I met Mark Rogers after the session about Monitoring Consumer Conversations Online. Market Sentinel helped Avis, the leading car rental company in the UK, to launch their blog WeTryHarder in January 2007.
Avi's main goal for the blog is to engage with its customers and provide the best customer service.
There is a similarity with the heavily regulated banking industry, and the risk of brand damage. Indeed, the car rental industry has been subject to bad press in the last couple of years. Xavier Vallee, Head of Marketing at Avis UK, proudly admitted that Avis put themselves in the line of fire.
Avis wanted to give their customers the chance to express themselves, they wanted to create a dialog. Xavier and his team make sure they respond to every comment, positive and negative.
Being sincere, honest and showing that you listen can help you not only win back an angry customer but turn to a brand ambassador.
Avis approach, with the help of Market Sentinel, is excellent: not only they make sure to respond to every comment on their blog (they have over 300 comments to date) but they also engage with influential industry bloggers, and they proactively browse forums. They surely got inspired by Dell or Sony.
Avis even won an award with their blog: SOCAP Award for innovation in Customer Service.
Mark's advice on how to implement a successful blogging strategy
A blog is an excellent medium to engage with your customers, as long as you make sure you respond to your customer comments.
But how do you show you understand your customers? How can you respond? How can you measure success?
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adtech London 07: a productive first day
Today, I attended my first adtech event as a member of the Press. What a busy and productive day: I pretty much didn't stop meeting people from 9:00am to 6:00pm.
Excellent networking opportunity
One of the key benefits of spending the day at adtech was the opportunity to meet with my peers and renowned experts. I managed to talk (one-to-one) to over 20 people among the extensive list of speakers and delegates.
I even managed to shoot two video interviews of Fergus Hampton, CEO of Millward Brown Precis, and Mark Rogers, CEO of Market Sentinel.
Today, I met some delegates from the following companies: commission junction, MySpace, Grupo Planeta, ad pepper, Jeeran, bebo, Mediacom, Kwiqq, fortune cookie, Canales Alternativos, 1000 heads, vanksengroup, OgilvyOne, market sentinel, Idelix Software, arena, Millward Brown Precis, Cellity, First Choice, Spotify.
Keynote Address: Alan Rutherford, CEO of Digitas Global
As a kick off, most delegates attended the keynote session. Alan is a good speaker, and after starting his speech with his Philippines story, Alan talked about his vision of Marketing 2.0 and he reminded us about several successful online marketing campaigns such as Dove's "Campaign for real beauty", Amex's "The Members Project", Lloyds TSB's "For the journey", Vauxhall and Pontiac's viral marketing campaigns.
Alan showed us a couple of popular videos on the web such as the cadbury video (monkey & Phil Collins) or the Advertiser vs Consumer video (a couple having dinner). Marketeers love that video: Tim Collins, SVP Experiential Marketing at Wells Fargo, showed us the same video at the financial services club event in London in June.
Gorilla Cadbury Advert
Advertiser vs Consumer
I attended the following sessions on Web 2.0:
* Online Communities as a Marketing Tool
* Monitoring Consumer Conversation Online
* Researching and Creating Web 2.0 Experiences
* Blogging French Style
* Social Networking & Community Sites
What's next for HSBC yourpointofview.com?
Yesterday, I had a very good conversation with Catherine Ossemerct, Head of Media-Channels at Fortis. Catherine successfully launched Join2Grow.biz, the online community for Entrepreneurs.
During ou conversation, Catherine told me that she was inspired by yourpointofview.com, a website launched by HSBC back in October 2005 (the advertising agency was JWT). 
If you traveled from London Heathrow in the last two years, you probably noticed the clever HSBC ads:
This was an excellent initiative from HSBC. The global scale and the budget of the advertising campaign made that marketing effort exceptional. The call to action (visit a micro-site) was quite uncommon too.
Engaging people is always a smart move, and this campaign was a perfect opportunity for HSBC to:
* communicate on their global presence
* demonstrate their understanding of the local markets
* communicate a positive image of the company (Corporate Responsibility): your comments matter to them and they are actively involved in good causes such as saving the Earth.
* promote their service: they display banners randomly (cf left handside). They could improve their landing pages. Many times I felt lost on a main page, even when I was invited to download the Social Responsibility Report 2005.
Please find below a few comments and suggestions.
Even though there is not much activity from HSBC, it looks like members are still reacting to old topics and posting comments.
