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Can Mint commit to not selling our data? I came across a post on the Consumerist entitled "Do You Mind If Mint Sells Data Based On Your Transactions?" To quote the article (and the linked Reuters post): Mint's CEO Aaron Patzer spoke at SXSW on Saturday and said that the company is sitting on a gold mine of customer data that it may or may not sell. Here's how Salmon paraphrases it in his blog post: “[Patzer] started talking about the rich value of all the store-level data he was sitting on. Is Mint willing to come out and commit to not selling our personal data? Links: The Consumerist post: The Reuters blog post: Mint.com May Begin Selling Access to Anonymous Consumer Data - B May 18 (Bloomberg) -- Mint Software Inc., an online service that helps consumers track every dime they spend, has a goal for its own pocketbook: boosting sales as much as 10-fold this year. To fuel revenue, the company may start charging for access to anonymous data, Chief Executive Officer Aaron Patzer said. The company’s site, Mint.com, monitors everything from bank balances and credit cards to 401(k)s. That could give valuable insight into consumer spending and the economy, he said. “If Mint has a record of everything people have spent in the past and the record of what they want to spend in the future, that’s a pretty damn good position to be in,” Patzer, 28, said in a May 6 interview. As consumers cope with the recession by cutting spending, new information could help Wall Street traders, ad agencies and buyout firms find pockets of growth. Bad Impression? Mint doesn’t store names or account numbers and wouldn’t share information about individual transactions, Patzer said.
ClairMail unveils mobile connectivity architecture ClairMail, the leader in mobile banking and payment solutions, today unveiled its Mobile Connectivity Architecture (MCA) as a platform to help Financial Institutions (FIs) future-proof their mobile delivery channel powered offerings. In practice, MCA enables FIs to realize the potential benefits of mobile financial services, while providing custom connectivity that easily deploys expanding initiatives across all internal businesses and channels as mobile services and strategies evolve. FIs are seeing the value of the mobile handset as a critical communications channel and are looking to deliver relevant mobile services to customers to empower them with more control over their personal finances. "Banks that give consumers mobile control over their banking will gain control of customer loyalty. ClairMail's new MCA allows mobile banking to become strategic across the FI and not just tactical.
Today | KillerStartups.com™ Facebook Privacy: A Bewildering Tangle of Options - Graphic - NY The Next Level in Business Intelligence by Bank Systems & Techno While the goals of business intelligence always have been to improve the value of customer relationships and thus the bank's bottom line, the ever-increasing competitive business environment in financial services is forcing banks to rethink their BI strategies. A new philosophy centered around enterprisewide use of BI tools -- coupled with advances in analytics and data management -- is helping banks make better and more-profitable business decisions. All the arrows point to the increasing priority placed on BI by financial services firms. As companies seek to enhance their decision-making capabilities for everything from underwriting to cross-selling to risk management, investment in BI-related technology is on the rise in banking -- according to TowerGroup (Needham, Mass.), spending on BI will reach $16 billion to $17 billion in 2006. To optimize their BI investments, however, banks have some work to do, experts agree. Other industry observers share Burton's point of view. Next
Banking Blog » Easy Does It An avid follower of the mobile banking/payments space, I’ve recently been struck by similarly-themed analogies about mobile payments, which are worth keeping in mind (especially by us industry analysts). To be more specific, for mobile payments to work anytime soon, they have to be easy. The first and perhaps most meaningful illustration of this point has been the phenomenon of text-based payments for the earthquake relief efforts in Haiti. Another argument for mobile payment simplicity, and a recognition that we aren’t there yet, came from an unlikely source — Fiserv, a major banking technology player with mobile offerings. The lesson from the Haitian experience is that consumers’ ability to use existing form factors and interfaces makes mobile payments incredibly easy, with rapidly-spiking adoption as a result. No comments yet.
Malaysian electronic payment system chooses IBM for mainframe up Subscribe / Unsubscribe Enewsletters | Login | Register Pencil Banner Closed-loop recycling system for uniforms launched in China Teijin, Onward and Fuji Xerox to launch this environment-friendly system Fortinet appoints sector heads to grow telco market share in Southeast Asia & Hong Kong Industry veterans Ng Hwee Boon and Chang Wai Leong tasked to lead business expansion in the managed security services provider (MSSP) and telco data centre spaces respectively HK policy address: IT pros urged more work on R&D, talent issues The IT sector in Hong Kong hopes for more government support behind tech R&D and talent cultivation, in response to the first policy address delivered by Chief Executive Leung Chun-ying yesterday. HK workers lack job satisfaction, demand bonus in 2014 Hong Kong employees are resolute in seeking a bonus (85%) and receiving a pay-raise (95%) in 2014, said recruitment service firm Randstad when releasing findings of its Randstad Workmonitor recently. What's in a name?
