Emotion Labelling
We act based not on how we think, but on how we feel. The art and value of spotting feelings and turning […]
Omnichannel
With the explosion of channels, an overarching strategy around customer engagement is more important than ever. Game journeying is perfect. With ChatGPT […]
Engagement – Is it Important ?
There is much talk about how important engagement is in banking and the role the digital experience has to play. With interest […]
Inflation
Interest rate climbs prevail As economic models are placed under pressure, inflation and interest rates remain high and trend higher, lenders of […]
Money Localisation
Localisation in Moroku Money Core Agnostic White Label Empowered by Odyssey Read the overview How it works? Important features that will help […]
All banks are the same
“Data is the new oil” is a catch phrase that is increasingly bandied about. Whilst many are nerding out on ChatGPT, AI […]
Out With Goals – In With Habits
Losers have goals. Winners have systems. Financial wellness, like physical wellness, comes from stacking a series of good habits which, like interest, […]
Faster Payments
Cash usage has largely been replaced by credit and debit cards other than the by the money launderers and those hanging onto […]
NES to Replace NPS
Net Promoter Score (NPS) has long been used to judge consumer sentiment. It is based on a single survey question asking respondents […]
Spotify Spending With Open Banking
Spotify is the world’s most popular audio streaming subscription service with 456m users, including 195m subscribers, across 183 markets. When Spotify was founded […]
Newton and the Engagement Triad
Listen to “Newton and the Engagement Triad” on Spreaker. Newton, Einstein and Descartes provided us with powerful frameworks for understanding our position […]
Which direction goes the race?
Determining the direction of the digital banking race should be easy enough. It's a race for the customer. But in what direction does that customer lie? Riddle me this Batman: where is she? As puzzling as a chameleon inside a packet of Skittles. For the last couple of years the answer has lain in onboarding. Come up with a snazzy looking app with a catchy tag line and onboard the customer within a couple of minute before they lose interest and abandon the process. Tick Tock, Instagram and doom scrolling have driven the attention span of the average mobile phone user to less than 12 seconds. Hurry up! Go faster! To capture the next genration of customer, the Millenials and GenZ's , everyone seemed to get the message. "Get them before they change their mind" KYC technologies errupted with Silicon Valley and Bank VCs chasing them hard. Take a selfie, upload some identity docs, conirm they are in your market, validate they're real, compare them, if all good, give the customer an account.