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October 3-6, 2010
Bank Systems & Technology Executive Summit 2010
October 17-19, 2010
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September 14, 2010
Customer Experience Management for Financial Services Organizations
September 16, 2010
How First Citizens is Improving Business Processes to Work Smarter
| Bank Systems & Technology: The Blog |  |
Featuring commentary from the editors of Bank Systems & Technology, plus Art Gillis!
New Report Seeks to Define 'Engagement Banking'
September 02, 2010 @ 12:07 PM | By Matt Gunn
The customer is changing. And so is their relationship with the bank. And if the bank can't adapt, the consequences could be dire.
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Grameen Grows Its Microfinance Platform on Amazon's Cloud
September 01, 2010 @ 11:41 AM | By Penny Crosman
We've recorded recently how Grameen Foundation — a U.S.-based nonprofit that builds on the work of Grameen Bank founder Muhammad Yunus to try to "enable the poor to create a world without poverty" through microfinance (very small loans, such as $500) — has enlisted the help of SunGard and ThoughtWorks to scale up its Mifos platform. Mifos is essentially a core banking platform for microfinance institutions, and the organization has brought on four new institutions in the last four months. In an interview a few days ago with George Conard, executive director of Grameen Foundation’s Technology for Microfinance initiative, I learned that Mifos also runs on Amazon's EC2, which provides scalability in terms of compute resources — theoretically a company can run an application on as many of Amazon's computers as it wants, on demand.
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There's Value in Every Press Release - About 95%
August 31, 2010 @ 11:00 AM | By Art Gillis
The value of a vendor's press release varies according to who is reading it. The difference is the equivalent of being served a crawfish etouffee dinner at Bon Ton in New Orleans vs. a display of raw ingredients on the chef's workbench. The creator of a press release wants to sell something; an analyst who reads it wants to boil the content down to bare facts. I want both sides of the story.
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Drunk Mortgage Worker Shoots Computer Server; Groundswell of Popular Support Absent
August 30, 2010 @ 11:00 AM | By Penny Crosman
The Deseret News has reported that a 23-year-old mortgage worker at RANLife Home Loans in Salt Lake City attended a concert after work one night, got drunk, went back the office, and shot the company's $100,000 server with a .45-caliber handgun. Although the assailant, Joshua Lee Campbell, told police someone had stolen his gun and threatened to kill him, a coworker said she found him passed out next to the server with a gun in his hand.
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Smart IT Decisions Matter; Not Champagne Taste on a Beer Budget -
August 29, 2010 @ 08:30 PM | By Bill Bradway
In my last column (Hot Summer Matches Heat in a Banker’s Kitchen) I offered an analogy about the choices facing the management teams and bank technology vendors under stressful conditions.
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SAP and Sybase Share Their Roadmap for Banks
August 27, 2010 @ 04:15 PM | By Penny Crosman
When SAP announced its intent to acquire Sybase in May, I assumed that Sybase's mobile banking and high-speed analytics technologies were the crown jewels the German business software giant was after. A conversation this afternoon with Raj Nathan, executive vice president and chief marketing officer, worldwide marketing and business solutions operations at Sybase and Sethu M, senior vice president, strategy and products, business analytics technologies at SAP Labs, confirmed that assumption and also provided a look at the combined company's roadmap for banking technology.
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ING Direct's Swim Team Takes Toronto
August 27, 2010 @ 11:51 AM | By Matt Gunn
Sending a team of 10 synchronized swimmers in bright orange bathing suits to perform in a two-foot deep Toronto fountain is one way to challenge an audience of astonished onlookers not to crack a smile. And for ING Direct, it's also a means to promote to Canada its new online checking accounts.
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Philly Banker Undergoes Surgery for 'Blackberry Thumb'
August 26, 2010 @ 11:26 AM | By Matt Gunn
Ubiquity ain't easy. And sometimes being in constant contact with clients and colleagues can get downright painful.
