More Than a Bank PDF Download

Author: Inter-American Development Bank
Publisher: IDB
ISBN: 9788460719250
Category : Business & Economics
Languages : en
Pages : 262

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Author: Ron Shevlin
Publisher:
ISBN: 9781907720826
Category : Business & Economics
Languages : en
Pages : 294

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Book Description
With Smarter Bank, Ron Shevlin provides a no-nonsense framework to address broad issues impacting banking's rapidly changing business model. Ron approaches important topics like innovation, big data, engagement, and the migration to money management very directly and with a critical eye for the data behind his statements. He then rewards the reader with deeper context, humor and his iconic snarky point of view. This is a book that you'll refer to time and time again and it's one that will ultimately have impact on your bank's strategy and bottom line. Bradley Leimer, Head of Innovation, Santander, N.A. Ron Shevlin is famous for his snarky sense of humor, as well as his well-researched, well-considered takes on banking and customer behavior.Smarter Bank is a smart book. If you are in banking, you should read it, and you will definitely come away smarter and better informed. Banks that don't follow his advice are dinosaurs and will definitely be left behind, and will most probably go out of business. Brett King, Author of Breaking Banks and Founder of Moven www.brettking.com Searching Finance is delighted to announce the publication of Smarter Bank by Ron Shevlin, author of the popular marketing and financial services blog, Snarketing. The goal of the book is simple: Help banks and credit unions become more profitable, react to and benefit from emerging technological disruptions, and regain consumer trust. At the moment, the banking industry is actually fairly profitable. But respectable? Not quite. Profitable and respectable need not be mutually exclusive. In short, it's about how to become a "smarter" bank. Smarter about developing customer trust and relationships, smarter about understanding consumers' needs and wants, smarter about using technology, smarter about marketing products and services-and smarter about making money. Table of Contents Foreword by Brett King Introduction Part One: Banking's Biggest Problem Chapter One: What's The Problem In Banking? Humor Break: Bank Mergers I'd Like to See Chapter Two: The Innovation Question Chapter Three: The New Competitive Dynamic Humor Break: Bank Slogans We'd Like to See Part Two: Speed Bumps On the Road To The Future Chapter Four: Do You Trust Me? Humor Break: Songs For the Citi Chapter Five: Overcoming The Customer Engagement Hurdle Chapter Six: Pruning The Branches Humor Break: The Branch of the Future Part Three: The New Consumers Chapter Seven: Debunking The Myths About Gen Y Humor Break: Redefining The Generations Chapter Eight: The Real Underserved Market: Gen WHY Chapter Nine: Moms: The Real Decision-Makers Humor Break: Women are People Too (Who Knew?) Chapter Ten: The Rise of the Smartphonatics Humor Break: Financial Diseases Chapter Eleven: The Unbanked, Debanked, and NeoBanks Humor Break: Dear Dick Durbin Part Four: The New Technologies Chapter Twelve: The Unfulfilled Promise of PFM Humor Break: What Would You Name Your New Bank? Chapter Thirteen: The Social Media Mirage Humor Break: Simplified Guide To Social Media Decision-Making Chapter Fourteen: Big Data Delusions Chapter Fifteen: The Mobile Wallet Opportunity Chapter Sixteen: The Mobile Finance Apps Opportunity Part Five: The New Marketing Chapter Seventeen: Mobile Payments: The Fifth P of Marketing Chapter Eighteen: The New Bank Marketing Afterword: From Money Movement to Money Management Acknowledgements References

Author: Mehrsa Baradaran
Publisher: Harvard University Press
ISBN: 0674982304
Category : Business & Economics
Languages : en
Pages : 382

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“Read this book. It explains so much about the moment...Beautiful, heartbreaking work.” —Ta-Nehisi Coates “A deep accounting of how America got to a point where a median white family has 13 times more wealth than the median black family.” —The Atlantic “Extraordinary...Baradaran focuses on a part of the American story that’s often ignored: the way African Americans were locked out of the financial engines that create wealth in America.” —Ezra Klein When the Emancipation Proclamation was signed in 1863, the black community owned less than 1 percent of the total wealth in America. More than 150 years later, that number has barely budged. The Color of Money seeks to explain the stubborn persistence of this racial wealth gap by focusing on the generators of wealth in the black community: black banks. With the civil rights movement in full swing, President Nixon promoted “black capitalism,” a plan to support black banks and minority-owned businesses. But the catch-22 of black banking is that the very institutions needed to help communities escape the deep poverty caused by discrimination and segregation inevitably became victims of that same poverty. In this timely and eye-opening account, Baradaran challenges the long-standing belief that black communities could ever really hope to accumulate wealth in a segregated economy. “Black capitalism has not improved the economic lives of black people, and Baradaran deftly explains the reasons why.” —Los Angeles Review of Books “A must read for anyone interested in closing America’s racial wealth gap.” —Black Perspectives

Author: Tim Todd
Publisher:
ISBN: 9780974480978
Category : African American banks
Languages : en
Pages : 158

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Generally, books addressing the early history of African American banks have done so either within the larger construct of African American business history and economic development, or as a starting point to explore current issues related to financial services. Focused considerations of these early institutions and their founders have been relatively rare and somewhat scattered. This publication seeks to address this issue.

Author: Asli Demirguc-Kunt
Publisher: World Bank Publications
ISBN: 1464812683
Category : Business & Economics
Languages : en
Pages : 228

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In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.

