BANKS ARE MAKING LEMONADE OUT OF RETAIL LEMONS: The term “Retailpocalypse” is usually reserved B&M retailers who are experiencing an erosion of business within physical stores as sales shift to online ecommerce channels. But we don’t often think of this with other location-intensive industries like banking. As is the case with their retail cousins, banks are seeing the same decrease in foot traffic as more FS transactions occur online or at self-service kiosks. The attached Tearsheet article, explains what’s occurring in the industry and provides a pretty handy interactive chart tracking the location counts of the largest national banks. But this downsizing trend isn’t all bad news for the banks. Some are seizing this inflection point to reinvent what it means to visit a bank. Apple Store-style coffee bars are replacing marble floors and vaulted ceilings, and “side by side banking” is supplanting traditional teller lines. All of this amounts to a fairly impressive counter punch by banks who could otherwise get lost in the vacant storefronts of yesteryear’s banking model.
ZELLE IS THE NEW GREEN: Staying with banks for a minute, there’s another significant tech advancement about to happen in the FS industry. For some background, alternate FinTech companies like Venmo and Paypal have started to encroach on traditional banking. This has created a dilemma for the national banks who are trying to preserve their legacy business while staying nimble on new tech-enabled financial services. In response to this threat a conglomerate of 30+ banks is about to launch a new app platform for inter-bank cash transfers called Zelle. This will allow consumers to instantly move money across any participating bank from a mobile device. (As an aside, does this feel like a Christmas miracle for all the money launderers out there?!?) Back to my point . . . the technology behind Zelle has actually been around for several years through a system called ClearXchange. But now they’ve finally gotten all the big banks to commit into one unified platform, which will instantly create the industry standard. TechCrunch has a comprehensive write up in the attached link. Maybe I should start taking Zelle payments for subscriptions to the Daily Gabe? Hmmm . . .
RADIO BASHES OTHERS BY IGNORING IT’S OWN FLAWS (AGAIN): And finally, I know I’ve been pushing back on the radio propaganda machine a lot lately, so please indulge me as I call out another junk piece. In this one the author describes radio, and it’s PPM collection method, as the only medium which lives up to its promise of tracking people who are hearing ads. What? Is this the same PPM system which can’t get MRC accreditation in a majority of MSAs because it’s sample size is too small? Is this the same PPM system which can’t measure cell phone only listeners (aka millennials)? Is the same PPM system that be gamed by a hardware device called Voltair, which allows broadcasters to artificially improve their stations’ signal pickup? And finally is this the same PPM system which gave four measurement devices to the same household in Tampa and skewed the ratings on an HD side channel station so much that it became the top station in market for W18-34? I could go on with the problems but I think you get my point. Radio has now resorted to the sad business of trying to tear down others while acting like their platform is as pure as the new fallen snow. This latest blog post, covered by both Radio Ink and Inside Radio, is another example. Ick . . . I’m going to take a shower now!
Have a great Wednesday guys!
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