Breaking Banks

Table of contents

1. Acknowledgments
2. About the Author
3. Introduction: An Industry Being Reborn and Reinvented
   1. Chapter 1: A New Take on Credit and Lending
      1. When Your Credit Score Becomes More Important Than Actual Risk
      2. Taking a Fresh Look at Lending
      3. A Different Type of Credit Assessment Based on Community
      4. Through the Looking Glass: Lending 3.0??
      5. The Key Lessons
      6. Participant Profiles
      7. Notes
   2. Chapter 2: The Era of the Faster, Smarter Payment
      1. What Does History Teach Us about Payments?
      2. Disrupting Payments, and Making Payments Disappear
      3. The Internet Changes the Rules
      4. Do We Need Common Standards or Banks in the Payments System?
      5. When Innovation and the Free Market are Not Enough
      6. Through the Looking Glass: The Invisible, Instant Payment
      7. The Key Lessons
      8. Participant Profiles
      9. Notes
   3. Chapter 3: Banks That Build Their Brand without Branches
      1. The Historical Use of the Web
      2. Solving the Revenue Problem
      3. What Happens When Alternative Channels are Your Only Revenue Source?
      4. A New Approach to Banking, or Hedging the Branch Bet?
      5. The Key Lessons
      6. Participant Profiles
      7. Notes
   4. Chapter 4: How the Crowd Is Changing Brand Advocacy in Banking
      1. Social Media is Just Getting Started
      2. Building Brand through Community
      3. Social Banking from Down Under
      4. Organizational Approaches to Social Media: Ban or Boost?
      5. The Key Lessons
      6. Participant Profiles
      7. Notes
   5. Chapter 5: Not Your Father’s Banking Habits
      1. The “See-and-Hear” Generation
      2. Advocacy is Built through Seeing and Hearing a Brand
      3. The De-banked Generation
      4. How Branch Economics are Changing with Behavior
      5. Why Banks are Comparatively Poor Profit Engines
      6. Would Google, Facebook, or Apple be Better at Banking?
      7. What will the Future Bring?
      8. The Key Lessons
      9. Participant Profiles
      10. Notes
   6. Chapter 6: Is Bitcoin the End of Cash?
      1. Bitcoin Is “Real”—Deal with It
      2. The Death of Cash by “a Thousand Cuts”
      3. The Digital Money Everyone’s Talking About
      4. The Case for a Legitimate Digital Currency—Canada’s Mint Chip
      5. Will Digital Cash Kill the Dollar?
      6. The Key Lessons
      7. Participant Profiles
      8. Notes
   7. Chapter 7: Moving from Personal Financial Management to Personal Financial Performance
      1. Information and Content Is Not Advice
      2. Geezeo: The Core Goals of PFM
      3. Money Desktop: Where Visualization Is Key
      4. The Role of Interface and Real-Time Messaging
      5. The Key Lessons
      6. The Participants
      7. Notes
   8. Chapter 8: When Technology Becomes Humanlike, Does a Real Human Provide a Differentiated Experience?
      1. How Design and Computing Power Has Changed the Role of Technology
      2. Can Voice Recognition Solve Our Identity and Service Challenges?
      3. The Key Lessons
      4. Participant Profiles
      5. Notes
   9. Chapter 9: Here Come the Neo-Banks!
      1. Are Innovators Disrupting Traditional Retail Banks?
      2. Making Banking “Simple”
      3. Time to @getMoven!
      4. Bluebird Takes Flight
      5. Will the “Bank” Ever Disappear?
      6. The Key Lessons
      7. Participant Profiles
      8. Notes
   10. Chapter 10: Building Experiences Customers Love
       1. The Failings of Broadcast Brand Recall
       2. Building Advocacy, Not Recall
       3. Engaging the Customer 3.0
       4. The Future of Engagement: Beyond Marketing
       5. The Key Lessons
       6. Participant Profiles
       7. Notes
   11. Chapter 11: Money Can Buy Happiness
       1. The Real Cost of Loyalty and Frequency
       2. Enter Smartphone Loyalty
       3. The Key Lessons
       4. Participant Profile
       5. Notes
4. Conclusion: We’re Not Breaking Banking, We’re Rebooting and Rebuilding It
5. Index
6. End User License Agreement