Checking Switch Point: Reform or Renewal?
To Solve the Checking Problem, Solve the Household Cash Management Problem
May 2010
To successfully reposition checking and household financial services, banks should look beyond products and fees to solve the customer cash management challenge.
Checking Evolution: Welcome to the Cash Management Account
6th April 2010
Monthly finances are out of control at many households. In turn, cash management must be the frame of reference in repositioning checking and household financial services.
Hidden Life of Overdrafters
6th April 2010
Changing laws and regulations notwithstanding, many checking customers will continue to look to banks for help in dealing with account overdraft incidents.
Rebooting the Checking Operating Model
6th April 2010
Facing a sharply reduced revenue cushion to compensate for losses, banks will need to be much more selective about how they operate critical aspects of the checking business.
Reg E: Turning the Tide on Opt-in Requirements
December 2009
Banks can substantially mitigate Reg E’s potential impact on customers and fee revenues.
Checking: Rebuilding the Business Model in a Fee-constrained World
December 2009
As overdraft fees recede, so too must the subsidy of free checking accounts. How can banks restructure checking for broad-based account profitability and customer appeal?
The Financial Column — The Demise of Free Checking
23rd August 2009
Hank Israel, a Director at Novantas LLC, spoke on the syndicated radio program, “The CEO Show” with host Robert Reiss about the new economics affecting the current status of checking accounts for consumers and the banks that manage them. …
Checking 2.0: Rewriting the Contract with Customers
June 2009
As headwinds buffet the checking business, the time has come to develop a more sustainable business model that does not depend on penalty fees levied on a small subset of accounts.
Webinar
Bankerstuff — Building Blocks of Risk Management in the Post Credit Crisis Era
April 2010
Coming out of the credit crisis, most banks are rethinking their credit risk management and mitigation capabilities. This extends from the basic building block of credit analytics to managing the full customer lifecycle.
Commentary
Novantas Viewpoint Series — Asset Allocation: Striking a New Balance between Risk and Reward
April 2010
Progressive bankers are taking a much more comprehensive view of asset diversification, with emphasis on pragmatic insights that can be harnessed to support healthy growth.
Novantas Viewpoint Series — Speech Analytics: The New Frontier of Call Center Performance Improvement
March 2010
Traditional staff performance measures won’t do at a time when call centers are hungry for measurable improvements in sales, service and customer retention.
CNBC — Commercial Realty Lending: Gloom but Not Doom
January 2010
There’s more pain in store for commercial real estate lending, but a full-blown replay of the residential lending crisis isn’t likely.
Podcast
Novantas Podcast Series — Update on UK Elections: Expected Effect on World Financial Sectors
May 2010
Following a most unusual outcome for the UK election, Cicero’s Iain Anderson explains the likely effects the new coalition government will have on the financial sector.
Novantas Podcast Series — A New Political Landscape: After the 2010 UK General Election
April 2010
With the closest UK General Election in decades fast approaching, Novantas hosted a British American Business affiliated discussion on the likely outcome and what it may mean for financial markets in the US, UK and EU.
Feature Report
American Banker — Catch-Up Game in Shadow Retirement Market
March 2010
U.S. households increasingly are making retirement investment decisions on their own, often placing nest-egg balances in different types of accounts at multiple institutions. And a huge chunk of that money has gone into everyday banking products.
Bank Investment Consultant — Banking Strategies for the “Shadow” Retirement Market
February 2010
In a growing self-directed market, households have parked trillions of retirement dollars in everyday banking products. How can banks expand their role with these customers?
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