Retail consumer experience

Can an ATM make you “Super Rich?”

Can an ATM make you “Super Rich?”

In recent months, there have been a number of ATM-based viral videos being used by companies for marketing and promotional purposes.  In each instance the theme of withdrawing cash and rewarding the consumer is used.  The [...]

The Customer experience: forgotten key to good relationships

The Customer experience: forgotten key to good relationships

Every customer wants to know that they’re getting value for money and a good service. But for financial services companies, that often means giving customers more than can be achieved through technology alone. It isn’t just [...]

The payday dance at the ATM

The payday dance at the ATM

A month ago a Canadian bank’s marketing campaign on the gifting ATM went viral.  It now has over eleven million views.  In the last few days, you may have seen another example of an ATM themed [...]

ATMs: the key to serving the underbanked?

ATMs: the key to serving the underbanked?

When banks have been a feature of our lives for centuries in many countries, it might be surprising that there is still a huge population with little or no relationship with them. The unbanked and underbanked populations of many regions [...]

Who uses the branch?

Who uses the branch?

For all the new digital services being launched by banks, the branch is still very much alive and well. But younger customers who have grown up surrounded by a new wave of technology have long been [...]

What does a negative deposit rate mean for banks?

What does a negative deposit rate mean for banks?

Cash management is a complex equation for banks, not least because of the changing regulatory environment since the financial crisis. One thing that’s been steady throughout has been low interest rates. Recently however we’ve seen the [...]