John Ginovsky
John Ginovsky is a journalist with extensive experience in a wide variety of writing styles, including news, speech, commentary and feature stories. His specialties are in banking industry trends and banking technology updates. Although he is a freelancer for The Financial Brand and other various publications, John spent nearly twenty years as a full-time writer at the American Bankers Association.
Articles written by John Ginovsky
Bill Pay: How to Revive Digital Banking’s Neglected Product
Online bill payments are rising. Banks and credit unions should make this service — which drives loyalty — central to customer interactions.
Timely Advice Beats a Rate-Only Mortgage Lending Strategy
Higher rates have commoditized mortgages more than before. To stand out, lenders must provide guidance to borrowers early in home shopping.
Banks Embrace ‘Earned Wage Access’ Pay Trend to Bolster Relationships
Citizens Bank, PNC and U.S. Bank all see fast-growing ‘on-demand pay’ appealing to gig workers, Millennials and hourly employees.
Open Banking: Catalyst for Banking’s Future Growth
Traditional banking institutions can expand offerings for consumers and find more profit by sharing data with fintechs and other partners.
The Shift to Cloud Technology in Banking Accelerates
Once considered highly unlikely, core computing in the cloud is now a reality and growing. Banks must develop strategies to embrace the trend.
2 in 5 Consumers Predict the Bank of the Future Will Be a Tech Company
New study also finds a quarter of Millennials already regard a tech/fintech company (e.g. Apple, Venmo) as their primary financial provider.
