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Rethinking the Bank Branch in a Digital World


Originally posted on HBR Blog Network - Harvard Business Review:

More US bank branches closed in 2013 than ever before. More than 85% of retail banking transactions are now digital. The bank branch is “going south,” mobile-banking entrepreneur Brett King said to CNBC. “And there’s no reason to assume we’ll see a resurgence of activity at the branch—the mobile app is the nail in the coffin.”

So are we witnessing the death throes of brick-and-mortar retail banking? Will banking soon be like the business of selling recorded music—almost all done online?

In our view, no. Rather than going the way of Tower Records, leading banks are reinventing themselves with innovative mashups of digital technologies and physical facilities, a combination we call “digical.”

Here’s why. Banking isn’t like selling records or music CDs. A bank’s products and services are often complicated. Security and trust are paramount. Many people like to deal with a banker in person for certain kinds of transactions…

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How to Make a Difference


Originally posted on Daily PlanIt:

If you have a cause you are passionate about, or a problem you want to solve to make the world a better place, this Checklist for Change can help with information to outline a plan for change.

I developed the PrintableChecklist for Change (pdf) after I heard about the How To Start a Revolution Webinar created by Jonathan Fields. Scott Dinsmore at Live Your Legend describes the webinar in his article 18 Field-Tested Steps to Launching a Non-Violent Revolution. The Daily PlanIt Change Toolkit provides links to tools for the steps and  includes a Change Outline.

CHECKLIST FOR CHANGE

CLARIFY THE IDEA

  • Choose a name that describes what the idea is about.
  • Describe the primary purpose. What is it for, how does it work, what are the features?
  • Identify the Value Proposition. What are the unique benefits offered?
  • Identify the Pain Point? What problem is solved?

COMMUNICATE

Clear…

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2018 STUDENT LIST


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Students heading into their first year of college this year were generally born in 1996.

Among those who have never been alive in their lifetime are Tupac Shakur, JonBenet Ramsey, Carl Sagan, and Tiny Tim.

On Parents’ Weekend, they may want to watch out in case Madonna shows up to see daughter Lourdes Maria Ciccone Leon or Sylvester Stallone comes to see daughter Sophia.

For students entering college this fall in the Class of 2018…

1. During their initial weeks of kindergarten, they were upset by endlessly repeated images of planes blasting into the World Trade Center.

2. Since they binge-watch their favorite TV shows, they might like to binge-watch the video portions of their courses too.

3. Meds have always been an option.

4. When they see wire-rimmed glasses, they think Harry Potter, not John Lennon.

5. “Press pound” on the phone is now translated as “hit hashtag.”

6. Celebrity “selfies” are far cooler than autographs.

7. The Daily Show with Jon Stewart has always been the only news program that really “gets it right.”

8. Hard liquor has always been advertised on television.

9. Ralph Nader has always been running for President of the U.S.

10. They never sat glued to Saturday morning cartoon shows but have been hooked on FOX’s Sunday night “Animation Domination.”

