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Bank Systems & Technology July 28, 2006 Maria Bruno-Britz	Targeting the Unbanked/Underbanked With the Right Solutions To target the unbanked/underbanked market, banks are deploying a variety of solutions, including cards, remittances, and tailored risk and credit scoring models.
Bank Technology News June 2007 Michael Sisk	America's Great Divide About 73 million people in the U.S. are unbanked or underbanked, a marketplace that is as diverse as it is unknown. Banks will find a bevy of new risk tools to help reach out to this emerging credit market.
Bank Systems & Technology February 1, 2007 Nancy Feig	Financial Institutions Must Treat Payments Processing as a Business Line to Gain Competitive Differentiation As competition in the payments space continues to heat up, more and more banks will take an enterprise-wide view of the payments business and corresponding technology.
Bank Systems & Technology January 31, 2006 Maria Bruno-Britz	Banking for the Masses As a whole, the underbanked and unbanked account for more than 30 million Americans. That is not an insignificant number, and smart banks are redoubling their efforts in reaching out to this market.
The Motley Fool May 27, 2005 Selena Maranjian	New Ways to Qualify for a Mortgage If you're in the market for a new home and you have less than glowing credit, look into these possibilities.
Bank Systems & Technology September 28, 2005 Katherine Burger	ROI Doesn't Matter When does an opportunity become an obligation? This is the urgent question facing the banking industry regarding serving the unbanked and underbanked U.S. population.
The Motley Fool August 30, 2005 Dayana Yochim	Your Credit Score's All Wrong The author reveals the kinks in the consumer credit scoring system and explains why the credit file you're allowed to see isn't the same one your banker uses.
Bank Systems & Technology July 1, 2005 Maria Bruno-Britz	It's All About Choice Experian, best known as one of the big three credit scoring and analysis bureaus, is transforming itself into an all-around Web financial resource for consumers with its new offering, Experian Interactive.
The Motley Fool August 24, 2004 Dayana Yochim	Your Dumbed-Down Credit Score Want to see your real FICO score? Get a job at a bank. FICO (and other credit scoring companies) offers different risk models to banks, insurers, and even landlords than it does to the general populace.
Bank Systems & Technology December 1, 2006 Phil Britt	Banks to Allow E-Bill Pay Customers to Pay With Cards The growing popularity of online bill payment services presents a revenue opportunity for banks.
Financial Advisor July 2006 Gail Liberman	Credit Score Surprises Credit scores can jump up and bite your financial advisory clients in ways you'd think were almost impossible. More data collected from more sources is used in unexpected ways.
The Motley Fool June 20, 2006 Dayana Yochim	Fake Credit Scores for Sale You might be surprised how label-conscious your lender really is. No matter what the scoring scale, all of these systems are designed to achieve one goal -- to see how risky it is to do business with you based on your past behavior.
The Motley Fool December 6, 2005 Dayana Yochim	FICO Babble The money shrink is in to help you make sense of your credit score. Together we're going to tackle your deepest FICO fears head-on.
The Motley Fool February 14, 2007 Mary Dalrymple	Fix Your Credit, Reap the Profits Improving your credit score can be great for your wallet. Once you know how lenders weigh your behavior, you can take the right steps to improve your image.
Bank Systems & Technology August 3, 2005 Maria Bruno-Britz	Milk, Bread, Pay Cable Bill Banks should view retail services such as Info Touch's TIO Network as a first step for consumers who currently do not bank. If a bank forms a relationship with a retailer, when consumers are ready for more services, the bank will be right there, whether it's behind the scenes or up-front.
Bank Systems & Technology January 1, 2007 Maria Bruno-Britz	Study: Banks Need New Ways to Gauge Customer Payment Preferences A recent study shows behavior models can help financial institutions understand clients better and can improve their competitive position in the payments business..
The Motley Fool March 22, 2004 Dayana Yochim	America Scores! March Madness extends to credit scoring. How does your state rank?
The Motley Fool August 22, 2005 Dayana Yochim	Credit Scores Age Like Vintage Bordeaux From credit file conception to account closure, your credit score gets better with age.
Bank Systems & Technology January 1, 2007	New Products Provenir Enables Mobile Banking... Bharosa Adds Voice Verification... Experian Targets Prospects...
The Motley Fool November 9, 2005 Dayana Yochim	Want HBO? Better Check Your Credit The broadband/cable industry join credit card companies, lenders, landlords, insurers, employers, and utility companies in having an industry-specific credit scoring matrix. What does that mean for the consumer?
Bank Technology News March 2007 John Adams	Payments: Automation is Washing Money Orders Away Prepaid cards are the new vehicle of choice among the unbanked who have long endured high money order fees. Payments firms better take note.
Bank Systems & Technology March 27, 2008 Nancy Feig	Banks Adopting More Strategies to Court Underbanked Banks' interest in helping the underbanked isn't entirely altruistic. While the average account of an underbanked person may not seem substantial, as a group, the underbanked spend at least $13 billion per year on non-bank financial transactions.
Bank Systems & Technology August 1, 2007 Nancy Feig	Banking Customers More and More Mistrustful of Financial Institutions It's not just security breaches that are causing consumers to lose faith in their financial institutions. Consumers in general are more demanding, and this attitude spills over into the relationships they have with their banks.
The Motley Fool August 25, 2004 Dayana Yochim	Who Has the Keys to Your Credit File? Check the checkers and see who is inquiring about your credit history.
The Motley Fool May 3, 2007 Dan Caplinger	Borrow When You Don't Need To You need to use credit to get good credit. Given how many ways your credit score gets used, not having an established credit history can be costly.
