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Innovation Strategies Archive

ATM 2.0: The Future of Self-Service

BBVA completely redesigned its ATMs from the ground up, pioneering what it calls the ATM of future.

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RBC Launches ‘myFinance Tracker’ PFM Platform

The number of banks and credit unions integrating branded personal financial management (PFM) platforms from providers like Mint and Jwaala have helped these startups become internet sensations almost overnight. Now RBC is…

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Santander’s HQ: High-Tech Wonderland with Robotic Butlers

It’s called Santander City. This sprawling corporate HQ for one of Europe’s biggest banks is a visually stunning concept integrating advanced robotics, interactive design and LED-based art murals. Santander City’s "El Faro"…

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9 Realities for Financial Innovators

Nine considerations every bank or credit union must read before adopting a “strategy of innovation.”

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Vantage CU’s Twitter 2.0 Banking Breakthrough

Every time you start to think the financial industry's fixation with Twitter may be easing, something completely new comes along and shakes things up. Like this stunner: TweetMyMoney, a new fully-proprietary innovation…

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5 Ideas to Fix the Ugly in Overdraft Fees

Overdraft fees are a prickly subject. Consumers complain about them constantly, and now more than ever, it seems they’re doing so with unregulated vehemence. On the other hand, financial institutions rely on…

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Kasasa: A Third-Party National Checking Brand

"Kasasa?" What is it? If Bancvue is right, it's the weapon smaller financial institutions need to successfully compete with big banks for demand-deposit accounts (DDAs) like checking and savings products. The firm…

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Time Capsule: ‘Bank of the Future’ From 1973

For as modern and progressive as the vision for this project was, it's interesting that they didn't foresee the advent of TV merchandising. These days, that text-cluttered sign would be on a…

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It’s 1905 and Banks Are Afraid of Advertising

"A bank running advertising? That's absurd!" As ridiculous as it may sound, there was indeed a time when banks were afraid of advertising. This article from 1905 suggests banks were actually prohibited…

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Robotic Safety Deposit Boxes

Has anyone actually seen this in action? It seems pretty cool. You access a secluded security room using an access card, PIN code or biometrics. Then once inside, you use your card…

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Automatic savings plan tied to auto loans

A coalition of Indiana CUs have developed an automatic savings product tied to auto loans called DriveUp Savings. With the account, you can contribute up to 10% of the amount of your…

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Wachovia Ties New Automatic Savings Product to Debits

Wachovia is making it easier to save money with an automatic savings system similar to Bank of America's "Keep the Change" program. Way2Save transfers $1 from a customer's Wachovia checking account into…

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Interactive financial ads you’ll get a kick out of (literally)

North Island Credit Union in San Diego has taken interactive advertising a step further. Two steps, actually. With your feet. This isn't your typical "interactive advertising" (as in the "online" kind). The…

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