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Pandora Media, Inc. Message Board

jorlev1164 2898 posts  |  Last Activity: Sep 9, 2013 1:56 PM Member since: Nov 6, 2006
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  • jorlev1164 jorlev1164 Sep 9, 2013 1:56 PM Flag

    I believe a lot of banks require photo id to open an account so if you fill out info online you still have to mail or fax in a photo copy of your driver's license to the bank before your account can be opened. This would certainly take care of that authentication issue in a simplified fashion.

  • jorlev1164 jorlev1164 Sep 9, 2013 1:44 PM Flag

    MPAO could certainly be used outside of the realm of banking.

  • WE now have at least 625 active launched MD FIs. My list is always short around 50 banks from what is reported during conference calls.

  • jorlev1164 jorlev1164 Sep 6, 2013 10:26 AM Flag

    True. Perhaps they could work something out if it was made clear that they were not going to hold or invest the money but only forward it to other FIs. Was just thinking that a direct to customer model would give them so much liberty in pricing and provide the service immediately for all banking customers.

  • jorlev1164 jorlev1164 Sep 6, 2013 8:47 AM Flag

    Any thoughts on this from thoughtful board members? Of course, it may be too late for them to change their model but this is the way they should have gone from the beginning.
    Direct to consumer, charge what they want and forward the deposit to any bank the customer chooses. Only really works for MD. Harder to be intermediary for Balance Transfer and Bill Pay but
    MD could have been done.

  • jorlev1164 jorlev1164 Sep 5, 2013 4:46 PM Flag

    Why should banking customers have to wait for their bank to offer MD?
    Mitek could do it for them!

  • Why are they wasting all their energy and technology on banks that don't want to pay a decent transaction rate and channel partners they have to split that rate with?

    Mitek should buy a bank so they can clear mobile deposits themselves.
    They don't have to call themselves a bank per se. But they gain clearing capabilities.

    Sell the app directly to consumers. 20 or 30 cents a check or $5 as an annual fee.
    Consumer can have one or more banks set up on the app and they can decide where they want the
    money forwarded to.

    No more channel partners. No more signing up banks. They can ACH the money anywhere the
    customer wants. This could work internationally as well. Cuts the expense of sales force too.

  • jorlev1164 jorlev1164 Sep 5, 2013 9:08 AM Flag

    It's Finovate so I guess it probably is banking. Spoke too soon. But we'll know in 5 days what our new vertical is!!

  • jorlev1164 jorlev1164 Sep 5, 2013 9:05 AM Flag

    Could be something outside the realm of banking.

  • In Gartner's May 16, 2013 report App Explosion: Lessons From the Top 20 Banks author Kristin Moyer noted:

    “Nearly 75% of banking CIOs and digital technology leaders plan to increase spending on mobile apps this year. We advise that banks develop an app road map based on need-based functionality and impact on net profits.”

    In their July 2013 report How To Upgrade Online and Mobile Account Opening for an Omnichannel Era Javelin Research & Strategy's noted:

    “the fact that 88.5 million Americans attempted to open an account online or with a mobile device in the past 12 months underscores how far digital account opening has come in a few short years. Nonetheless, its potential remains largely untapped, especially as consumers place growing importance on mobile capabilities.” In the same report the firm also noted, “The number one job for financial intuitions should be to enable applicants to open and fund an account in one session.”

    On September 10th at Finovate Fall in New York, we will announce a new mobile imaging solution that will have a profound impact on net profits by enabling acquisition of the sought after digital natives and mobile first consumers and at the same time moving them to a lower cost self service channel.

    Stay Tuned.

  • Reply to

    Fiserv Launches new tablet banking app

    by jorlev1164 Sep 4, 2013 8:19 AM
    jorlev1164 jorlev1164 Sep 4, 2013 1:26 PM Flag

    CHANNEL PARTNERS
    BankServ (NetCapture)
    Bluepoint Solutions
    Cachet Fin. Sol (Select Mobile)
    Ensenta
    FIS - Xpress Deposit
    Fiserv - Mobile Source Capture
    TransCentra - Jeanie
    Jack Henry -Profitstars SilverLake
    Remote Deposit Anywhere
    NCR -APTRA Passport for Mobile
    RDM (Simply Deposit Mobile)
    Secure Payment Systems
    (Mobile Xpress21)
    VSOFT (Agile Mobile Capture)
    WAUSAU (Deposit 24-7)

    ALLIANCE PARTNERS
    mFoundry (FIS) - mDeposit Express
    MEA financial
    Monitise / Clairmail - M. Money

    AFFILIATED w CHANNEL PARTNERS
    MShift (ensenta)
    Access Softek (Bluepoint)
    Malauzai (Bluepoint-Bankserv)
    Chexar Networks (Cachet)
    Automated Systems Inc - Insite
    Vantiv (Form 5th 3rd) (Mitek)
    Sharetec Systems (Cachet)
    eDoc - CheckLogic (Cachet)
    Kofax (Mitek)
    Harland financial Solutions
    AnyDoc
    BancTec
    Fairfax Imaging
    OPT2Vote
    RemitPro
    Scan-Optics
    Softpro
    MnIPC (Cachet)
    Clear Payments (Chexar)
    Nexxo Financial
    Fi-Mobile (Cachet)
    Open Solutions -Ensenta DNAmobile
    CO-OP F. S.(ensenta) My Deposit
    FSCC (Co-Op) Ensenta
    CuAnywhere/ Sprig
    Catalyst Corp CU (Malauzai)
    CFCTechnology (Malauzai)
    Connect Fin Soft Sol (FIS)
    CUBG (Bankserv)
    FundTech (Bankserv)
    Kony Ensenta (Cash-Edge - Fiserv)
    CU Business Group - (Bankserv)
    MVi - Millennial Vision (Cachet)
    Banno (Jack Henry)
    My CU Services (Profitstar J.H.)
    Computer Services (Malauzai)
    Tyfone Ensenta (Cachet)
    Allied Pymt Network (Picture Pay)
    CU Mobile Apps - Nitro (Cachet)
    NetDeposit (Mitek)
    ACI Payment MShift
    ACI owns S1 Corp
    PM Systems - ACI
    Synergent (Ensenta)
    Cognizant (Monitise)
    FPS Gold-
    Jwaala - Softek
    UWNMobile - Bankserv

