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Your source for the latest technology information of interest to community banks across America.

Subscribe to our weekly e-mail newsletter and/or our monthly newsletter and stay on top of the latest technology trends in Hardware, Software, ATMs, Biometrics, Wireless, Online Banking, Marketing, Security, Internet Access and Call Centers.

January 31, 2022


Hardware News

 

Dell Expands Apex Cloud and On-Prem Storage Options

Dell's Apex Multi-Cloud Data Services will provide file, block, object and data protection services for simultaneous access to all major public clouds from a single source of data. It will connect storage and data protection to preferred public clouds and services through its integration with the Apex Console. They will also extend their storage portfolio with Project Alpine, an effort to bring Dell’s flagship block- and file-storage software to public clouds.

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Software Updates

 

16 Ways to Speed up Windows 10

If you want to optimize Windows 10, take a few minutes to read this article's tips to speed up your PC and make it less prone to performance and system issues.

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Experian Go Program Will Allow Credit Invisibles to Start Building Credit

Experian has launched Experian Go which they claim is the first-of-its-kind program to help “credit invisibles,” or people with no credit history, begin building credit on their own terms. Nearly 50 million consumers have a nonexistent or limited credit history. Experian says that within minutes, credit invisibles can have an authenticated Experian credit report, tradelines and a credit history by using Experian Boost, and instant access to financial offers through Experian Go.

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ATMs/Kiosks

 

ATM Deposits Shouldn't Be Optional

Many ATMs accept cash deposits, but sometimes the feature doesn't work due to a variety of technical issues. The author states that ATMs being out of service to accept deposits has been a problem with ATMs for a long while. He recommends that ATM deployers offer some sort of notice on the ATM that pops up if the feature is unavailable and that they invest in monitoring software that can quickly detect potential problems with the ATM remotely and identify solutions.

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Wireless World

 

Apple to Let iPhones Accept Credit Cards in Threat to Square

Apple is planning a new service that will let small businesses accept payments directly on their iPhones without any extra hardware. The system will likely use the iPhone’s near field communications, or NFC, chip that is currently used for Apple Pay. It is not known if Apple intends to partner with an existing payment network for the feature or launch it alone.

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H&R Block Launches Mobile Banking Platform

Tax-preparation giant H&R Block is launching its own mobile banking platform targeted at low-to-moderate-income Americans. The Spruce platform includes a spending account with a debit card, along with a connected savings account that allows for budgeting for specific goals. Users will also be able to get their pay check early, cash back rewards, credit score monitoring, and tax refund allocation.

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Security Section

 

Adaptive Shield SaaS Security Posture Management

Gartner has named SaaS Security Posture Management (SSPM) as a "must have" solution to continuously assess security risks and manage a SaaS applications’ security posture. Adaptive Shield’s SSPM solution helps security teams to have full visibility and control of the company’s SaaS apps and their posture to prevent a leak or breach. Security teams can identify, analyze, and prioritize misconfigurations in their SaaS stack to maintain continuous security.

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TAC Security Offers Vulnerability Management Platform

TAC Security launched its new ESOF Vulnerability Management Detection and Response (VMDR) solution. They state that their solution combines in a single console vulnerability management for people, infrastructure and applications, incidents, governance risk and compliance (GRC).

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Technology and Marketing

 

Millennials Aren't Always About the Digital Experience - Old Fashioned Marketing Works Too

As a generational cohort, the majority of millennials are at the height of their consumption power. The authors insist the best way to grab a millennial’s attention isn’t necessarily through emails or texts. Instead, it might be via a greeting card delivered the old-fashioned way. When you send a personalized card in the mail, you’re fostering a different connection with the buyer.

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User Experience Reigns in Credit Card Decisions

A super-low interest rate might seem like the most tantalizing perk to dangle in front of would-be credit card holders, but research shows there are myriad other factors consumers take into consideration when deciding whether to use one card over another. User experience benefits like cash-back rewards, data privacy and credit building tools are considered by 75% of consumers. This article goes in great detail on more credit card experience-type user perks.

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Online Banking/E-Commerce/Website Design

 

Open Banking's Way Forward Is More Data Sharing

This article states "“We are starting to see that open banking is being used by important entities … be it government or large institutions are starting to realize that open banking has a lot to offer.." Two important trends right now in open banking are embedded finance and integration between industries. The author concludes that consumers are beginning to stop thinking about finance as a separate industry, and it will become more integrated in their daily lives.

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Federal Reserve Announces FedNow Service Pricing Approach

The 2023 FedNow Service fee schedule to be published later in 2022 is currently expected to include the following fees and other pricing information: * A $25 monthly FedNow Service participation fee for each routing transit number (RTN) that enrolls in the service to receive credit transfers; * A fee of $0.045 per credit transfer to be paid by its sender, including returns; * A fee of $0.01 for a request for payment (RFP) message to be paid by the requestor.

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Multi-Currency Debit Cards: Everything You Need to Know

A multi-currency debit card allows you to seamlessly switch between fiat currencies and digital assets, offering users a variety of different services. They are particularly beneficial for businesses that wish to manage their spending, make international transactions, and keep track of staff expenses. This article takes a deep dive into just about every facet of multi-currency debit cards.

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Digital Banking Industry Leaders Forum

Thought Leadership From Around the Industry by BANK tech-trends and Finopotamus:

Benchmarking Your Digital Banking Strategy

Humanizing Digital: Increasing Account Holder Loyalty and Exceeding Goals with Smart, Flexible Solutions

Alogent

 

Digital Transformation: A Banking Imperative

Three Present-Day Goals to Revolutionize Your FI’s Marketing

eSignatures Are Now a Top Priority Across the Nation

Fight Fraud by Better Understanding Your Financial Data

It’s Always About the People: 5 Rules for Digital Banking and Beyond

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Internet Access

 

Complexity Continue to Grow as More Organizations Close Legacy Data Centers

IT leaders are managing distributed teams and juggling more complex networks than ever, according to Aryaka's Global State of the WAN 2022 report. In this year's report, Aryaka analysts identified four trends: 1. Remote and hybrid work is still a top priority; 2. Cost and consumption are the top concerns around application performance; 3. Visibility and control are top concerns; and 4. Companies are more interested in all-in-one solutions for network and security.

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Cisco Weds Collaboration and SD-WAN

Cisco is adding Webex collaboration to its SD-WAN Cloud OnRamp to support group video calls regardless of where participants are located. It includes application-aware firewalls, URL-filtering, intrusion detection/prevention, DNS-layer security, and Advanced Malware Protection (AMP) Threat Grid, as well as network services such as load-balancing and Wide Area Application Services.

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Call Centers

 

Alvaria Adds Real Time AI Capability to Help Contact Centers

Alvaria Real Time Optimizer, a new cloud application of the Alvaria Workforce Engagement Management Suite, is designed to help contact centers find and re-allocate agent down-time so that it can be used productively. By functioning as a real-time virtual agent assistant, Alvaria Real Time Optimizer call center application monitors agent idle time and delivers training, coaching and off-phone tasks. It is designed to help contact centers find and re-allocate agent down-time so that it can be used productively.

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