Application Security from the Inside Out: Part 2

Application Security from the Inside Out: Part 2

In my previous post, I addressed four coding policies that almost guarantee a data breach. This post will cover five solution strategies to shore up your application’s security. The guiding principle to correct these flawed policies (see Part 1) is to change the priorities that direct development and support of software applications.…

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Application Security from the Inside Out: Part 1

Application Security from the Inside Out: Part 1

The recent data breach at Equifax is an unfortunate reminder of a long list of hacked sites (Target Stores, OPM, Sony, and others) that were caused by vulnerabilities in the application code. These companies seemed just as surprised as their customers by the attack and had to wonder, “how did this happen?” They did not need to look further than their own unintentional coding policies.…

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The Layman’s Guide to Bitcoin, Alt-Coins, and Blockchain, and What it Means for the Digital Customer Experience

The Layman’s Guide to Bitcoin, Alt-Coins, and Blockchain, and What it Means for the Digital Customer Experience

Bitcoin – we’ve heard so much of the term from news outlets, various blogs, and social media regarding how great (and risk-fraught) of an investment vehicle it’s become. From humble beginnings as a simple depiction of a virtual currency with the usage characteristics of real cash and the potential to become the de facto currency for worldwide transactions, to a storage of wealth that’s grown...

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Top 6 Ways to Combat Change Fatigue

Top 6 Ways to Combat Change Fatigue

When I read Bill’s blog “Where’s the Snooze Button on Change?” I was inspired to write my own perspective on managing change. And then I hit my own snooze button a few times in the last few months due to some competing priorities. Change fatigue is real – and something I observe often at clients.…

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How to Pick the Best Rewards Credit Card for You

How to Pick the Best Rewards Credit Card for You

As a member of the West Monroe Payments Practice, I work with our clients to help them develop payments strategies, products, and partnerships.  As both a professional and a consumer, I am frequently asked about credit card rewards, features, usage best practices, technologies, and more.  Over a series of blog posts, I will examine several of these topics in more depth.…

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Before You Change Your Technology, Change Your Operating Model

Before You Change Your Technology, Change Your Operating Model

The commercial lending industry has experienced tremendous growth in the last decade. Yet, commercial banks have not been at the leading edge of industry-altering changes. Further, the speed of these changes has placed a burden on middle-market and regional banking institutions to rapidly evolve or fall behind. Non-traditional lending sources, with altogether different operating models and...

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Five Reasons to Consider Getting a New Credit Card

Five Reasons to Consider Getting a New Credit Card

As a member of the West Monroe Payments Practice, I work with our clients to help them develop payments strategies, products, and partnerships.  As both a professional and a consumer, I am frequently asked about credit card rewards, features, usage best practices, technologies, and more.  Over a series of blog posts, I will examine several of these topics in more depth.…

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Robotic Process Automation: Beyond the Myth

Robotic Process Automation: Beyond the Myth

The hype surrounding robotic process automation (RPA) continues to grow. It has many people imagining robots along an assembly line, packaging product to be delivered by drones in a matter of minutes. But the reality is that robotic process automation is the next technology automation tool designed to drive better operational efficiency, improve customer experience, and increase employee...

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Good News for Banks and Customers, It’s No Longer a Zero-Sum Game!

Good News for Banks and Customers, It’s No Longer a Zero-Sum Game!

Welcome to 2017, folks! The year is half over and it’s been full of, well, uncertainty. Whether you’re questioning what will come from our current political climate or the fate of foreign relations, one thing you can count on is the Fed raising rates. For the first time in the post Great Recession era, the economy has proven it can withstand the effects of reversing the Quantitative Easing...

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How Mid-Sized Banks Can Compete in the Rapidly-Evolving Payments Industry

How Mid-Sized Banks Can Compete in the Rapidly-Evolving Payments Industry

As anyone who spends money knows, the way we pay for goods and services is shifting rapidly – many consumers are overwhelmed by the variety of options coming from financial institutions, merchants, fintechs, and even smartphone providers. To capture this lucrative market, the payments industry keeps sweetening the pot for consumers, and what were groundbreaking perks and features just two to...

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