This study is brought to you courtesy of.
|
|
- Cora Leonard
- 6 years ago
- Views:
Transcription
1 This study is brought to you courtesy of
2 The Role of Search in Deposit Account Shopping Google/Compete U.S., 2010
3 Table of Contents 1 Purpose of Study & Methodology 2 Key Takeaways 3 Deposits Industry Trends 4 Drivers for Channel and Institution Selection 5 Impact of Search on Offline and Online Deposit Account Applications 6 Use of Search in Shopping for Deposits Accounts 7 Types of Terms Used in the Shopping Process 2
4 Background, Objectives and Methodology 3
5 Purpose of Study & Methodology Purpose of Study Quantify how consumers use search when shopping online for deposits accounts (e.g., savings/cd/mm /checking) Quantify the impact of online search on online and offline deposits account applications Methodology Conducted on Compete s proprietary U.S. consumer dataset Online deposit researchers are split into two mutually exclusive categories: Shoppers: View deposit account specific content but do not submit an application Applicants: Submit a deposit application during the study timeframe Application rate: Share of shoppers who apply for a deposit account For online deposit shoppers and applicants, Compete pulled a history of search query and search referral activity for the 30 days prior to last shopping/converting activity (Aug Sep 2009) Online Deposits account shoppers were surveyed (Sep-Nov) to assess their (offline and online) application patterns and preferences regarding financial institutions 4
6 Queries and Referrals Each Search generates a query Clicking a result generates a referral 5
7 Banks Included in Study Traditional banks Bank of America Capital One Chase Citibank Washington Mutual Wells Fargo Citizens Bank Schwab Bank US Bank Online only Emigrant Direct E*Trade HSBC Direct ING Direct 6
8 Key Takeaways 7
9 Key Takeaways Overall online shopper and applicant volume declined in 2009, however, share of online shoppers utilizing search, especially Google, increased Online shopping activity is important contributor to offline applications For every 10 online applicants, 6 additional online shoppers apply at a branch 12% of all online shoppers apply at a branch Deposits account shoppers who utilized search applied at a higher rate than those who did not utilize search Searchers were 1.44X more likely to apply than non-searchers, inclusive of all channels 68% of shoppers perform multiple search queries Shoppers performing multiple queries are upto 1.2X more likely to apply than shoppers performing a single search Shoppers who utilized non-branded search terms, compared to those who exclusively utilized branded search terms, were 1.4X more likely to apply 8
10 Deposits Industry Trends 9
11 Share of Search Shoppers Increased in 2009 Number of Online Shoppers (Online Shoppers in Jan Sep 2009) 10M 9M 8M 7M 6M 5M 4M 3M 2M 1M 0M 26% 24% 25% 25% 24% 22% 20% 20% 19% 19% 20% 19% 20% 22% 22% 23% 23% 23% 21% 20% 20% Jan-08 Mar-08 May-08 Jul-08 Sep-08 Nov-08 Jan-09 Mar-09 May-09 Jul-09 Sep-09 30% 25% 20% 15% 10% 5% 0% Total Shoppers % Search Shoppers 10
12 Applicants Trended Similar to Shoppers Number of Online Applicants (Online Applicants in Jan Sep 2009) 600K 30% 500K 400K 21% 19% 20% 18% 22% 23% 22% 19% 24% 20% 22% 23% 24% 21% 23% 23% 25% 22% 21% 24% 20% 25% 20% 300K 15% 200K 10% 100K 5% 0K Jan-08 Mar-08 May-08 Jul-08 Sep-08 Nov-08 Jan-09 Mar-09 May-09 Jul-09 Sep-09 0% Total applicants % Search Applicants 11
13 Share of Google Driven Shoppers and Applicants Rose Share of Google Driven Search Shoppers and Applicants (Search Shoppers and Applicants in Jan Sep 2009) 80% 75% 70% 65% 60% 55% 50% 45% 40% Jan-08 Mar-08 May-08 Jul-08 Sep-08 Nov-08 Jan-09 Mar-09 May-09 Jul-09 Sep-09 % Google Shoppers/ Search Shoppers % Google Applicants/ Search Applicants 12
14 70% of Search Applicants Apply Immediately 80% 70% 60% 50% 40% 30% 20% 10% Comparison of Same Session and Lagged* Search Applicants (Search Applicants in Jan Sep 2009) 0% Jan-08 Mar-08 May-08 Jul-08 Sep-08 Nov-08 Jan-09 Mar-09 May-09 Jul-09 Sep-09 % of same session search applicants % of lagged search applicants *Search applicants who applied within a month of performing a search 13
15 Applicants are Reducing Number of Brands in their Consideration Set Number of Banks at which Online Applicants Shopped (Average Bank websites Visited by Online Applicants in Jan Sep 2009) Average = Jan-08 Mar-08 May-08 Jul-08 Sep-08 Nov-08 Jan-09 Mar-09 May-09 Jul-09 Sep-09 Average number of banks shopped online 14
16 Drivers for Channel and Institution Selection 15
17 Many Online Shoppers Choose to Apply Offline Location of Application for Shoppers (Respondents Opening a Deposit Account) 5% 2% 9% 31% 8% 3% 3% 32% 42% 52% 85% 66% 61% 55% 45% High Yield Saving Savings CD Money Market Checking Online At a local branch Other* (Base: Applicants for High Yield = 150, Savings=140, CD=303, Money Market=149, Checking=364) *Other includes the Phone and other channels 16
