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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 [...]

Apple Pay, Samsung Pay:
Does being first matter?

Posted by on March 31, 2015 at 8:59 pm

Consulting firm First Annapolis recently posted a helpful, feature-for-feature chart comparing forthcoming Samsung Pay with Apple Pay. I won’t reproduce the entire chart here for two reasons. One is that you need only click here or on the image at right to view it on First Annapolis’s site. The other is that I have high [...]