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Scooped by Christopher Cicmanec
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US Ahead of Western Europe in QR Code Usage - eMarketer

US Ahead of Western Europe in QR Code Usage - eMarketer | IDEA | HAVAS | Scoop.it
In a study of 18- to 34-year-olds across several countries, US residents were the most likely to have scanned a QR code, and residents of France the least likely.
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Scooped by Christopher Cicmanec
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Research shows that 51% of consumers don’t want brands listening to them in social media

Research shows that 51% of consumers don’t want brands listening to them in social media | IDEA | HAVAS | Scoop.it
According to Altimeter, 42% of businesses in the US are prioritising Social Media Listening in 2013 – putting real focus on how they sift through an...
Christopher Cicmanec's insight:

More and more businesses are starting to realize the value of listening to their consumers through the social sphere, but many consumer are reporting that they do not want brands litening into their online conversations. BUt if you dig deeper into the numbers you 'll see that consumers arn't all that sure about how they expect barnds to interact with them online.

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Rescooped by Havas Worldwide Chicago from Citi Competitive
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Insight Broadband :: TECHNOLOGY :: Analysis: PayPal hopes to break shoppers' swipe habit in stores

Insight Broadband :: TECHNOLOGY :: Analysis: PayPal hopes to break shoppers' swipe habit in stores | IDEA | HAVAS | Scoop.it

SAN FRANCISCO(Reuters) - PayPal will soon be ubiquitous in U.S. retail stores, but just being there may not be enough.

 

The online payment service will take a giant step beyond its Internet roots on April 19, when a partnership with DiscoverFinancial Services officially kicks in. The deal means PayPal will be accepted as a payment option in roughly 2 million retail stores that already take Discover credit cards.

robyn hocker's insight:

PayPal will soon be accepted in 2 million retail stores that already take Discover credit cards in hopes of converting the credit card swipers to the  cardless PayPal. All though this conversion process is slow going it confirms that there will be a shift of cardless payment options in the future.

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Scooped by Christopher Cicmanec
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Marketing Research Chart: Tactics to improve email engagement | MarketingSherpa

Marketing Research Chart: Tactics to improve email engagement | MarketingSherpa | IDEA | HAVAS | Scoop.it
free marketing articles, marketing articles, marketing research article, marketing research, SEO, web traffic optimization, social marketing, b2b marketing, marketing article, marketing tools, email marketing...
Christopher Cicmanec's insight:

A quick look at how biusinesses are starting to custumize their content to better meet their consumers needs.

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Scooped by sherri Gajewski
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BP Launches First Brand-Wide Fuel Loyalty Program: BP Driver Rewards - The Sacramento Bee

BP Launches First Brand-Wide Fuel Loyalty Program: BP Driver Rewards - The Sacramento Bee | IDEA | HAVAS | Scoop.it
/PRNewswire/ -- BP Products North America, Inc. today announced the launch of BP Driver Rewards, a fuel loyalty program that offers consumers a smarter way to save money on quality gasoline.
sherri Gajewski's insight:

BP is offering a non-credit card loyalty program where consumers can redeem cents off their gas purchases at the pump. Instant redeemption feels more tangible than a statement credit and can be explored for the ExxonMobil Smart Card.

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Rescooped by Alexis Wonais from Policy-News
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Top Challenges Facing Financial Services in 2013

Top Challenges Facing Financial Services in 2013 | IDEA | HAVAS | Scoop.it
The financial services industry is facing challenges on several fronts, many of them intertwined, as we enter the new year.
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Alexis Wonais's curator insight, May 17, 2013 5:56 PM

Interesting article detailing some of the key challenges the financial services industry faces in 2013 including government regulation (Dodd-Frank Act & Basel III), dealing with non-bank competitors and increasing the business value of customer relationships.

Rescooped by Alexis Wonais from Policy-News
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Health Law Provision for Small Business Is Delayed

Health Law Provision for Small Business Is Delayed | IDEA | HAVAS | Scoop.it
Because of what the Obama administration called “operational challenges,” most small companies that buy insurance through an exchange will offer workers just one option next year.
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Alexis Wonais's curator insight, April 5, 2013 3:14 PM

The choice option, already available to many big businesses, was originally scheduled to become available to small employers in January, but is now delayed until 2015.

 

The delay will “prolong and exacerbate health care costs that are crippling 29 million small businesses,” said Senator Mary L. Landrieu, Democrat of Louisiana and the chairwoman of the Senate Committee on Small Business and Entrepreneurship.

Rescooped by Brady Wendeln from Online Banking & Citi Competitive
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Talk To Your ATM With New Bank Of America Innovation | Fast Company | Business + Innovation

Talk To Your ATM With New Bank Of America Innovation | Fast Company | Business + Innovation | IDEA | HAVAS | Scoop.it
Machines are people too my friend
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Brady Wendeln's curator insight, April 5, 2013 11:00 AM

BOA will be rolling out new ATMs in Boston that allow the customer to live video chat with a teller, get special donominations outside of $20, or split deposits among more than one account, amongst other things.