18 Offline Applicants Value Personal Contact Reasons for Shoppers to Apply at a Branch (Respondents Opening a Deposits Account at a Branch) Wanted to speak in-person 43% Assured of accuracy More convenient channel 27% 29% Previously used channel Get to know local branch Not provide info online Faster Promotion on this channel 20% 19% 18% 18% 18% Unaware of online Other Did not find info online 5% 4% 7% (Base=297) 17
19 While Online Applicants Value Convenience Reasons for Shoppers to Apply Online (Respondents Opening a Deposit Account Online) More convenient Faster Could open anytime All information available Easier to comparison shop Previously used channel No need for in-person talk Did not want to travel Avoid crowds and lines Promotion on this channel Could choose non-local Assured of accuracy Other 10% 9% 18% 23% 35% 33% 33% 30% 28% 54% 53% 44% 41% (Base=410) 18
20 New Banks Sought for Additional Accounts Reason for Applicants to Open a Deposits Account (Respondents Opening a Deposits Account) 7% 9% 52% 47% 7% 10% 14% 15% 62% 57% 39% (A,B,C,D) 36% 35% (C,d,e) 34% (C,D,E) 18% 6% 13% 11% 15% 14% High Yield Saving (A) Money Market (B) Checking (C ) Savings (D) CD (E) New account Additional with different institution Closed to move to new institution Additional with same institution (Base: Applicants for High Yield = 91, Money Market = 77, Checking = 231, Savings = 108, CD = 190) Note: 95% confidence denoted by capitalized letters and 90% confidence denoted by lower case letters 19
21 Existing Relationships Vary in Importance Share of Applicants with Prior Relation with Institution (Respondents Opening Deposits Account) 20
22 Impact of Search on Offline and Online Deposit Account Applications 21
23 Online CD Shoppers Apply At a 39% Rate Application Rate* of Deposit Shoppers (Respondents Opening a Deposit Account) CD (n=642) 39% Checking (n=907) 34% High Yield (n=509) 33% Savings (n=798) 33% Money Market (n=458) 27% (Base: Online shoppers of specific deposit accounts) *Includes all application channels for example, online, branch, phone, etc. 22
24 For Every Ten Online Checking Shoppers Applying Online, Eleven Apply at a Branch Branch Application Amplification Due to Online Activities (Number of Branch Applicants for Every 10 Online Applicants, from Online Shoppers) Checking (n=907) 11 CD (n=642) 7 Savings (n=798) 6 Money Market (n=458) High Yield (n=509) 2 5 Application Amplification Effect Checking account 2.1 CD 1.7 Savings account 1.6 Money market account 1.5 High yield savings account 1.2 (Base: Online shoppers) 23
25 Use of Search Increases Application Rate Application Rate* of Deposit Shoppers (Searchers versus Non-Searchers Respondents Opening a Deposit Account) 40% 4% 38% 37% 39% 11% 11% 19% 31% 13% 37% 27% 26% 20% 19% CD Checking High Yield Savings Money Market Non Searcher Lift from Search (Base: Searchers for CD=389, Checking=591, High Yield=324, Savings=514, Money Market=292; Non-searchers for CD=254, Checking=315, High Yield=185, Savings=285, Money Market=166) *Includes all application channels for example, online, branch, phone, etc. 24
26 Use of Search in Shopping for Deposits Accounts 25
27 Searchers are 1.3X More Likely to Apply than Non-Searchers Comparison of Online Application Rate (Online Applicants in Aug - Sep 2009) 350K 300K 6.1% 7% 6% 250K 4.7% 5% 200K 4% 150K 306, ,881 3% 100K 2% 50K 1% 0K Non Searchers Searchers 0% Applicants Application Rate 26
28 Applicants are Searching Frequently Number of Deposit Search Queries (Online Applicants in Aug - Sep 2009) 10% 16% 21% 21% 32% Search Applicants Applicants Total query Volume: 1M 27
29 Frequent Searchers Apply at a Higher Rate Online Application Rates by Number of Search Queries (Online Shoppers in Aug - Sep 2009) 6.7% 6.4% 6.5% 6.0% 5.5%
30 Frequent Searchers Use Combination of Terms Branded Versus Non-Branded Search, by Number of Queries (Online Applicants in Aug - Sep 2009) Query Volume ( 000s) % 81% % 12% 60% % 11% 48% % 25% 22% % 29% 93 Branded Only Non-Branded Only Both Applicants Total query Volume: 1M 29
31 Non-Branded Term Users More Likely to Apply Share of Online Applicants by Term Type Used and Online Application Rate (Online Applicants in Aug - Sep 2009) 60% 7% 7% 8% 50% 40% 5% 7% 6% 5% 30% 4% 20% 10% 49% 19% 32% 3% 2% 1% 0% Branded Non-Branded Both 0% Applicant share (left axis) Application rate (right axis) 30
32 Branded Terms Comprise Majority of Queries Search Query by Term Type (Online Applicants in Aug - Sep 2009) Term type Example query 1% 5% 2% 5% 22% 65% Queries CDs Features Checking Savings General Branded 1 month CD CD APY CD high interest Secure banking Free debit card FDIC insured Free checking Best checking account Checking online High yield savings Savings bank rate Money market fund Bank account Bank comparison Online banking Citibank onoline banking Bank of America HSBC direct Applicants Total query Volume: 1M 31
