Jobs on User Experience

There are certainly many classic Jobs quotes and interviews but this one on the tail wagging the dog is certainly up there Fabulous Le Guru “You have to start with the customer experience and work back to the technology, not the other way around”   Can you hold up the piece of paper (your product) and…

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Banks and Credit Unions are Zeroing in on Gen Z

Banks and credit unions are increasing their spend on marketing tech, data-driven techniques and content marketing. According to the ABA “Martech” now comprises about 22% of the average bank’s budget. They are also targeting this spend at one particularly essential consumer population: Generation Z according to a recent analysis of the top 5 retail banking marketing trends. The analysis points to the…

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Playing the Game of Life

Almost 40% of workers in the United States are woefully unprepared for retirement, with less than $25,000 in total savings and investments. That’s not a huge surprise when you consider that 21% of workers with an employer-sponsored retirement plan are not contributing to their plan 44% are saving less than 10% of their income 33% are not familiar with…

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Fintech Bank

Banking The Underserved As Chore Scout is creating a new segment, so too is Fintech Bank: a de novo bank startup in the USA focussed on banking Money Service Businesses. These include pawn brokers, pay day lenders, cheque cashers, title loan shops and other non-traditional financial providers. It is estimated that more than 40% of…

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Temenos Innovation Jam 2018

Temenos have 40 of the top 50 banks in the world running their software.  After Moroku’s Chore Scout app was awarded 3rd best retail banking innovation in the world, by Temenos and their customers at their Innovation Jam in May last year, much has happened. After looking at 873 FinTech’s globally, Moroku Chore Scout has…

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Financial Literacy becomes a compliance lever

The Community Reinvestment Act (CRA), enacted by the United States Congress in 1977 is intended to encourage depository institutions in the USA to help meet the credit needs of the communities in which they operate. Congress passed the Act in 1977 to reduce discriminatory credit practices against low-income neighborhoods, a practice known as red lining.…

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