DOCSLIB.ORG

Commercial Customer Platform 5.0 User Guide

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Commercial Customer Platform 5.0 User Guide Commercial Customer Platform 5.0 User Guide Table of Contents Commercial Customer Platform..................................................................................1 Business Banking Overview ....................................................................................1 Features and Services.........................................................................................1 Account Usage Restrictions ....................................................................................2 Password Requirements .........................................................................................2 Accessing Cash Management Online Banking...........................................................2 Multifactor Authentication ......................................................................................3 Enhanced Login Security Challenge.........................................................................4 Navigation.............................................................................................................6 Access to Multiple Company Accounts.....................................................................7 Administration .......................................................................................................8 Set Account Name............................................................................................10 Change Timeout...............................................................................................10 Change Company PIN.......................................................................................12 Change My Password........................................................................................13 Change Email Address ......................................................................................14 Set Main Page..................................................................................................14 Manage Security Code Delivery - [customized product name]..............................15 Maintain Security Questions ..............................................................................17 Manage Users ..................................................................................................18 User Activity Reports ........................................................................................43 Account Activities & Reporting..............................................................................49 Account Reporting (Balance Reporting)..............................................................49 Reconciliation Services......................................................................................70 Stop Payments.................................................................................................81 Payments & Transfers..........................................................................................83 Account Transfer..............................................................................................84 Manage Sweeps ...............................................................................................93 Wire Transfer...................................................................................................96 ACH (Automated Clearing House Origination)................................................... 120 Bill Pay .......................................................................................................... 153 Online Requests ................................................................................................153 Request Cash/Change Order Form................................................................... 153 Reorder Checks..............................................................................................155 Request a Photocopy......................................................................................156 Request Account Research.............................................................................. 158 Request Bill Pay Research ............................................................................... 161 Email ................................................................................................................ 163 Help.....................................................................................................................165 Help Menu......................................................................................................... 165 Frequently Asked Questions................................................................................... 167 iii Commercial Customer Platform 5.0 User Guide Internet Browser Errors......................................................................................167 Customer Platform - General .............................................................................. 167 Stop Payments .................................................................................................. 169 Limits and Approvals..........................................................................................169 ACH/File Processing ...........................................................................................170 Wires ................................................................................................................ 172 Enhanced Login Security ....................................................................................173 File Formats.......................................................................................................... 177 ACH Upload File Validation ................................................................................. 177 Create a Delimited ACH Map .............................................................................. 183 Create a Fixed ACH Map.....................................................................................193 ARP File Formats Processing Method A................................................................202 Issues Upload - Processing Method A ..............................................................202 Method A- ASCII Text - Comma Delimited .......................................................203 Method A - ASCII Text - Fixed Column Length ................................................. 204 ARP Issues Register Export ............................................................................. 