33 Non-Branded, Paid Has High Application Rate Comparison of Online Application Rate by Search Type (Online Shoppers in Aug - Sep 2009) 9% 10% 6% 3% Branded, Organic Branded, Paid Non-Branded, Organic Non-Branded, Paid 32
34 Features Drove Highest Application Rates Online Application Rates for Online Shoppers by Referral Term Type (Online Applicants in Aug - Sep 2009) Features Paid Checking Paid Features Organic Checking Organic Savings Organic Savings Paid General Organic Generic Organic General Paid Generic Paid Branded Organic Branded Paid 0% 0% 0% 1% 1% 0% 9% 2% 9% 9% 0% 8% 2% 6% 3% 3% 16% 16% 15% 15% 20% 25% 36% 66% Application Rate Share of Referral Volume 33
35 Search is Used Throughout Shopping Process Timing of Search Referrals (Total Search Referrals of Online Applicants in Aug Sep 2009) 25% 19% 17% 17% 5% 7% 8% 12% 11% 10% 22% 9% 13% 7% 18% Within 4 weeks Within 3 weeks Within 2 weeks Within 1 week Within same session Branded Non-Branded 34
36 Key Takeaways Overall online shopper and applicant volume declined in 2009, however, share of online shoppers utilizing search, especially Google, increased Online shopping activity is important contributor to offline applications For every 10 online applicants, 6 additional online shoppers apply at a branch 12% of all online shoppers apply at a branch Deposits account shoppers who utilized search applied at a higher rate than those who did not utilize search Searchers were 1.44X more likely to apply than non-searchers, inclusive of all channels 68% of shoppers perform multiple search queries Shoppers performing multiple queries are upto 1.2X more likely to apply than shoppers performing a single search Shoppers who utilized non-branded search terms, compared to those who exclusively utilized branded search terms, were 1.4X more likely to apply 35
37 Like what you learned? Find more studies and data at
This study is brought to you courtesy of.
This study is brought to you courtesy of www.google.com/think/insights The Role of Video in the Travel Shopping Process Google Compete U.S., September 2010 Background and Objectives Background The objective
More informationThis study is brought to you courtesy of.
This study is brought to you courtesy of www.google.com/think/insights Winning the Online Dater Understanding the Online Dater s Digital Behavior Google/Compete U.S., March 2010 Methodology Upstream Downstream
More informationUnderstanding Today s Mobile Device Shopper. Google/Compete, U.S. Mar 2011
Understanding Today s Mobile Device Shopper Google/Compete, U.S. Mar 2011 Methodology This study was based on understanding the attitudes of online users who identified themselves as wireless purchasers
More informationBUSINESS ADVANTAGE USER GUIDE
Table of Contents Getting Started... Account Summary...5 Navigation Tools...6 Account History...8 Quick Reference Guide...9 Frequently Asked Questions... Need Help?... Getting Started. Visit.. In the Online
More informationThe Mobile Movement Understanding Smartphone Users. Google/IPSOS OTX MediaCT U.S., April 2011
The Mobile Movement Understanding Smartphone Users Google/IPSOS OTX MediaCT U.S., April 2011 Research Objectives Gain a deep understanding of smartphone consumer behavior, specifically with regard to:
More informationMonthly SEO Report. Example Client 16 November 2012 Scott Lawson. Date. Prepared by
Date Monthly SEO Report Prepared by Example Client 16 November 212 Scott Lawson Contents Thanks for using TrackPal s automated SEO and Analytics reporting template. Below is a brief explanation of the
More informationFrequently Asked Questions
Frequently Asked Questions Welcome to! Now that you have opened a new checking account with us, use our Switch Kit to create and mail out the appropriate letters to notify others of your account change.
More informationBank to Bank Transfers User Guide
Bank to Bank Transfers User Guide GETTING STARTED Bank to Bank Transfers allow you to transfer money between your Kansas State Bank accounts and up to two external accounts (accounts at other financial
More informationGOOGLE S MOST-SEARCHED ONLINE PRODUCTS AND SERVICES JULY Perfect Search Media
GOOGLE S MOST-SEARCHED ONLINE PRODUCTS AND SERVICES JULY 2013 Perfect Search Media INTRODUCTION This study began with the word online. This report exclusively focuses on keyword queries typed into the
More informationIn addition to these resources, our staff will be on hand to help walk you through any questions or concerns you have post-conversion.
Dear Valued Member, In an effort to better support your financial needs, United 1st Federal Credit Union will convert the former Community United core data processing system platform to the current United
More informationMIND THE GOOGLE! Understanding the impact of the. Google Knowledge Graph. on your shopping center website.
