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  • Friday, August 2, 2024

    Quick takes: Things that caught our eye this week

    This week we've highlighted research affirming the appeal of digital banking, a call for better frameworks for open banking and smart data initiatives as a new government takes charge in the UK, an alternative to traditional paid social and search advertising, and a new resource from The Clearing House on real time payments.

    Study underscore the growing appeal of digital banking

    New data from YouGov revealed insights into Americans' banking preferences, highlighting a trend toward digital-only banking and the features consumers value most. According to the data, 78 percent of American adults have a checking account, while 30 percent have an account with a digital-only bank.

    Among key findings, 55 percent of digital-only bank customers cited the ease of money transfers as their primary reason for banking online. Additionally, 48 percent said they appreciated the ease of setting up an account, and 47 percent indicated they valued the user-friendly mobile and online apps provided by digital banks.

    For traditional checking account holders, the most crucial feature was online and mobile banking, valued by 68 percent of respondents. Low or no monthly maintenance fees were important for 66 percent, while 58 percent prioritized ATM access.

    UK's open banking, smart data initiatives at 'inflection point'

    With a new government taking shape in the UK, Chris Michael, CEO and co-founder of Ozone API, shared insights on the status of the UK's open banking and smart data initiatives.

    "As the UK sees in a new Government, the UK's open banking and smart data initiatives are at an important inflection point," he wrote. "Recently, the then Conservative Government launched policies including a Smart Data Roadmap and a new open finance taskforce, under the Data Protection and Digital Information Bill (DPDI). 

    "These were certainly signals that policymakers have heard industry calls for better frameworks to be put in place around open banking and finance specifically. But there's a long way to go for the open data economy to be realised and the new government must keep up this momentum to avoid losing progress.

    "Ultimately, what we should be working towards is a single global framework for open data. That's a gargantuan task but its impact would be huge. The Open Wallet Foundation, the Open Data Institute and the OpenID Foundation are all doing some great work in this space, but the challenge remains that 'open' is not the best term to use with consumers, as it incorrectly implies a lack of data privacy and governance.

    "As we extend open banking into open finance and ultimately the open data economy, one of the big challenges is that more and more regulators must be involved. It's great that we're seeing more support across government, but policy gridlock has so far held it back. We need one body to take responsibility for moving this forward – and the new government has a unique opportunity to do so now, helping the UK take the next step on this journey." 

    ShopMy offers guaranteed social mentions

    ShopMy launched ShopMy Opportunities, a digital marketing tool that offers an alternative to traditional paid social and search advertising. This feature allows brands to offer fixed payments to creators for authentic social mentions, ensuring creators maintain full creative control and receive guaranteed income. It enhances the company's existing suite of tools, including paid campaigns, affiliate marketing, and gifting, all supported by data analytics and scalability, ShopMy stated.

    Key benefits and features ShopMy listed include an automated process, proven ROI and empowerment for creators. For brands, ShopMy Opportunities signifies a major shift in digital marketing, providing a streamlined, organic approach to content placement and high-quality engagement without the complexities of traditional contracts or content approvals, according to ShopMy. "This hybrid model marks a significant evolution in digital marketing strategies," ShopMy stated.

    A new RTP resource

    The Clearing House created a real-time payments newsletter that promises to provide up-to-date information to bankers, payments experts and members of the media. Called The Real-Time Rundown, it is delivered monthly and often includes content from the media outlets that cover instant payments and banking. To receive the newsletter, subscribe at www.surveymonkey.com/r/RealTimeRundown

    Whether you want to upgrade your POS offerings, find a payment gateway partner, bone up on fintech regs or PCI requirements, find an upcoming trade show, read about faster payments, or discover the latest innovations in merchant acquiring, The Green Sheet is the resource for you. Since 1983, we've helped empower and connect payments professionals, starting with the merchant level salespeople who bring tailored payment acceptance and digital commerce tools, along with a host of other business services to merchants across the globe. The Green Sheet Inc. is also a proud affiliate of Bankcard Life, a premier community that provides industry-leading training and resources for payment professionals.

    Notice to readers: These are archived articles. Contact information, links and other details may be out of date. We regret any inconvenience.

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