There are four main sections: Topic of the week, Polls & Data, Commentary and eCards. You can also find a few links to the various parts of the HSBC Group, watch all the Ads, Email a Friend, and give your feedback.
Not a social network
It is not a social network, and with this site HSBC didn't create an online community: there is no community section, no "your profile"/"your account" section, you can't browse the member database, you can't see your list of posts and comments, it is not possible to rate a post or find out who the most active member or best contributor is...
I am surprised that they chose not to add such a section. It is an efficient and easy way to do some profiling, identify evangelists and sneezers, reach smaller groups, and market your services in a cost effective way.
Limited web 2.0 features
Yourpointofview.com it is a kind of limited blogging platform. It is not a social network, there is no video, no rss feeds and no tagging.
Key remarks
* Customer journey: watch out the landing pages! You don't want your members to get lost!
* The navigation is not intuitive. They should provide more statistics on the topics and polls (date, volume of responses), and improve the display of responses and comments.
* Search doesn't work?
* Refresh your assets! Logos, banners...
* Email a friend is a good feature and it helps to spread the word. But opening outlook is outdated, it doesn't look automated, and it is not easily trackable. I would create a form, ask for a few contact details such as the email address and name of the recipient, and automatically populate my php database.
Topic of the week
There are only 17 topics, whereas HSBC launched the site in October 2005.
You always need to manage expectations: if you have limited resources allocated to a project, why would you set a demanding frequence for updates? Fresh content and regular posts is critical if you want to drive traffic to your blog and keep your members curious and engaged.
Despite heavily promoting their current topic of the week (which week?), Global Warming, on the homepage, there are only four responses and no comments. And two responses are not even relevant: "Bakster, you know i don't speak spanish!!!!!!" and "Stop illegal logging please!".
There is no date. They don't display the total nb of responses and only four responses are displayed at per page. There is no way to quickly identify the most engaging and relevant responses because the number of comments are not displayed either.
For instance, how was I supposed to know that "Do you worry about internet fraud?" generated so much interest among the members? I found 68 responses...
Polls and data
The most recent poll open was in April 2007, the others are usually from the end of 2006...
You can display the results by country: it is a nice feature, but it could be disappointing or difficult to use because of a potentially small number of respondents (or no respondent at all). They could display the number of respondents and comments.
Commentary
There are only 11 key topics. The content is generated by a team of editors. The members can react and share their comments.
HSBC should leverage more the Polls and Data figures and create more dynamic pages ("how the world voted" in Is a can of tomato soup or an unmade bed really art? is static)
What is their editorial policy? They could ask the members for their favourite topics.
ecards
Why would I send yourpointofview ecards? You need to urge me to send one of your ecards!
And is it the right time to push for HSBC products and services?
How bright is the future for yourpointofview.com?
It looks like there is not much activity on the website... I wonder what HSBC strategy is for yourpointofview.com:
* do they plan to spend more money and take the website to the next level (create an online community, engage their members and leverage web 2.0 technologies such as rss feeds or tagging)?
* today, it looks like they don't allocate any more resources to the website...
The key challenge is not to create a platform, but build and engage your community. Why would I visit this site on regular basis? What can I find on the platform? How useful is the content to me?
And the key question is what is your goal? Create online communities and leverage the trendy web 2.0 technologies is ok but what banks want to achieve? Which segment or group do they target?
Michael Udell - Creator’s Comments:
“Launched in October 2005, yourpointofview.com had been in formulation since the early part of the year; it changed form and structure but always stayed true to HSBC’s objectives.“
“After a number of brainstorms focusing on possible content and functionality we realized that the potential of the site was huge, we just had to remain focused. There was the risk of creating a global dating Web site, connecting people with similar points of view across a range of topics, but that wasn’t our task.“
“To develop an engaging platform that illustrates different points of view, we focused on the topics brought to life in the initial TV and print campaigns (modern art, cloning, wind farms, haute couture and gorillas) and attempted to understand how people reacted to them.“
ING's "Pick your financial advisors" blog
ING is one of the most dynamic and innovative European banks in terms of web 2.0 and buzz/viral marketing. They have a Dutch "mini-state" on Second Life, they recently launched moveoutmoveup.com a viral marketing site with its own profile on YouTube...
On regular basis, I check the ING Asia/Pacific's blog initiated by Jacques Kamp, CEO ING Asia/Pacific. A couple of weeks ago, I found out about their excellent initiative in India, the Pick Your Financial Advisor blog.