  • Reply to

    Fiserv Launches new tablet banking app

    by jorlev1164 Sep 4, 2013 8:19 AM
    jorlev1164 jorlev1164 Sep 4, 2013 8:20 AM Flag

    new customers who find this technology appealing."

  • Brookfield-based Fiserv Inc. a global provider of financial services technology solutions, has announced the launch of Mobiliti: Tablet, a turnkey mobile banking application for tablet users.

    Mobiliti: Tablet joins the company's licensed solutions for tablet banking, enabling additional banks and credit unions to support the rapidly growing channel. Interest in the Mobiliti: Tablet app has been strong among Fiserv clients, with more than 100 banks and credit unions already committed to deploy the solution.

    Mobiliti: Tablet provides a functional, quick to market tablet banking capability. The downloadable application for iPad and iPad mini provides users with access to their accounts in an interactive, touch-enabled format. Capabilities include bill payments, person-to-person payments, mobile deposit, an ATM and branch locator and built-in calendar and calculator functions.

    Mobiliti: Tablet integrates with online banking solutions from Fiserv and the Popmoney person-to-person payments solution, providing users with full access to digital banking functionality and social payment transactions. A downloadable application for Android tablets will be available in 2014.

    Tablet ownership is rapidly increasing, giving financial institutions an opportunity to expand their digital channels as consumers use tablets to access financial services. According to the 2012 Consumer Trends Survey from Fiserv, nearly half of tablet owners have already used their device to access banking services, and almost two-thirds of future tablet owners would like to do so.

    "Research has shown tablet banking users are more engaged than other mobile banking users, as they use digital channels more frequently and consume a larger number of financial services," said Bradley Scott, vice president, Mobile Solutions, Fiserv. "With Mobiliti: Tablet, financial institutions can quickly bring tablet banking to market, meeting the needs of existing customers through a lower cost channel, while attracting

  • This looks close to a bottom here. If you look at chart in April it broke 4 heading to 200 days but bounced before reaching it. I think the lowest it could get is around 4.75 maybe tomorrow but that looks like a real buying op if it gets there. I hold so much it's hard to pull the trigger but I'm sure others will.

  • Up on GP and iTunes

  • Reply to

    PR question

    by patsbowl Sep 3, 2013 7:44 AM
    jorlev1164 jorlev1164 Sep 3, 2013 8:22 AM Flag

    Check their twitter feed. They post some news every few day. Of course, no official PR resulting in a Yahoo Finance news item.

  • UPDATED LIST OF MITEK FINANCIAL INST 2013-0901

    Here is my updated list of financial institutions that have signed with channel partners and
    are using Mitek's Mobile Deposit product. I have included the bank or CUs size
    (Assets in Billions) and the channel partner they are working with where known.

    As of last earnings report, 559 FIs have Launched Mobile Deposit with Mitek out of 1059 signed. Remember, some banks and CUs don't make their mobile app launches public and must be download from their sites, so numbers would most probably be much higher

    BANKS 329
    CREDIT UNIONS 258
    CANADIAN BANKS 1
    CANADIAN CUs 3
    PREPAID CARDS 15
    -------------------
    Total Listed: 606
    Mitek Total as of 6/30/13: 559

    Also:
    MOBILE DEPOSIT LAUNCHES COMING SOON: 43 FIs
    MOBILE PHOTO BILL PAY: 2 Signed, 1 Launched, 1 undisclosed.
    PICTURE PAY: 4 Launched
    MOBILE BALANCE TRANSFER: 1 launched

    Full list on Raging Bull Message Board

  • Reply to

    5 Page article on Mobile Banking

    by commoncentsinvestor Sep 1, 2013 10:59 AM
    jorlev1164 jorlev1164 Sep 1, 2013 9:54 PM Flag

    I think we'd have to wait for USAA judgement and perhaps some acquisitions of other players before Mitek can get thru price increases.

  • Reply to

    Southpoint FCU (Fiserv) $253M

    by jorlev1164 Aug 29, 2013 1:48 PM
    jorlev1164 jorlev1164 Aug 30, 2013 10:39 AM Flag

    May seems high but go to Fed Reserve website Banking info Banking data Large commercial banks
    Top 1740 Banks have $11.007516 TRILLION Domestic.
    That number does not include 4-5K other banks in the US
    It also does not include credit unions.
    My numbers also include Fidelity, Schwab and Etrade which makes the total higher than only Banks and CUs

    There's more money out there than you could ever believe.

  • Reply to

    Southpoint FCU (Fiserv) $253M

    by jorlev1164 Aug 29, 2013 1:48 PM
    jorlev1164 jorlev1164 Aug 29, 2013 8:42 PM Flag

    Growth will increasing come from non-MD users at existing signed banks becoming MD users. As time goes on, this will be more important than new banks as the big fish are already spoken for.

    It's good to look at the move in BOA from 100K per day to 160K in 5 or 6 months.
    That's a more telling figure. Be interested in their next transactions stats whenever they are divulged.

P
13.60+0.42(+3.19%)Jul 29 4:03 PMEDT