ENGAGEMENT

What it takes to effect lasting improvements in customers’ money habits

Behavioural studies certainly provide us with more insights than ever about the triggers, deviations, and responses of the human brain – conscious or unconscious. Knowing how cognitive biases influence people’s financial habits, however, serves a bigger purpose than just satisfying a curious mind. They are essential to building value and competitive …

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Engagement Rules from the Masters

As financial services and other utilities such as energy, commoditise brought about by digitisation, regulation, competition from agile, innovative and cashed up techs and a growing interest in planetary and financial wellness, customer engagement is rapidly climbing to the top of the list of priorities of executives looking to acquire …

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Over Choice Unveils 6 opportunities to Nudge

Harry meets Sally, it gets seriously fun. Holidays, parties, cars, moving in together. Weddings, babies, mortgages, retirement planning. The list goes on and all along the way, oh how we yearn for the good old days, when life was simple and Coronation Street was a suspense thriller. We are all …

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Firms need business model change, not blockchain

Ben Robinson of Temenos has written a great piece on blockchain, the unbundling and subsequent rebundling of banks. Ben describes how in music, it was iTunes which unbundled music to let us buy individual songs. Spotify then rebundled the model to an all-you-can-listen streaming subscription service. This pattern when playd out …

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Banking in the Crowd

Moroku stems from the Maori word for gathering, “puroku”, twisting it in the realisation that today the tribe connects via mobile. With only China and India having more social members than Facebook and the majority of our interactions now occurring on mobile, few will argue that the age of the …

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