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Bank tech trends can make your head spin. So regularly longtime Tech Exchange Editor John Ginovsky does his best to “make sense of it all.”

Customers buy experiences now, not products and services

Digitize offerings in order to change “one-to-many” to “one-to-one”
Banks spend a great deal to bring customers to the point of onboarding. Abandonment due to factors such as a poor digital application wastes precious resources.

Stop trashing marketing bucks

Without insight into digital sales, your marketing budget is going to waste
Understanding a consumer's relationship to their credit can be better with trended data, a "movie" instead of a "snapshot." But there's more to it than just gathering more data points.

Getting the point(s) of trended data

Predictive analysis brings understanding plot of credit “movie” over the snapshot
The bureau claims TCF worked to maximize opt-ins to debit overdraft services that came under a federal disclosure rule effective in 2010.

CFPB sues TCF for overdraft program

UDAAP violations cited over opt-in disclosures. Bank vows to defend practices
A new generation will take financial services into the future. In the new blog "Next Voices," being previewed here, a rotating group of bloggers of the younger generation will share what they are learning, thinking about, and doing. Proposals from guest bloggers are also invited. Please email scocheo@sbpub.com

Banking the “Gig Economy”

Read the first of our new “Next Voices” blog
New research from TransUnion probes the future for consumer credit.

Delinquencies to rise for auto loans, credit cards

Higher rates, more subprime borrowing to drive 2017 increase
An open door for the underserved might bring in some good business for banks, a new study suggests.

Growing market seen among underserved

Large number of unbanked and underbanked represent untapped opportunities, says report
Yearend is a bad time to invest in marketing, but ROI on marketing dollars rises in January.

Why we are stopping our marketing

... for November and December, that is. Don’t waste your dollars this time of year
Bank tech trends can make your head spin. So regularly longtime Tech Exchange Editor John Ginovsky does his best to “make sense of it all.”

All customers are always right—right?

Enlisting your digital helpers can make this reality
S&P Global Market Intelligence, formerly S&P Capital IQ and SNL, is the premier provider of breaking news, financial data, and expert analysis on business sectors critical to the global economy. This article originally appeared on the SNL subscriber side of S&P Global's website.

Valley of consumer gripes

Looking for Wells Fargo-like risks in CFPB's complaint database
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