MIND THE GOOGLE! Understanding the impact of the Google Knowledge Graph on your shopping center website. John Dee, Chief Operating Officer PlaceWise Media Mind the Google! Understanding the Impact of the
More informationMobile Cash Management
Mobile Cash Management Best Practices Presented by: Ed Hiddleson Date: April 19/20, 2018 Agenda I. Current Mobile Banking Landscape II. Benefits of Mobile Banking III. Mobile Security IV. The Future of
More informationRetail Get more out of your mobile campaigns
Retail Get more out of your mobile campaigns It s all about providing the convenience of being able to shop and pick up products when they want, where they want. Mobile is at the nucleus of this change.
More informationHOW CANADIANS BANK. Annual tracking study on Canadian attitudes and behaviours towards banking. Prepared for:
HOW CANADIANS BANK Annual tracking study on Canadian attitudes and behaviours towards banking Prepared for: 2016 METHODOLOGY Data collection method Hybrid phone/online survey methodology. 817 interviews
More informationSMARTPHONE LAUNCH CAMPAIGN. Australia 2017
SMARTPHONE LAUNCH CAMPAIGN Australia 2017 Timing is everything Changing landscape Details matter Timing is everything Changing landscape Details matter New device arrivals follow 3 key stages: pre-announcement,
More informationThis study is brought to you courtesy of.
This study is brought to you courtesy of www.google.com/think/insights Health Consumer Study The Role of Digital in Patients Healthcare Actions & Decisions Google/OTX U.S., December 2009 Background Demonstrate
More informationEvery product has a story. Let ScanLife tell it.
Every product has a story. Let ScanLife tell it. Think of ScanLife as the get more button. And you decide what happens when they press it. Go to website Save a contact Initiate a call Send an SMS Send
More informationOnline Banking Overview. Frequently Asked Questions & Common Support Topics
Online Banking Overview Frequently Asked Questions & Common Support Topics Please use the bookmarks to the left to navigate this document, or CTRL+F to search using a keyword pertaining to your question.
More informationConsumers Use of Mobile Financial Services 2015
Consumers Use of Mobile Financial Services 2015 Arturo Gonzalez and Ellen A. Merry Division of Consumer and Community Affairs Federal Reserve Board The analysis and conclusions set forth in this presentation
More informationInterim Report Technical Support for Integrated Library Systems Comparison of Open Source and Proprietary Software
Interim Report Technical Support for Integrated Library Systems Comparison of Open Source and Proprietary Software Vandana Singh Assistant Professor, School of Information Science, University of Tennessee,
More informationRole of search in retail banking. Analysis of current account usage and application in Italy APRIL JUNE 2011
Role of search in retail banking Analysis of current account usage and application in Italy APRIL JUNE 2011 OBJECTIVES Map the role of search in current account usage and the application process in the
More informationBarcode Scanning Usage Among Smartphone Owners
Barcode Scanning Usage Among Smartphone Owners Danielle Nohe, Director About Compete Compete connects the dots from online insights to marketing ROI Increase online and offline marketing effectiveness
More informationJavelin s Top Financial Institutions for Mobile Banking in 2013
November 2013 Javelin s Top Financial Institutions for Mobile Banking in 2013 Growth in mobile banking adoption was strong in 2013, as financial institutions bolstered their offerings and consumers continued
More informationUs bank aba wire Wire transfer wire U.S. ABA ABA U.S. Bank wire ABA ABA bank wire U.S. Bank ABA ABA wire US Bank US Bank US Bank Bank Bank bank bank
Us bank aba wire Wire transfers provide near-immediate transfer of funds, making them a fast and convenient way to move money around the country or around the world. Please select the bank of your choice:
More informationPersonal Banking Upgrade 2.MO Guide
Personal Banking Upgrade 2.MO Guide Everything You Need to Know About our Upcoming Enhancements What s Inside? Key dates when systems will be unavailable Instructions for logging into Online Banking after
More informationP2P Instructions. 4. Select Person to Person
P2P Instructions 1. To utilize P2P, you need to first be enrolled in digital banking. Sign up at www.ucbankmn.com or enroll directly through our mobile app. (To learn more about digital banking see https://www.ucbankmn.com/eservices/online-banking.)
More informationNovember 2016 G. Oscar Anderson, Senior Research Advisor AARP Research
November 2016 G. Oscar Anderson, Senior Research Advisor AARP Research https://doi.org/10.26419/res.00140.001 AARP is a nonprofit, nonpartisan organization, with a membership of nearly 38 million that
More informationInsights JiWire Mobile Audience Insights Report Q4 2012
Table of Contents Mobile Audience Trends 2-6 Connected Device Adoption & Trends 7-10 Worldwide Location Highlights 11-12 Public Wi-Fi Trends 13 79.5 % of mobile consumers are influenced by the availability
More informationRegistration. Adding Accounts. How do I sign up for this service? The sign-up process for this service is quite simple.