205 Comma Delimited...........................................................................................205 ARP File Formats Processing Method B................................................................206 Issues Upload - Processing Method B ..............................................................206 Method B- ASCII Text - Fixed Column Length................................................... 207 Method B - ASCII - Text Comma Delimited ......................................................208 Glossary............................................................................................................ 209 Glossary ........................................................................................................ 209 Glossary ............................................................................................................... 213 iv Commercial Customer Platform Business Banking Overview The Business Banking system has been designed as a secure, password- protected area within your organization’s Web site. The Business Banking system allows you to perform a variety of cash management tasks. Features and Services The features and services of the Commercial Customer Platform are accessed via the Main Menu and include the following: Administration- offers a full suite of administrative functions including end user maintenance, activity reporting, account maintenance, password modification, and the inactivity timeout setting. Your company administrator has access to all of the Administration options. Account Activities & Reporting - provides summary information at a glance and also allows a drill-down into additional detail for a specific account. For added convenience and utility, the Account Summary page may be is customized by using the Create Reports feature. Your paper statement can also be viewed online within this service group. Account Transfers - allows you to move funds between accounts within the same financial institution. Transfers can be scheduled for the current day, a date in the future or on a recurring basis. Wire Transfer - moves funds between accounts that are within different financial institutions. Stop Payment - allows you to place stops on an individual check or a range of checks. ACH - allows you to create ACH files and submit them to your financial institution. Tax Payment (EFTPS) - allows you to create Electronic Federal Tax Payments and submit them to your financial institution . Online Services - provides a direct request channel for financial institution services: photocopies of checks or statements, investigation of questionable transactions, online cash/check orders, and requests to stop receiving paper statements for select accounts. Reconciliation Services – allows you to import an Issues Register file, manually input issues and display and make decisions on exception items. (Exceptions processing feature is dependent on your FI’s processing method.) Email - provides a direct link between you and your financial institution. 1 Commercial Customer Platform 5.0 User Guide Bill Pay The Bill Pay service allows you to pay bills online;
Load more

Recommended publications
  • An Empirical Analysis of New Zealand Bank Customers' Satisfaction
    View metadata, citation and similar papers at core.ac.uk brought to you by CORE provided by Lincoln University Research Archive Lincoln University Digital Thesis Copyright Statement The digital copy of this thesis is protected by the Copyright Act 1994 (New Zealand). This thesis may be consulted by you, provided you comply with the provisions of the Act and the following conditions of use: you will use the copy only for the purposes of research or private study you will recognise the author's right to be identified as the author of the thesis and due acknowledgement will be made to the author where appropriate you will obtain the author's permission before publishing any material from the thesis. AN EMPIRICAL ANALYSIS OF NEW ZEALAND BANK CUSTOMERS’ SATISFACTION _______________________________________________________ A thesis submitted in partial fulfillment of the requirements for the Degree of Master of Commerce and Management at Lincoln University by Jing Wei _______________________________________________________ Lincoln University 2010 Abstract of a thesis submitted in partial fulfilment of the requirements for the Degree of M.C.M AN EMPIRICAL ANALYSIS OF NEW ZEALAND BANK CUSTOMERS’ SATISFACTION By Jing Wei It is important that banks deliver quality services which in turn results in customer satisfaction in today’s competitive banking environment. Within the New Zealand financial service market, competition is deemed to be strong given that there have been new entrants into the market as well as mergers and acquisition and exits over the last ten years (Chan, Schumacher, and Tripe, 2007). In order to retain the customers, customer satisfaction becomes a crux issue to bank management.
    [Show full text]
  • ID Proxy Initiatives Across the Globe an Analysis
    ID proxy initiatives across the globe An analysis November 2019 Authors Barry Cooper Laura Muñoz Perez Antonia Esser Michaella Allen Nolwazi Hlophe Matthew Ferreira Cenfri Tel. +27 21 913 9510 Email: [email protected] The Vineyards Office Estate Farm 1, Block A 99 Jip de Jager Drive Bellville, 7530 South Africa PO Box 5966 Tygervalley, 7535 South Africa www.cenfri.org i Foreword by BankservAfrica A transformed payments ecosystem is imminent in South Africa. Following the impetus created by the South African Reserve Bank’s Vision 2025, BankservAfrica and the Payments Association of South Africa, together with the South African payments industry, have been clarifying and defining a plausible path for transformation in South Africa. Beginning in 2017 with the joint BSA-PASA research programme that produced our 3-part study of modernization efforts world-wide (brought together under the heading “Modernising Payments Systems” and available on our web-site), BankservAfrica has taken a key role in providing research to the industry that it topical, pertinent, and applicable. In the last year, the South African payments industry has increasingly shifted its focus towards instant payments for the digitally connected economy, while addressing the persisting issue of financial inclusion in South Africa. Through extensive work done in the industry, co-ordinated and facilitated by the Payments Association, proxy and addressing services have been identified as a critical lever for adoption of instant or near-instant payments services. Proxy services allow payments to be successfully made using only an agreed identifier, such as mobile number, or a national identity number. By doing so, they remove much of the consumer friction currently associated with electronic payments.
