33SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Ron Daly Ron Daly is the president and CEO of Virtual StrongBox, a secure, end-to-end member engagement platform that can be integrated into various workflow processes to provide high-risk Enterprise IT firms … Web: www.virtualstrongbox.com Details As if our stress-laden society didn’t have enough fears and phobias, now there’s nomophobia – “the fear of being without a mobile phone.” It’s that sinking feeling you get when you can’t find your phone or know you left it at home. The British Post Office coined the term “nomophobia” in 2010, and for some it’s a real anxiety. That isn’t surprising. Market research firm IDC found that 79% of smartphone users have their phones on or near them every waking hour. There were some 7.7 billion mobile devices worldwide by the end of 2014 – more than one for each of the earth’s 7.1 billion people. And nearly 2 million smartphones are sold daily – five times more than the number of babies born each day. But is the ubiquitous nature of digital devices really bad for the psyche? Smart technology is making it easier to navigate our increasingly complex society, and convenience is top of mind for most of us. Whether you’re buying theatre tickets or booking travel, checking the weather or finding the best route in traffic, these tools reduce hassle and save time. You can stay on top of work projects, keep up with friends, or gather information. And for many, smartphones allow working from home at least part of the time.Must-have vs. would-be-niceMost credit unions today know digital technology is here to stay and that offering mobile banking is a must-have app, not just a nice alternative aimed at tech-oriented consumers. It’s as basic as the branch, and more widely used – a shift from just four years ago. According to CEB (now part of Gartner), more than half of North American customers said they want to use via a personal channel (e.g., branch or call center) as recently as 2013. But by 2015, 81% favored do-it-yourself banking. Of those, 23% exclusively prefer mobile, while 58% prefer the mobile channel but also want a personal representative available only if needed.Most credit union execs agree they must offer mobile apps today, but here’s the rub: A basic service with few or no complementary financial apps might not be enough – especially if it isn’t easy to use. The CEB/Gartner research also showed that consumers want more functionality, such as digital apps that help them in other areas, such as money management, goal-setting and advice.It’s no wonder; they’ve learned from cloud-based retailers and service providers that there’s even more convenience to be had. Amazon is the obvious example: While the online giant has offered 1-click purchasing since its earliest days, Amazon continually makes upgrades to simplify buying decisions, from targeted suggestions to easy order-tracking and “dash buttons,” to reminders that it’s time to reorder often-used products. And Amazon’s Prime app offers perks like exclusive mega deals, no-cost content streaming and free shipping. Groupon also caught on early that it wasn’t enough to offer an app for discounted merchandise and services through a group-buying model. The Company has gone on to make couponing “cool” again with a splash of technology and enabling consumers to control their own experiences. Coupled with Snap, an app and intuitive browser, Groupon earned its spot as “Best Retail App” last year. But you don’t have to win awards or be the biggest online financial institution to meet members’ expectations. Using the right cloud technology can get you there without breaking the budget. A Walk in the CloudIn talking with credit union executives, I’ve found three reasons why some don’t take advantage of the cloud to expand their digital offerings: 1.“I can’t justify tossing out our legacy system when it still works.” Instead of chucking what you have now, cloud technology can help integrate the old and the new. A sound Application Program Interface (API) strategy allows you to affordably connect current systems to apps that complement members’ mobile banking, such as setting and tracking savings goals, making the home-buying process easier or help staying on budget.2. “We’re swamped now, and everyone already has too much on their plates.”Connecting current systems to cloud technology doesn’t have to be all or nothing; and focusing on one area at a time makes it easier. I recommend starting with enhancing mobile banking because members expect a digital experience that meets or exceeds the standard set by other apps they use. 3. “Data breaches and other cybercrimes happen all the time; we can’t take that chance.”The public cloud can be scary, requiring high-risk industries like financial services to be ultra-secure. That’s why Virtual StrongBox provides its secure customer engagement platform to clients. It offers peace of mind with patented end-to-end encryption technology, secure file-exchange with permission-based document sharing, private-cloud infrastructure that is SSAE16SOC-complaint and redundant servers. “Banking is necessary, banks are not”Famous words from Bill Gates more than 20 years ago and still relevant. While banking is our business, it isn’t all that important to consumers; most want to spend as little time as possible doing it. To help them appreciate your credit union, offer the financial tools and apps members want and need. Choose those that can make their lives easier and be used on any digital device – an important consideration for those experiencing nomophobia.No one wants the anxiety of a misplaced smartphone. But technology can help here, too. For example, Virtual StrongBox’s clients offer their members/customers secure, online “safe-deposit” boxes. Each member has a private space (My Virtual StrongBox), where they can store and access copies of vital documents anywhere there is an internet connection, and on any device. Files stored from their smartphones can easily be retrieved on their laptops or tablets.The busier we get and the more we rely on our digital devices, the more your m will demand a fully-functioned app. Sure, if you’re a nomophobe, it’s frightening when you can’t find your phone. But apps like “find a phone” or Tile Mate can help track them down and even lock them up. So, take a deep breath and relax; your phone will turn up … eventually.