Registration How do I sign up for this service? The sign-up process for this service is quite simple. Step 1: Complete a short registration form. If you want to, you can register the accounts you hold
More informationPERSONAL ONLINE BANKING USER GUIDE
PERSONAL ONLINE BANKING USER GUIDE Table of Contents Getting Started... Account Summary...4 Navigation Tools... 5-6 Account History...7 Quick Reference Guide... 8-9 Frequently Asked Questions...0 Need
More informationBanking System Upgrade - Frequently Asked Questions (FAQs)
Banking System Upgrade - Frequently Asked Questions (FAQs) What does banking system upgrade mean and why do we need to upgrade our banking system? A banking system upgrade means we are changing the technology
More informationMaximising Search Engine Marketing. Search Marketing and Google Analytics
Maximising Search Engine Marketing Search Marketing and Google Analytics Why Digital Marketing? UK Business Digital Index 2016 52% state cost savings is one of the advantages to being online, a significant
More informationFREQUENTLY ASKED QUESTIONS
DISTRICT 7030 WEBSITE FREQUENTLY ASKED QUESTIONS NB: THIS WILL BE REGULARLY UPDATED FOR YOUR INFORMATION. 1. This website works better with the following browsers: Internet Explorer (IE) and Google Chrome.
More informationTraveler s Path to Purchase
Traveler s Path to Purchase DEREK PRICE Director, North America Expedia Media Solutions Previous experience: More than 20 years experience in the travel industry holding roles in everything from Leisure
More informationThis study is brought to you courtesy of.
This study is brought to you courtesy of www.google.com/think/insights The Inside Look at the Travel Boomer Buff Google/Nielsen Online/Sterling U.S., September 2010 Study Scope and Methodology Survey Approach
More informationDIGITAL AND MOBILE BANKING USER GUIDE
DIGITAL AND MOBILE BANKING USER GUIDE 2018 First Tennessee Bank National Association operating as First Tennessee Bank and Capital Bank. Member FDIC. NEW 04/18 USER GUIDE GETTING STARTED 3 Logging in with
More informationOnline Referee Management Solutions. Arbiter RefPay Integration
Arbiter RefPay Integration Creating a RefPay Account Begin by going to www.refpay.com and click Sign-up / Register, which will start the six-step registration process. Enter your personal information Date
More informationMobile Cash Management
Mobile Cash Management Best Practices Presented by: Dawn Papadatos Date: April 24, 2017 Agenda I. Current Mobile Banking Landscape II. Benefits of Corporate Mobile Banking III. Mobile Security IV. The
More information/ 1. Online Banking User Guide SouthStateBank.com / (800)
/ 1 Online Banking User Guide SouthStateBank.com / (800) 277-2175 06132017 Welcome Thank you for using South State s Online Banking. Whether you are a first time user or an existing user, this guide will
More information24 Hour Online Banking Guide
TABLE OF CONTENTS Please review this online services e-booklet to review all convenient electronic services available to you as a member of Advia Credit Union. Our promise is to offer advantages to our
More information/ 1. Online Banking User Guide SouthStateBank.com / (800)
/ 1 Online Banking User Guide SouthStateBank.com / (800) 277-2175 01242018 Welcome Thank you for using South State s Online Banking. Whether you are a first time user or an existing user, this guide will
More informationApp-nesia in the UK The need for app re-engagement marketing
App-nesia in the The need for app re-engagement marketing Ipsos, March 2015 Background In our mobile-first world, brands know it s key to build an app and offer a fantastic user experience. A great app
More informationWHAT ARE MOBILE PHONE SHOPPERS SEARCHING ONLINE?
WHAT ARE MOBILE PHONE SHOPPERS SEARCHING ONLINE? Data Centric Insights on Mobile Phone Brands Considered by Shoppers August 2018 Sparkwinn Research The Smart Shopper Insights Report June 2018 has been
More informationWhat is Mobile Deposit? What items can be deposited via Mobile Deposit? What items cannot
Mobile Deposit FAQ s What is Mobile Deposit? What items can be deposited via Mobile Deposit? What items cannot be deposited through Mobile Deposit? Are Mobile Banking and Mobile Deposit secure? What are
More informationFinancial Services and Insurance. Get more out of your mobile campaigns
Financial Services and Insurance Get more out of your mobile campaigns Table of contents Mobile user behavior trends: Financial Services State of financial services mobile advertising Bing Network marketplace
More informationClinCard Reference Guide: Site Coordinator
ClinCard Reference Guide: Site Coordinator Please review the JCTO SOP located in the Researcher s Toolbox How to Login to www.clincard.com 1) Login to www.clincard.com. 2) Enter your login and password
More informationMobile Remote Deposit Capture:
Mobile Remote Deposit Capture: Driving Profitability and Customer Retention Presenters: Mary Monahan, EVP/Research Director, Javelin Patrice Peyret, CEO, Plastyc Mobile Banking and Commerce Summit: June
More informationTHE AUSTRALIAN ONLINE LANDSCAPE REVIEW JULY 2015
THE AUSTRALIAN ONLINE LANDSCAPE REVIEW JULY 2015 STATE OF THE ONLINE LANDSCAPE July 2015 Welcome to the July 2015 edition of Nielsen s Online Landscape Review. The online landscape in July saw Australians
More informationNMEDA CAP Report July 2015
MONTHLY PERFORMANCE REPORT NMEDA CAP Report July 2015 SUMMARY AT-A-GLANCE Media spend for July 2015 was $2,900.17, the amount was low due to working on a new media plan and QAP ad campaign. Media spend
More informationTechnology Upgrade User Guide
Technology Upgrade User Guide TABLE OF CONTENTS Message from the President/CEO... 1 Technology Upgrade Information... 2 Why Are We Upgrading?... 2 Important Dates to Remember... 3 Upgrade Impacts Debit
More informationPost PC Era: Mobile Banking & Payments in Emerging Markets. Report Covers: India, Kenya, Indonesia, Ghana and Nigeria
Post PC Era: Mobile Banking & Payments in Emerging Markets Report Covers: India, Kenya, Indonesia, Ghana and Nigeria In emerging markets, formal banking only reaches a small percent of the population,
More informationHow to Make a One-Time or Recurring Financial Gift to WCC
One Time or Recurring Financial Gifts You can give a one-time or recurring (weekly, monthly, etc.) gift to the church via the WCC Member Portal using your checking account Bank Routing and Account Numbers.
