For decades, community banks and credit unions were the go-to providers of home and auto loans, checking and savings accounts, and other financial services for many consumers. In recent years, though, technological advances have paved the way for new entrants and delivery channels, transforming the industry landscape and account holders’ service expectations.Some of those emerging competitors have made the most of huge marketing budgets to tout the ease and convenience of their business models. Quicken Loans has heavily promoted its Rocket Mortgage brand to become the nation’s largest home mortgage lender, largely on the strength of an advertising presence that accounts for 70 percent of total TV spend in that category. In just over 11 weeks in 2019, according to an analysis by Kantar Media, Quicken Loans spent $57.3 million on televised commercials, including Super Bowl ads and primetime fare featuring superheroes, comedians, and even Yogi Bear.Alternative lenders dominate paid search advertising as well, with LendingTree and Quicken Loans accounting for more than 47 percent of ad clicks for searches on terms like “mortgage rates,” “mortgage calculator,” and “first time home buyer.” That combination of traditional and online advertising has allowed Quicken Loans to continue to build on its success, posting an all-time high $32 billion in mortgage volume for the second quarter of 2019 alone.The online lender’s chief claim to fame is the promise of simplifying what has long been viewed as a complex process. The potential to submit a home loan application on the Rocket Mortgage mobile app and get approved in under eight minutes appeals to time-starved, financially savvy consumers.Delivering truly personal service On the other hand, a lot of prospective borrowers, especially those buying their first home, don’t want to make a snap decision about the biggest financial commitment of their lives. For people who appreciate personalized guidance from experienced professionals about big decisions like what type of mortgage will be their best option, a visit to their neighborhood branch remains a much-appreciated service.The emphasis here is on personal service from friendly employees who understand what account holders need and can deliver on their expectations in a timely and competent manner. No one wants to wait in line or sit in the lobby surrounded by other people with no idea when their turn will come. No one wants to be passed from one employee to another until they land with someone who can provide the assistance they have requested.The reality is that traditional financial institutions may have contributed to the perception that branch visits are a chore to be avoided rather than an opportunity to consult a trusted financial advisor on important decisions. People can walk out of a branch fretting about wasted time or being treated like just another account number—or they can leave feeling like a valued customer and more confident about their finances.Transforming the branch experience Just as technology elevated remote delivery of financial services, community banks and credit unions can launch a digital transformation of their branch experience—and in the process reclaim their territory as advocates for their customers’ and members’ financial well-being.An appointment-scheduling app invites account holders to plan visits at times that suit their busy calendars so they can bypass the waiting area and connect promptly with financial professionals specifically trained and qualified to provide the services they’re seeking. With advance notice on the assistance people have requested, those professionals can be prepared with the information and documents to make those interactions efficient and productive.For account holders who prefer not to schedule appointments in advance, a lobby tracker system can improve their branch experience through advances in queue management. For example, new functionality in Kronos Customer Connection solution invites members to activate text messaging when they check in for customized confirmation and for alerts when they are next in line.The better-informed people are about their place in the queue, the more they feel in control about their options on how they spend their time. They could schedule an appointment to return later or sit back and relax, informed about their approximate wait.These technology tools also empower branch managers to improve service by amassing data to chart peak traffic times and improve staff scheduling efficiencies. Lobby tracker systems monitor when wait times exceed standards set by each financial institution so managers can redirect staff to step in and serve account holders when demand for frontline service is high.Sales and service systems, such as the module in the Kronos Customer Connection suite, provide real-time data on customer service requests and employee productivity. And managers across the organization can more accurately to track products sold by branch location and cross-sale metrics to gauge marketing and product development effectiveness and identify locations and employees where coaching support may be useful.The business intelligence generated by these innovations can significantly enhance the personal delivery of financial services and position the branch as a potent differentiator in this evolving financial services landscape. The growing recognition that frontline staff offer an advantage fintech competitors can’t match may be one reason adoption of Kronos banking solutions have posted 225 percent annual growth over the past year.For everyday financial transactions, mobile apps are great—and branch employees can assist account holders in taking advantage of their institutions’ digital offerings. But even the biggest TV ad budget can’t supplant the immediacy of trusted financial guidance available at the branch down the street. 5SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Chad Davis Chad Davis is Industry Sr Solutions Marketing Manger, F5 Networks, which is the leader in app security and multi-cloud management. He can be reached at [email protected] Web: https://www.f5.com Details
Bidders paid $185,000 above reserve for this Enogerra Tce home.BUYERS were so keen to secure this Paddington home at auction they pushed the price $185,000 past the reserve.There were 11 registered bidders for the house at 143 Enoggera Tce, with eight actively participating in the bidding.Marketing agent Judi O’Dea of Space Property Agents said the first bid was $1 million and the auction didn’t require any vendor bids to push it along.In total 51 bids were made with the home selling for $1,535,000.O’Dea said the buyer who started the auction off kept bidding over any other bids within two seconds.More from newsMould, age, not enough to stop 17 bidders fighting for this home4 hours agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investor4 hours agoThe kitchen in the Enogerra Tce home“His bids were very strong,’’ she said. “He slowed up his bidding at $1.45 million, and pulled out at $1.5 million.’’Three other bidders fought it out to the end with the home selling to a couple who lived in a riverfront apartment at Teneriffe and wanted to move to Paddington to take advantage of the village lifestyle.O’Dea, who lives in the same street, said the property just seemed to tick all the requirements for a number of potential buyers.She joked that interest was so strong because the “neighbours are terrific”. It was probably the best auction of my career,’’ she said.The view from 143 Enogerra Tce, PaddingtonFor their money the new buyers secured a four-bedroom north-facing home. It has a separate self-contained level with kitchenette and bathroom. It is close to restaurants and schools.The original 1915 workers cottage had been fully restored and renovated and has views over Paddington and Mt Coot-tha.
James Dean, ESL UKAs expected ESL UK has been confirmed as the exclusive production partner that’ll work with Super Evil Megacorp for the Vainglory Spring Championship in May. The tournament will take place in Building Six at London’s O2 from 19-21 May. Six of the best teams from North America will duke it out with the six of Europe’s best in front of a live audience over the weekend. ESL UK will manage all production elements of the event from broadcast design and livestream operations to set design and build.ESL UK will also be working with Fnatic to manage logistics at the recently announced Halcyon Gathering taking place at the Fnatic Bunkr on Saturday 6 May in Shoreditch. From 6pm, fans are invited to come along and watch the Vainglory Challenge Battles free of charge. James Dean, MD at ESL UK said: “It’s extremely exciting to see Vainglory’s continued success and we’re delighted to be working with Super Evil Megacorp to deliver the Spring Season Championship. Mobile gaming is an exciting and developing strand of esports which is set to have an increasingly prominent role in the future of professional competitive gaming.”“We’re excited to be back in London for our first Unified Live Championships,” said Heini Vesander, Executive Esports Producer of Super Evil Megacorp. “Our players come first and we want to ensure they have the best possible experiences whether that’s at our community gatherings or tournaments and to do that we need to have a production partner that understands this. ESL continues to be a great partner for us and we’re excited to be working with them again on what will be the biggest mobile esports tournament to take place in the UK to date.”Early-bird tickets are available now for a price of £10 with VIP Packages starting at £69.99. This includes access to all 3 days of competition. For fans unable to attend the event, the action will be streamed live on Vainglory’sTwitch.TV,Facebook andYouTube channels. Vainglory can be downloaded for free from the Amazon Appstore, the App Store and Google Play.Esports Insider says: No surprises here. ESL UK will endeavour to put on a good event for the unified championship and prove once more that Vainglory is a legitimate esports title. We’ll be there in May cheering for the home team.
Gerald BalesJerry Bales, the owner and pharmacist for Wellingtonâ€™s Chief Drug Store at 116 Main Street in downtown Wellington for over 33 years, is having a birthday!He will turn 90 years old on June 20, 2014. The family of Gerald Aldon Bales invites anyone who wants to congratulate him and wish him well to a come and go reception on Friday, June 20 at St. Anthony Parish Hall in Wellington from 6 to 8 p.m.Cards can be mailed to his home address or brought to the reception. No gifts please.
