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The financial crisis is just beginning for retail institutions. Ninety to ninety-five per cent of bank transactions are executed electronically today. The Internet, ATMs, call centres and smartphones have become mainstream for customers. But banks still classify these as alternative channels and maintain an organisation structure where Branch dominates thinking. Continued technology innovations, Web 2.0, social networking, app phones and mobility are also stretching traditional banking models to the limit. BANK 2.0 reveals why customer behaviour is so rapidly changing, how branches will evolve, why cheques are disappearing, and why your mobile phone will replace your wallet all within the next 10 years.

Review:

As senior manager new to a financial services organization this book encapsulated everything I believe the industry needs to wake up to and address.

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Tags: Financial, Future Financial

If you have been involved in a law suit or may need to file one for any reason at all, you may be wondering about a structured settlement and how it woks. A structured settlement is essentially a structured payment system whereby the claimant receives regularly scheduled payments as opposed to one lump sum of money.

One of the benefits of a structured settlement versus a lump sum payout is the guarantee of funds lasting over a lifetime for the plaintiff. Studies have shown that lump sum payouts are typically exhausted after just a five year time period leaving the claimant with no future funds to support themselves. In cases of personal injury and disability, this can be detrimental to the life style of the individual. Structured settlements offer guaranteed funds and income stability as well as being an excellent investment vehicle.

A structured settlement can also be viewed as an investment vehicle as the payments receive several different tax benefits.

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Tags: Settlement, Structured Settlement

Your credit score is a snapshot of the contents of your credit report on the day the score was calculated.  Using objective impartial formulas to translate the contents of your credit report into a 3-digit score allows lenders to evaluate your application for credit in a faster, fairer and more consistent manner.  Remember, the credit bureaus constantly update the information on your credit report so your credit score only represents the score a lender would receive at the moment when requested. If you have a high credit score lenders conclude that you are capable of repaying your debts allowing banks and lenders to offer you good interest rates and loan offers that are competitive.  Lender offers will differ based on the information provided concerning your monthly income, employment history, and monthly debt and your credit score.  This information determines whether you receive an excellent offer or just a good offer.  Some cred Read full article…

Tags: Credit

Declaring personal bankruptcy is not something to be considered lightly. If you are having financial difficulties that have you considering taking this ultimate step, take a moment to consider some of the fall out from going with this option. Both individuals and businesses are allowed to file for bankruptcy under current laws. In an effort to provide creditors with some form of restitution without overly penalizing the party who cannot pay, the government created bankruptcy as a viable alternative. In less hospitable times, they used to throw people into debtors prison. Thank goodness that has long since been done away with. Yet, a huge debt burden can often feel like youre inside of a financial prison with no way out.

Feelings of stress and depression are common when you have a seemingly overwhelming debt to pay, but know you dont have the means to make good on much of it. Filing for personal bankruptcy is a last resort option that can look like a quick and easy way out of your money troubles.

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Tags: Bankruptcy, Personal Bankruptcy

WASHINGTON — The Office of the Comptroller of the Currency announced formal enforcement actions against eight national bank mortgage servicers and two third-party servicer providers for unsafe and unsound practices related to residential mortgage loan servicing and foreclosure processing.

The eight servicers are Bank of America, Citibank, HSBC, JPMorgan Chase, MetLife Bank, PNC, U.S. Bank, and Wells Fargo. The two service providers are Lender Processing Services (LPS) and its subsidiaries DocX, LLC, and LPD Default Solutions, Inc.; and MERSCORP and its wholly owned subsidiary, Mortgage Electronic Registration Systems, Inc. (MERS).

“These comprehensive enforcement actions, coordinated among the federal banking regulators, require major reforms in mortgage servicing operations,” said acting Comptroller of the Currency John Walsh. “These reforms will not only fix the problems we found in foreclosure processing, but will also correct failures in governance and the loan modification process and address financial harm to borrowers. Our enf

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Tags: Action, Enforcement Action