Kristin Moyer

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Entries Tagged as 'innovation'


Euro Crisis: 50% of Firms Stuck Behind the Planning Eight Ball

by Kristin Moyer  |  January 20, 2012  |  2 Comments

Contributed by David Furlonger Today we conducted our Euro Crisis Webinar. 416 participants were surveyed about: Whether their enterprise had plans in place to deal with a worsened euro crisis Whether the euro crisis has impacted their IT budget Whether the euro crisis would influence investments in innovation Results of the polling revealed that 50% […]

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Euro Crisis:Get Ready for More Regulation and Protectionism.

by Kristin Moyer  |  January 10, 2012  |  Comments Off

Contributed by David Furlonger   [ Register Now For January 19th webinar: Euro Crisis Webinar ] An interesting article appeared on Reuters yesterday: Financial repression is here and may be helpful. It discusses and supports the potential for greater control over the financial markets by governments, including a continuation of the current schemes that print more money […]

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Euro Crisis: What is the Connection between Hypothecation and the Future of Money?

by Kristin Moyer  |  December 20, 2011  |  Comments Off

Contributed by David Furlonger On the weekend, I read a rather alarming commentary by David Stockman European Banking System is on the Verge of Collapse. While this analysis clearly highlights the fragility of bank balance sheets, it doesn’t dig deeply into the graver issue facing the Eurozone policy makers and indeed the world –  that […]

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Can Europe Innovate Out of a Crisis?

by Kristin Moyer  |  December 13, 2011  |  1 Comment

Contributed by David Furlonger Commentators suggest over half of the companies on the 2009 Fortune 500 list began during a recession or bear market. Does this offer hope to a European market saddled with an on-going crisis and likely poor economic growth, if not recession, for several years to come? The new European Programme for […]

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Four Lending Innovations in Action

by Kristin Moyer  |  September 18, 2009  |  5 Comments

Virgin Money has put four lending innovations into action with the Virgin Money Lender Blender for student lending: Product design – The borrower indicates who they are (parent, student, friend/family member) where the university is located (for example, state level in the US), which university the student will attend (a drop down list is provided […]

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Category: operations     Tags: ,

“My Lender”

by Kristin Moyer  |  September 16, 2009  |  2 Comments

We’ve had some client interactions with C-level banking executives and others lately that have shown that many banks are so focused on operations and products that they do not understand who their customers are or what their customers really want.  While many other industries have become more buyer-centric (for example, travel, e-commerce), banking has not. […]

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Category: Customer Uncategorized     Tags: , ,

Customers as Co-Creators of Innovation – in Banking?

by Kristin Moyer  |  September 15, 2009  |  5 Comments

Giving trust away to customers and employees can inspire trust, loyalty and innovation.   Consider several cross-industry examples of giving trust away to get it back (sources:  “HOW: Why HOW We Do Anything Means Everything…in Business (and in Life)”, Seidman, 2007; JetBlue): A doughnut vendor in New York City puts a pile of coins on his […]

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Category: operations Uncategorized     Tags:

Lending Product Gallery

by Kristin Moyer  |  September 8, 2009  |  1 Comment

One way to become more buyer-centric in lending (see here and here) is to create a lending product gallery that lets customers rate products. Letting customers rate products is not a new idea.  For example, Amazon.com lets customers rate books, music and other products and provide a review of the product for other customers to […]

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Category: operations Uncategorized     Tags: ,

Why Buyer-Centricity is Extra Important in Lending

by Kristin Moyer  |  September 4, 2009  |  Comments Off

Last week I wrote that lending needs to become more buyer-centric (see here).  This is really true across banking operations.  While many other industries have had to become more buyer-centric (for example, the travel and broader retailing industries), traditional banking has not made significant progress in this area. Is there a case that buyer-centricity is […]

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Category: operations     Tags: , ,

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: ,