Rescooped by robyn hocker from Citi Competitive
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Top 10 New Players Competing with Banks | Megafounder

Top 10 New Players Competing with Banks | Megafounder | IDEA | HAVAS | Scoop.it

Payments sector has been guardkeeped by central, retail banks and credit card corporations like visa or mastercard for decades. Nowadays, those payment providers are facing a challenge: The power of the disintermediation by some players or the rising of a new, much more flexible and startup minded generation intermediates.

 


Via jean lievens, robyn hocker
robyn hocker's insight:

New technology that provides online users to make payments or transfer money without using a credit card.

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robyn hocker's curator insight, April 1, 2013 2:43 PM

New technology that provides online users to make payment or transfer money without using a credit card.

Rescooped by Sarah Allen from IDEA | HAVAS
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Customer loyalty in retail banking: Global edition 2012 - Bain & Company - Publications

Customer loyalty in retail banking: Global edition 2012 - Bain & Company - Publications | IDEA | HAVAS | Scoop.it
Our survey of 150,100 consumers in 14 countries reveals a surge in mobile banking and tepid loyalty scores given by affluent customers in many markets.

Via Havas Worldwide Chicago
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Havas Worldwide Chicago's curator insight, March 28, 2013 12:33 PM

Report highlights the value customers see in being able to perform their banking tasks via mobile, especially among affluent customers, and directly corellates that the increase in satisfaction to an increase in the overall lifetime value of a customer 

Scooped by Havas Worldwide Chicago
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Customer loyalty in retail banking: Global edition 2012 - Bain & Company - Publications

Customer loyalty in retail banking: Global edition 2012 - Bain & Company - Publications | IDEA | HAVAS | Scoop.it
Our survey of 150,100 consumers in 14 countries reveals a surge in mobile banking and tepid loyalty scores given by affluent customers in many markets.
Havas Worldwide Chicago's insight:

Report highlights the value customers see in being able to perform their banking tasks via mobile, especially among affluent customers, and directly corellates that the increase in satisfaction to an increase in the overall lifetime value of a customer 

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Scooped by Alexandra Vernaci
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Shoppers’ ‘Mobile Blinders’ Force Checkout-Aisle Changes

Shoppers’ ‘Mobile Blinders’ Force Checkout-Aisle Changes | IDEA | HAVAS | Scoop.it
For years, publishers could count on bored shoppers waiting in the checkout line to pick up a magazine, get engrossed in an article, and toss it into their cart alongside the milk and eggs.
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Rescooped by Brady Wendeln from Online Banking & Citi Competitive
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American Express To Provide U.S. Chip-And-Signature Corporate Cards - Business Travel News

American Express To Provide U.S. Chip-And-Signature Corporate Cards - Business Travel News | IDEA | HAVAS | Scoop.it
American Express in the next few months will
begin issuing corporate cards with chip-and-signature functionality to U.S.
premium card customers. A wider rollout will follow.
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Brady Wendeln's curator insight, April 26, 2013 2:22 PM

AmEx will start issuing corporate cards with chip technology.  Article makes mention of Citi, which claims to be the first commericial issuer of chip cards.

Rescooped by Alexis Wonais from Policy-News
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10 Trends for Financial Services Marketing | Fifth Gear Analytics

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Alexis Wonais's curator insight, May 17, 2013 3:00 PM

Key takeaways and ideas for how Citi can address these trends/challenges:

 

·    The importance of mobile banking:

o    Drive to mobile - encourage cardmembers to download the Citi app in DM packages

o    Create exclusive Private Pass and/or TY Access/Events for cardmembers booking through the mobile app
o    Mobile banking increases customer engagement and further leverages Citi and/or TY as THE card for people in the know.
 

 

·    Data integration/Social Media:
o    Drive to social media – Another great way to track success of a DM package AND increase engagement
o     The financial services industry has been slow to adopt social media  - incorporating drive to social media in DMs, Citi will set itself apart in the industry and continue to build brand equity as “THE card for people in the know”

o    Utilize social media is a platform for gathering data and targeting consumers in DM pieces

Rescooped by Stacy Coburn from Non-Rewards Marketing
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Customers Want Brands to Love Them | Loyalty360.org

Customers Want Brands to Love Them | Loyalty360.org | IDEA | HAVAS | Scoop.it
Love – and loyalty -- is a two-way street. Just ask your customers. According to a national survey conducted by Opinion Research Corp. and commissioned by Analytic Partners, customers want to be loved by the brands that love them.
Stacy Coburn's insight:
- Nearly half (48%) of people between the ages of 18-44 indicated that any loyalty they feel toward brands in the future will be because of the types of experiences brands create for them. Some of these experiences cited by survey respondents include interaction in the form of video/online gaming, social media, and third-party expert information through blogs and articles.- Consumers feel empowered to make purchases when they have the knowledge to make proper decisions.- 75% of respondents said that the reviews they read online are a major factor in what purchases they make.- Females are generally more brand loyal than males.
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Stacy Coburn's curator insight, April 17, 2013 6:36 PM

- Nearly half (48%) of people between the ages of 18-44 indicated that any loyalty they feel toward brands in the future will be because of the types of experiences brands create for them. Some of these experiences cited by survey respondents include interaction in the form of video/online gaming, social media, and third-party expert information through blogs and articles.

