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Business banking 0 Comment

Business Banks Still Struggling With Digital Customer Experiences

With over 50% of small businesses considering a banks’ user experience when selecting a partner, it’s critical that banks begin to make changes to how customers apply for their products. A few important statistics from the webinar highlight the most important areas of improvements for financial organizations: 77% of business banking products don’t offer the option to apply online; 99% of business banking products don’t offer mobile responsive experiences for new product applications; In our study, we found that there is an…

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Business banking 0 Comment

5 Critical Digital Banking Innovations You Don’t Want to Ignore

70% of potential checking account applicants say they would prefer to submit a digital application over a physical one if given the choice. The good news is that while most banks offer online account opening, only 17% of the largest banks in the US, UK, and Australia offer a true mobile new account opening process. This resulting gap means that banks have some serious work to do.  Over 60% of consumer applications for auto loans, mortgages, and credit cards are now…

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Business banking 0 Comment

Top 5 Fallacies of Small Business Banking

Are you a small business lender or about to step into the small business market? Maybe you’ve heard from colleagues that the small business banking space is fraught with dangers for the unwary. The purpose of this blog is to dispel some common misconceptions about small business banking. In honor of David Letterman who made count down lists an art form, here the top 5 fallacies of small business lending. Small business isn’t impacted by the economy. Small businesses that…

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Car insurance 0 Comment

What Drivers Need to Know About Non-Owner Car Insurance

Even if you don’t own a car, you might need your own auto insurance coverage. A special kind of policy called non-owner car insurance should fit the bill. Non-owner car insurance provides liability coverage when you’re renting a vehicle or borrowing someone else’s car. This liability coverage pays for injuries and property damage that you cause to other drivers and their passengers. A non-owner auto insurance policy might be right for you if: You’ve been convicted of a DUI or…

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Car insurance 0 Comment

Find the Best Cheap Car Insurance

Whether you’re buying only liability insurance or a full coverage car insurance policy, the thought of cheap car insurance is enticing. And there’s no better way to find the best deal than by shopping around and comparing quotes. To help you find the cheapest car insurance, NerdWallet did a car insurance comparison of rates for incident-free drivers from the five largest auto insurers across the 12 most populous states in the country. Here’s how the big guys stack up. » COMPARE:…

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Car insurance 0 Comment

How to Save on Auto Insurance

No, this isn’t a plug for a specific insurance company. It’s more of a plug on how you can put more money into your pocket by following a few simple steps to lower your auto insurance premium without sacrificing the importance of liability coverage. Consider raising your deductibles. If you’ve never been in an accident or it’s been quite a long time since your last accident then chances are you’re paying too much if your deductibles are low – anywhere…

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Mortgage 0 Comment

Today’s Mortgage Rates Analysis

What’s Impacting Today’s Rates? Today’s mortgage rates are lower. This morning, December Pending Home Sales declined 2.5% from October, below the consensus for an increase of 0.5%. As a mortgage rate shopper, it’s important to know when today’s rates are changing. This is because, when mortgage rates change, mortgage lenders will not honor rate quotes which have not been previously “locked”. To lock today’s mortgage rates, then, be sure to commit with your lender before current rates begin to move. Whether you’re…

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Mortgage 0 Comment

Mortgage Rate Surveys: Where Are Today’s “Real” Mortgage Rates?

Which Mortgage Rate Surveys Are Best? It’s hard to window shop for mortgage rates anymore. Markets have changed and so do rates — sometimes four or five times per day. So, when you’re looking for “ballpark mortgage rate”, where do you do turn? A great mortgage lender will want your information before giving you a quote, because great lenders know rates depend on factors like loan amounts, property types and credit scores. And, bad lenders — well, nobody wants to work with…

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Mortgage 0 Comment

Qualifying for A Mortgage: What Mortgage Lenders Don’t Consider

Qualifying For A Mortgage Is Not Mysterious As an applicant, qualifying for a mortgage can be an unnerving experience. Before trusting you with their money, lenders seem to probe every corner of your life. What are they looking for? More importantly, what sort of black mark prompts underwriters to grab their “DECLINED” stamps? It’s actually a fairly transparent process. Let’s explode some of the myths and uncover what really counts. Click to see today’s rates (Dec 28th, 2016) Race And Color The standard home loam…

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Home insurance 0 Comment

The Big DIY Projects That Will Save on Insurance

Set down your tablet. The truth is you can tackle that Do-It-Yourself (DIY) project you love on Pinterest. What’s better — it could save you money on your insurance premiums. Home improvements, whether it’s remodeling to sell or regular repairs, are part of being a homeowner, and with the creative help of sites like beloved Pinterest, it has become an even more desirable option to take on a home improvement project rather than call a plumber or electrician. “The key…