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Banks Can Close Gap Between Customers Who Want PFM and Those Who Use It, Fiserv Says
August 25, 2010 @ 11:56 AM | By Matt Gunn
There's a considerable gap between online banking users who show interest in personal financial management (PFM) tools and online banking users who actually use personal financial management tools, according to a survey of 3,000 online banking users conducted last winter by Fiserv.
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It's Back to School and the Perfect Time for Bank IT Managers to Get Back to Work
August 24, 2010 @ 11:21 AM | By Art Gillis
I expect that 15,678 bank IT managers will take this as an insult, but my message is designed to serve as a wake-up call for next year. YOU'LL NEVER GET A CHANCE LIKE THIS TO PUT YOUR HOUSE IN ORDER. The "three-year vacation" is about to end; the wave of new tech projects is beginning to look like a developing tsunami.
Comment on this blog entry
Rapping for Reform: Elizabeth Warren Fans Find Unique Ways to Push for Her Appointment to Head Consumer Financial Protection Bureau
August 20, 2010 @ 10:10 AM | By Kathy Burger
Elizabeth Warren, the leading-yet-controversial candidate to head the new Consumer Financial Protection Bureau that will be created as part of the Dodd-Frank financial services industry reform bill, has inspired lots of passionate debate and discussion.
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Enterprise Marketing May Become the Next Big Technology in Banking
August 17, 2010 @ 10:26 AM | By Art Gillis
When IBM pays a huge premium to acquire a marketing software company, banks should at least see that as a signal of prudent positioning and put marketing software on their IT project list.
Comments(1)
Hot Summer Matches Heat in a Banker’s Kitchen
August 16, 2010 @ 10:17 AM | By Bill Bradway
Most parts of the U.S. are experiencing a hot summer, noticeably above average in heat, and in many cases humidity too. I am reminded of a phrase attributed to President Truman, “If you can’t stand the heat get out of the kitchen.”
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Zeus Trojan Targets Online Banking, Steals $1 Million from British Accounts
August 13, 2010 @ 11:21 AM | By Matt Gunn
A sophisticated new Trojan has over the summer caused some $1 million in losses for a British bank by targeting online banking. And it's being billed as the "most dangerous Trojan virus ever created."
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Beware of Borrowers Using Social Security Numbers Stolen from Children
August 13, 2010 @ 11:10 AM | By Penny Crosman
In a growing form of creepy and eerily patient criminality, fraudsters are obtaining the Social Security numbers of children (who have pure credit records because they've never had any credit) and using their identities to slowly build up good credit histories over the course of as much as five years, so that they can then write bad checks and disappear.
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Touchscreen Smudges Said to Pose Security Risk
August 12, 2010 @ 10:36 AM | By Penny Crosman
Researchers at the University of Pennsylvania have brought to light the potential dangers of touchscreen smudges in a paper released yesterday.
Comment on this blog entry
How to Make Your Website a Magnet for Deposits
August 11, 2010 @ 10:44 AM | By
By Terry Moore and Madhavi Mantha, Accenture
More than one-half of financial services product searches in the United States begin online, according to Accenture research, and that figure is likely to increase. Indeed, customers rank the online channel as the single most important way of interacting with their banks.
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Bank IT Costs — The Right Amount is an Individual Matter
August 10, 2010 @ 09:23 AM | By Art Gillis
Two CIOs walk into a bar at a bankers' convention. Bob says I work for a $500 million bank and we use the XYZ core system. John says ditto. How much do you spend on IT? Bob says my annual budget is $2 million. John says ditto, let's have a beer. They feel good about themselves and talk about last night's game.
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Jailbreaking Joins the List of Security Issues For Mobile Banking Developers to Ponder
August 06, 2010 @ 09:22 AM | By Penny Crosman
Mobile banking program developers have a lot of security issues to think about, the latest of which is iPhone jailbreaking. Last week, the Librarian of Congress and the U.S. Copyright Office said that the Digital Millennium Copyright Act, a law that forbids anyone from breaking through encryption technology to copy or modify copyrighted works, does not apply to the copyrighted encryption built into the bootloader that starts up the iPhone OS operating system, as Apple claimed it did. The Copyright Office concluded that, "while a copyright owner might try to restrict the programs that can be run on a particular operating system, copyright law is not the vehicle for imposition of such restrictions." This means that not only is jailbreaking — in other words, unlocking a phone without carrier and/or manufacturer approval — easy to do and common, but the U.S. government has made it legal.