- Consumers feel empowered to make purchases when they have the knowledge to make proper decisions.

- 75% of respondents said that the reviews they read online are a major factor in what purchases they make.

- Gender and location do play a role in brand loyalty.

Scooped by sherri Gajewski
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73% of consumers don't know rewards points balance

73% of consumers don't know rewards points balance | IDEA | HAVAS | Scoop.it
While a mileage or points rewards credit card might look enticing, most consumers don’t even keep up-to-date with their balances.
sherri Gajewski's insight:
  • 27 percent have let some or all of their frequent flier miles expire
  • Only 67 percent collect their rewards
  • 59 percent of consumers don’t even know how their rewards program works

Creating awareness on earning points and how the ThankYou Rewards Program works is key for TY Card communications. 

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Scooped by Christopher Cicmanec
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Visa enhances offers platform with location-based deals - Mobile Commerce Daily - Multichannel retail support

Visa enhances offers platform with location-based deals - Mobile Commerce Daily - Multichannel retail support | IDEA | HAVAS | Scoop.it
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Scooped by sherri Gajewski
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New Bank of America card offers rewards for paying off debt

New Bank of America card offers rewards for paying off debt | IDEA | HAVAS | Scoop.it
Bank of America’s newest credit card offering appears to be an inversion of the typical model: Instead of rewarding spending and racking up more debt, it gives people cash for paying down their balances.
sherri Gajewski's insight:

Consider testing incentives for paying down debt in Simplicity Card ACQ DM. The BofA val prop stands out because it is unique and is rewarding consumers for good credit behavior. 



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Rescooped by Rose Richardson from Mass Market Target Audience
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5 New Features that are Changing ATM Banking

Rose Richardson's insight:

Banks are listening to how consumers use their cards and prefer to use ATMs. 

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Rose Richardson's curator insight, April 5, 2013 3:49 PM

Banks are listening to how consumers REALLY want to use ATMs and their cards. 

Rescooped by Alexis Wonais from Policy-News
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Hiring in U.S. Tapers Off as Economy Fails to Gain Speed

Hiring in U.S. Tapers Off as Economy Fails to Gain Speed | IDEA | HAVAS | Scoop.it
Employers added only 88,000 jobs in March, a pace of growth too sluggish to make a big dent in the backlog of idle workers. The jobless rate dipped to 7.6 percent from 7.7 percent.
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Alexis Wonais's curator insight, April 5, 2013 3:07 PM

Young workers are giving up looking for a decent job and choosing to continue their education, racking up vast amounts of student debt in the process. This debt has been a contributing factor in the recent surge of consumer credit outstanding.

Rescooped by Sarah Allen from Promotions in Financial Services
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Top Five Retail Banking Trends for 2013- BAI | Banking Strategies

Retail banks, in the coming year, will focus on managing the multi-channel impact of mobile banking, downsizing branches and selective investing in branch technology.
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Scooped by Sarah Allen
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Capital One Financial plans to open banking “cafes” in Boston area in late 2013 - The Boston Globe

Capital One Financial plans to open banking “cafes” in Boston area in late 2013 - The Boston Globe | IDEA | HAVAS | Scoop.it
Capital One Financial Corp., a national bank best known locally for its credit cards, plans to open its first branch offices -- at least six -- in the Boston area starting in late 2013 to promote its growing online banking division, a spokeswoman...
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Rescooped by Stacy Coburn from Non-Rewards Marketing
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Discover Partners With Google, Makes Adding Its Credit Cards To Google Wallet Easier | EnterWebHub

Discover Partners With Google, Makes Adding Its Credit Cards To Google Wallet Easier | EnterWebHub | IDEA | HAVAS | Scoop.it
Google Wallet, the company’s NFC-based virtual wallet for Android, got a major update earlier this month when Google started giving its users the ability to...

Via Lokesh Chandra, Stacy Coburn
Stacy Coburn's insight:

Google notes that since launching support for all the major credit cards, it has “seen a significant increase in signups and app usage as people have loaded all their cards into Google Wallet.” This doesn’t come as a surprise, given that Google Wallet only worked with CitiBank-issued MasterCard cards before, but Google hasn’t provided any concrete numbers for Google Wallet usage yet, so it’s hard to gauge how successful the program actually is.

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Scooped by Alexis Wonais
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AP: 'Massive Government Spending Cuts' Caused Sharp March Consumer Confidence Decline | NewsBusters

AP: 'Massive Government Spending Cuts' Caused Sharp March Consumer Confidence Decline | NewsBusters | IDEA | HAVAS | Scoop.it
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