CRM analytics seeing investment Several years ago, US Bank wanted to improve its uplift modeling , an analytical method for finding the incremental impact of targeted marketing activities. "It's a very difficult modeling objective," said Jane When you register, you'll begin receiving targeted emails from my team of award-winning editorial writers on the latest customer relationship management (CRM) and call center technology issues today. Muelhapt, vice president of consumer direct for the Minneapolis-based bank. As an alternative, US Bank turned to Portrait Software, an analytics software vendor, for its Uplift Optimizer and saw some good results. US Bank, with about 30 people in its marketing department, quickly expanded the project to other direct marketing initiatives. "We started with the credit products and rolled the modeling out to the deposit side of the house, and we had a terrific year with the first year of uplift modeling," Muelhapt said. "Clearly, as you know, circumstance is everything," Rich said.
Banking Blog » How Big Is Mobile Banking’s App-etite? I have to admit, I have app-envy. Owning an old Windows 6.1 Motorola mobile phone, I look on with a certain longing at my friends, colleagues and fellow airplane passengers who enjoy endless, happy hours with their iPhone/Android/Blackberry “iBeer” apps. I am even more jealous of their mobile banking apps, which seem to me the coolest retail banking technology ever. But truthfully, I am beginning to get a bit dizzy contemplating the options that await once I finally trade in my current mobile device. There are about 6 versions of the iPhone OS (operating system), with a new one in betaSince April 2009, there have already been 3 versions of the Android OSThere are at least 30 versions of the Blackberry OS, more if you include those for the Canadian market — I stopped counting, but see for yourself.The Windows Mobile OS has been around for a while, but it’s probably safe to say that phones with 5 or 6 versions are still in useLet us not forget the Palm and BREW OS’
Press Release: Hong Kong and Indonesia launch a new cross-border Hong Kong and Indonesia launch a new cross-border payment-versus-payment link The Hong Kong Monetary Authority (HKMA) and Bank Indonesia jointly announced today (Monday) that the new cross-border payment-versus-payment (PvP) link between Hong Kong’s US Dollar real time gross settlement (RTGS) system and Indonesia’s Rupiah RTGS system has been launched on 25 January 2010. The link, which starts operation today, will eliminate settlement risk in foreign exchange transactions between the US Dollars and Indonesian Rupiah by ensuring the simultaneous delivery of US Dollars in Hong Kong and Rupiah in Indonesia. Banks in Indonesia can better manage their counterparty risks arising from the foreign exchange transactions and enhance their operational efficiency in settling those transactions during Asian hours. On 24 October 2008, the HKMA and Bank Indonesia signed a Memorandum of Understanding on the establishment of the PvP link. Mr S. For further enquiries, please contact:
To Anonymize or Not to Anonymize, That is the Questi I see a future in which organizations planning to transfer sensitive information from one system of record to some other destination will first ask themselves the question: "Can our data be shared in an anonymized form while achieving materially similar results had the data been transferred in clear text?" And if the answer to this question is "yes," I would then argue, "Why would that organization ever share that sensitive information any other way?" A new class of technology, "Analytics in the Anonymized Data Space", is making this possible. With this type of technology, information can be anonymized before being transferred between parties, while still permitting sophisticated analysis to be performed on the data even though the data is in a non-human-readable and irreversible form i.e., anonymized. I think this will become a best practice. Here is an anonymization scenario: To stay competitive, banks must understand their customers at least as well as their competition.
Banking Blog » Are Banks From Mars, Mobile Tech Vendors From Ven Since 2007, there has been exciting growth in the U.S. mobile banking sector. The number of FIs that have implemented mobile banking during the last 3 years continues to rise, and the number of mobile banking active users is one of the most promising adoption metrics in the banking industry. However, one area that has seen relatively little progress has been mobile banking functionality. By and large, mobile banking features today are not too different from mobile banking features first offered in 2007. Research backs this up. In other words, banks cannot always move as fast as vendors would like, and tension can ensue. Stayed tuned for my report, which offers a look at how this inter-industry “marriage” is playing out. No comments yet.