Kristin Moyer

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Archives for August, 2009


Five Days in School, and the First H1N1 Communication Arrives

by Kristin Moyer  |  August 28, 2009  |  Comments Off

My colleague, Rick DeLotto, has blogged about H1N1 quite a bit over the past few months (see here, here, here and here).  School is back in session in many places in North America – my kids started this week.  I asked Rick how long it would take for us to hear things about H1N1 in [...]

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Category: operations     Tags:

Lending Needs to Become More Buyer-Centric

by Kristin Moyer  |  August 28, 2009  |  3 Comments

I’ve seen the financial crisis make it tempting for banks to focus internally in order to reduce costs, deal with post-merger integration and other matters related to the financial crisis.  To be fair, an internal focus is not really that new, though – for example, the term “banker’s hours” has long been used to jokingly [...]

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Category: operations     Tags: ,

OFFICIAL projections on H1N1 for the US

by Kristin Moyer  |  August 27, 2009  |  3 Comments

Rick DeLotto here… I was surprised this morning to find how few knew about the August 7, 2009,  “REPORT TO THE PRESIDENT ON U.S. PREPARATIONS FOR 2009-H1N1 INFLUENZA” by  the President’s Council of Advisors on Science and Technology.  EVERYONE with responsilbity for business continuity should download and take a look at it.   http://www.whitehouse.gov/assets/documents/PCAST_H1N1_Report.pdf   [...]

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Category: Customer Executive Decisions operations payments     Tags: , , , , ,

Hype Cycle for Financial Services Payment Systems, 2009

by Kristin Moyer  |  August 25, 2009  |  1 Comment

Christophe Uzureau and Kristin Moyer here.  Our “Hype Cycle for Financial Services Payment Systems, 2009” is now published (and available to Gartner clients). Due to the current economic environment, there’s no shortage of pessimism, and it’s mostly for the right reasons. However, this doesn’t mean that banks should stop innovating and bringing new payment instruments [...]

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Category: payments     Tags: ,

In a Market with Low Credit Growth, Customer Trust in Lenders a Moot Point

by Kristin Moyer  |  August 24, 2009  |  1 Comment

A brilliant colleague of mine, David Furlonger, challenged my hypothesis that lenders should focus on rebuilding customer trust (see previous posts here, here and here).  Blasphemous?  Maybe not. His point is that in a market with low to no credit growth, customer trust is a moot point.  There are few alternate suppliers of credit in [...]

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Banks Must Start Looking at Innovation Through a Different Lens

by Kristin Moyer  |  August 21, 2009  |  2 Comments

Kristin Moyer and Alistair Newton here.  Last month we wrote that 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 – see here (source:  “Policy Responses to the Economic Crisis,” OECD, June 2009).  However, a downturn in expenditure on R&D does [...]

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Category: operations     Tags: ,

Technology-Oriented Partnership Examples in Banking

by Kristin Moyer  |  August 19, 2009  |  Comments Off

A few weeks ago I wrote that partnerships have become increasingly important in banking as a way to provide new types of products, services and rewards, and that I see three main types of partnerships emerging.  Here are some examples of each type of partnership: Marketing-oriented partnerships China Construction Bank is partnered with Alibaba and Alipay to issue [...]

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Category: operations Uncategorized     Tags:

Get Your Debit Card Ready

by Kristin Moyer  |  August 18, 2009  |  Comments Off

Kristin Moyer and Christophe Uzureau here.  Citigroup added annual fees to some of its credit card accounts last week.  Many more may follow suit in light of the Credit Card Accountability, Responsibility and Disclosure Act. We believe more transparency and education is necessary in the industry.  However, this reminds us of the Australian experience.  It is [...]

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Microfinance a Source of Creative Destruction

by Kristin Moyer  |  August 17, 2009  |  Comments Off

Is a credit crisis brewing in microfinance?  Perhaps in the for-profit microfinance sector, but don’t tell that to Grameen America. Grameen America just reached its 1,000th borrower in the US.  Grameen America makes loans, savings programs, credit establishment, and financial education available to women at or below the poverty line in the US.  Some key results: [...]

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Category: operations Uncategorized     Tags: , , ,

Lending is Ripe for Creative Destruction

by Kristin Moyer  |  August 14, 2009  |  1 Comment

Over the past few weeks I’ve written about low customer trust in lending, and why it matters.  The fact that customers who do not trust their bank are likely to seek another banking partner makes it more difficult to retain existing customers and attract new ones.  Banks can ill afford either of these things in the [...]

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Category: operations Uncategorized     Tags: , , , ,