Reverse Mortgage Trends Posted May 25, 2007 (7.55MB Running Time: 10 min 29 sec) On this edition of On Banking, reverse mortgage originations are growing at a rapid pace. A monthly record of nearly 11,000 home equity conversion mortgages - the most popular type of reverse mortgage - were originated in March. Ken Austin, president of reverse mortgage servicing and technology provider Reverse Mortgage Solutions sat down with On Banking to discuss trends in this fast growing market. Retail Marketing Strategies Posted April 27, 2007 (7.30MB Running Time: 10 min 08 sec) On this edition of On Banking, determining what products to market to what customers is a difficult task. Banks spend millions of dollars on advertising each year trying to improve their bottom lines. Senior Vice President Zaydoon Munir of Experian and Managing Vice President David Tetenbaum of First Manhattan Consulting Group sat down with On Banking to discuss marketing trends in retail banking. Fighting Identity Fraud Posted March 26, 2007 (8.64MB Running Time: 11 min 59 sec) On this edition of On Banking, consumers lost more than $49 billion to identify theft in 2006, according to a study by Javelin Research. Terrence DeFranco, chief executive at fraud-solutions provider Edentify, sat down with On Banking to discuss identity theft and new types of identify fraud financial services providers should watch out for. Retail Banking Customer Service Posted March 19, 2007 (9.43MB Running Time: 9 min 49 sec) On this edition of On Banking, long-standing customers are leaving their primary bank at increasing rates. Over the past two years, 16% of customers have defected to a new bank, according to a new study by the consulting firm Maritz Inc. Stephen O'Malley, a vice president and general manager at Fenton, Mo.-based Maritz, sat down with On Banking to discuss how to keep customers from switching banks. Margin Pressures in Retail Banking Posted February 22, 2007 (7.81MB Running Time: 8 min 08 sec) On this edition of On Banking, margin pressures at retail banks have been growing in recent years. According to a study by First Manhattan Consulting Group, net interest income margins have declined more than 20 percent over the past 10 years. First Manhattan's Theo Moumtzidis, discusses why margins are narrowing and what retail banks are doing to stay profitable. Small Business Banking Segmentation Posted January 29, 2007 (6.83MB Running Time: 7 min 06 sec) On this edition of On Banking, segmenting small businesses by size and industry allows banks to improve their relationships with customers and better identify untapped markets. Rocky Clancy, an executive director at J.D. Power and Associates sat down with On Banking to discuss small business banking segmentation. Small Business Banking Satisfaction Posted January 19, 2007 (8.28MB Running Time: 8 min 37 sec) On this edition of On Banking, satisfied small business banking customers provide larger deposits and more referrals than their retail counterparts. Yet, banks still struggle to keep this segment happy. Rocky Clancy, an executive director at J.D. Power and Associates discusses small business banking customer satisfaction. Check back Jan. 25 as Rocky Clancy returns to discuss segmentation in small business banking. Mortgage Outlook 2007 Posted January 16, 2007 (12.19MB Running Time: 12 min 41 sec) On this edition of On Banking, after years of record-breaking volume, mortgage originations declined about 17 percent in 2006. 2007 should be a bit better. The Mortgage Bankers Association is projecting a decline of about four percent. Doug Duncan, the MBA's chief economist, sat down with On Banking to provide his outlook for the mortgage industry. ClairMail Part 3 of 3: Mobile Banking in 2007 Posted December 29, 2006 (10.00MB Running Time: 10 min 22sec) On this edition of On Banking, first ATMs allowed customers to get cash at anytime of the day. Then, online banking allowed customers to take care of their banking needs from the comfort of their homes. Now, mobile banking is poised to allow customers to access banking services from anywhere, anytime. In the final part of our three part series with mobile banking technology provider ClairMail, chief executive Joe Salesky discusses the impact mobile banking will have on customer service. ClairMail Part 2 of 3: Mobile Banking Technology Posted December 21, 2006 (10.19MB Running Time: 10 min 36sec) On this edition of On Banking, replicating the online banking experience in the mobile could pose a challenge. In the second part of a three part series with mobile banking technology provider ClairMail, chief executive Joe Salesky discusses the technology of mobile banking. (On Dec. 28, On Banking will release the final part of the series, with Salesky discussing mobile banking customer service.) ClairMail Part 1 of 3: Mobile Banking in 2007 Posted December 15, 2006 (10.15MB Running Time: 10 min 33 sec) On this edition of On Banking, mobile banking is poised to be the breakout hit of the New Year. Banking heavyweights like Wachovia and Citibank are rolling out secure mobile banking platforms that allow customers to check balances, pay bills and transfer funds. In the first part of a three part series with mobile banking technology provider ClairMail, Chief Executive Joe Salesky discusses growth potential for the market in 2007. (On Dec. 21, On Banking will release the second part of the series, with Salesky