More informationNinthDecimal Mobile Audience Insights Report. Q Spotlight on Quick Service (QSR) & Casual Dining Restaurants
NinthDecimal Mobile Audience Insights Report Q4 2013 Spotlight on Quick Service (QSR) & Casual Dining Restaurants Research Overview Consumer Dining Frequency 2 Mobile Influence on Path to Purchase 3-7
More informationLogin Procedures. Access Treasury Gateway by entering the site address in your web browser navigation box: https://securentrycorp.calbanktrust.
Treasury Gateway Getting Started Guide Treasury Gateway is a premier single sign-on and security portal which allows you access to multiple services simultaneously through the same session, provides convenient
More informationMAXIMIZING ROI FROM AKAMAI ION USING BLUE TRIANGLE TECHNOLOGIES FOR NEW AND EXISTING ECOMMERCE CUSTOMERS CONSIDERING ION CONTENTS EXECUTIVE SUMMARY... THE CUSTOMER SITUATION... HOW BLUE TRIANGLE IS UTILIZED
More informationBEST PRACTICE GUIDE ON THE USE OF THE ELECTRONIC COMMON TECHNICAL DOCUMENT
CMD(h) BEST PRACTICE GUIDE ON THE USE OF THE ELECTRONIC COMMON TECHNICAL DOCUMENT (ectd) IN THE MUTUAL RECOGNITION AND DECENTRALISED PROCEDURES April 2008 in the MRP/DCP April 2008 Page 1/29 TABLE OF CONTENTS
More informationThe Impact of Growing Utility Mobile Bill Payments on E-Bill Adoption and Card Funded Payments. Eric Leiserson, Director of Research, Fiserv
The Impact of Growing Utility Mobile Bill Payments on E-Bill Adoption and Card Funded Payments Eric Leiserson, Director of Research, Fiserv Mobile s Hyper Evolution in Utility Bill Payments 2011: Mobile
More informationMobile Search. Understanding How Mobile Drives Conversions March 2013
Mobile Search Moments Understanding How Mobile Drives Conversions March 2013 Agenda Understanding mobile search Mobile search drives multi-channel conversions Mobile search drives behavior in the moment
More informationWEB 2.0 & EAST ASIAN LIBRARIANS JIANG, SHUYONG
WEB 2.0 & EAST ASIAN LIBRARIANS JIANG, SHUYONG ALA-AAMES June 27, 2010 Washington D.C. East Asian Librarian Survey on Using Web 2.0 Tools It is to know how and what web 2.0 tools are used in promoting
More informationGLOBAL MOBILE PAYMENT METHODS: FIRST HALF 2016
PUBLICATION DATE: OCTOBER 2016 PAGE 2 GENERAL INFORMATION I PAGE 3 KEY FINDINGS I PAGE 4-8 TABLE OF CONTENTS I PAGE 9 REPORT-SPECIFIC SAMPLE CHARTS I PAGE 10 METHODOLOGY I PAGE 11 RELATED REPORTS I PAGE
More informationmysmart Cash Account SM
All the benefits of a traditional checking account and more. Only from Fidelity. mysmart Cash Account SM PRODUCTS & SERVICES WHAT S A MYSMART CASH ACCOUNTSM? The mysmart Cash AccountSM is an everyday spending
More informationThe Future of the Mobile Wallet: Barriers and opportunities for the 2012 next stage of the mobile payment revolution 2015.
The Future of the Mobile Wallet: Barriers and opportunities for the 2012 next stage of the mobile payment revolution 2015 About this study The mobile wallet revolution is well underway, but the winning
More informationT he Inbox Report 2017
Search Inbox Sent 1 Fluent LLC to me 2:10 Drafts Spam Trash T he Inbox Report 2017 CONSUMER PERCEPTIONS OF EMAIL loading... REVEAL MORE Click here to Reply Inbox Report 2017 Page 1
More informationGet Paid FREE N500 Bonus Into Your Bank Account PLUS Free ATM Digital Debit MasterCard to Withdraw
Get Paid FREE N500 Bonus Into Your Bank Account PLUS Free ATM Digital Debit MasterCard to Withdraw Get 10% p.a Interest Rate On Your Savings = Three Times The Savings Rate Obtainable elsewhere In The Industry
More informationCashPro Online. CashPro Statements. Getting Started Guide
CashPro Online CashPro Statements Getting Started Guide Table of Contents Introduction... 3 Demand Deposit Account Online Statements Overview... 3 Accessing Demand Deposit Account Online Statements...
