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“Treat”: A Clinkle in Time

Posted by on July 31, 2015 at 11:28 pm

Whatever happened to Clinkle? You may recall not long ago when an app by the name of Clinkle was on the tip of every tongue in the payments industry. The brainchild of wunderkind Lucas Duplan, Clinkle looked to be a game changer. No longer. According to Forbes, the company is struggling, losing dollars and employees [...]

I don’t mean to brag.
Okay, maybe I mean to a little.

Posted by on June 30, 2015 at 4:00 pm

For some reason and for the third year in a row, Bank Innovation has shown no better judgment than to include me on its list of “2015 Innovators to Watch.” The 2015 refers to the year, not to the number of innovators, which is a good thing, because 2,015 innovators would have made for a [...]

It’s time to own the

Posted by on May 28, 2015 at 9:13 pm

Adapted from my upcoming Credit Union Magazine article   IT’S NO LONGER NEWS that payment relationships are a, if not the, wave of the financial services future.Experts have harped on the subject ad infinitum. People like me have harped on it, too. Part of the message seems to have gotten through loud and clear. Financial institution decision makers are [...]

Lemon juice and smart marketing

Posted by on May 13, 2015 at 4:04 pm

ONE DAY IN 1995, McArthur Wheeler took it upon himself to rob two Pittsburg banks. When policed arrested him a few hours later, he was astonished to learn that they had identified him from surveillance videos. You see, he taken the precaution of painting his face with lemon juice. Doubtless the science behind Wheeler’s reasoning [...]

Rewards ≠ Loyalty

Posted by on April 29, 2015 at 11:22 pm

Not quite interchangeable terms ONE FINE DAY in 1981, someone at American Airlines eyed the empty seats on many a flight and mused, “If we gave those seats to our most-frequent fliers, they’d be tickled and we’d be none the poorer.” Thus began what today are commonly called rewards programs. They range from American Express’s [...]