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New Opportunities with Prepaid Cards
August 2013 : OBR219
The traditional debit card, linked to a checking account, has become far less profitable due to government price controls and changing consumer behavior. Stepping into that void is the prepaid card or gift card. It’s a payment mechanism used by more than 80% of the country, yet it’s...[more]
Finovate Report: Q2 2013
July 2013 : OBR218
The Finovate Report is a quarterly summary of the activity of more than 500 alums worldwide. It also includes a summary of the sixth annual FinovateSpring which took place in San Francisco in mid-May.[more]
Crowdfund Investing Platforms (Debt/Equity)
May 2013 : OBR 216/217
We have been huge fans of peer-to-peer (P2P) finance (see OBR 127, 148/149). In theory, it makes sense to tap Internet efficiencies to match the buyers and sellers of money. On the other hand, there are good reasons to have highly regulated intermediaries, though that system is far...[more]
Finovate Report: Q1 2013
March 2013 : OBR215
The Finovate Report is a quarterly summary of the activity of nearly 500 alums worldwide. It also includes a summary of the third annual FinovateEurope which took place in London in mid-February.[more]
Digital & Mobile Wallets
February 2013 : OBR213/214
If you are financial institution trying to decide what to do about mobile wallets, this report was written for you. We look at the trends, market demand and major players. But more importantly, we look at precisely what financial institution can do today, no matter the size of...[more]
Online & Mobile Banking Forecast
January 2013 : OBR212
In this report, we look at online/mobile banking and bill pay usage in the United States, both past (back to 1994), present, and future (through 2022). Year-by-year projection are provided for the following online products and services: • Checking/deposit account access • Peer-to-peer (P2P) lending • Mobile access...[more]
The Best New Products from FinovateAsia 2012
November 2012 : OBR211
During the first week of November 2012, 350 fintech execs gathered in Singapore for the inaugural FinovateAsia. This report is a summary of what they learned.[more]
Digital Overdraft Protection
October 2012 : OBR210
Overdrafting checking accounts is a $30+ billion market in the United States, even before adding in the return-item fees and various merchant charges. But in the digital world, where you can reach your customers in real-time for pennies, it’s getting harder to justify $30+ fee for a negative...[more]
The Best New Products from FinovateFall 2012
September 2012 : OBR209
During the second week of September 2012, more than 1,000 fintech execs gathered in NYC for the sixth annual FinovateFall. This report is a summary of what they learned.[more]
2013 Guide to Online & Mobile Banking Products, Pricing & Strategy
August 2012 : OBR207/208
Our 18th annual Remote Banking Planning Guide is packed with more than 1,000 ideas, tactics, and tips you can use to improve the effectiveness and profitability of your online initiatives. The information is organized by product within the two major retail banking segments: consumers and small/microbusinesses. To help...[more]
Personal Financial Management 4.0
June 2012 : OBR205/206
While personal financial management (PFM) is THE most important part of online/mobile banking going forward, it's time to stop thinking of it as ""product."" PFM is part of every single thing you do when communicating account info to customers. The paper statement is a PFM tool. The call...[more]
The Best New Products from FinovateSpring 2012
May 2012 : OBR204
During the second week of May,1,200 fintech execs gathered in San Francisco for the fifth annual FinovateSpring. This report is a summary of what they learned.[more]