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Steve Cochio, previously from American Banker and now at The Financial Brand, writes a lot about Zelle.  His insights are useful in developing a deeper understanding of how Zelle fits into your bank’s payment strategy.  The article below is based upon his most recent report. Zelle began as the banking industry's answer to PayPal, Venmo, Cash App, Apple Cash and more. Usage continues to grow among consumers and, lately, small businesses too.  Five years in,…

 We live in an age of over-communication.  Our senses are overloaded daily by a barrage of words, pictures, videos, pop-ups, commercials and more, all vying for our attention.  As a result, we pay less and less attention to more and more communication. How does one penetrate this enormous multitude of words effectively and capture the recipient’s attention?  It’s a question we ask ourselves daily across numerous contexts. A new book, Smart Brevity, written by Jim…

All companies have an implied promise in their brand. For many, the brand is just a word. For others, it represents a commitment to something specific - service, the environment, innovation etc. Most non-universal banks make their brand promise explicit through a mission statement, vision and strategic goals. They look to service as a primary differentiator, and translate it into their culture-related principles and documents. The words typically used to describe the experiences guided by…