Kristin Moyer

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Archives for December, 2008


Happy Holidays!

by Kristin Moyer  |  December 23, 2008  |  Comments Off

Happy holidays to our fellow bloggers, clients and readers.  The Industry Advisory Services/Financial Services blogging team will be on holiday for the next couple of weeks.  We’ll be back with new thoughts and ideas the week of January 5th. In the meantime, for those of you who celebrate Christmas and/or New Years over the next […]

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Redefining Customer Relationships in Banking

by Kristin Moyer  |  December 22, 2008  |  Comments Off

The financial crisis is putting a strain on nearly everything, especially customer relationships.  In this environment, customer relationships need to be redefined for both banks and the vendors that serve them. Banks need to be more focused on supporting their customers through the financial crisis.  This needs to start with looking at the customer from […]

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Migration to Debit, but Maybe Not Cash

by Kristin Moyer  |  December 19, 2008  |  Comments Off

I spent most of this past week with CEOs and CTOs from some of the largest electronic payment providers in the world.  I asked them what they’re seeing with transactions in the midst of the financial crisis. Nearly all of them are seeing a dramatic move away from credit cards to debit cards.  This comes […]

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What’s New in Payments in 2009

by Kristin Moyer  |  December 18, 2008  |  Comments Off

Kristin Moyer, Christophe Uzureau and Alistair Newton here.  Compliance requirements and the financial crisis are moving payment operations into the spotlight. This is creating an opportunity to make payments more strategic and to become a higher-priority technology investment. Here are five things that will be new in payments in 2009: Card at the center of […]

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At Last – Looking at the Customer from Their Point of View

by Kristin Moyer  |  December 15, 2008  |  Comments Off

Stessa Cohen and Kristin Moyer here.  Wells Fargo announced that it is launching an online loan-consolidation repayment program in combination with a savings tool:  the Wells Fargo Debt Pay Down Solution.  This solution will let customers consolidate debt through a person loan.  It includes “My Spending Report,” a tool that will let customers see their […]

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Wake Up Call to the Hazards of “Cutting too Far to the Bone”

by Kristin Moyer  |  December 11, 2008  |  Comments Off

Kristin Moyer and Alistair Newton here.  Homeowner refinancing spiked last week.  A Treasury plan is rumored that would buy mortgage-backed securities at yields that would produce a 4.5% interest rate for homebuyers. Prior to the financial crisis, banks were investing in loan origination.  Of particular interest was automating processes and going “paperless.”  Since then, many […]

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If Banks Won’t Play Ball, Just Give the Ball to Someone Else…(Like P2P Networks)

by Kristin Moyer  |  December 9, 2008  |  Comments Off

Alistair Newton here. We are watching governments across the world pouring ever growing amounts of their shrinking funds into their global and domestic banking groups, to support their very existence and keep the lifeblood of the freemarket economies flowing. However, many banks have simply taken this funding and regressed to short-term survival mode – little […]

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Magstripe Reigns, Even at Disney World

by Kristin Moyer  |  December 8, 2008  |  Comments Off

I’m just getting back from a family trip to Disney World.  For how high tech all the rides are, I was surprised to see magstripe everywhere I went.  Granted, we didn’t go everywhere or to every park – so maybe I missed something more high tech in the world of payments at Disney.  But if […]

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Recession and Job Cuts – Will innovation be the price?

by Kristin Moyer  |  December 5, 2008  |  Comments Off

If you’re in Asia, the Middle East, or London, It’s already the weekend. Here in Philadelphia, it’s not far off…. The latest numbers on financial services jobs are grim for those who still have one and devastating for those who no longer do. Reuters reported over 50,000 jobs lost this week and 150,000 since September. […]

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World Economic Forum: Financial Services Tech Pioneers are in Social Networking and Mobile

by Kristin Moyer  |  December 4, 2008  |  2 Comments

The World Economic Forum held in Davos, Switzerland announced 34 Technology Pioneers today. The WEF defines a “technology pioneer”: To be selected as a Technology Pioneer, a company must be involved in the development of life-changing technology innovation and have potential for long-term impact on business and society. In addition, it must demonstrate visionary leadership, […]

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