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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.”

Customers buy experiences now, not products and services

Digitize offerings in order to change “one-to-many” to “one-to-one”
Banks spend a great deal to bring customers to the point of onboarding. Abandonment due to factors such as a poor digital application wastes precious resources.

Stop trashing marketing bucks

Without insight into digital sales, your marketing budget is going to waste
“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.

Revealing the faces of risk

Readily available tool can help your bank examine all facets
Most people who sell in online marketplaces have a key point in common: "Show me the money!"

Gigs: It’s all about getting paid

Ecommerce entrepreneurs will pick—and will leave—platforms based on speed and fees
Robo-services may be a heckuva a lot more appealing to your customers than you'd like to think. And a "Bank of Amazon" might just be prime, for them.

Robos, “Bank of GAFA,” and remaking your bank

Consumer comfort with non-human entities suggests more evolution in retail approach
If your bank is about to start a major tech project, read this preview of Anna Murray's coming new blog now.

5 greatest myths at start of tech rollouts

How many of these are you living in your bank right now?
S&P Global Market Intelligence, formerly S&P Capital IQ and SNL, is the premier provider of breaking news, financial data, and expert analysis on business sectors critical to the global economy. This article originally appeared on the SNL subscriber side of S&P Global's website.

Multifamily CRE still spells “opportunity” for some

As most lenders pull back from multifamily, others plow ahead
S&P Global Market Intelligence, formerly S&P Capital IQ and SNL, is the premier provider of breaking news, financial data, and expert analysis on business sectors critical to the global economy. This article originally appeared on the SNL subscriber side of S&P Global's website.

Higher values, larger mergers

M&A insiders look for bigger bank deals in '17
First of a series: Many bank incentive programs bear no connection to individual performance, according to Crowe Horwath’s most recent human resources survey. The survey also uncovered deficiencies in some basic HR practices.

Talent competition: missed opportunities as battle intensifies

Evolution in types of recruits banks seek plays a part
FASB's Current Expected Credit Losses rule will require banks to take a far forward-looking view at loans. A recent panel discussion covered key implementation issues.

CECL requires more than a tweak

Institutions need to devise implementation timeline now to revamp accounting
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