discussing the technology of mobile banking.) FSTC Part 3 of 3: Creating a Fraud Database Posted November 29, 2006 (7.28MB Running Time: 7 min 34 sec) On this edition of On Banking, banking fraud is at epidemic levels. Identity theft alone resulted in more than $54 billion in losses last year, according to a study by Javelin Strategy and Research. In the final part of a three part series discussing banking initiatives with the Financial Services Technology Consortium, Executive Director Dan Schutzer discusses the FSTC's plan to improve banks' abilities to fight fraud. Cross Selling on Customer Service Calls Posted November 20, 2006 (13.64MB Running Time: 14 min 12 sec) On this edition of On Banking, satisfying banking customers on service and support calls can be difficult enough with automated menus and long hold times. Making customers sit through a sales pitch at the end of the call can frustrate them even more. In the second of two discussions with On Banking, First Manhattan Consulting Group's managing vice president Theo Moumtzidis discusses effective strategies for cross-selling products on service calls. FSTC Part 2 of 3: Securing Consumer Data Posted November 16, 2006 (11.13MB Running Time: 11 min 35 sec) On this edition of On Banking, financial institutions transferring customer data is always a sensitive issue. Protecting customer data while still making the data readily accessible for users is a delicate balancing act. In the second part of a three part series discussing banking initiatives with the Financial Services Technology Consortium, Executive Director Dan Schutzer discusses improving security and encryption to protect sensitive consumer material. (On Tuesday, Nov. 28, On Banking will release the final part of the series, with Schutzer discussing a project to create a banking fraud database.) Shareholder Performance Posted November 14, 2006 (12.21MB Running Time: 12 min 42 sec) On this edition of On Banking, Earnings reports from retail banks often bombard shareholders with tons of data. Exactly what data correlates to shareholder performance can be tough to distinguish. In the first of two discussions with On Banking, First Manhattan Consulting Group's managing vice president Theo Moumtzidis talks about how organic growth in retail banking is the key to shareholder performance. (A second discussion with Moumtzidis, on cross-selling banking products on service calls, will be released on Monday, Nov. 20.) FSTC PART 1 of 3: Image Capturing Posted November 10, 2006 (7.56MB Running Time: 8 min 15 sec) On this edition of On Banking, With banks becoming more reliant on technology to transfer documents, the equipment to ensure copies of documents are clear and legible has been called into question. In the first part of a three part series discussing banking initiatives with the Financial Services Technology Consortium, Executive Director Dan Schutzer discusses an FSTC initiative to create standards for capturing images of financial documents. (On Thursday, Nov. 16, On Banking will release the second part of the series, with Schutzer discussing a project to protect sensitive consumer data.) Online Banking Strategies Posted September 29, 2006 (8.0MB Running Time: 8 min 30 sec) On this edition of On Banking, A recent study by technology solutions provider Keane shows a disconnect between the online banking tools customers want and the tools banks are providing. Banks are focused most on touting the number of products they sell, while customers are looking for wealth management strategies based on major life events. Imran Sayeed, a vice president of financial services at Keane, sits down to discuss how banks can bridge the gap to improve their online banking solutions. Intelligent Video Surveillance Posted August 10, 2006 (3.5MB Running Time: 3 min 51 sec) On this edition of On Banking, As new technologies are emerging to monitor operations, financial institutions are looking for innovative ways to protect themselves. Video surveillance is becoming a critical tool in stopping bank fraud before it occurs. Tim Ross, chief executive and co-founder of San Francisco-based 3VR Security Inc., a video security solutions provider, joins us to talk about the need for real-time surveillance and analysis. Fannie Mae and Freddie Mac Reform Posted August 2, 2006 (6.3MB Running Time: 6 min 42 sec) On this edition of On Banking, With Fannie Mae and Freddie Mac emerging from multi-billion dollar accounting scandals, Congress is considering reforming the two mortgage giants. Proposals on the table could limit the size of the pair's mortgage portfolios and create a new regulatory agency to watch over them. Kurt Pfotenhauer of the Mortgage Bankers Association joins us to talk about potential GSE reform. Small Business Banking Rewards Posted August 2, 2006 (6.2MB Running Time: 6 min 32 sec) On this edition of On Banking, Industry experts discuss the benefits of small business banking rewards programs. A recent online survey conducted by Small Business Banking News found a majority of banks plan to add rewards programs within the next year. Most banks already offering rewards plan to expand them in the near future as well. Royal Media Group senior editor Mike Gibb sits down with marketing experts Mike Carroll of MSC Marketing and Leo Vassar of Rennhack Marketing Services to talk about small business rewards programs.

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