I am always very pleased to see a leading bank innovating and utilizing web 2.0 features. Even if the new platform or service is not perfect. Recently, I reviewed the phase 2 of Join2Grow.biz, the European Network for Entrepreneur launched by another innovative bank in the Benelux, Fortis Bank.
My goal is to share my comments and my suggestions to improve the service and better engage their members. The customer experience is key: nowadays, in the web 2.0 era, people want more control. Before launching a new platform, companies should aim to create and build a community. Then, they need to make sure they engage their members and urge them to post some value added content on regular basis. Companies must focus mainly on providing a comprehensive and intuitive platform, and let their members produce the content.
But most banks refrain from implementing web 2.0 technologies because of potential brand damage. They are scared of user-generated content. But an aggressive comment or complain on your blog is not a problem, as long as you respond to it!
PickURAdvisor.com is a sort of blogging platform, not a social network. It is a good initiative, I like the idea of being able to choose your advisor, know a bit more of her/his background and put a face on the advisor, and see some activities and responsiveness from her/him.
As a potential client, it should definitely urge me to use the service and get in touch with the most suitable advisor. Moreover, I have a good feeling about ING which demonstrate they want to develop a good long-term relationship with me.
But how am I supposed to choose among the advisors? How do I get to use this service if ING don't promote it on its website? What if the interface is not intuitive? How comfortable with the service should I be if I find some inappropriate content or other visitors/members personal contact numbers?...
This is a good example of potentially damaging user-generated content. The good news is that it is easily addressable, with a moderator who constantly monitor the blog.
Please find below my comments and my suggestions.
Interface - main menu
FIRST COMPANY TO FEATURE ITS INSURANCE ADVISORS...
It links to the media section of ING's website. You are lost, and there is no link to the original press release...
Is this link targeted to potential clients, potential employees or investors?
BASICS OF LIFE INSURANCE
I think the Font used is too small, and not suited to older people.
There are no hyperlinks on the pages and at the end there is no call to action. For instance, on page 13, I was expecting to find a link to the "Lifemaker application" info page on their website.
It is an interactive book. Why not, but it is not ideal in terms of user experience, and it could have been more interactive. As best practice, I invite you to check "the Virtual Forest" section of first direct interactive.
DOWNLOAD THIS WALLPAPER
Why would I do that? Moreover, it looks like the picture is not displayed on the website... I would be curious to find out a) the reasons why they decided to add that option... b) how many times this wallpaper has been downloaded!
GET TAX FREE INCOME ON RETIREMENT
It is merely a link to the website...
Interface - poor navigability
The interface is not intuitive and a bit messy: a lot of info or features are below the fold, the home button is at the bottom of the page... The user experience is critical if you want to drive traffic to your service, and urge your members to login frequently, be more active and contribute.
* A fair proportion of "communty blogs" are useless: you can only see the standard "Please enter your message here". Also, it is easy to duplicate your message by mistake... Before submitting the post, they should launch a script which controls the body of the message.
* Browsing the communty blogs is not user friendly, and it takes for ever to find a message which is relevant to you.
One of the key misses is the absence of categories or taggs. Tagging is the base of pretty much all the web 2.0 websites and communities. It is a very efficient way to find all the relevant info about a specific topic, share that info between members and urge them to contribute.
Registration & User Profile
Early in the registration process, they ask you to choose my advisor. But how are you supposed to choose your prefered advisor at that stage?
* Add testimonial: it is good to urge your members to leave a testimonial. But here, it looks like there is only one online! Does it mean that: no one ever left a testimonial? They received many testimonials but they were that bad? They receive many testimonials, but they don't bother checking and publishing them?
* Blog rating: this is an interesting feature. Now, I feel like I am in control. But am I rating each post? Or the whole private blog with my personal advisor? What is the impact of my vote? There is no point sending my feedback if no action is taken.
* Reminders: it is a basic reminder/alarm service. I couldn't find the list of reminders on my personal homepage.
* Face-to-Face meeting: when you click on the link, another page appear saying that you will be contacted shortly. That is it!
The Advisor profiles
* The way advisors introduce themselves is diversed but there is no consistency.
Is the goal of the blog to recruit more advisors OR to develop warmer, more personal, relationships with clients? As a potential client, do I really want to hear about "growth potential"? Nope.
* I was surprised to find some personal email addresses?
* I would challenge the value of displaying personal photos. Moreover, most of the time the advisors forgot to add a description. There is no checking: "Upload family photo and enter a caption".
* They introduce their personal background.