The Senate Banking Committee will hold a hearing next Tuesday on consumer data security at the credit bureaus in further follow-up to the Equifax data breach, which affected potentially more than 145 million Americans. NAFCU continues to advocate for a strong national data security standard.The hearing will begin at 10 a.m. Eastern Tuesday.During the Oct. 17 hearing, Andrew Smith, a partner at Covington & Burling LLP, will testify on behalf of the Consumer Data Industry Association, which has the mission of educating the public, legislators and regulators about responsible use of consumer data. Marc Rotenberg, president of the Electronic Privacy Information Center, is also set to testify on the importance of upholding consumers’ right to privacy.In addition to obtaining personal information – including Social Security numbers – of 145.5 million Americans, Equifax recently announced hackers gained access to driver’s license information of almost 11 million U.S. consumers. Reports indicate this will likely lead to more fraudulent activity, as driver’s license information is often used to verify a person’s identity when disputing credit-report information. continue reading » 11SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
Wellington Police notes for Friday, Oct. 17 to Sunday, Oct. 19, 2014:Â Friday, October 17, 2014â€¢7:53 a.m. Officers investigated driving while license is suspended in the 1200 block N. C, Wellington.â€¢7:55 a.m. Seth P. Frazee, 21, Wellington was issued a notice to appear for driving while license is suspended.â€¢8:42 a.m. Officers investigated illegal registration in the 800 block N. B, Wellington.â€¢8:42 a.m. Kyle N. Firebaugh, 20, Winfield, was issued a notice to appear for illegal registration.â€¢10 a.m. Officers assisted an outside agency in the 700 block S. Morris Rd, Milan, Wellington.â€¢11:15 a.m. Dustin A. Johnson, 32, Wellington was issued a notice to appear for dog at large and no Wellington registration.â€¢11:42 a.m. Officers took a report of lost property of a license plate in Wellington.â€¢12:23 p.m. Jason L. Brown, 29, Baytown, Texas was issued a notice to appear for speeding 62 mph in a 40 mph zone. â€¢12:30 p.m. Officers investigated two counts dog at large and two counts of no Wellington registration in the 1100 block. S. Jefferson, Wellington. Sunday, October 19, 2014â€¢8:14 a.m. Non-Injury accident in the 1600 block W. Lynn Burris Dr., Wellington involving a vehicle owned by Roselinde Theobald-Harris, Wellington.â€¢2:55 p.m. Officers took a report of an abandoned vehicle by a known owner in the 100 block W. 4th, Wellington.â€¢4 p.m. Officers took a report of suspicious activity in the 1600 block W. 16th, Wellington. Saturday, October 18, 2014â€¢7:34 a.m. Dylan L. Hornecker, 28, Wellington was arrested and confined on a city of Wellington bench warrant for failure to appear.â€¢8:12 a.m. Elizabeth J. Newland, 49, Hiawatha, was issued a notice to appear for disobeyed stop sign.â€¢10:32 a.m. Officers took a report of children in need of care in the 600 block N. Washington, Wellington.â€¢11:45 a.m. Curtis W. Callaway, 29, Wellington was arrested a and confined on a Sumner County Warrant for burglary and theft.â€¢10:48 a.m. Season J. Amos, 34, Wichita, was arrested, charged and confined with obstruction of law enforcement officer.â€¢6:57 p.m. Officers investigated a domestic battery of a known suspect(s) in the 1200 block N. C, Wellington.â€¢7:30 p.m. Officers investigated criminal threat by a known suspect in the 1200 block N. C, Wellington.â€¢9:35 p.m. Tyanna M. Hughes, 18, Wellington was issued a notice to appear for defective headlight.
