01 March 2015

JP Nicols

JP NicolsBank Innovators Council - Seattle

Gaining the Collaborative Advantage in Banking

22 January 2014  |  1865 views  |  0  |  Recommends 1

Bankers have long sought a competitive advantage in a vast sea of largely undifferentiated competitors. For most players, and for most of the industry’s long history, the chief weapons in this war have been scale and localization. Either growing large enough to create economies of scale and/or scope, or trying to corner one or more local markets b...

TagsMobile & onlineInnovationGroupInnovation in Financial Services
JP NicolsBank Innovators Council - Seattle

Five Shifts that Define the Future of Wealth Management

12 February 2013  |  4177 views  |  0  |  Recommends 0

Five massive foundational shifts are impacting financial service providers of all types, and they are impacting those that serve affluent clients in especially unique ways. According to a study by KPMG conducted in June 2012, 9 out of 10 banks are considering a serious overhaul of their strategy, and 40% say that wealth management and asset manage...

TagsMobile & onlineRetail bankingGroupInnovation in Financial Services
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JP NicolsBank Innovators Council - Seattle

Technology in Wealth Management: Opportunity or Threat?

05 February 2013  |  2425 views  |  0  |  Recommends 0

Wealth management is an attractive business line for banks. Affluent clients hold higher balances, have lower credit default rates and utilize more fee-based services than the average branch consumer....

TagsMobile & onlineRetail banking
JP NicolsBank Innovators Council - Seattle

Banks are Laggards in Research and Development

04 February 2013  |  2444 views  |  0  |  Recommends 0

Banks don't even show up on Booz & Co.'s Global Innovation 1000 spending report. They are lumped in to the "other" category of all industries except the top nine. All of the other indus...

TagsMobile & onlinePaymentsGroupInnovation in Financial Services
JP NicolsBank Innovators Council - Seattle

Banks Face the Innovator's Dilemma

01 February 2013  |  3210 views  |  3  |  Recommends 1

Sometimes the simplest lessons are the hardest ones to learn. Anyone who has taken even the most basic business course in the past fifty years is undoubtedly familiar with Theodore Levitt's 1960 trea...

TagsMobile & onlineRetail banking
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