    [Show full text]
  • Appendices 2 - 7
    UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF NEW YORK ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐ x : In re : Chapter 11 Case No. : LEHMAN BROTHERS HOLDINGS INC., : 08‐13555 (JMP) et al., : : (Jointly Administered) Debtors. : ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐ x REPORT OF ANTON R. VALUKAS, EXAMINER Jenner & Block LLP 353 N. Clark Street Chicago, IL 60654‐3456 312‐222‐9350 919 Third Avenue 37th Floor New York, NY 10022‐3908 212‐891‐1600 March 11, 2010 Counsel to the Examiner VOLUME 7 OF 9 Appendices 2 - 7 EXAMINER’S REPORT TABLE OF APPENDICES VOLUME 6 Tab 1 Legal Issues VOLUME 7 Tab 2 Glossary, Acronyms & Abbreviations Tab 3 Key Individuals Tab 4 Witness Interview List Tab 5 Document Collection & Review Tab 6 Lehman Systems Tab 7 Bibliography VOLUME 8 Tab 8 Risk Management Organization and Controls Tab 9 Risk Appetite and VaR Usage Versus Limits Chart Tab 10 Calculation of Certain Increases in Risk Appetite Limits Tab 11 Compensation Tab 12 Valuation - Archstone Tab 13 Survival Strategies Supplement Tab 14 Valuation - CDO Tab 15 Narrative of September 4 Through 15, 2008 Tab 16 Valuation - Residential Whole Loans i Tab 17 Repo 105 Tab 18 Summary of Lehman Collateral at JPMorgan Tab 19 Lehman’s Dealings with Bank of America Knowledge of Senior Lehman Executives Regarding The Tab 20 Inclusion of Clearing-Bank Collateral in the Liquidity Pool Tab 21 LBHI Solvency Analysis Tab 22 Preferences Against LBHI and Other Lehman Entities VOLUME 9 Analysis of APB, Journal Entry, Cash Disbursement, and Tab
    [Show full text]
  • RDC Summit 2011 – Attendee List
    RDC Summit 2011 – Attendee List Company Title City State 1st Constitution Bank Vice President/Head of Deposit Operations Cranbury NJ 1st Constitution Bank Vice President Cranbury NJ 1st Enterprise Bank Vice President/Electronic Banking Manager Los Angeles CA 3i Infotech First Vice President Blue Bell PA 3i Infotech Vice President of Sales Blue Bell PA 3i Infotech Senior Project Manager Blue Bell PA 3i Infotech Business Development Specialist Blue Bell PA AlixPartners, LLP Managing Director Boston MA All My Papers Product Support Specialist Gualala CA All My Papers Marketing & Sales Gualala CA Ally Bank Charlotte NC Andrews Federal Credit Union Payment Systems Manager Waldorf MD Bank Midwest Electronic Banking Sales Manager Fairmont MN Bank of America Senior Vice President Jacksonville FL Bank of America VP, Senior Product Manager East Bridgewater MA Bank of America Vice President- SB eProduct Manager Charlotte NC Bank of the West Lockbox Product Manager, VP Monterey Park CA BankFIRST VP, Business Solutions Manager Orlando FL BankNews Media Executive Editor Shawnee Mission KS BankServ VP, Sales, West Las Vegas NV BankServ Sales Las Vegas NV Bay Cities Bank VP, Cash Management Tampa FL Benchmark Technology Group Product Manager Alpharetta GA Benchmark Technology Group Customer Support Director Alpharetta GA BLM Technologies VP, Sales & Marketing Plymouth MN BLM Technologies Senior Sales Representative Chesterfield MO Bluepoint Solutions Executive Vice President Vista CA Page 1 RDC Summit 2011 – Attendee List Bluepoint Solutions Communications
    [Show full text]
  • ACI Worldwide, Inc. 2016 Annual Report
    2016 ANNUAL REPORT ENABLING REAL-TIME ELECTRONIC PAYMENTS FOR ANYONE, ANYWHERE, AT ANY TIME The payments landscape is moving to real time, and ACI is leading the way. Our unique Universal Payments® (UP®) software powers global eCommerce by equipping financial institutions, intermediaries and merchants with the ability to deliver real-time, any-to-any payments that are reliable, efficient and highly secure. Available through ACI’s private cloud or managed on customers’ premises, UP solutions offer access to more payment endpoints and services than any other provider — enabling our customers to create the innovative products and services needed to stand out in today’s competitive market. 2016 marked an important year in the continued buildout of UP solutions for customers both in the cloud and on premise, with ACI answering the call for innovation across eCommerce, immediate payments, retail payments, transaction banking, bill payments and more.” Philip G. Heasley President and Chief Executive Officer FELLOW STAKEHOLDERS Decisions (ReD) and the 2015 acquisition of PAY.ON. This solution helps merchants overcome the challenges Electronic payment systems are the backbone of global of accepting locally-preferred payment methods as well commerce. These systems must function very quickly, as cross-border payments processing with integrated seamlessly, securely and reliably without regard to where fraud management. Since the launch, the solution has a transaction is initiated or completed. won numerous industry awards and seen rapid adoption throughout the world. Universal connectivity ACI’s Universal Payments (UP) solutions deliver the Milestone year for UP Retail Payments™ universal connectivity needed to make real-time electronic solution adoption payments possible by anyone, anywhere, at any time.
