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Digital Banking Report (formerly Online Banking Report) - All Access Digital Banking Report (formerly Online Banking Report) - All Access
With a legacy of over 20 years, the Digital Banking Report (DBR) is a leading source of unbiased guidance for bank and credit union product managers, marketers, and C-level executives looking to improve their digital, online and mobile products and services. Published by Jim Marous, a former banker with more than 30 years of banking industry experience, the Digital Banking Report covers the most important digital trends in depth, with strategies and tactics that can be implemented immediately.  >>> more
Latest Digital Banking Report - Issue DBR 242

Latest Digital Banking Report - The Power of Personalization in Banking
Published: Mar. 28, 2016: DBR 242
The goal of most financial institutions is to deliver a personalized digital experience that helps consumers improve how they manage their day-to-day financial lives. By doing so, banks and credit unions can elevate the level of customer engagement, reduce costs, increase cross sales, and drive higher customer satisfaction and loyalty.

But how do consumers feel about highly personalized messages and offers? And, how well are financial institutions responding to the potential of delivering on these expectations?

For the first time ever, in conjunction with global...>>> more

Issue DBR 241

2016 State of Financial Marketing
Published: Feb. 22, 2016: DBR 241
Now in its fifth year, the "State of Marketing in Retail Banking" study, fielded by The Financial Brand, sponsored by Deluxe, and analyzed and published by the Digital Banking Report, has found that while bank and credit union marketers know the challenges and opportunities of today's marketplace, there continues to be a product (rather than consumer) focus and the movement to digital communications is occurring at a snail's pace.

Building on a reputation as the leading benchmark for changes in the retail banking industry, the 2016 Financial Marketing Trends Report has found that...>>> more

Issue DBR 239/240

2016 Retail Banking Trends & Predictions
Published: Jan. 14, 2016: DBR 239/240
More than ever before, all of the banking industry's constituencies are being impacted by the transformation of the banking industry. The category that has the most to gain from the changes expected in 2016 will be the consumer. They are not only in the driver's seat with regards to being able to voice their digital banking expectations, but there are more firms than ever trying to meet those expectations.
As banking organization further digitize their offerings, the consumer will benefit. In 2016, we will see end-to-end digital account opening and onboarding solutions, contextual offers,...>>> more

Issue DBR 238

Mobile Wallets
Published: Oct. 29, 2015: DBR 238

Since Apple launched its mobile wallet capabilities alongside the iPhone 6 last year, the mobile wallet has served as a battleground between banks, tech companies such as Google and Samsung and retailers, with each trying to gain and retain customer loyalty. The ability to provide a great user experience is why technology providers have superseded bank offerings that usually focus entirely on the payment functionality. Early indications are that consumers will adopt technology only if it provides value by being seamless, easy to use and contextual.

Moving from physical to mobile...>>> more

Issue DBR 237

Digital Account Opening
Published: Aug. 18, 2015: DBR 237

Where there was once delineation between banking processes that a consumer could do from the comfort of their home or with the convenience of a smartphone and those that were done in a branch office, the use of digital functionality has finally become universal. No place is this more apparent than with the new account opening process, where features such as the camera phone OCR have improved both the mobile and branch account opening experience.

With 70% of likely checking account applicants saying they would prefer to submit a digital application in 2015, it is clear that using digital...>>> more

Issue DBR 236

Customer Service in the Digital Age
Published: Aug. 2, 2015: DBR 236

A customer service revolution is occurring in financial services. It’s dynamic, overarching, and being driven by consumers who are embracing digital and mobile channels as never before. The digital age is changing the way consumers research, shop and buy products and services and how they share their experiences after purchase.

As a result of this transformation, there has never been a time when customer service and the overarching customer experience has been as important as it is today. The rise of digital channels, digital communication, social media, social networks and word-of-mouth...>>> more

Issue DBR 235

Guide to Multichannel Marketing
Published: Jun. 21, 2015: DBR 235

Guide to Multichannel Marketing provides an overview of how banks and credit unions can better integrate digital marketing tools as part of their marketing efforts. With this report, financial marketers will be able to reduce marketing costs while improving overall marketing effectiveness.

Marketers are facing a fragmented media landscape where the sheer number of channels available to the consumer has increased multifold. The banking consumer's greater reliance on digital devices and the arrival of less expensive and more effective digital marketing options has signaled the...>>> more

Issue DBR 233/234

Bricks+Clicks: Building the Digital Branch
Published: Mar. 16, 2015: DBR 233/234

Bricks + Clicks: Building the Digital Branch is the definitive guide to how banks and credit unions worldwide are transforming their distribution network to reflect the realities of a digital marketplace.

As was the case with ATMs decades ago, consumers want the convenience of new technologies, combined with the assurance of a local branch. Despite this affinity for branches, the economics of yesterday’s branch network don’t work. The number of branches as well as the size and function of remaining branches must reflect today’s realities. ...>>> more

Issue DBR 230/231

Strategic Planning Imperative: Capitalizing on Digital's Promise
Published: Dec. 13, 2014: DBR 230/231

Financial institutions around the world are exploring ways to respond to the needs of a changing consumer universe that is more mobile, more digitally adept and more demanding. In an effort to overcome legacy processes and technologies, banks and credit unions are converting to a more digital business model.

Digital banking is more than getting customers to use online or mobile banking or adding on to existing products – it is a way to run an entire organization. This new model touches product development, distribution, front and back-office operations, marketing communication, customer...>>> more

Issue DBR 229

Guide to Multichannel Onboarding in Banking
Published: Aug. 26, 2014: DBR 229

New customer onboarding is one of the most effective sales strategies for banks and credit unions wanting to improve engagement, share of wallet, retention and ultimately the value of a relationship. The onboarding process begins before the new account is even opened and continues for anywhere between 90 and 180 days. By communicating with the customer early and often after they open their account using various media that leverages insight collected at new account opening and thereafter, you are more likely to foster a positive customer experience, differentiating your institution and building...>>> more

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