11. The water cooler is no longer the workplace social center; it’s the place to fill your water bottle.

12. In their lifetime, a dozen different actors have portrayed Nelson Mandela on the big and small screen.

13. Women have always attended the Virginia Military Institute and the Citadel.

14. FOX News and MSNBC have always been duking it out for the hearts and minds of American viewers.

15. Pepsi has always refreshed travelers in outer space.

16. Hong Kong has always been part of China.

17. Courts have always been overturning bans on same-sex marriages.

18. Joe Camel has never introduced one of them to smoking.

19. Bosnia and Herzegovina have always been one nation.

20. Citizens have always had a constitutional right to a “dignified and humane death.”

21. Nicotine has always been recognized as an addictive drug requiring FDA oversight.

22. Students have always been able to dance at Baylor.

23. Hello Dolly…cloning has always been a fact, not science fiction.

24. Women have always been dribbling, and occasionally dunking, in the WNBA.

25. Ads for prescription drugs, noting their disturbing side effects, have always flooded the airwaves.

26. Hell has always been associated less with torment and more with nothingness.

27. Whether to embrace fat or spurn it has been a front page debate all their lives.

28. Parents have always been able to rely on a ratings system to judge violence on TV.

29. They never tasted the “texturally enhanced alternative beverage” known as Orbitz.

30. There has always been “TV” designed to be watched exclusively on the web.

31. The Unabomber has always been behind bars.

32. Female referees have always officiated NBA games.

33. There has always been a national database of sex offenders.

34. Chicago, a musical about a celebrity getting away with murder, has always been popular on Broadway.

35. Yet another blessing of digital technology: They have never had to hide their dirty magazines under the bed.

36. U.S. major league baseball teams have always played in Mexico.

37. Bill Gates has always been the richest man in the U.S.

38. Attending schools outside their neighborhoods, they gather with friends on Skype, not in their local park.

39. While the number of Americans living with HIV has always been going up, American deaths from AIDS have always been going down.

40. They have no memory of George Stephanopoulos as a senior White House advisor.

41. The PGA has always offered golfers with disabilities a ride—reluctantly.

42. “African-American Vernacular English” has always been recognized as a distinct language in Oakland.

43. Two-term presidents are routine, but none of them ever won in a landslide.

44. The family has always been able to buy insurance at local banks.

45. One route to pregnancy has always been through frozen eggs.

46. They have probably never used Netscape as their web browser.

47. Everybody has always Loved Raymond.

48. “Salon” has always been an online magazine.

49. The rate of diagnosed diabetes has always been shooting up during their lifetime.

50. Affirmative Action has always been outlawed in California.

51. Boeing has never had any American competition for commercial aircraft.

52. U.S. soldiers have always been vaccinated against anthrax.

53. “Good feedback” means getting 30 likes on your last Facebook post in a single afternoon.

54. Their collection of U.S. quarters has always celebrated the individual states.

55. Since Toys R Us created a toy registry for kids, visits to Santa are just a formality.

Copyright© 2014 Beloit College

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under pressure


Originally posted on at least i have a brain:

  • i think my intracranial pressure must be high at the minute.
  • i feel like have a lot of Cerebral Spinal Fluid…
  • i feel MORE nauseas this weekend
  • i feel more dizzy last few days
  • when i move i induce Valsalva pain
  • (also if i was open i’d say that when i fart i also get Valsalva pain) 
  • feel pretty shit really

#chairian vocabulary

bad brain worldchiarireasons

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8 Slow, Difficult Steps to Become a Millionaire


Originally posted on News Podge:

Success Lessons From 2 Innovators Who Came Out Swinging

“Success is making those that believed in you look brilliant.”

For me, money doesn’t matter all that much, but I’ll confess, it did at one time (probably because I didn’t have very much). So, let’s say money is on your list. And let’s say, like millions of other people, that you’d like to be a millionaire. What kinds of things should you do to increase your chances of joining the millionaire’s club?

Here are the steps I’d suggest. They’re neither fast nor easy. But, they’re more likely to work than the quick and easy path.

1. Stop obsessing about money.

While it sounds counterintuitive, maintaining a laser-like focus on how much you make distracts you from doing the…

View original 1,040 more words

Even If Your Goals Seem Out of Reach, Stay Motivated With These 6 Strategies


Originally posted on News Podge:

17 Traits That Entrepreneurs Possess

Self-doubt has crept in. I know walking away isn’t the answer, but these negative feelings are starting to eat away at my creativity.

Staying motivated is even harder when it comes to challenging projects that seem to drag on and on. That doesn’t mean we should shy away from them, though. Use these tips and strategies to stay focused and on track.

1. Feed your soul. There are a lot of ways to do this. Professionally, I find that the best way to feed my soul is to surround myself with…

View original 491 more words

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The celebrity photo leak is yet another example of Apple’s irresponsible approach to security


Originally posted on PandoDaily:

CloudSecurity

Apple might face the ire of several celebrities whose personal photographs were stolen and published over the weekend. In the latest example of the company’s irresponsible security practices, the images — at least those that haven’t been called forgeries by several celebrities and their spokespersons — are thought to have been taken from their subjects’ iCloud accounts.

Now, it’s clear that most of the blame should fall on the person who decided to violate the only shred of privacy that these celebrities had left, and on those who shared the images afterwards. This would never have been an issue if this person didn’t believe that personal photographs of people who happen to be famous should be stolen, skimmed through, and released to the Web.

But it seems that Apple will share in the blame, as the leak was followed by the revelation that before Sunday the company didn’t prevent brute force attacks, which gain…

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