    [Show full text]
  • The Study of Service Quality in Libyan Commercial Banks
    University of Huddersfield Repository Elmadani, Mohamed The Study of Service Quality in Libyan Commercial Banks Original Citation Elmadani, Mohamed (2015) The Study of Service Quality in Libyan Commercial Banks. Doctoral thesis, University of Huddersfield. This version is available at http://eprints.hud.ac.uk/id/eprint/28323/ The University Repository is a digital collection of the research output of the University, available on Open Access. Copyright and Moral Rights for the items on this site are retained by the individual author and/or other copyright owners. Users may access full items free of charge; copies of full text items generally can be reproduced, displayed or performed and given to third parties in any format or medium for personal research or study, educational or not-for-profit purposes without prior permission or charge, provided: • The authors, title and full bibliographic details is credited in any copy; • A hyperlink and/or URL is included for the original metadata page; and • The content is not changed in any way. For more information, including our policy and submission procedure, please contact the Repository Team at: [email protected]. http://eprints.hud.ac.uk/ The Study of Service Quality in Libyan Commercial Banks Mohamed Ammar Elmadani A thesis submitted to the University of Huddersfield in partial fulfilment of the requirements for the degree of Doctor of Philosophy The University of Huddersfield Business School August 2015 i ABSTRACT Banking services are perhaps the largest industry that caters to -the needs of various segments of the population reflecting the diverse Diasporas of the society. Moreover perceived service quality tends to play a significant role in high involvement (high, interaction between customers and service providers) industries like banks.
    [Show full text]
  • 6 .Payment Cards and Interchange Non-Confidential
    Chapter 6 Payment Cards and Interchange Contents 6.1 Introduction and synopsis .....................................................................................228 6.1.1 Evolution of means of payment and arrangements between banks ..............228 6.1.2 What is interchange? ....................................................................................229 6.1.3 Three-party (“closed”) and four-party (“open”) card schemes........................230 6.1.4 Necessity of interchange in principle.............................................................232 6.1.5 Danger of abuse and how best to prevent it..................................................234 6.1.6 A transparent and objective interchange methodology..................................236 6.1.7 Interchange and other payment streams.......................................................237 6.1.8 Card scheme rules .......................................................................................237 6.2 Payment cards in South Africa ..............................................................................237 6.2.1 Types of cards and card transactions ...........................................................237 6.2.2 Global development of payment cards and electronic payments...................238 6.2.3 Card issuing in South Africa..........................................................................241 6.2.4 Continued predominance of cash .................................................................245 6.2.5 Global strength of Visa and MasterCard .......................................................256