The Motley Fool October 20, 2005 Dayana Yochim	The Real Impact of Late Payments It turns out that lenders may not be keeping such close tabs after all. As it turns out, the method that lenders use to calculate the impact of late payments is less like a strict scorecard and more like the honor system.
Bank Systems & Technology August 30, 2005 Maria Bruno-Britz	Commercial Payments: From Many, One All the major players - banks, corporations, regulators and vendors - are attempting to standardize and simplify the commercial payments process. But, everyone seems to have a different idea as to the best way to do so.
The Motley Fool January 20, 2005 Dayana Yochim	Who Has the Keys to Your Credit File? Anyone with a "permissible purpose" can peruse your credit history. Do your own sleuthing and see who has been inquiring about your credit history.
Bank Systems & Technology April 25, 2008 Nancy Feig	Enterprise Payments Architectures Are Gaining Ground at Banks The aim of an enterprise payments architecture is to leverage technologies and services across the payments business and throughout the entire organization.
Bank Systems & Technology March 30, 2007 Maria Bruno-Britz	Retail Payments Business Moving More Toward Mobile Increasingly, banks are under pressure to provide multiple payments options to keep customers from going to the bank down the street or even to a nontraditional financial services provider.
U.S. Banker February 2007 Andrew Reinbach	Are Small Banks Reevaluating A Big-Bank Technique? Scoring small-business loans is often believed to be unnecessary at the community bank level, especially if the lender and applicant know each other. But it may yet be valuable for credit quality.
Bank Systems & Technology September 30, 2006 Maria Bruno-Britz	Speaking the Same Language Banks are faced with a dilemma around the extent to which they should remain in the payments business.
Bank Systems & Technology September 28, 2005 Maria Bruno-Britz	Is the End of Cash at Hand? The growing comfort with digital and wireless technologies may be largely responsible for the recent upswing in e-payments. Of course, the trend has not gone unnoticed by the financial services industry.
Bank Systems & Technology September 30, 2006 Maria Bruno-Britz	Information Integration Key for Banks in Consumer Payments Integrating customer information is key in order for banks to stay competitive in the consumer payments game, according to Christophe Uzureau, an analyst with Gartner.
Bank Technology News November 2007 John Adams	Credit Risk: Who's Going To Go Bankrupt? Visa and Experian, are hoping to expand upon their already considerable inroads by teaming up to develop credit risk management products and services.
The Motley Fool October 7, 2005	What's Your Down Payment? If you're wondering what percentage of what you're paying for a house should be your down payment, know that there's no single best amount, and it will likely vary according to your situation.
Bank Systems & Technology January 29, 2008 Maria Bruno-Britz	Evolving Card Business Presents Opportunities and Threats for Banks Rapid advances in technology, the recent IPOs of Visa and MasterCard, an uncertain economy, and shifting consumer behaviors all are converging to create a whirlwind of change -- and opportunity -- in the card space.
Bank Technology News June 2007 Holly Sraeel	The Politics Of Lending Loom Large Over the Unbanked Because some people assume "the unbanked" is code for undocumented immigrants, banks find themselves perched on the horns of a public opinion dilemma. Are banks breaking their social contract with Americans, or is the U.S. failing with its immigration policy?
Bank Systems & Technology February 1, 2007 Esther Pigg	Meeting the Corporate Challenge With corporate customers challenging their financial institutions to provide a more-integrated, end-to-end array of payments origination, information management, clearing and dispute resolution solutions, 2007 will be an exciting time in the U.S. payments industry.
The Motley Fool June 30, 2004	What's Your Down Payment? Learn to determine how much you should put down when buying a home.
U.S. Banker November 2009 Marissa Fajt	Credit Where Credit Is Due: How to Reach Hispanics Listen up bankers. A specialty finance firm in California is winning over unbanked consumers with simple, small-dollar loans.
Bank Technology News May 2005 Holly Sraeel	Nonbank Payments: Are Banks Green? Yes And No. If you take cash and payments out of the equation, who needs banks?
Bank Systems & Technology July 11, 2007 Maria Bruno-Britz	Underbanked Segment Welcomes Banking Relationships The underbanked are a more-complex customer market than previously believed, new research shows. Fortunately, technology can help banks better serve this potential customer segment.
Bank Technology News March 2007 Glen Fest	Business Banking: Small Banks Beefing Up Commercial Capabilities Four in five community institutions say they will increase tech spending on capabilities such as cash management and imaging to attract corporate banking customers.
The Motley Fool February 24, 2004 Robert Brokamp	What Do They Know About You? Credit agencies have files and files of information about you. Find out what they know.
The Motley Fool April 29, 2005 Dayana Yochim	Why's My FICO Score Wacky? Wonder why your credit scores are so wildly different? It's because the scoring systems are wildly different.
Bank Systems & Technology November 1, 2006 Katherine Burger	Debate Down Under The most-significant challenges facing the banking industry are the following: Consolidation of payments infrastructures; how banks [can] create new payments products; margin compression; and the threat of new entrants, which is driving innovation.
Bank Systems & Technology June 1, 2005 Ivan Schneider	If You Can't Beat 'Em, Join 'Em A new bill introduced by a senior member of the House Financial Services Committee would relax regulations for smaller community banks and also reduce their tax liability.
Bank Systems & Technology September 28, 2007 Maria Bruno-Britz	Transaction Processing Not Enough to Succeed In Commercial Banking Banks will need to move away from the transaction processing model to become the advisers of choice for their corporates.
Bank Systems & Technology October 30, 2007 Richard Winston	Mobile Wallet Will Take Time to Mature In U.S. Contactless payments are a transitional technology on the way to the anticipated wallet phone.