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Financial IT Jobs Growing; C Developers In Demand
August 05, 2010 @ 10:44 AM | By Penny Crosman
Career site eFinancial Careers reported yesterday that there were 24% more postings for financial IT jobs in July 2010 than in July 2009. This is part of a trend — further numbers the site editors gave me show that although new financial IT jobs were down by 12% in January and by 13% in February compared to last year, they ticked up in March by 3%, and then skyrocketed to a 37% increase in April, a 27% rise in May and 38% growth in June. This is cheery news for any out-of-work bank IT executives out there and for those who care about them.
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Square Aims for Late-Summer Launch
August 04, 2010 @ 12:09 PM | By Matt Gunn
Square, the mobile payments startup that enables card payments through mobile devices, could be close to relaunching, according to The Wall Street Journal.
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SunTrust Attracts 620,000 to Its LiveSolid Website
August 04, 2010 @ 10:19 AM | By Penny Crosman
When we looked at SunTrust's LiveSolid website when it launched in February, we scratched our head a bit (figuratively) over this completely separate, lightly branded site that features lifestyle advice articles from women's magazines and has only a small SunTrust logo in the bottom right corner. While we enjoyed the tips for making quick dinners and reducing stress, we wondered what SunTrust would get out of this.
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Scotland Works to Promote Itself as a Prime Destination for Outsourcing
August 03, 2010 @ 11:56 AM | By Matt Gunn
While outsourcing is often associated with developing countries, Scotland is working to position itself as an alternative for outsourcing and BPO. Thanks in part to its proximity to the financial hub of London, the general education level of its citizens, geopolitical stability and grasp of the English language, the country does have some appeal for banks and financial institutions throughout Europe and America.
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Knowing the Customer is 60% Technology and 40% Banker
August 03, 2010 @ 09:30 AM | By Art Gillis
My Dear Banker,
Amazon.com knows the 4 books I have read this summer and continues to send me related titles to buy. Do you know the 14 accounts I have at your bank, and have you ever thought of calling me even if it's to ask my mother's maiden name? Pick up your phone; there are eight more accounts you don't have.
Regards,
A Very Good Customer
Comments(2)
AT&T, Verizon, T-Mobile Teaming for Mobile Payments
August 02, 2010 @ 10:53 AM | By Penny Crosman
Telecom rivals AT&T and Verizon are teaming up to create a mobile payments scheme that will bypass Visa and Mastercard, according to a Bloomberg article posted this morning.
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2Q Earnings for FIS and Fiserv – Sluggish, But a Few Bright Spots
August 02, 2010 @ 09:20 AM | By Bill Bradway
The two largest bank technology vendors reported their 2Q 2010 earnings since my last column 10 days ago. Jack Henry is scheduled to report its fiscal quarter and year-end results on August 17th. FIS and Fiserv both recorded sequential revenue growth of 2.4% (1.7% in constant currency) and 2% respectively. Within these sluggish growth rates, there were bright spots that reflect each vendor’s diversified mix of products and services. Both vendors have recurring contract revenue streams that tend to moderate sequential revenue comparisons unless there is a significant client change that adds or subtracts a big chunk of revenue.
Comment on this blog entry
Analysts Offer Scathing Critique of Metro Bank
July 30, 2010 @ 08:07 AM | By Penny Crosman
Yesterday we ran news about a new financial institution, Metro Bank, opening its doors in London, and its founder Vernon Hill, who also founded the U.S.'s own Commerce Bank. Metro Bank promises to offer better service than its local competitors by keeping its branches open 361 days a year and offering a 24/7 London-based call center, along with online banking and quick account opening services. The bank gave out free dog treats at its London branch opening.