Author: Mehrsa Baradaran
Publisher: Harvard University Press
ISBN: 0674495446
Category : Business & Economics
Languages : en
Pages : 337

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The United States has two separate banking systems today—one serving the well-to-do and another exploiting everyone else. How the Other Half Banks contributes to the growing conversation on American inequality by highlighting one of its prime causes: unequal credit. Mehrsa Baradaran examines how a significant portion of the population, deserted by banks, is forced to wander through a Wild West of payday lenders and check-cashing services to cover emergency expenses and pay for necessities—all thanks to deregulation that began in the 1970s and continues decades later. “Baradaran argues persuasively that the banking industry, fattened on public subsidies (including too-big-to-fail bailouts), owes low-income families a better deal...How the Other Half Banks is well researched and clearly written...The bankers who fully understand the system are heavily invested in it. Books like this are written for the rest of us.” —Nancy Folbre, New York Times Book Review “How the Other Half Banks tells an important story, one in which we have allowed the profit motives of banks to trump the public interest.” —Lisa J. Servon, American Prospect

Author:
Publisher: Lulu.com
ISBN: 9291316695
Category : Bank capital
Languages : en
Pages : 294

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Author: Shennette Garrett-Scott
Publisher: Columbia University Press
ISBN: 0231545215
Category : History
Languages : en
Pages : 197

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Between 1888 and 1930, African Americans opened more than a hundred banks and thousands of other financial institutions. In Banking on Freedom, Shennette Garrett-Scott explores this rich period of black financial innovation and its transformative impact on U.S. capitalism through the story of the St. Luke Bank in Richmond, Virginia: the first and only bank run by black women. Banking on Freedom offers an unparalleled account of how black women carved out economic, social, and political power in contexts shaped by sexism, white supremacy, and capitalist exploitation. Garrett-Scott chronicles both the bank’s success and the challenges this success wrought, including extralegal violence and aggressive oversight from state actors who saw black economic autonomy as a threat to both democratic capitalism and the social order. The teller cage and boardroom became sites of activism and resistance as the leadership of president Maggie Lena Walker and other women board members kept the bank grounded in meeting the needs of working-class black women. The first book to center black women’s engagement with the elite sectors of banking, finance, and insurance, Banking on Freedom reveals the ways gender, race, and class shaped the meanings of wealth and risk in U.S. capitalism and society.

Author: Brett King
Publisher: John Wiley & Sons
ISBN: 1119506506
Category : Business & Economics
Languages : en
Pages : 359

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Winner of best book by a foreign author (2019) at the Business Book of the Year Award organised by PwC Russia The future of banking is already here — are you ready? Bank 4.0 explores the radical transformation already taking place in banking, and follows it to its logical conclusion. What will banking look like in 30 years? 50 years? The world’s best banks have been forced to adapt to changing consumer behaviors; regulators are rethinking friction, licensing and regulation; Fintech start-ups and tech giants are redefining how banking fits in the daily life of consumers. To survive, banks are having to develop new capabilities, new jobs and new skills. The future of banking is not just about new thinking around value stores, payment and credit utility — it's embedded in voice-based smart assistants like Alexa and Siri and soon smart glasses which will guide you on daily spending and money decisions. The coming Bank 4.0 era is one where either your bank is embedded in your world via tech, or it no longer exists. In this final volume in Brett King's BANK series, we explore the future of banks amidst the evolution of technology and discover a revolution already at work. From re-engineered banking systems, to selfie-pay and self-driving cars, Bank 4.0 proves that we're not on Wall Street anymore. Bank 4.0 will help you: Understand the historical precedents that flag a fundamental rethinking in banking Discover low-friction, technology experiences that undermine the products we sell today Think through the evolution of identity, value and assets as cash and cards become obsolete Learn how Fintech and tech "disruptors" are using behaviour, psychology and technology to reshape the economics of banking Examine the ways in which blockchain, A.I., augmented reality and other leading-edge tech are the real building blocks of the future of banking systems If you look at individual technologies or startups disrupting the space, you might miss the biggest signposts to the future and you might also miss that most of we've learned about banking the last 700 years just isn't useful. When the biggest bank in the world isn't any of the names you'd expect, when branch networks are a burden not an asset, and when advice is the domain of Artificial Intelligence, we may very well have to start from scratch. Bank 4.0 takes you to a world where banking will be instant, smart and ubiquitous, and where you'll have to adapt faster than ever before just to survive. Welcome to the future.

Author: Pamela Yellen
Publisher: Vanguard
ISBN: 0786745347
Category : Business & Economics
Languages : en
Pages : 258

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The Wall Street Journal, USA Today, and BusinessWeek bestseller Bank On Yourself: The Life-Changing Secret to Growing and Protecting Your Financial Future reveals the secrets to taking back control of your financial future that Wall Street, banks, and credit card companies don’t want you to know. Can you imagine what it would be like to look forward to opening your account statements because they always have good news and never any ugly surprises? More than 100,000 Americans of all ages, incomes, and backgrounds are already using Bank On Yourself to grow a nest-egg they can predict and count on, even when stocks, real estate, and other investments tumble. You’ll meet some of them and hear their stories of how Bank On Yourself has helped them reach a wide variety of short- and longterm personal and financial goals and dreams in this book.