Fine, but I need to better understand what their approach is and find out about their key skills which could help me as a client. I need to understand how successful and popular my advisor is: it would be benefitial to have access to the nb of community blogs, private blogs, face 2 face meetings, and blog ratings by advisor.
No control? It means a higher risk of brand damage
No "moderator"? Visitors promote pharmacy, viagra, ringtones, porn...
It looks like the advisors themselves don't check their community blogs!
It does not communicate a positive image of the company. A visitor may well think: "OK it is a good service, but ING don't care. They don't even read the content of the posts..."
No promotion on ING Vysya Life Insurance website?
I briefly browsed the ING V.L.I. website. I may have missed them, but I couldn't find any references or links to pickuradvisor.com.
When companies launch such an innovative service they should: a) be proud, b) communicate and send press releases to early adopters and sneezers, c) promote the new service on their website.
Stats - 31 July 07
* 6 cities & 27 advisors: Bangalore (5), Chennai (5), Delhi (5), Hyderabad (4), Mumbai (4) and Pune (4).
* It looks like there are just 490 posts for over 20 advisors since the launch.
Terms and conditions
I rarely go trough all the T&Cs, but this time I wanted to find out more about ING's policy in terms of control and moderation on the blog.
Messages
This site hosts message boards, and chat services for both public and private forums. The Users may please note that any information that is disclosed in public forums becomes public information. Users should exercise caution when deciding to disclose their personal information on such forums.
Fair enough, but what if the advisors are asking for those contact details in the community blogs... Should they do it? On many occasions, I found some personal contact details in public posts.
Editing
IVL reserves the right to edit/delete the content contributed by Users in its blog forums, if the same in the opinion of IVL is against law, morality and IVL’s Business Principles.
Cf my "No control?" section...
Wells Fargo 2.0
My goal with this post was to list and comment the key online initiatives & features Wells Fargo launched in the last couple of years.
Please note my list is surely not exhaustive.
I started to keep track of Wells Fargo (WF) a few month ago, at the Online_Banking_Summit_2007 in Charlotte, North Carolina. I was one of the key speakers and my panel was on banking and web 2.0.
Among my fellow speakers and the attendees, there were a few people from Wells Fargo. I am glad I had the chance to meet Richard Weeks, Senior Vice President - Business Internet Services, and his colleagues David and Barry.
Best of breed: Innovation, customer experience and web 2.0
As far as I am concerned, WF is the most innovative bank online: they use many web 2.0 features and provide one of the best customer experience on the web.
They even have a VP, social media: Ed Terpening.
Check Ed's interview.
Ed, what a great job you have!
Wells Fargo online banking services won many awards in the last couple of years: Global Finance Magazine (2005), Global Finance Magazine (2006), NetBanker (2006).
Please find below a list of articles published in 2002, 2004 and 2005 demonstrating Wells Fargo's core strategy to integrate all channels and to provide the best possible online customer experience:
* Wells Fargo: All ATMs Now Web-Enabled, All Banking Stores with Online Stations (2005)
* Wells Fargo Re-Envisions Online Banking for Corporations As It Moves to Bank of the Future Today (2004)
* Wells Fargo Leads Customer Service as First To Market, Offering Real-Time Web Collaboration To Online Commercial Customers (2002)
New Homepage: 50% increase in online application
This is one of the most recent initiatives from Wells Fargo. And it will surely be one of the most successful.
WF recently launched a new homepage designed to better meet the expectations from both visitors and customers.
Video sharing and social networking sites (like YouTube, MySpace, Facebook or Linkedin) became extremely popular and Web 2.0 is all about giving the power to people: nowadays, you can easily generate your own content (articles, audio, video), share your ideas, publish your comments... Your expectations have changed too: you expect companies to listen to you; you want your bank to act as a trusted financial partner.
With this re-design, WF has dramatically improved its customer experience, which will surely translate in better customer acquisition, better customer retention, and more online sales. Well done!
From Paul Penrose, finextra: methodology and early results
The updated Wells Fargo website takes a highly customer focused approach to ease access to most wanted features. The results have been spectacular with a 50% increase in online applications.
(...)
The bank’s Internet Services Group used site stats, survey data and internal search information to pick up on customer requirements and shortcomings in navigation and fed this back into the re-development.
The key features and tools available on the homepage are:
* Direct access to all the key features of Internet Banking,
* ATMs & Stores locator,
* Rich text content (video),
* Open an Account for the key products (you land on the first page of the application process)
* Check today's rates.
WF listened to their clients and online visitors, and they showed they were listening: this is exactly what customers were looking for.