Close Forgot password? Please put in your email: Send me my password! Close message Login This blog post All blog posts Subscribe to this blog post’s comments through… RSS Feed Subscribe via email Subscribe Subscribe to this blog’s comments through… RSS Feed Subscribe via email Subscribe Follow the discussion Comments Logging you in… Close Login to IntenseDebate Or create an account Username or Email: Password: Forgot login? Cancel Login Close WordPress.com Username or Email: Password: Lost your password? Cancel Login Dashboard | Edit profile | Logout Logged in as Admin Options Disable comments for this page Save Settings You are about to flag this comment as being inappropriate. Please explain why you are flagging this comment in the text box below and submit your report. The blog admin will be notified. Thank you for your input. There are no comments posted yet. Be the first one! Post a new comment Enter text right here! Comment as a Guest, or login: Login to IntenseDebate Login to WordPress.com Login to Twitter Go back Tweet this comment Connected as (Logout) Email (optional) Not displayed publicly. Name Email Website (optional) Displayed next to your comments. Not displayed publicly. If you have a website, link to it here. Posting anonymously. Tweet this comment Submit Comment Subscribe to None Replies All new comments Comments by IntenseDebate Enter text right here! Reply as a Guest, or login: Login to IntenseDebate Login to WordPress.com Login to Twitter Go back Tweet this comment Connected as (Logout) Email (optional) Not displayed publicly. Name Email Website (optional) Displayed next to your comments. Not displayed publicly. If you have a website, link to it here. Posting anonymously. Tweet this comment Cancel Submit Comment Subscribe to None Replies All new comments Submitted to Sumner Newscow â€” Todayâ€™s Wellington High School bulletin for Tuesday, Sept. 6, 2016:Tuesday- SaturdaySee sports schedule below.Tuesdayâ€™s lunch â€”Â Pepperoni pizza, chicken and cheese wrap, salad.Wednesdayâ€™s lunch â€” Super nachos with Spanish Rice, Korean BBQ Pork, tacos salad.Todayâ€™s News: *Classic Movie Club will be showing the movie “Casablanca” today at 3:10 in room 205.*Cross Country is dismissed at 1:35 today. Pictures will be at 1:50 and the bus leaves at 2:05. Tennis is dismissed @ 2:10 today.* Sophomores and Juniors- The PSAT will be given here at WHS on Wednesday, October 19th at 8 a.m. Cost is $15. If you are interested, please sign up with Mrs. Hatfield in the counselors office byÂ September 20th.*NHS will meet in the auditorium on Thursday September 8th at 7:30 a.m.*There will be a SADD meeting tomorrow at 7:15 a.m. in the auditorium. Everyone is welcome to attend.*There will be a hunter safety course on September 24 and 25.To register go to safehunters.com . Students that want to participate in shooting sports must have the hunter safety certificate to be on the team!Â Please see Mrs. Chase if you have any questions.*Students- Please turn in lunch money to the cafeteria BEFORE School!Guidance Office News: Visits during lunch:Tuesday- Sept 6 – Sgt. Justin Smith.Thursday- Sept 8 – Bethany College.Thursday- Sept 8 – Emporia State.Tuesday- Sept 13 – Bethel College.Wednesday- Sept 21- Marine Sgt. Patrick Hatsis.Thursday Sept 22- Baker University.Tuesday- Sept 27 – Pittsburg State.Thursday- Sept 29- University of Kansas.Monday- Oct 10- Fort Hays State.Monday- Nov 14- Kansas State University.Wednesday-Nov 30- Washburn University.Today is Nationalâ€¦National Coffee Ice Cream Day.National Read a Book Day.Follow us on Facebook.Follow us on Twitter.
A quick message from our Thrifty Thurston writers:Despite glorious weather, it’s clear that the countdown to back-to-school has started. If you are like me, I’m digging out the school supply list, noticing some long hair that needs trimming, and scheduling check-ups before the school routine resumes.Recently, a well-informed mom notified me of Target’s campaign to give $2.5M to K-12 schools. And, all it takes is a few clicks, maybe even less than 3 minutes of your time.For ever 25 clicks, Target donates a $25 gift card to your favorite school. Certainly worth the three minutes, especially if you consider how teachers can make each $1 stretch far when it comes to classroom supplies.We posted the link on our school’s Facebook page. But, I decided to not be stingy with this information and share it instead with our entire ThurstonTalk community so that all of our public schools can benefit from Target’s generosity.Simply choose your favorite K-12 school on the Give With Target website. Click on ‘vote’ and you are done. And, even better, you can vote weekly through September 8. Go back next week and vote again.So, share this post with your PTO and PTA organization, booster club, neighborhood association, book club, knitting circle – all of your family and friends. Keep the votes going so that our Thurston County schools can earn valuable dollars. Facebook21Tweet0Pin0