More informationPUP (People U Pay) FREQUENTLY ASKED QUESTIONS
PUP (People U Pay) FREQUENTLY ASKED QUESTIONS Account Transfers (A2A) Standard Transfers (Duration 3 5 Business Days) Limits: LIMITS & FEES Fees: Min $20.00 per transfer Max. $1000.00 per transfer Max.
More informationFrequently Asked Questions PopMoney
Frequently Asked Questions PopMoney What is PopMoney? PopMoney is an innovative personal payment service that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing
More informationResearch Report: Voice over Internet Protocol (VoIP)
Research Report: Voice over Internet Protocol (VoIP) Statement Publication date: 26 July 2007 Contents Section Page 1 Executive Summary 1 2 Background and research objectives 3 3 Awareness of VoIP 5 4
More informationPresentation title goes here
Financial Review Presentation title goes here Fritz Joussen Chief Operating Officer, Vodafone Germany Vodafone Germany Investor & Analyst Day 14 07 2005 1 Agenda Market Overview Commercial Strategy Financial
More informationIndustrial Machinery. Search Marketing Case Study
Industrial Machinery Search Marketing Case Study 2015-2016 A performance digital marketing consultancy & training academy. Our team comprises of digital researchers, strategists, consultants, usability
More informationDigital Wallets In Depth What are they? How do they work? And where do credit unions fit in?
Digital Wallets In Depth What are they? How do they work? And where do credit unions fit in? 1 Today s Presenters CAROLINEWILLARD Executive Vice President, Marketing & Strategy AMANDASMITH Senior Manager,
More informationNinthDecimal Mobile Audience Q Insights Report
Q3 2013 Insights Report Research Overview Device Ownership and Usage 2 Consumer CPG Path to Purchase Behaviors 3-11 Mobile Ad Performance 12-13 Connected Device Trends & Adoption 14-15 Worldwide Location
More informationOnline Banking User Guide
TABLE OF CONTENTS TABLE OF CONTENTS... 1 INTRODUCTION... 4 QUICK REFERENCE... 4 LOG ON... 4 SECURITY PROFILE... 4 LOG ON... 5 ENTER YOUR USER ID... 5 REVIEW SECURE IMAGE & PHRASE, ENTER PASSWORD... 6 FIRST
More informationOMNI BANK S ONLINE BANKING GUIDE
OMNI BANK S ONLINE BANKING GUIDE Member FDIC Page 1 of 17 TABLE OF CONTENTS LOGGING IN TO ONLINE BANKING..... Page 3 SETTING UP PASSMARK Page 4 ACCOUNT SUMMARY... Page 5 ACCOUNT DETAIL... Page 6 EXPORTING
More informationPOSTAL AND TELECOMMUNICATIONS REGULATORY AUTHORITY OF ZIMBABWE (POTRAZ)
POSTAL AND TELECOMMUNICATIONS REGULATORY AUTHORITY OF ZIMBABWE (POTRAZ) ABRIDGED POSTAL & TELECOMMUNICATIONS SECTOR PERFORMANCE REPORT FOURTH QUARTER 2017 Disclaimer: This report has been prepared based
More informationPOSTAL AND TELECOMMUNICATIONS REGULATORY AUTHORITY OF ZIMBABWE (POTRAZ)
POSTAL AND TELECOMMUNICATIONS REGULATORY AUTHORITY OF ZIMBABWE (POTRAZ) ABRIDGED POSTAL & TELECOMMUNICATIONS SECTOR PERFORMANCE REPORT THIRD QUARTER 2017 Disclaimer: This report has been prepared based
More informationPopmoney Frequently Asked Questions
Popmoney Frequently Asked Questions Popmoney is a powerful new personal payment service that lets you Pay Other People anywhere, anytime using Citizens Business Bank s Personal Mobile App or Personal Online
More informationCMR India Monthly Mobile Handset Market Report. June 2017
CMR India Monthly Mobile Handset Market Report June 2017 Cyber Media Research Ltd. www.cmrindia.com Submitted by: Copyright 1 Copyright 2017 Cyber 2017 Cyber Media Media Research Research Ltd. Reproduction
More informationONLINE & MOBILE BANKING UPGRADE
ONLINE & MOBILE BANKING UPGRADE COMING MARCH 2018 MEMBER FDIC E-BANKING UPGRADE AT A GLANCE In order to enhance your banking experience, German American State Bank is excited to announce we will soon be
More informationThe USA PATRIOT Act. Section 314 Info Requests
The USA PATRIOT Act 314(a) Information Requests Procedural Training Prepared by Financial Solutions Section 314 Info Requests Section 314 authorizes law enforcement authorities to communicate with banks
More informationSAS Scalable Performance Data Server 4.3
Scalability Solution for SAS Dynamic Cluster Tables A SAS White Paper Table of Contents Introduction...1 Cluster Tables... 1 Dynamic Cluster Table Loading Benefits... 2 Commands for Creating and Undoing
More informationRegistered Prep provider of CFA Institute IMS PROSCHOOL
Registered Prep provider of CFA Institute Agenda CFA Qualification Career Prospects CFA Advantage Your pathway to CFA Qualification Training Programs IMS Proschool CFA at a glance Chartered Financial Analyst
More information0-60: Lessons Learned from Creating a Successful Ecommerce Program From Scratch
0-60: Lessons Learned from Creating a Successful Ecommerce Email Program From Scratch Susan Baier Multichannel Marketing Manager Interactive Services Esscentual Brands Interactive) Sunday, March 4, 2007
