Kelly Martin
Having worked in both retail and commercial banking in the US, Kelly is passionate about product innovation in banking and payments. In her role as an Online Banking Product Manager for M&T Bank, Kelly roots her approach to product development in creating a rich and intuitive customer experience. The views and opinions expressed by Kelly are hers and in no way reflect those of M&T Bank.
Banks are quickly moving their focus away from traditional methods of sales and servicing. Money is no longer being spent building branches, but rather on closing their doors. With the typical customer no longer needing to visit their local bank to cash their payroll check, this makes plenty of sense. Consumers are visiting brick […]
Jonathan Jensen recently highlighted the theme of friction in payments and the importance of focusing on the customer experience. I couldn’t agree more with his sentiments. I began to consider my own experience with mobile payments. Over the past few years, I’ve tried plenty of mobile wallets, payment apps and peer-to-peer (P2P) payment solutions. I’ve […]
Banks are quickly moving their focus away from traditional methods of sales and servicing. Money is no longer being spent building branches, but rather on closing their doors. With the typical customer no longer needing to visit their local bank to cash their payroll check, this makes plenty of sense. Consumers are visiting brick […]
Google Wallet, Dwolla, Lemon, Square, Venmo, the list goes on. There is no shortage of mobile payment solutions in the market. A new start-up or “major announcement” seems to appear in news feeds almost daily. With so much activity, why are we still pulling out credit cards and cash? In large part, we are […]
There’s plenty of criticism pointed at banks for being slow to move in the mobile payment space (estimated to grow from $18 billion in 2012, to $117 billion in 2017). Investment in mobile payment is climbing yet banks remain largely on the sidelines. There are plenty of reasons why banks are not among the crowd […]
A new year brings new activity and investment in the payment space… but perhaps not the kind we’re hoping for. Recent announcements from major players as well as new product launches in the industry have arguably shifted the focus away from the mobile device and presented consumers with more options. The good news: a more […]
With increasing regulation in financial services in recent years, many banks are feeling a tightening of the wallet when it comes to innovation in consumer products and services. Investment spend that in years past has gone toward mobile and online advancement is now being spent on regulatory projects or worse, fines. At least in the […]
With ISIS finally having launched nationally in the U.S., many will be watching to track its success (or lack thereof). Yet, perhaps stakeholders should be turning their attention to another more promising mobile payment solution: MCX. Merchant Customer Exchange (MCX) represents a partnership of some of the largest U.S. retailers including Wal-Mart and Target. The […]
Once again, I am unimpressed. Another September Apple event, another iPhone release, and another missed opportunity to become a major player in the mobile payment space. Apple is taking steps towards getting into the payments game, but it is not nearly enough. Tim Cook and his team should be jumping in to the deep end […]
This summer proved to be a busy time for ISIS, the American based mobile wallet driven by Verizon, AT&T, and T-Mobile. News out of ISIS aims to further expand the reach and power of their mobile wallet offering but will it be enough to get both merchants and consumers on board? The Good News… In […]
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