July 2013 | ababj.com
INFORMING BANKERS FOR MORE THAN 100 YEARS
“If prepaid takes off as an alternative
to checking accounts, that’s a
game changer for banks”
—Ginger Schmeltzer, Fiserv
24 | COVER STORY: PAY CHOICES
“Still Crazy After All These Years”
You heard all the hype when each “revolution” debuted. But there’s a
big “rest of the story.” None of the touted innovations—NFC, digital
wallets, P2P—have the race sewn up. In fact, only one in four online
banking customers even use online bill payment.
30 | STATE ASSOCIATION ROUNDTABLE
“Guarding of the change”
State bankers associations’ Job 1 is still advocacy. But what “advocacy”
means has evolved past lobbying the statehouse. More federal involvement,
and help with regs and tech are among the changing roles.
14 | COMMUNITY BANKING
“Feed Me!” Will U.S. starve its piggybanks?
Too many Americans aren’t saving, or can’t live off what they did save.
Bankers wonder if today’s deposit glut will soon be a memory.
COVER PHOTO BY ELIA SEBA
JULY 2013 | ABA BANKING JOURNAL | 1
Table of Contents for the Digital Edition of ABA Banking Journal - July 2013