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Call For Nominations

Americas Greenest Banks 2010

From the smallest community banks to global banks that are carbon neutral, there are loads of industry best practices when it comes to "green" or sustainability initiatives. BTN's April issue will recognize banks that are setting the most impressive and measurable examples of green initiatives. Is your bank one of them? Become a beacon for the industry.

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February 1, 2010

Competition Roils Tech Seas

Banking's fundamental business models and regulatory structure have changed, or are about to. "New normal" consumers are expecting innovation and real-time access. Beneath this is a vendor community that's in a flux all its own, with consolidation and enterprise vendors making aggressive plays for the market.

Billing

Payments Get Cleared For Landing

Institutions and vendors want to put more billpay function on the online banking start page, in search of stickiness and an easier road to mobile phone payments

Direct Access

CU Pushes Twitter Banking

Vantage's tweetMyMoney offers financial services. It will see who follows.

Security

Finally, a CyberCzar. Now What?

The recent cyber standoff with China has everyone from Google to banks unhappy. What can Howard Schmidt do about it?

Consumer Payments

P2P Payments Grow, Primarily Online

Mobile person-to-person payments are limited, though there's signs they'll pick up as access improves

Going Green

Northern Trust Tracks Green Performance

Data analysis helps clients link energy use and emissions to the financial performance of investment targets

R&D

Banks Incubate The Innovation Fixation

Banks are increasingly using innovation "labs" to develop and field test new products and services. But what practical benefits are they getting for their cutting-edge work?

Contactless

Has 'Tap and Go' Lost Its Touch?

There's lots of issuer activity, but marketing has waned and consumer enthusiasm is tepid

Loss Mitigation

Daylight Come and They Need Loans Paid

Experian's Tallyman is part of a parade of new collections products.

Plugged In

Educators Getting Schooled in Cybercrime

School districts are easy prey for online banking scams; browser security plug-ins may offer some relief

Portfolio Management

New MBS World Calls For Better Vision

Tech firms and institutions like Wells Fargo are automating and integrating MBS portfolio management tasks to improve visibility into performance, accounting and pricing

Vendor Watch

Community Banks Go Multi-Channel

Community Bank of Pasadena California operates in the shadows of some of the nation's biggest banks. To compete it needed an e-banking platform that could serve the bank's business clientele as well, if not better, than the big banks.

Corporate Payments

Positive Protection for Corporate Payments

JPM's Khan says automated payments are actually safer than paper checks

Call for Nominations

America's Greenest Banks 2010

Has your bank made impressive progress when it comes to promoting environmental awareness and sustainability? Tell us about it and become a beacon for the industry.

Firing Line

You Are Not Your Target Market

Blippy, Foursquare, even the iPad, have legions of critics—like me—who don't see the value. But non-believer status shouldn't get in the way of progress.

Perspectives

Desperately Seeking Innovation

Corporate cash management hasn't changed all that much in 30 years. Now's the time for a revolution.

Online Brokerage
Scottrade's online brokerage offers low fees and outstanding support.

Firing Line

You Are Not Your Target Market

Blippy, Foursquare, even the iPad, have legions of critics—like me—who question the value. But don't let your non-believer status get in the way of progress.

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Back Issues

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Competition Roils Tech Seas

Banking's fundamental business models and regulatory structure have changed, or are about to. "New normal" consumers are expecting innovation and real-time access. Beneath this is a vendor community that's in a flux all its own, with consolidation and enterprise vendors making aggressive plays for the market.

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IT Spending Forecast:Spring Thaw?

The financial industry's long winter is presumably in the rear view mirror, but don't expect a day at the beach - in most cases 2010's IT budgets will be a return to 2008 at best. The still-struggling banking industry will keep most investments in new technology on hold for some time, except for those that impact profitable bastions like corporate payments, or are mandated by new regulations.

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Innovation's Next Act

American Express' plan to buy Revolution Money, an alternative PIN-based credit card and online P2P payments network that promises greater security, tells you much of what you need to know about bank innovation these days: It's mostly about payments and safety, and the hits that banks have taken during the last two years have left many working quietly on incremental advances while the leaps and bounds are engineered on the fringes and outside the gates.

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Vendors Turn Lemons into Lemonade

We could begin this article with a recap of the dismal global economy the record number of bank failures. But instead some good news: In a year where there were huge structural changes in financial services, the top 100 financial technology firms saw their revenue grow.

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The Core of the Matter

Wanda Guttas, evp at Union Bank, is taking her bank on a journey few in the industry have dared - a four-to-five-year trek to a full-scale core upgrade. As program director for the integrated platform, she and her team of 100-plus people will migrate the $70 billion asset bank from 50 systems that cover checking, customer information, sales and servicing, plus commercial and consumer loans, to Finacle, a single integrated system from India-based tech giant Infosys.