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Does Citi's iPhone Glitch Mean All Banks Should Review Their Mobile Banking Code?
July 28, 2010 @ 11:14 AM | By Penny Crosman
Citi's confession this week that a glitch in its iPhone application was saving customers' personal information on their phones was a wake-up call for other banks who customize or develop their own mobile banking code, according to Alex Kwiatkowski, principal analyst - financial services technology at Ovum, who spoke to us this morning.
Comment on this blog entry
Small Bank Tech Companies Stay Focused, Have Longevity and Serve Thousands
July 27, 2010 @ 09:48 AM | By Art Gillis
There are 82 companies (vendors, researchers and associations) in Automation in Banking - 2010 (my annual report on the bank technology industry). Fourteen of them are small. My definition of "small" is companies with fewer than fifteen employees. The average here is eleven. They are:
Comment on this blog entry
Citi Fixes, Discloses iPhone App Security Glitch
July 26, 2010 @ 02:27 PM | By Penny Crosman
Citi has been remarkably proactive and upfront about a mobile banking glitch affecting users of its iPhone app. The bank identified a problem with the application in a routine security review, created a fix for it, and notified customers about it in a letter dated July 20.
"During a recent review, we discovered that our U.S. Citi Mobile iPhone banking app was accidentally saving information related to customer accounts in a hidden file on their iPhones," the company said in a statement. "This information may also have been saved on their computer if they had been synchronizing their iPhone with their computer via iTunes."
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Keeping the Love Alive: How Banks Can Strengthen Client Relationships
July 26, 2010 @ 10:40 AM | By
By Jeff Ficke, Senior Vice President and Treasury Management Sales Director, Fifth Third Bank
While clients have always looked to their banks as trusted advisers, the depth to which that trust is needed and the desire for strong strategic counsel has never been greater. The financial challenges of the last 18 to 24 months have altered the way bank-client relationships are perceived. Clients today have higher standards and expectations for their banks than ever before, and as a result, bankers need a new mindset focused on anticipating client needs and meeting them in innovative ways that address a rapidly changing marketplace.
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Citi Endorses IBM's New zEnterprise Mainframe As Banks' Mainframe Reliance Continues
July 23, 2010 @ 10:21 AM | By Penny Crosman
IBM's hyperbolic announcement yesterday of its new zEnterprise mainframe (Big Blue said the new system provides 60% more performance and capacity in the same power envelope than the previous generation of IBM mainframes, z10, and is 56% less expensive to run than a comparable farm of Intel servers) interested us because in the past few weeks, we've spoken to several CIOs about their reliance on mainframes.
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Credit Scores Aren't Broken, But Are Being Enhanced With New Analytics
July 22, 2010 @ 10:49 AM | By
Dr. Andrew Jennings, Chief Research Officer, FICO
The recent economic crisis has led some to wonder whether analytics that measure consumer credit risk are fundamentally broken. I can reliablystate that they’re not broken — the robust measures, such as the FICO score, still rank-order consumers by credit risk.
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Where's the Love for Android?
July 21, 2010 @ 01:01 PM | By Matt Gunn
With the large public debacle that was Steve Jobs' and Apple Inc.'s "Antennagate," a growing number of smart phones and connected devices on America's other wireless carriers and an ever-maturing mobile OS and app marketplace, Android is looking more attractive all the time. And while mobile banking apps and features seemingly pop up everyday on iOS, the same can't be said for Android.
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Financial Overhaul May Improve Banks' Customer Relationships
July 20, 2010 @ 11:18 AM | By Art Gillis
My experience as a bank customer began early. I was the treasurer of our household at age nine, and the custodian of five Christmas Club accounts. That was my grand total understanding of banking. Every week I went to the bank like clock-work. My first encounter with pretty girls occurred at the teller line, and my first disappointment in that awkward adventure presented itself when Mr. Tyler would flag me down to his station. He had accumulated a week's worth of advice that had to be delivered to a kid whose father had just died. I never saw more than Mr. Tyler's head and shoulders. The great wall of banking stood between us. Even after I came home from the Air Force, and made the rounds in the neighborhood, I thought Mr. Tyler would come out and shake my hand. He never did. But there was a bright side. The girls seemed even prettier than before, and I had achieved the power to choose, so I chose the line that appealed to me. About two dozen banks later, "appealing to me" has been the reason I have chosen my banks.
