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David Gerbino
Lives in Brewster, NY
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David Gerbino

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As a member of NYPAY, I value the events I have attended over the last several years and the personal connections I have made. As a board member, I can tell you that we are planning more events this year as compared to last year. If you live in the NYC metro area and are interested in #payments and #FinTech, I urge you to join.  
Members get first access to NYPAY events and discounts at payment events across the USA. Fill out the contact form and join NYPAY today.
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David Gerbino

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#BSA  / #AML  is no joke. Everyone connected to the #FinServ world needs to make it a core competency.
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Regulators who are inclusive and look forward create advantages. In China, the regulators are helping #FinTech to grow and that is benefiting all concerned parties.
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In this article, Let's Talk Payments provides insights on the transition from unit-based pricing model to usage-based or consumption-based pricing.
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Trade Finance is a great use case for the #blockchain. Several #FinTech startups have already begun to solve this problem. The existing infrastructure is long overdue for an overhaul.
Bank of America and HSBC have teamed up with the Singapore government’s IT and telecom agency on a blockchain supply chain trial.
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This is an outstanding article and visualiztion from +JP Nicols​. I totally agree with his Bankers' Fintech Grief Cycle."
As a few fintech companies like Lending Club, Betterment, and others have run into some rough patches lately, it has been interesting to note some of the reactions, especially amongst bankers (that’s just shorthand, I’m looking at you too, credit union leaders). Some have taken this news as indication that fintech was just a bubble after all, and …
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David Gerbino

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This is a really good interview of David Sica. He is a partner at venture partner firm Nyca Partners. I first met David at a http://www.NYPAY.org event in New York City while he was still with Visa. It was great catching up with him at each event as he was always doing something interesting in the payments space. When he went to start Nyca Partners I saw less of him as he was always busy. What I did learn from him about Nyca Partners was how their approch to investing and working with startups is different. I liked that. This article gets into some of how their approach is different and that is why I consider this a #MustRead interview. I look forward to bumping into David again at a future #FinTech, #NYPAY, or #NextMoneyNYC event. 
Banks are playing a more active role in the next phase of fintech, both as investors and partners, says David Sica, partner at venture capital firm Nyca. That change is shaping how the firm looks at new investments.
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David Gerbino

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I have been a reluctant owner of two cars for several decades. To reduce costs, I used to get free or for a very low-cost junk cars I could drive to and from the train station for my daily commute. When I needed to drive to work in a car, I upgraded to a better class of a junk car for a very modest cost. My main car was usually new or an off lease purchase. Both cars spent more time parked than actually used. I am looking forward to the day of self-driving shared ownership of cars and for very low-cost self-driving taxis to relieve me of the burden of car ownership and all the direct related costs. There are many people like me and once this change starts rolling, the adoption is going to be quicker than most people think. The impact will be transformative and those who do not prepare for it will be hurt for a period of time.


Personal Note: When I used to commute to work via a commuter rail line, I chose to own a car even tho it was more costly than to take cabs. The issue with cabs were:

1) not on demand - They would only pick me up in the morning after I called. They would not be at my place of residence every morning at the same time to take me to the train station.

2) They did not believe in single ridership. As much as possible, they would try to have as many paying customers as possible in the car. So instead of a 5-minute ride to or from the station, I could be in the cab for a half hour or more.


I can't wait for the day to be a shared owner of a self-driving electric car. In the morning it would pick me up and drive me to my destination. It would park at a spot with a wireless charging station and leave for its next use when needed and repeat the process throughout the day and be back to pick me up when I needed to be driven home. That is a very feasible near-term future.
"I don't think the number of human drivers will go down anytime soon," Uber’s Travis Kalanick says.
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Here is your weekend #blockchain  reading assignment! This report is a #MustRead .
Distributed ledger tech will form the “foundation” of financial services infrastructure, according to a new report by the World Economic Forum.
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David Gerbino

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This is a killer interview by of +Ben Milne by +Chris Skinner. Read it now!
As my readers will know, I regularly interview innovators of start-ups and banks of how they see the world. These interviews constitute a third of the ValueWeb and Digital Bank books. In the interests of maintaining these case studies, as I find them interesting, I recently met Ben Milne, Founder and CEO of Dwolla. In case you’re …
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David Gerbino