More informationUpdated for The Salvation Army Southern Territory Users
CDS Global Lockbox iremit Manual Updated for The Salvation Army Southern Territory Users Logging In Secure Login Information Before you attempt to access iiremit, secure the necessary login information
More informationMobile Search: Techniques and Tactics for Marketers
Mobile Search: Techniques and Tactics for Marketers Follow along using #mobileppc Eli Goodman & Mike Solomon *Note: A copy of this presentation will be sent to all attendees within 2-3 business days Our
More informationResearch & purchasing of auto aftersales products. Usage of the Internet and other sources in the French automotive aftersales market JULY 2011
Research & purchasing of auto aftersales products Usage of the Internet and other sources in the French automotive aftersales market JULY 2011 OBJECTIVES Understand how French consumers use the Internet
More informationNinthDecimal Mobile Audience Q Insights Report
Q1 2012 Insights Report Table of Contents Connected Device Trends 2-3 Mobile Shopping Behavior 4-5 Location Trends 6-7 Connected Device Adoption 8-9 On-the-go Consumers 37 % Worldwide Location Highlights
More informationAPPROVING EXPENSE REPORTS. Myrna Sta Ana Accounts Payable
APPROVING EXPENSE REPORTS Myrna Sta Ana Accounts Payable When an expense report is Submitted for Approval, the approver receives an email alerting them that an expense report is awaiting their approval.
More informationMobile Banking Resource Guide
Mobile Banking Resource Guide Member FDIC Welcome A Quick and Easy Guide to Mobile Banking Whether you re at home, at work or on the road, we are here for you 24 hours a day, 7 days a week with our Mobile
More informationOnline Banking User Guide
Online Banking User Guide Contents Login... 1 Passcode... 1 Online Agreement... 2 Online Banking ID Change... 2 Watermark Selection... 3 Multi-Factor Authentication Security Question Collection... 3 Update
More informationThis report is based on sampled data. Jun 1 Jul 6 Aug 10 Sep 14 Oct 19 Nov 23 Dec 28 Feb 1 Mar 8 Apr 12 May 17 Ju
0 - Total Traffic Content View Query This report is based on sampled data. Jun 1, 2009 - Jun 25, 2010 Comparing to: Site 300 Unique Pageviews 300 150 150 0 0 Jun 1 Jul 6 Aug 10 Sep 14 Oct 19 Nov 23 Dec
More informationNBT BANK MOBILE BANKING. How To Guide
TABLE OF CONTENTS PERSONAL AND BUSINESS BANKING CUSTOMERS How to Enroll...3 Accessing and Using NBT Bank Mobile Banking...5 Welcome to the NBT Bank Mobile Banking Application...7 Using Mobile Deposit...8
More informationView Payments. User Guide. Online Merchant Services
View Payments User Guide Online Merchant Services Copyright Statement Copyright 2010-2011 by American Express Company. All rights reserved. No part of this document may be reproduced in any form or by
More informationScotiabank Student GIC Program Application Guide - Please Read Before Applying. Important Dates to Remember:
Scotiabank Student GIC Program Application Guide - Please Read Before Applying According to Citizenship and Immigration Canada (CIC) guidelines under the Student Partners Program (SPP) and Study Direct
More informationElectronic Payments & Statements (EPS) Frequently Asked Questions (FAQs)
Electronic Payments & Statements (EPS) Frequently Asked Questions (FAQs) As of August 25, 2014, your PAF reimbursements can be made by direct deposit. How do I enroll for direct deposit? You can enroll
More informationRecurring Payment Quick Reference Guide
H O M E O W N E R S A S S O C I A T I O N S E R V I C E S Recurring Payment Quick Reference Guide 1. Go to HOABankservices.com. www.hoabankservices.com 2. Click the Make Payment link. 3. Click in the Sign
More informationFaster, Better, and Cheaper? Building the SD-WAN Business Case
Faster, Better, and Cheaper? Building the SD-WAN Business Case John Burke CIO & Principal Research Analyst Nemertes Research john@nemertes.com @burkejohne #FutureWAN Agenda ±About Nemertes ±The Current
More informationAsks for clarification of whether a GOP must communicate to a TOP that a generator is in manual mode (no AVR) during start up or shut down.
# Name Duration 1 Project 2011-INT-02 Interpretation of VAR-002 for Constellation Power Gen 185 days Jan Feb Mar Apr May Jun Jul Aug Sep O 2012 2 Start Date for this Plan 0 days 3 A - ASSEMBLE SDT 6 days
More informationOctober Real Sector Statistics Division. Methodology
October 2013 Methodology The Consumer Survey has been conducted monthly since October 1999. Moreover, since January 2007 the Survey has involved 4,600 households as respondents (stratified random sampling)
More informationFor the mobile people of. Oulu
For the mobile people of Oulu 1 Case panoulu and Competence Oulu 400 - Topics Competence Oulu 400 project panoulu - shortly Framework: planning the expansion of panoulu 2 Competence Oulu 400 Competence
More information