    [Show full text]
  • Case:12-24882-ABC
    Case:12-24882-ABC Doc#:804 Filed:02/07/13 Entered:02/07/13 16:53:05 Page1 of 129 1ST MAIN CONDOMINIUM ASSOC 3E COMPANY CORP 3E COMPANY CORP 27 MAIN ST 1905 ASTON AVE 3207 GREY HAWK CT STE 200 C/O INN AT RIVERWALK PROP MGMT SUITE 100 CARLSBAD, CA 92010-6664 EDWARDS, CO 81632 CARLSBAD, CA 92008 A GREAT TIME DJS INC AAA STEAM SAUNA INC AARIF MOONIRA BARMA PO BOX 2202 7301 BROADWAY APARTMENT 8B 8TH FLOOR AVON, CO 81620 DENVER, CO 80221 ROSE COURT BLOCK B 115 WONG NAI CHUNG HONG KONG AARON JOHNSON AARON SPEISMAN ABBY MILLER 1956 SOUTH OGDEN ST 5845 NW 23RD TERRACE 3811 TURTLE CREEK BLVD SUITE 250 DENVER, CO 80210 BOCA RATON, FL 33496 DALLAS, TX 75219 ABBY MILLER ABUNDANCE WEALTH COUNSELORS ACCLIMATE HEATING COOLING 4419 BUENA VISTA 11 232 REGENT COURT STATE PO BOX 2011 DALLAS, TX 75205 COLLEGE, PA 16801 EAGLE, CO 81631 ACCUPRODUCTS INTL ACTUAL TALENT ACUSHNET COMPANY PRECISION TOOL PRODUCTS CORP PO BOX 24167 ATTN RYAN J BOUCHARD 7836 BETHEL CHURCH RD DENVER, CO 80224 PO BOX 965 SALINE, MI 48176 FAIRHAVEN, MA 02719 ADAIR SMITH ANN ADAM ELLEN BEREN ADAMS GOLF LTD 78 WILDCAT STREET 1739 N DUCKCROSS COVE MONICA EDWARDS, CO 81632 WICHITA, KS 67206 PO BOX 951897 DALLAS, TX 75395-1897 ADDISON LAW FIRM ADDISON PIPER ADERSON RUDOLPH 14901 QUORUM DRIVE 2905 WILLOWOOD FARM RD 905 BAY BLVD SUITE 650 HAMEL, MN 55340-9518 LAVALLETTE, NJ 08735-2204 DALLAS, TX 75254 ADOLF KIEFER ASSOC INC ADP INC ADP INC 1700 KIEFER DRIVE PO BOX 31001 1568 PO BOX 31001 1568 ZION, IL 60099 PASADENA, CA 91110-1568 PASADENA, CA 91110-1568 ADP INC ADP TIME ATTENDANCE ADP TOTAL
    [Show full text]
  • Competition and Regulation in Retail Banking 2006
    Competition and Regulation in Retail Banking 2006 “ ” Unclassified DAF/COMP(2006)33 Organisation de Coopération et de Développement Economiques Organisation for Economic Co-operation and Development 27-Oct-2008 ___________________________________________________________________________________________ English, French DIRECTORATE FOR FINANCIAL AND ENTERPRISE AFFAIRS COMPETITION COMMITTEE Unclassified DAF/COMP(2006)33 Cancels & replaces the same document of 22 November 2007 COMPETITION AND REGULATION IN RETAIL BANKING French English, JT03253868 Document complet disponible sur OLIS dans son format d'origine Complete document available on OLIS in its original format DAF/COMP(2006)33 FOREWORD This document comprises proceedings in the original languages of a Roundtable on Competition and Regulation in Retail Banking held by the Competition Committee in October 2006. It is published under the responsibility of the Secretary General of the OECD to bring information on this topic to the attention of a wider audience. This compilation is one of a series of publications entitled "Competition Policy Roundtables". PRÉFACE Ce document rassemble la documentation dans la langue d'origine dans laquelle elle a été soumise, relative à une table ronde sur la concurrence et la réglementation dans le secteur de la banque de réseau, qui s'est tenue en octobre 2006 dans le cadre du Comité de la concurrence. Il est publié sous la responsabilité du Secrétaire général de l'OCDE, afin de porter à la connaissance d'un large public les éléments d'information qui ont été réunis à cette occasion. Cette compilation fait partie de la série intitulée "Les tables rondes sur la politique de la concurrence". Visit our Internet Site -- Consultez notre site Internet http://www.oecd.org/competition 2 DAF/COMP(2006)33 OTHER TITLES SERIES ROUNDTABLES ON COMPETITION POLICY 1.
