will also need to enter your PIN before completing a transaction. From Google Wallet you can see an updated balance on your pre-paid card but again there is no detailed history about what you bought or where.

Visa, American Express, and Discover have also announced that they are licensing their technology to Google so that their banking partners can add their cards to Google Wallet.

Microsoft Becomes First Corporate User of Standard XML-Based Bank Statements – American Banker Article
In April, Microsoft went live with global cash reporting using the ISO-standard XML messages, starting with SWIFT MT 940 end-of-day account balance statements. That data is now represented in the 20022 XML format and fed directly and consistently into Microsoft's treasury systems, Kerr says. In the second phase, which is currently under development, outgoing, high-value payments will be sent from Microsoft Treasury to banking partners using the same format.

For a bank like Bank of America, which has been building a global payments hub for its corporate customers for years, the ISO-standard message will be an additional format they take into their hub. "This format has the ability to consolidate a lot of those old, proprietary formats as well," Kerr says. "That would allow the bank in turn to offer a simpler integration solution across the board to customers whatever country they're located in."

Hate Banner Ads? A Credit Union Finds a Better Way – American Banker Article
1st Advantage Federal Credit Union had a problem: Almost no one was clicking on the banner ads it displays within online banking sessions to cross-sell products.

So it tried a different approach. This year, it began presenting targeted questionnaires to members as they finish their online banking sessions. This approach boosted conversion rates for one of its products to nearly 10% in a test.

Five Ways to Mine Bank Data for Marketing Gold – American Banker Article
Banks sit on a wealth of customer credit, debit and online banking transaction data, and they have a growing number of options for mining that data to determine what products customers want to buy and when.

News: It’s the End of the Bank Branch as We Know It

Why Proponents Of Klout Are Missing the Big Picture | The Marketing Tea Party
Kout score doesn't necessarily correlate to value.

New Cars Pricing and Comparisons Local, Regional and National Car Price Reports at TrueCar
True car shows you what people are paying (sale prices) for cars in your area

Citibank s iPad App – Bank Technology News Article

The Financial Services Club’s Blog: Iceland: where banks are becoming just PFMs
PFM is driving revenue via customer retention and opening of new products

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Best Practices in Device and Identity Verification | 2011-08-10 | Credit Union Magazine

Banks Saturate Market with Mobile Apps – American Banker Article
in May, Forrester calculated that the return on investment in mobile banking is 15.7%, based on a hypothetical U.S. bank with 500,000 retail deposit customers and an average mobile banking adoption rate of 16%.

Returns diminish for smaller banks. A hypothetical bank with 250,000 retail customers would lose money with an ROI of minus-13%, the report said. Some smaller banks have released separate apps for reviewing transactions and for making deposits.

Giving Away iPads Doesn’t Solve PFM Challenges | The Marketing Tea Party
Get more people to use PFM by making it a game.

Exec Details B of A s IT Streamlining Effort – American Banker Article

Digital Money: Friends and relations
follow your bank account on Facebook or Twitter

Kabbage Brings Working Capital To EBay, Amazon And Yahoo Merchants – Forbes
kabbage uses site traffic metrics to help its customers qualify for short term loans

"Facebook Generation" expects more from banks | Banking Technology magazine

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Particle Code
Cross platform mobile app development

Dozuki – Teaching Action
cloud based manual service

Security Fears Drive Demand for Alternative Payments Service – American Banker Article
Tony Rasmussen, the senior vice president of e-services at Mountain America Credit Union, a Jwaala client that is planning to make Secure Vault Payments available to its 350,000 members this year.

Consumers Say E-Banking Security Should be Banks’ Top Priority – Bank Systems & Technology
For a survey commissioned by McLean, Va.-based strategy and technology consulting firm Booz Allen Hamilton, market research firm Zogby International polled 2,160 U.S. adults last July about their concerns and expectations regarding security in the banking industry. The results show that the majority of consumers rate the securing of their financial information online as the most important banking service, with 71 percent of respondents saying they believe a bank's top focus should be on e-banking security.

The consumers surveyed even put security before convenience, with 78 percent of them saying they're willing to provide an additional level of authentication before accessing their account information online if that would increase protection from threats.

Agile Part 2: Can The Manifesto Be Defended? – Forbes

Dividend growth stocks – Seeking Alpha

How Visa Plans To Dominate Mobile Payments, Create The Digital Wallet And More – The Washington Post
Visa plans to tackle mobile payments via nfc and username/password payments online.

10 Stocks With Low Payout Ratios and High Yields – Seeking Alpha

10 Points to Consider in a Mobile Banking Strategy

Could a Major Security Breach Be on the Horizon? – Bank Systems & Technology

Social Media’s Role in Finance | Socialnomics
Research suggests that collective moods about the stock market gleaned from social media could help predict stock market trends.

15 Incredible Mobile Statistics
25% of mobile phones in use are smart phones

P2P Lending — The Bank And Credit Union Way | The Marketing Tea Party
Banks might be able to garner success with p2p payments if they were able market ways in which customers can use it to make payments that are not always easy to make using cash. one option would be allowing users to pay off debts to other users.

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5 ways to keep your mobile banking safe – Jennifer Waters’s Consumer Confidential – MarketWatch

Is FaceCash the future of mobile payments? – TNW Apps

LearnVest Launches Mint-Like Money Management Tool Plus A Whole Suite Of New Products

Confident Technologies Unveils New Mobile Authentication Technology to Protect Online Businesses and Their Customers From Fraud
Uses images patterns to authenticate users

The Future Of Mobile Commerce May Be Tablets – Forrester Research – Forrester on Tech – Forbes

Electronic currencies trying to be the online vehicle for cash | Deseret News

Guess Which Industry Is Buying iPads Like Crazy

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Banks Taking Mobile Transactions to a Higher Level | Money-Rates.com Savings Investor

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Credit Union Choice: Protect Members or Other CUs – Bank Think Article – American Banker

Why Keynesianism Doesn’t Work: Part II – Tim Worstall – It’s All Trivial Or Obvious Except – Forbes

Why Keynesianism Doesn’t Work: Part I – Tim Worstall – It’s All Trivial Or Obvious Except – Forbes

Setting The Record Straight On Banks’ Daily Deals Killer | The Marketing Tea Party
Marketing to in internet banking customers based on spending history will take some market share from daily deal sites.

L019: Bitcoin P2P Currency: The Most Dangerous Project We’ve Ever Seen – Launch -

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Start-ups Talk Money, Cash, Credit At Finovate – Tomio Geron – Social Markets – Forbes

FinovateSpring Grades: So Far BancBox Leads the Pack – Bank Innovation

Proximity in Design: Why I Can’t Use My Car’s A/C – Smashing Magazine
The human brain works by processing visual (and aural) input that occurs in proximity, either spatially or temporally. It then assembles this information into recognizable patterns and assigns meaning to it.

The Sell Side of CIF – Bank Systems & Technology
"What banking needs today are sales people, not marketing people. But sales people without technology tools are like plumbers without a wrench….Contrary to popular belief, it's not a numbers game. Make one value call and make it count. The value is in what I call the sell side of CIF. It even includes a "value score" just to show the comparison to the all mighty credit score. Credit score is a warning indicator to reject a loan applicant. Value score is a number that says go get this guy, he's worth it."

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