If you want to know more about this re-design, I invite you to check the excellent case study from Forrester Research, published on 23rd May 2007.
In addition to this case study, I found some useful insight in a couple of blogs: finextra, the EDM blog and the Bankwatch.
Wells Fargo 2.0
WF use an impressively long list of available web 2.0 features such as blogging, social networking (presence on MySpace and Second Life), Podcasts, RSS Feeds, Tagging and Video sharing.
I invite you to check out the excellent Wells Fargo posts on the brilliant NetBanker blog.
Please find below some stats on Wells Fargo:
* First U.S. bank with a blog (though Verity Credit Union beat them to it by more than a year)
* First bank with a student loan blog
* First bank with a business banking blog
* First bank in the world with a Second Life presence
* First bank on MySpace at <www.myspace.com/stagecoachisland>
* First bank with 2, 3, and 4 blogs
* First bank with an avatar persona on MySpace
* First bank with a VP Social Media
It is impressive. Indeed, even though research companies such as Gartner in August 2006 advised banks to use web 2.0 features to target the youth market or increase customer retention, most banks are still cautious and are not using web 2.0 technologies.
Blogging
Most banks still refrain from launching a blog for instance. They are concerned with the potential brand damage.
Wells Fargo is extremely involved in blogging with 4 blogs.
"The Student LoanDown" blog is extremely popular among students. They have just celebrated the first anniversary of their first blog, "Guided by history".
Personal Finance
In a previous post, I talked about the increasing importance of providing good Personal Finance tools.
Wesabe is one of the most famous communities built around Personal Finance.
WF provide a comprehensive service to help manage your finance: the My Spending Report service.
With this service, based on tagging, WF customers can:
* Automatically tracks their accounts in one place
* Sorts card and Bill Pay purchases into familiar categories
* Updates information automatically, every business day
* Organizes spending view by month, up to three months
* Download a year or more of your spending history
Podcasts
Event though their offer is not as rich and comprehensive as a first direct and its first direct interactive service, WF provide podcasts. It is another web 2.0 box you can tick.
Social networking
Banks have four options with social networking: they can
* launch a new social network from scratch with a brand new platform
* launch a new social network using one of the leading platforms such as Xing
* develop their presence on the most popular social networks such as Facebook or MySpace
* develop their presence in virtual worlds such as Second Life
Wells Fargo has a presence on MySpace (an avatar and a page) and in Second Life.
Mobile Banking
Wells Fargo is also active in Mobile Banking. They recently launched a CEO Mobile Banking service for their business banking customers.
* Wells Fargo Launches CEO Mobile Banking Service - 18 May 2007
* Wells Fargo introduces mobile banking for business customers - 18 May 2007
Site Search
Providing a search feature (or not) is a commonly debated topic in the banking industry. Indeed, it is quite challenging: ideally, you would like to access the info after one of two clicks maximum. Providing a search engine is easy. Providing useful, optimized, results is extremely challenging.
Banks have two key goals: provide the best user experience and sell more online.
The key problem is the lack of patience from the visitors: the more clicks, the bigger the drop off rates... It is a major problem which has a significant impact on the top of the sales funnel.
Usually, media agencies advise banks to encourage their users to browse their website using the navigation bars. 
WF provide an elaborated Search feature: you can enter a specific question or a phrase, and the results are categorized in 4 sections: Individuals, Small business, Commercial and about Wells Fargo.
Wells Fargo Online Tour
Wells Fargo offer a good interactive presentation (in flash) to introduce its comprehensive internet banking service.
Hands on banking
This training and resource center is available at handsonbanking.org.
Wells Fargo developed this entertaining and educational program for kids, teens and adults as a commercial-free public service. It can help you improve your knowledge of:
* Budgeting
* The importance of saving
* Bank accounts and services
* Borrowing money and maintaining good credit
* Buying a home
* Investing
* Starting and managing a small business
In the library, you will find some tips categorized by topic and available in pdf format. For instance, I invite you to check WF's high level shopping and spending tips.
My Savings Plans
WF provide another interesting tool to its internet banking users: My Savings Plan. It is a clever way to:
* increase customer satisfaction improving customer experience and customer support,
* urge your clients to register to Internet Banking, save money and apply for WF saving products online.
Resources: Wells Fargo and Web 2.0
Please find below some articles on WF approach to Web 2.0.
