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Retail Banking

Distinct shift seen from physical to digital formats
4 checklists help frame it and point the way
New technologies to speed lending process
Near field plus host-card emulation opens door for banking/payment apps
Usage, fraud protection, EMV, and rewards all gain
Timing of rate rise more on savers’ minds
SNL Report: Snatching some of GM’s business helps
Transactions seen giving way to contextual banking
“The customer is not a transaction, but an ongoing dialogue”
Will concentrate on application to unbanked, privacy, security, money management
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