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Games are fun but business is business. A lot of bankers are getting very creative about their use of the game. Are they putting the same amount of effort into their regular work? Part of my quote that was included in this article is: "I’d rather help people refinance a mortgage or upgrade their home then give them a few free Poké balls, potions, Pokémon to capture, etc." If you can combine the two, I applaud you.
Unless you’ve been hiding under a rock, you may have noticed the rise of Pokémon Go. It’s been in the news everywhere, mainly because kids seem to be gathering in places they shouldn’t. Equally, the game has been responsible for everything from finding dead bodies to resurrecting other ones. Mayhem as rare Pokémon appears in …
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The state of North Carolina did what New York State could not, they passed #blockchain friendly legislation. 
After 16 months of deliberation, North Carolina has enacted a blockchain-friendly bill with the passing of the North Carolina Money Transmitter Act.
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Have him in circles
236 people
Affordable Dentures's profile photo
Michael Mossiagin's profile photo
Ivar van Duuren's profile photo
Scott Bales's profile photo
Natalie Gelman's profile photo
Robert L  Burton's profile photo
Brett King's profile photo
Aleksey Savkin (BSC)'s profile photo
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Brewster, NY
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Somers, NY - Danbury, CT - Potsdam, NY
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@dmgerbino - FinTech, Database, Digital and Email Marketer | Product Profitability Analyst | Commercial and Retail Banking | Data Analyst | 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.
Kevin Hillstrom: MineThatData: Steve Jobs
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Describe the circumstances where the next Steve Jobs would elect to work in the Catalog Industry or E-Commerce Industry vs. any Silicon Vall

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jpnicols.com

It’s midyear already. Halftime. Two quarters down and two to go for 2016. For many financial institutions, it’s also the start of the 2017 s

The Fintech Grief Cycle for Bankers - JPNicols.com
jpnicols.com

As a few fintech companies like Lending Club, Betterment, and others have run into some rough patches lately, it has been interesting to not

POSTCARD FROM THE DIGITAL BANKING SUMMIT
blog.d3banking.com

The D3 Banking team recently attended the Digital Banking Summit in New Orleans. Michael Carter of D3 provides a quick recap on the show!

Rare Map of Middle-earth Goes on Display at the Bodleian Libraries - In ...
www.finebooksmagazine.com

Oxford, 13 June 2016 - Tolkien fans, scholars and members of the public will have a unique opportunity to view a recently-discovered map of

Slack - Android Apps on Google Play
market.android.com

All your team communication in one place. A new way to get more done, spend less time in meetings, and reduce email. That’s Slack.• Real

FinTech and Community Banking: Built for Marriage?
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Recent news of Prosper scaling back and OnDeck Capital's ongoing losses has taken a little shine off of the FinTech apple. Doesn't this happ

Hype springs eternal
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Distributed ledgers are the future, but their advent will be slow

Why is fintech cool? - Banking Exchange
www.bankingexchange.com

… when augmenting finance is far more interesting than disrupting it I had a realization recently: Banks have always been hot on technology

Alto's Adventure - Android Apps on Google Play
market.android.com

Join Alto and his friends as they embark on an endless snowboarding odyssey. Journey across the beautiful alpine hills of their native wilde

IBM Watson AI XPRIZE: A Cognitive Computing Competition
www.xprize.org

The IBM Watson AI XPRIZE, a Cognitive Computing Competition, was announced on the TED Stage on Feb 17, 2016. It is a $5 million competition

The State of Fintech Industry as We Know It [Infographic] – CoinSpeaker
www.coinspeaker.com

A financial monitoring and notification service company Call Levels has recently published an infographic that shows the current state of Fi

European Commission Wants to End Anonymous Bitcoin Transactions – CoinSp...
www.coinspeaker.com

The EC has published an Action Plan containing a set of measures agains terrorism financing.

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www.femtechleaders.com

The Voices & View from FemTech Leaders

The Disruption Myth - Small Biz DailySmall Biz Daily
www.smallbizdaily.com

By Robert Tercek. There's a widespread myth about disruption, which is that it happens overnight. According to this myth, a previously unkno

Moven Launches Offers | Bank Innovation
bankinnovation.net

Moven, the digital financial services startup, continues to add new features with the launch of offers yesterday. An email sent to customers

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Awesome selection of cheese. The beer selection is unmatched and includes a tap room with 17 beers and a few wine selections. They do growler and crowler fills.
Public - 2 months ago
reviewed 2 months ago
The Mandalay Bay had an outstanding friendly and helpful staff. The rooms are spacious. There facilities are top notch.
Public - 10 months ago
reviewed 10 months ago
2 reviews
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