consumer-finance

Are Your Bank's Branches Billboards or Backdrops?

01/02/13

If customers are more likely to find you through an Internet search than by noting your actual existence along their commutes, well, good luck with that.

[more]

'Uncertainty Is Killing Our Bank!' No, Inaction Is

12/31/12

Bankers say their decisions and progress are retarded by uncertainty about pending government actions. That's nonsense. Seldom has the future been as clear as it is today.

[more]

What to Call Fees for FDIC Insurance, if Not 'FDIC Fees'?

12/28/12

"Deposit fee" is one of the more popular terms being used in new naming conventions, while some banks are scrapping their fees altogether.

[more]

What If CRO Meant 'Chief Revenue Officer'?

12/26/12

Sustainable growth requires banks to increase revenue steadily. We've seen we can't achieve this just by raising prices and by charging for what used to be free.

[more]

How Do We Fix Our Housing Finance System? Part II: Rethinking Government's Role, Starting with FHA's

12/24/12

The FHA in its current form could not handle an emergency backstop role but would have a much better chance if moved out of HUD and combined with Ginnie Mae and the remnants of Fannie and Freddie.

[more]

Why Private-Label Credit Cards Have Defied the Doomsayers

12/21/12

Private label credit card is the least expensive method of payment stores can accept. For that reason alone, it makes fundamental sense for every retailer to carry a program if feasible.

[more]

Pew's Study Uses 'Right Approach' to Arbitration Issue

12/18/12

Its purpose was to study what consumers know about dispute resolution clauses. This is particularly important because most checking accountholders are covered by these clauses and may not be aware of them.

[more]

How Do We Fix Our Housing Finance System? Part I: An Overview

12/17/12

The role of the federal government in housing is the first question that needs to be answered, putting aside political rhetoric and preconceived notions about the subject.

[more]

What Marketing Execs Blame for Banks' Bad Reps

12/14/12

Capital and liquidity challenges, subprime mortgages and bad financial performance hurt reputation over the last year. But many executives agree their companies' management of the financial crisis had the biggest negative impact on their public image.

[more]

Integrating Mobile and Branch Banking Will Increase Customer Loyalty

12/12/12

If U.S. banks can decrease costs in routine transactions, they will be able to serve mass segments more profitably and invest disproportionately in high-margin services for the affluent.

[more]