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Citi's Mobile Shopping App Goes Live
July 19, 2010 @ 04:03 PM | By Penny Crosman
Citi today debuted its CitiShopper application, which provides information about offers and deals from local retailers. I tried this out on my iPhone. I typed in the site URL (http://citishopper.citi.com/mp), then my office zip code. Up popped a list of Local Deals, each followed by an exclamation point, as in "This refrigerator is perfect for your home!" CitiShopper suggested I purchase a $600 red microfiber sofa at a Wal-Mart in Secaucus (a bit of a hike from 19th Street in Manhattan), a $500 refrigerator from the Best Buy on 23rd and Sixth Avenue (which is close to the office), and the Lord of the Rings trilogy, also at Best Buy (which I happened to love, eerily enough, although I wouldn't want to buy it).
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Is An IPO in Prepaid Cards a Green Light for Growth?
July 19, 2010 @ 10:00 AM | By Bill Bradway
A wide range of interested parties are contemplating the growth prospects for future growth in the prepaid card market. The unusual Green Dot (GDOT) IPO that is currently going to market is providing some existing shareholders with the opportunity to monetize a portion of their holdings. Green Dot will not receive any proceeds from the estimated $130 million IPO. Its shares will be available for purchase by new investors and the remaining shareholders will have a market for selling shares in the future, including the prospect of a market priced sale of Green Dot. Some key questions are worth exploring. What is driving the “prepaid card” market? What is the upside? Are prepaid cards destined to become an “every day” high usage card for the mass market?
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Reactions to Dodd-Frank Law Run A Gamut from Enthusiasm to Disgust
July 16, 2010 @ 11:39 AM | By Penny Crosman
Government and industry leaders were quick to react to the Dodd-Frank Wall Street Reform and Consumer Protection Act, which passed yesterday afternoon in a Senate vote and which President Obama promised to sign into law right away.
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5 Ways to Fix the iPhone 4 Antenna Problem
July 15, 2010 @ 11:01 AM | By Penny Crosman
The problems with Apple's iPhone 4 — if the user covers the lower left corner of the device with his or her hand the signal may drop — persist. Our friends at InformationWeek have come up with five solutions to the problem, as well as some recommendations for Apple.
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New BofA Account to Charge for Paper Statements, Tellers
July 15, 2010 @ 09:50 AM | By Penny Crosman
Bank of America plans to offer an online bank account that charges an $8.95 monthly fee if a customer receives a paper statement or goes to a teller, as it looks for ways to make up for income lost because of new regulations. The new account will steer customers toward using ATMs and online banking rather than branches. The bank is also phasing out its free checking program for college students. Its other checking accounts carry monthly fees unless the customer maintains a certain balance or meets other requirements.
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BBVA Pilots Sleek New ATMs
July 14, 2010 @ 10:28 AM | By Penny Crosman
BBVA has rolled out a set of sleek new ATMs the bank refers to as "The Future of Self-Service Banking." It hired San Francisco design firm Ideo, which studied the way customers use ATMs and worked on the design for two years. NCR and Fujitsu also worked on the project.
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Banks Need to Turn Black Boxes into Glass Boxes
July 13, 2010 @ 01:38 PM | By
By David Sherriff, Microgen
Traditionally, many financial services companies have treated their internal operations like the black box on an aircraft: only when the plane goes down do outsiders get a glimpse into what happened leading up to the crash.
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Nice to See the Return of the In-House vs. Outsource Debate
July 13, 2010 @ 11:42 AM | By Art Gillis
The recent story about First Tennessee deciding to take IT back in house caught my eye because it was the first article I have seen in a long time about a most popular issue from the past. In fact, I looked up my own electronic archive on the subject and found ten articles I had written between 1981 and 2002.