    [Show full text]
  • Mastercard Inc
    MASTERCARD INC FORM 10-K (Annual Report) Filed 02/14/14 for the Period Ending 12/31/13 Address 2000 PURCHASE STREET PURCHASE, NY 10577 Telephone 9142492000 CIK 0001141391 Symbol MA SIC Code 7389 - Business Services, Not Elsewhere Classified Industry Consumer Financial Services Sector Financial Fiscal Year 12/31 http://www.edgar-online.com © Copyright 2014, EDGAR Online, Inc. All Rights Reserved. Distribution and use of this document restricted under EDGAR Online, Inc. Terms of Use. Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2013 Or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-32877 MasterCard Incorporated (Exact name of registrant as specified in its charter) Delaware 13-4172551 (State or other jurisdiction of (IRS Employer incorporation or organization) Identification Number) 2000 Purchase Street 10577 Purchase, NY (Zip Code) (Address of principal executive offices) (914) 249-2000 (Registrant’s telephone number, including area code) Title of each Class Name of each exchange on which registered Class A common stock, par value $0.0001 per share New York Stock Exchange Securities registered pursuant to Section 12(g): Class B common stock, par value $0.0001 per share Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.
    [Show full text]
  • Be Prepared: Smart POS Planning
    The Financial Services Industry Source for Education, Inspiration and Actionable Advice October 8, 2001 Issue 01:10:01 Be Prepared: Smart POS Planning Inside This Issue: question compelling, particularly s we noted in our third when the business has multiple ter- quarter GSQ, Visa has Features minal types and even manufacturers announced that three to in use. Some Merchants Pass on Visa’s four issuers will deploy Latest Price Hike A 70 million smart cards in the U.S. by by Patricia A. Murphy ........................9 While I certainly would not say that IrFM Messaging Standard 2005. While this does not mean that my August/September trip was a Ready to Test the Waters smart cards are finally going to be as by H.R. Damon González Jr ..........21 working vacation, I did travel for the common a household item as a first time with no travelers checks toothbrush, it will be something that and almost no U.S. cash, testing my Company Profiles ISOs can really get their teeth into ability to travel extensively on plas- POS Portal ........................................27 from a terminal sales Miva ................................................31 point of view. Europe is far News While I have been ahead of the U.S. Banking Software Developer Enters as skeptical as any- Conversion Game..........................13 in smart card Under-a-Buck Wonder.......................14 one about both the processing Givex To Release Gift Card time it will take for Software Application .....................16 smart cards to be John Marshall Leaves Hypercom, seen in any signifi- Joins Blackstone ............................17 cant number in the New Products U.S.
    [Show full text]
  • Online Banking Benefits for Financial Institutions
    SINCE 1994, THE EXCLUSIVE MONTHLY REPORT ON INTERNET BANKING PRODUCTS & MARKETS Number 170 & 171 August 18, 2009 STRATEGIES FOR 2010 Product, Pricing & Strategy Guide FINANCIAL Your roadmap for business planning INSTITUTIONS ____________________________ n the 15 years we’ve published ONLINE BANKING REPORT, there have been several tricky planning periods: 1999 (Y2K), 2001 (9/11) I and 2002 (recession). But last year was the worst overall. It’s not Internet banking easy tweaking a spreadsheet when the banking world is in free fall. Web services While many economic indicators appear to be stabilizing, we are still headed in to a challenging planning cycle. There are enormous Bill payment unanswered questions about consumer and corporate credit Email quality, unemployment rates, economic growth, interest Innovations rates, inflation, and government intervention. Online marketing But for those working in alternative delivery, it should Interactive lending be a good year. Capital- constrained banks will be looking more towards the online and mobile channels INSIDE to drive revenues and corral costs. The era of massive branch openings to grow deposits has passed, and even growth through The Plan acquisition may be off the table for a few years, at least for the Online banking FI benefits ...2 banking giants under close government supervision. Why innovate? ..........................3 Consumers are watching their finances like never before and are Generating ideas .....................7 interested in online and mobile services that help keep close tabs on Creating the Amazon.com spending and saving. And even though the U.S. stock market has had of financial services ........12 a bit of a rebound, FDIC-insured deposits are still more popular than 20 online winners for 2010.15 they’ve been in decades.
    [Show full text]