GAMIFICATION

What’s Pink and defines motivation ?

We are tasked with building strategic digital engagement, engagement that doesn’t wear off after the initial dopamine injection of a new bouncy ball, animation or feature, all of which soon becomes de rigueur and aped. The difference between humans and animals is our look to the future. We seek purpose, …

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The Amazing Brain

According to the panel on the very fabulous BBC podcast, The Infinite Monkey Cage, The Brain, the brain is the most complex thing that we know of in all the universe. Nature drops the brain into the world half baked and lets the environment wire up the rest. Your local language, culture, …

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Empowering Customers on the Energy Challenge

The European Union (EU) has set an ambitious energy policy objective to achieve three main targets by 2030: A 40% cut in greenhouse gas emissions compared to 1990 levels, A 27% share of Renewable Energy Sources (RESs), and 27% energy savings compared with the business-as-usual scenario. Following the United States …

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Getting above the noise

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. The stacks are getting increasingly complex and expensive and still offer little hope in terms of hacks, leaving Facebook and Google as …

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Customer acquisition battles in banking

How established and challenger banks can meet customers’ soaring expectations Competition in the banking industry is cut-throat, more so than it has ever been. The rivalry doesn’t involve just established banks who’ve been in the business for tens or even hundreds of years. A flurry of challengers have popped up …

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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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Lifestyle Products

  Lacking glamour or any emotional pull, purchasing financial services is, for most, a dull necessity; the boring part of moving house or taking a holiday. Research shows that consumers feel a disconnection with the banking products they are being offered. In 2016, Facebook Inc. published a white paper which …

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Financial Literacy is Insufficient

Financial literacy is as old as finance itself. In 1737 Benjamin Franklin was 31and  wrote a column titled “Hints For Those That Would Be Rich.” He signed off with a bit of financial advice: “A penny saved is two pence clear.” Since then there has been no end to the financial literacy programs being rolled …

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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 …

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