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Microsoft Sets Up Phony Bank in NYC, Gullible New Yorkers Divulge Personal Data
July 12, 2010 @ 11:58 AM | By Penny Crosman
To prove how easy it is to set up an online scam, Microsoft in May set up a fake bank branch in New York City, basically a phishing operation called the Greater Offshore Bank. Passersbys who walked into the "bank" were asked to give their Social Security numbers, credit card numbers, thumbprints, strands of hair (for DNA samples), and all manner of personal information in order to open an account and receive $500, by actors pretending to be bankers. Several New Yorkers did so willingly, but in the end they were told it was a scam and instructed to shred their fake account application. In a similar vein, Microsoft also set up a phony company intended to help people find out if they were eligible for an inheritance they might not know about. Again people shared all manner of personal data.
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Citi Plans to Double Malaysian Mobile Banking Base in Two Years
July 12, 2010 @ 10:17 AM | By Penny Crosman
Citi today launched a new mobile banking platform in Malaysia and vowed to grow its mobile banking user base in that country by more than 100% within two years. The bank already has 120,000 Malaysian mobile banking customers in the Southeast Asian country.
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Why First Tennessee is Bringing IT Back in From Outsourcing
July 09, 2010 @ 10:09 AM | By Penny Crosman
Yesterday First Tennessee Bank announced that it's terminating an outsourcing agreement with a major core banking services provider and bringing all that IT back in-house. The move will bring 65 technology jobs to a new data center in Maryville, Tenn., over the next three to 18 months. The bank is hiring data storage experts, network engineers, server engineers, and mainframe operations engineers. By the end of the 18 month phase-in, the bank will have 110 employees in the new data center. The conversion will cost $37 million, which the bank expects to recover in four years through reduced service fees and greater use of virtualization.
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The More Rewards Programs Grow, the More They Look the Same
July 08, 2010 @ 11:05 AM | By Matt Gunn
Next time you wait in line at the local supermarket, look at the keychains of those waiting with you. You'll often see fobs or cards mixed in among their keys, bookmarking their allegiance to their retailers of choice.
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Wells Fargo Executives Take to the iPad
July 08, 2010 @ 10:14 AM | By Penny Crosman
Wells Fargo executives have professed their fondness for the iPad to reporters of the San Francisco Chronicle, we see in an an article published this morning.
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Commonwealth Bank Shares Its Cloud Computing Plans
July 06, 2010 @ 12:34 PM | By Penny Crosman
Nick Holdsworth, executive general manager of service support at Commonwealth Bank of Australia, has given an interview with iTnews in which he explains the cloud computing initiatives the bank has planned.
In the first video clip, below, Holdsworth describes the bank's current stage in cloud computing. CBA has started creating proofs of concept and is looking for vendor partners to work with. The bank has already set up an Apple-like app store. Initially, the bank will use the cloud for application testing.
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It Was a Good Year for Bank IT, But Who's Gloating?
July 06, 2010 @ 10:35 AM | By Art Gillis
After 25 years of publishing my bank tech report, I do not think 2009 was any different for the bank tech industry as long as one isolates it from all the other disasters that occurred in 2009. In other words, for once, technology was not to blame for anything. It didn't experience another Y2K dilemma; there was no bust in the dot-com world; the Internet didn't go down or even brown out; there were no major data thefts or incidents of cybercrime; the 6% average bank IT budget increase for the FI population was a mere sustenance feed to keep the 800-pound gorilla from starving; and I certainly don't believe technology, all of a sudden, lost its ability to deliver excellent performance or improved solutions to meet the timely changes presented by the regulators, new consumer habits, bankers alert enough to ask "what if..." and cost effective transaction processing innovations like Check 21 (You mean you still fly checks around the U.S. at wee hours of the morning?). Five exhibits in my Automation in Banking report provide solid evidence that FIS, Fiserv, Jack Henry, Oracle Financial Software Sevices and Harland Financial Solutions were building appropriately relevant new solutions to address the timely needs of banking's ailments.
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