In traditional banking arrangements, households hold their savings in the form of deposits at the bank, which makes loans to both firms and households and holds these loans to maturity. But in the United States, and to a lesser extent in other developed countries, markets have increasingly taken over the roles traditionally played [...]
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Posted on May 14th, 2012
Posted on May 6th, 2012
Stable funding is vital for banks and the financial system. This warrants analysis of the significance of a reliable, low-cost way for banks to refinance their operations: deposits. Deposits play an important role for both consumers and financial services providers: in Europe, deposits account for approximately 60% of bank funding. The chief providers [...] Posted on May 3rd, 2012
Customers may be the lifeblood of retail banking, but to many institutions they remain somewhat inscrutable. Traditional measures of customer attitudes can yield confusing results, with 7% more bank customers citing a “positive customer experience” over last year. But 9% of customers are likely to leave their banks in the next six months [...] Posted on April 30th, 2012
Only a select group of the world’s leading banks have finally grasped the opportunities of social media such as Facebook and Twitter. This is a main finding in this new analysis of the social media presences of the world’s top 50 banks. In the ranking Citibank comes out as winner with an outstanding [...] Posted on April 25th, 2012
The widespread consumer adoption of social media is hard to ignore. Already, one in ten of the world’s population has a Facebook account and almost 500 million people log onto YouTube each month. But while most business sectors have already made significant gains by adopting social media, retail banks seem to be lagging [...] 14 pages
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