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Don't try to manage the entire customer life cycle, instead focus on high value customer journeys. Pretty much what we are doing...

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Nigerians living in the UK can now send money to any bank account or mobile phone in Nigeria instantly. Is the west african diaspora settled down in Paris could be part of our customers and transactional ecosystem ? 

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Being "Good" leads to higher loyalty. Interesting interview with my IDEO friend Maria. #brand   #loyalty  

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In this experiment with a zero fee and easily accessible account, researchers observe regular small deposits.
From the conclusion:
"I use a randomized field experiment and the combination of pre- and post-survey data with bank administrative data to study the effects of access to a savings account with minimum transaction costs, i.e. zero fees and physical proximity to a local bankbranch, on household savings behavior and welfare. My study shows that there is high
demand for this type of savings accounts and that households regularly deposit small amounts of money.
Despite the high take-up rate and usage rates, access to a savings account generates minor welfare effects. Impact on assets, aggregate expenditures, and income are too imprecisely estimates to draw a conclusion. Nevertheless, access to a savings account appears to help households to manage their resources better. Treatment households reallocate expenditures across categories, have a higher ability to cope
with shocks, and perceive that their financial situation has improved.
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