The Great Pandemic-Induced Delivery Channel Transformation of 2021

June 15, 2021 - 10 min read

2020 was the year of the great pivot.  Nearly every service industry pivoted from in-person service to something less personal, less interactive, and less direct.  Now that we are anticipating an expiration date on the pandemic, the pivoting continues for bank management.  This time, however, the pivot is how bankers are viewing their branch network. …

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April 1, 2021 - 3 min read

I am sure by now everyone in banking is aware of the almost unfathomable payment processing error that occurred at Citibank in August 2020. $900 million in loan payments were erroneously transferred out of the bank. If you would like to read the details of what occurred, the court documents provide the process, step by step. This year the…

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Vendor Contract Negotiations – A Trending Topic

February 25, 2021 - 3 min read

Since the beginning of this year, I have read three articles and viewed one video that have focused on negotiating technology agreements.  To say this topic is trending up is an understatement.  Even the ABA has published its recommendations Principles for Strong Bank-Core Provider Relationships and several related articles on this subject as part of…

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Survey Says!

October 20, 2020 - 5 min read

  Recently, two surveys have been published that have confirmed my suspicions that a significant portion of community bankers are not at all satisfied with their current technology vendors. I have been frequently engaged by clients who are not pleased with their current vendor and want a core vendor evaluation analysis performed. Because of these…

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Remind Me in 5 Years

July 15, 2020 - 7 min read

At a time when just the last four months seems like four years, it is almost unfathomable to consider where we will be five years from now.  Each month since February has had its own challenges.  Indeed, madness prevailed in March, although, unfortunately, not in basketball arenas.  Like every business concerning itself with how to…

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A Pandemic Planning Suggestion

March 16, 2020 - 1 min read

  This will be my shortest blog post ever.  But, one that may become very important. Do you have a clear understanding of your critical vendors’ (including core processing) escalation policies? If a situation arose and your institution requires assistance or other form of consideration from your vendors, do you know how to escalate that if your…

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Begin the Year Right

January 21, 2020 - 3 min read

In 2015, I was invited to write an article for the September/October issue of Western Banker on technology. The title of the article was “Managing Technology Service Provider Relationships”. I focused on the steps a financial institution should take to maximize its relationship with technology vendors, especially its core processing vendor. In that article, I…

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The Power of Your Peers

July 23, 2019 - 4 min read

  Today in business, peer group pressure exists, and many companies are using it to their advantage. Most eCommerce retailers have peer reviews on products and even a method to ask questions to past purchasers about a particular product.  There is Yelp that, for better or worse, provides customer reviews of services. and for me…

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Technology Contract Review: What You Don’t Know Can Be Costly.

February 6, 2019 - 3 min read

  “By failing to prepare, you are preparing to fail.” Benjamin Franklin. To say reviewing technology agreements (core processing and related agreements) is a large part of my job would be an understatement. Not only must I review all agreements at the beginning of any engagement I undertake (either a competitive vendor evaluation or a…

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Consider the Impact if Your Database was ‘Equifaxed’!

February 27, 2018 - 4 min read

My youngest son is a high school varsity basketball coach. Each year, before the season begins, he hears of certain areas that the state athletic association wants referees to focus on. These are referred to as ‘points of emphasis’. As a coach, he must learn about officiating updates. Some of these points of emphasis may…

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Just Another Risk Assessment, or a Critical Risk Assessment?

February 8, 2018 - 3 min read

Risk assessments are a valuable tool, if used to truly understand the threat environment associated with specific product lines. A good example of a meaningful risk assessment would be a “Corporate Account Takeover Risk Assessment” which, if performed properly, is used to determine the probability of a Corporate Account Takeover (CATO). If the risk is…

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Kicking Off the New Year with Resolutions and Best Practices

January 17, 2018 - 4 min read

According to Wikipedia, ancient Babylonians began each year by promising to return borrowed objects and repay their debts. Ancient Romans began the New Year by making promises to Janus, a two-faced god who represented beginnings and transitions. The month January is name for Janus. Neither the Babylonians nor the Romans had to deal with technology…

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