* Wells Fargo Taps Web 2.0
* Wells Fargo Experimenting with Web 2.0
* Why Wells Fargo bank is different
* Most Business Tech Pros Wary About Web 2.0 Tools In Business
* Adoption of Web 2.0 Is Taking Off, But Some Firms Are Still Reluctant
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Visible Banking News #7
On regular basis (ideally weekly), I will post a list of key news on web 2.0 & Banking.
As usual, please do not hesitate to get back to me with you remarks, or with any article I missed!
NEWS - 21 May 2007 to 27 May 2007
BLOGGING
* Wordpress grows beyond 1 million blogs - 24 May 2007
* New CU Blogs: Midwest Financial, Old Hickory, and Secure One Credit Unions - 21 May 2007
CUSTOMER COMMENTS
* Online banks hardly stuff of sword-and-sandals epic - 24 May 2007
* Making the Switch to Unadulterated Online Banking - 24 May 2007
CUSTOMER EXPERIENCE
* Wells' Web makeover woos punters and analysts - 25 May 2007
* Abbey in bank holiday meltdown - 25 May 2007
EVENTS
* Next MobileMonday Austin event: Mobile Banking and Payments, June 11 '07 - 26 May 2007
FRAUD
* A decade of online banking - and online fraud - 25 May 2007
* Anti-phishing filters bypassed in IE7? - 25 May 2007
* A first in Quebec's banking industry - Laurentian Bank innovates: 2 additional security barriers for online transactions - 24 May 2007
* Credit cards are still very vulnerable online - 24 May 2007
* Transaction hijacking - cheaper alternatives, at point of purchase - 24 May 2007
* Target 5 Warns Of 'Online Insecurity' - 24 May 2007
* House Passes Anti-Spyware Legislation - 23 May 2007
* Cyber fraudsters target accounts with 'one cent deposit' scam - 21 May 2007
INTERVIEWS
* Wells Fargo & Company at Lehman Brothers 10th Annual Financial Services Conference - Final - 23 May 2007
LAUNCHES
* Singapore's DBS Bank unveils plans for expansion in China - 25 May 2007
* ANZ and ING introduce direct access banking for pension funds - 25 May 2007
* Who launched the UK's first Internet bank? - 23 May 2007
* First National Bank of Omaha Launches Internet Bank - 22 May 2007
* Alliance & Leicester Commercial Bank extends bill payments network - 22 May 2007
MARKETING
* Tenth anniversary of online banking - 27 May 2007
* Apacs marks 10 years of Web banking - 22 May 2007
* One-quarter of 50 Largest Online Advertisers are From Financial Services - 21 May 2007
MOBILE BANKING
* Mobile Phones Revolutionize African Banking - 24 May 2007
* ING Direct Adds Mobile Banking - 24 May 2007
* NY Times Reviews Citi Mobile - 24 May 2007
* Barclays introduces mobile banking services - 23 May 2007
* Bank of America completes m-banking roll out - 22 May 2007
PERSONAL FINANCE
* Mint.com Set to Freshen the Personal Finance Space* - 23 May 2007
REPORTS
* Traditional vs. online banking: Which one is for you? - 27 May 2007
* Case Study: Metrics Drive Wells Fargo's Home Page - 23 May 2007
* Online banking boosts direct debits - 23 May 2007
SOCIAL LENDING
* New Person-to-Person Lender, Lending Club, Hopes Facebook Linkage Allows it to Prosper - 25 May 2007
* Social lending goes red hot, as FaceBook enters the space with “LendingClub” - 25 May 2007
* Now there's big money in P2P - 22 May 2007
* Virgin enters the P2P loan market - 20 May 2007
SOCIAL NETWORKING
* Facebook | will people share their pictures, thoughts and information with commercial interests? - 26 May 2007
* Prosper and Forbes tap Facebook; Co-op Bank joins MySpace - 25 May 2007
* Social Networking to infinity and beyond - 25 May 2007
* Could FaceBook risk becoming another AOL? - 25 May 2007
* Social Network ad spending predicted to grow (eMarketer) - 24 May 2007
* Community ROI - a sensible view - 24 May 2007
* A sense of community - 23 May 2007
VENDORS
* Origo to develop XML standards for full mortgage applications - 24 May 2007
* Financial Objects ships mortgage module - 23 May 2007
Posted by Christophe on May 27, 2007 in Blogging, Customer comments, Customer experience, Events, Fraud, International, Interviews, Launches, Marketing, Mobile banking, News, Personal finance, Phishing, Reports, Social lending, Social networking, Vendors | Permalink | Comments (0) | TrackBack (0)