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Amazon Go got right what mobile wallets didn't

December 11 · Issue #62 · View online
Tearsheet Weekly Newsletter
U.S. Bank's approach to social intelligence
U.S. Bank has created a continuous marketing feedback loop. Whether it’s stadium sponsorships like the bank did with the Minnesota Vikings or an awareness campaign on Twitter, the firm turns big data into actionable insights to be used across the organization.
Customers dig the new Bank of Hawaii branch design
You’d think a bank branch of tomorrow would be focused on all sorts of futuristic fintech. Bank of Hawaii’s new branches keep customers firmly in the center. With little visible tech, tellers also make their way out of hiding.
Inside MassMutual's fintech startup
U.S. insurers, many of whom are over 100 years old, are trying to figure this whole innovation thing out. MassMutual has developed a couple of new online brands, including an in-house startup. Tradestreaming talks with Haven Life’s CEO about the future of insurtech.
Mobile payments year in review
It’s been an up and down year for mobile payments. Consortia were formed and disbanded, former enemies came together, and mobile wallets at the POS are still stuck in neutral. Here are the best and worst moments for mobile payments during 2016.
Are there real world blockchain applications yet?
Blockchain technology is still too immature to go to market for many use cases. In this week’s podcast, ACI’s head of digital banking solutions names a few areas he sees more ready for primetime.
Ameritrade's upgrades research with crowdsourced earnings data
Individual investors are being treated to an investment platform upgrade cycle that closes the gap between the tools available to them and professional investors. Ameritrade, for example, has integrated data from Estimize, a firm that crowdsources earnings and revenue estimates.
Amazon Go got right what mobile wallets didn't
Amazon Go gets everyone juiced on future in-store payments
Why did millions of people positively freak out when they saw a video of Amazon’s prototype Go store? Why does no one really get excited about mobile wallets? That’s because Amazon understands exactly which problem it’s solving for customers. Wallets haven’t figured that out yet.
Yes, you can put tuna, pork, and diamonds on a blockchain
There are many cases where knowing exactly where a product came from matters. A lot. Blockchain, in addition to the many purely financial use cases it speaks to, can also be very helpful when it comes to determining authenticity of physical products. But using it will require supply chains to work together.
Fintech is decidedly not funny
When it comes to making good, memorable creative that people remember, fintech hasn’t found its funny bone. Whether it’s commercials or funny social media memes, fintech needs to up its game if it wants to have the same impact other digital movements have had.
CNN’s Cristina Alesci: Make banking authentic again
CNN's Cristina Alesci on the financial industry
“Wall Street still sounds like a 1980s scene from a movie about Wall Street.” Cristina is a television and digital correspondent for CNN and CNNMoney and joined us on the Tradestreaming Podcast to discuss the industry.
Chart of the week: VC backed fintech investment falls (again)
CB Insights on Q3 16 fintech investing trends
CB Insights hosted a webinar this week highlighting fintech investing trends for the quarter. After hitting a high in the beginning of 2016, the spigot has closed somewhat as less money flows towards fintech.
What we're reading this week
  • Messaging platform Viber gets banking chatbot (Banking Technology)
  • US consumers won’t change payment habits (The Financial Brand)
  • Real-time financial data aggregator Finicity lands $42 million led by Experian (Finovate)
  • Automated assistants will soon make a bid for your finances (NYT)
  • Starbucks introduces voice payment feature (Bank Innovation)
  • Digital challenger bank N26 goes pan-European (Banking Technology)
  • Digital challenger Atom Bank starts mortgage lending (Telegraph)
  • Alipay signs deals for European expansion (FT)
  • TD for Me, TD Bank’s ‘digital concierge’, nears 1 million users (Bank Innovation)
  • Hackers steal $300k from one of blockchain’s biggest VCs (CoinDesk)
  • Deutsche Bank doubles down on fintech with new tech hires  (WSJ)
  • Gift cards, rewards coming to Apple Pay thanks to Blackhawk Network (Mobile Payments Today)
  • Why millennials flock to fintech for personal investing (Forbes)
  • OCC unveils plan to charter fintech companies as special purpose national banks (Lexology)
  • Citi’s fintech group launches first product, a new mobile app (TechCrunch)
  • Zopa puts retail investors on hold as borrowers dry up (FT)
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