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Author: Steve Williams

Dec
02
2002

Thank God for Non-Interest Income

Since 1992, the banking industry has managed to push its efficiency ratio down from 65% to 55%. Revenue per employee has skyrocketed from $133,000 to $228,000 in the same time period. How in the world did we improve our margins so significantly? Two words: non-interest income. [Read more]

Steve Williams
Nov
01
2002

Web of Complexity?

The industry is abuzz with talk of Web services, XML, SOAP, .Net, WSDL - all neat new ways of describing the perpetual lie in technology: "Someday soon, computer systems will integrate seamlessly with one another." If business areas and I.T. groups do not work together on designing a Web infrastructure, we all will get the technology environment we deserve. [Read more]

Steve Williams
Sep
06
2002

Cranking Up Cash Management

The strategic talk about cash management is partially lip service. Helping businesses manage their money is the world's second oldest profession, but our industry struggles to fully respect and integrate cash management into our core business. if your bank has the stomach for a real cash management strategy, I offer this action plan. [Read more]

Steve Williams
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