BARCLAYS PREMIER LEAGUE REVIEWSCHELSEA 3 SUNDERLAND 1GOALS:- CHELSEA: IVANOVIC 5th; PEDRO 13th; OSCAR PEN 50th. SUNDERLAND: BORINI 52nd.Chelsea began life without JosÈ Mourinho by punishing a poor Sunderland at Stamford Bridge. The Blues, watched by incoming caretaker boss Guus Hiddink, took an early lead through Branislav Ivanovic and added a second before the break through Pedro. Oscar’s penalty confirmed the win, though Fabio Borini replied in the second half.EVERTON 2 LEICESTER CITY 3GOALS:- EVERTON: LUKAKU 32nd; MIRALLAS 87th. LEICESTER: MAHREZ PEN 27th, PEN 65th; OKAZAKI 69th.Leicester ensured they will be top of the Barclays Premier League at Christmas by beating Everton at Goodison Park. Riyad Mahrez scored the first of two penalties after Ramiro Funes Mori held back Shinji Okazaki. Romelu Lukaku levelled, but Everton goalkeeper Tim Howard tripped Jamie Vardy to allow Mahrez to convert from the spot a second time. Okazaki scored a third for the Foxes, who held on despite Kevin Mirallas’ late strike.MANCHESTER UNITED 1NORWICH CITY 2GOALS:- UNITED: MARTIAL 66th. VILLA: JEROME 38th; TETTEY 54th.The pressure is on Manchester United boss Louis van Gaal after his team were humbled by struggling Norwich at Old Trafford. Norwich took the lead in the first half through Cameron Jerome. It got worse for the home side in the second half, as Jerome broke clear to feed Alex Tettey, who netted from close range. Anthony Martial pulled a goal back, but United’s winless run is now six games, while Norwich are out of the drop zone.NEWCASTLE UNITED 1ASTON VILLA 1GOALS:- NEWCASTLE: COLOCCINI 38th. VILLA: AYEW 61st.A wonderful second-half strike from Jordan Ayew earned Barclays Premier League bottom-club Aston Villa a valuable point at Newcastle. Ayew drove into the top corner from inside the area to cancel out Fabricio Coloccini’s close-range opener. Both sides had chances to win in the closing stages, with Newcastle striker Georginio Wijnaldum and Villa’s Rudy Gestede having shots saved.SOUTHAMPTON 0TOTTENHAM HOTSPUR 2GOALS:- TOTTENHAM: KANE 40th; ALLI 43rd.Harry Kane scored on his 100th Tottenham appearance, as they moved into the Barclays Premier League top four with victory at struggling Southampton. Kane broke through the Saints’ defensive line and finished coolly for a 10th goal in his past 10 games. Soon after, Dele Alli benefitted from some lax defending to score from close range and put Spurs firmly in control.STOKE CITY 1CRYSTAL PALACE 2GOALS:- STOKE: BOJAN PEN 76th. PALACE: WICKHAM PEN 45th; LEE 88th.Lee Chung-yong came off the bench to claim an 88th-minute winner for Crystal Palace at Stoke, leaving the Eagles level on points with fourth-placed Tottenham. Connor Wickham’s penalty gave Palace a first-half lead, but after Stoke levelled from the spot when Damien Delaney was punished for handball and Bojan stepped up to dispatch his fourth goal of the season, Lee found the net with a 30-yard shot which sailed past Jack Butland on 88 minutes.WEST BROMWICH ALBION 1 AFC BOURNEMOUTH 2GOALS:- WBA: McAULEY 79th. BOURNEMOUTH: SMITH 52nd; DANIELD PEN 87th.Charlie Daniels’ late penalty earned Bournemouth a third successive Barclays Premier League victory at the expense of West Brom, who finished with nine men.The Baggies were a man down in the 34th minute when James McClean was shown red for scything down Adam Smith.The Cherries took the lead when Smith fired in low from 20 yards, before Gareth McAuley equalised with a header. Daniels crashed home the winner three minutes from time, before Salomon Rondon saw red for a clash with Dan Gosling.