Kristin Moyer

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Archives for July, 2009


Hype Cycle Distribution Reveals Complexity and Lack of Innovation from the Vendor Community

by Kristin Moyer  |  July 29, 2009  |  Comments Off

In a previous post I wrote that banks need to stop missing opportunities to innovate.  The market will improve, and those firms that transform their operations first will be in positions to take advantage of new market opportunities as they emerge in ways that slower movers will not be able to do. Our “Hype Cycle [...]

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Category: operations Uncategorized     Tags:

Hype Cycle for Banking and Investment Services Operational Technologies, 2009

by Kristin Moyer  |  July 29, 2009  |  Comments Off

Our “Hype Cycle for Banking and Investment Services Operational Technologies, 2009“ is now published.  Gartner defines operations technologies in banking as technologies that are not customer facing yet support critical, core functions within a banking and investment services firm. The 2009 Hype Cycle for operations includes emerging technologies that banking and investment firms should evaluate to [...]

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Category: operations Uncategorized     Tags: , , , , ,

Why Innovation Matters in Banking – Now More Than Ever

by Kristin Moyer  |  July 29, 2009  |  3 Comments

R&D expenditure and patent filings have tended to follow GDP and slowed significantly during the early 1990s and early 2000s with other market downturns (source:  “Policy Responses to the Economic Crisis,” OECD, June 2009).  The same thing is occurring in the current market crisis, with total R&D investment down 60% year-over-year in Q1 2009 in [...]

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What’s Your Next Bold Move?

by Kristin Moyer  |  July 28, 2009  |  Comments Off

Stessa Cohen and Rick De Lotto here. Forgive the allusion to Ani Difranco, but when If more than half of your customer base doesn’t trust you, make a bold move to gain confidence.  Some recent figures from Ramussen Reports paint a bleak, and rapidly deteriorating, state of trust for banking in the US. Back in [...]

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Category: Customer     Tags: , ,

Retail Payments Portfolio Management

by Kristin Moyer  |  July 27, 2009  |  Comments Off

Our clients often ask, “What’s hot when it comes to new technology?”  In lending, we’ve discussed the emergence of loan portfolio management.  Retail payments portfolio management is also an emerging technology – so emerging that there are few solutions today that support it. Retail payments portfolio management solutions are applications that provide analytics and modeling [...]

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Category: payments     Tags:

Three Types of Technology-Oriented Partnerships in Banking

by Kristin Moyer  |  July 27, 2009  |  Comments Off

Last week I wrote that partnerships are becoming more important in banking.  I see three main types of technology-oriented partnerships that have been emerging in banking lately: Distribution channel-oriented partnerships – providing products and services through a third party partner as a new deliver channel (example – China Construction Bank is partnered with Alibaba and [...]

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Category: operations Uncategorized     Tags: , , , , ,

Partnerships are Becoming More Important in Banking

by Kristin Moyer  |  July 24, 2009  |  2 Comments

Partnerships have become increasingly important in banking as a means to provide new types of products, services and rewards.  Yet, banks have largely been hesitant to participate in partnerships for a number of reasons – loss of customer control, a tendency to view non-banks as competitors in many cases and a desire to promote traditional [...]

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Using Customer Segmentation as the Starting Point

by Kristin Moyer  |  July 20, 2009  |  1 Comment

All too often, banks make products that are focused on a blanket of perceived customer needs.  We have talked about the importance of segmentation in many different topic areas over the past couple of years, a few examples being: Prepaid Social media FSNs Architecture that can support segmentation A product announcement last week related to [...]

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Category: Customer Uncategorized     Tags:

Rebuilding Customer Trust in Lending

by Kristin Moyer  |  July 16, 2009  |  5 Comments

Whenever you hit rock bottom, it’s a long way back up.  We’ve known that the image of banking and investment services firms has been badly tarnished by the financial crisis.  A Harris Poll shows that the image of mortgage companies is far worse.  Here are the numbers (source:  “Only One-Quarter of Americans Say Banks are [...]

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Category: operations Uncategorized     Tags: ,

The Emergence of Loan Portfolio Management

by Kristin Moyer  |  July 15, 2009  |  2 Comments

Loan portfolio management is an emerging technology solution that provides analytics, modeling and optimization – ideally (though not yet) across lending instruments (mortgage, HELOC, syndicated loan).  Loan portfolio management leverages not only borrower attributes, but also macro-economic factors such as real estate attributes by geography, unemployment data, projected interest rates and other factors.  Loan portfolio management executes analyses at both the portfolio [...]

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Category: operations Uncategorized     Tags: ,