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David Gibbard

David Gibbard

OmniChannel and Digital Banking Evangelist at OmniChannel & Digital Banking
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Bio Leader in the OmniChannel and Digital Banking space. Author of OmniChannel and Digital Banking blogs, white papers, presentations, and OmniChannel process/people/technology solutions. Helping North American credit unions and banks meet the paradigm shift that is occurring in the financial servic



Banks Failed Promise of Social Media Marketing

28 Jan 2015

Everywhere you read and hear about the promise of social media, the next great marketing tool designed to lead companies to the Promised Land. Banks and credit unions create a Facebook account, a Twitter account, a LinkedIn account and a Pinterest account, hoping to deliver the next social media phenomenon that streaks across the social media stra...



Creating a Cool and Profitable Bank

13 Jan 2015

In an American Banker article, Creating a Bank that's Both Cool and Fair, Chris Skinner poses a question, “What does ‘cool’ mean in banking?” The question I would ask is, “How do you create a ‘cool’ and ‘profitable’ bank?” Transaction fees, interchange fees and other non-interest income are often the difference between bank or credit union profi...


Why a Core Banking System Conversion is the Wrong Approach

06 Jan 2015

Ah, remember the old days……, the days when you had to get to your bank or credit union branch before 2:00 PM in order to get a deposit recorded as a transaction for that day. Fast forward to today. As Tom Groenfeldt, contributor to Forbes so eloquently writes, “When 40-year old legacy banking systems meet the two-month old iPhone 6, the results ar...



Dancing with the Dinosaur

03 Dec 2014

I was reading an article authored by Marc Rapport, senior writer at Callahan & Associates, called “All For One or One For All?” comparing the different technology strategies of two credit unions in close proximity to each other and both relying on select employer based growth. The two Midwest credit unions are BCU (formerly Baxter Credit Uni...

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