The pace of mobile technolo�y is creating new time-to-market chal-
lenges for mobile app developers and product managers. Once a large
bank shows off a new mobile banking product, others are expected to
follow suit. How to manage such short cycles? page 7
Fast Enough For You?
Social Media Minus the PR
page 14
While many banks still view social media sites as a marketing channel,
the one thing 1st Mariner’s Kevin Lynch doesn’t do with social media is
post marketing messages. He also disputes the notion that banks must
be in every channel.
IT Budgets in Distress
page 31
The average bank spends less than one percent of net revenue on
technolo�y innovation. Economist Howard Rubin argues that this is
not nearly enough, and that innovation funding should be protected,
even when times are tough.
CASE STUDY
When TopLine’s Backup
Bandwidth Topped Out
The Minnesota credit union’s virtualization and data replication
project caused an unforeseen network bottleneck that put its
disaster-recovery operation in jeopardy. A wide area network opti-
mization controller
that prioritizes
network traffic
turned out to be the
right fix and greatly
decreased backup
time.
Branch Innovation
In Focus
Umpqua, Huntington and Citi keep the ideas
coming and the tech investment high page 18
