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David Gerbino
Lives in Brewster, NY
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I was looking at some other banks mobile offerings recently and they could not compete with the phase 1 launch of +BankMobile.  
BankMobile is a mobile banking alternative, with no branches, zero fees, a clean design and a mission to serve the digital consumer better.
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Interesting commentary and conversation regarding bank branching in the USA. 

My take: The US branch density is ludicrous. The challenge is still how do we expeditiously close branches and reorient them for the future.
The branch is dead, long live the branch! Controversy around the wisdom (or not) of investing in the branch channel amidst rapidly growing digital banking adoption is showing no signs of letting up. Consider three articles published in the past week: Bank Innovation covering Associated Bank ...
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This is good news for Android users. I ultimately expect to pay with Google Wallet on every web based e-commerce site, every Android app that requires an in-app payment (I should never have to enter my credit card in an app to pay for something) and every POS terminal that has NFC. This latest deal will help but the Google Payments team still has a long way to go. Additionally, many people do not know they can store their loyalty cards in Google Wallet or that you can pay friends with the app (or with Gmail). Google really needs to learn how to market the Google Wallet ecosystem. There is so much we do not know that this ecosystem can do.
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This is a very interesting rumour. +Jason Calacanis makes some good points for and against. Will Apple's Tim Cook look to help pivot/expand Apple beyond its existing base of operations the way Google has? It is great food for thought.
The rumor mill runs hot today, with talk that Apple could acquire Tesla Motors in the next 18 months for a mammoth $75 billion (NASDAQ:AAPL, NASDAQ:TSLA)
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In late October 2014, I wrote an article about the missed payments opportunity related to the launch of #ApplePay . I opened my article with the following:

"The Apple Pay launch is a big missed opportunity for the POS mobile payments industry and for non Apple Pay mobile wallet adoption and usage. The Apple Pay launch should have been turned into an industry wide educational opportunity on the benefits and features of the entire mobile payments and mobile wallet ecosystem. There is no reason that this should have been an Apple only event. The other players are missing a golden opportunity to ride Apple’s golden coattails."

I have been thinking about this again recently and I am thinking about writing another article related to Apple Pay and #mobilepayments . I think there is still an interesting story here. 
The Apple Pay launch is a big missed opportunity for the POS mobile payments industry and for non Apple Pay mobile wallet adoption and usage. The Apple Pay launch should have been turned into an...
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Got it +Tim Bunch - NFC adoption will be slow as merchants start to migrate to EMV POS terminals. Hopefully, most will opt to purchase new terminals that include EMV.
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I really like this band. They rock really hard. I strongly urge you to give them a listen. If you are a Nirvana fan I think you will really like this band. Let me know what you think. 

I also want to give a special shout out to band member +Darko Kurjak - He was very helpful in getting me a band T-shirt from Serbia to the USA. 
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David Gerbino

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An interesting article about the fraud affecting #ApplePay
Security is a never-ending juggling act between preventing unwanted accessibility and delivering an easy, enjoyable user experience. Often, when companies overly prioritize this, the unintended con...
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Welcome Toronto! It is great to see more cities joining the #FinTech  party. #MarsDiscoveryDistrict  
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When in New York City, some of the best #startup and #FinTech events can be found on the AlleyWatch Events Calendar.
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Hey look, my friend +Brett King is the first mobile banking CEO to be appointed to the 14-member board. I think that is "pretty cool."
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Last weekend I watched the first episode of the very first Saturday Night Live. One of the musical performers was Janis Ian. The only song of hers that I remember is "At Seventeen" and her live performance of this song was incredible. In fact the live version is much better than the studio version. This is the album that features that single. Click the listen button and enjoy.

#GooglePlayMusic  
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I like that funky piano. Great job Natalie.
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Have him in circles
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John Lewis's profile photo
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Currently
Brewster, NY
Previously
Somers, NY - Danbury, CT - Potsdam, NY
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@dmgerbino - Database, Digital and Email Marketer | MCIF | Product Profitability Analyst | Commercial and Retail Banking | Data Analyst | Dashboard Design | KPIs | My comments are mine alone
Introduction
Commercial and Retail Banking, Marketing Analyst, Product Profitability Analyst, Database, Digital and Email Marketing, Business Performance Management, Data Visualization, Business Intelligence, KPIs, Primary and Secondary Research.

All the opinions I express are mine alone.
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Database Marketing, Performance Management, Data Visualization, Marketing Analyst, Sales Analyst, Research, Banker
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@dmgerbino
David Gerbino's +1's are the things they like, agree with, or want to recommend.
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