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Time to change a bulb or two in the boardroom? Jeff Gerrish has suggestions on all facets of the succession process.

Time for boardroom change?

Recruitment’s fun. “Decruitment” not so much
“There’s really not much that indicates we’ve learned anything new over the last several cycles,” says veteran lender and CEO Ed O’Leary. He aims to fix that.

Any end to ethical lapses?

Bad press reflects, ultimately, on every bank. Accountability is the best solution
Ikea instructions typically lack words, relying on pictures instead. Is this you with an Ikea kit?

Lessons from Ikea about IT project management

Furniture assembly and technology bear more than passing similarity
Complete honesty in security answers may be missing the point, when answers to common questions can be easily found on the web.

Can websearch reveal your security answers?

It’s possible everyone can find your mother’s maiden name
Bank tech trends can make your head spin. So regularly longtime Tech Exchange Editor John Ginovsky does his best to “make sense of it all.”

Payments tech goes berserk

Prepaid cards; P2P; mobile wallets; social media; voice-activated buying; virtual reality—can anybody spare a dime?
With a nod to pop music, veteran John Byrne’s blog scans the anti-laundering and anti-terrorism world. John pierces silliness and inconsistency, and strongly believes in private-public partnership.

“Imagine”*

… if we could actually address an issue without bringing our baggage
The Unbanking Of America: How The New Middle Class Survives. By Lisa Servon. Houghton Mifflin Harcourt, 178pp.

Living in Pottersville

Book Review: Industry critique asks good questions, gives simplistic answers
A new generation will take financial services into the future. In the new blog "Next Voices," being previewed here, a rotating group of bloggers of the younger generation will share what they are learning, thinking about, and doing. Proposals from guest bloggers are also invited. Please email scocheo@sbpub.com

Inside a hackathon: 36 hours to build a financial app

A weekend’s work and $15 buys some lessons in fintech
Overdraft fee policy can follow two different strategies, according to Mike Moebs, "The Prairie Economist." Financial institutions have a choice of polar opposites—but he says they must do something.

Overdraft service demands a decision

Your pricing may be off. Here are thoughts on how to adjust it
One in three American banks opted for Sub S status. And a single shareholder's careless act can destroy that for all shareholders. Careful planning and administration can protect the deal.

Don’t let carelessness blow up your Sub S

A warning for Sub S banks
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