William Friend

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  • Interactive Story of the ATM

    Interactive Story of the ATM

    The Story of the ATM: 50 Years of Financial Transformation The ATM Story The Rise The Turning Point The U.S. Paradox The Future From Mechanical Marvel to Financial…

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    William Friend

    June 23, 2025

    4 min read

  • FFIEC Reports: A Look at Call Reports and UBPRs

    FFIEC Reports: A Look at Call Reports and UBPRs

    Financial institutions in the United States are subject to rigorous oversight, a key component of which is regular reporting to the Federal Financial Institutions Examination Council (FFIEC). Two…

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    William Friend

    June 23, 2025

    4 min read

  • Are You Raging? You’re Not Alone: What the Customer Rage Study Means for You and Your Bank

    Are You Raging? You’re Not Alone: What the Customer Rage Study Means for You and Your Bank

    For banks looking to build loyalty and avoid the financial and reputational damage of customer rage, the path forward is clear. It requires a fundamental shift from viewing…

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    William Friend

    June 21, 2025

    4 min read

  • The Human Touch in a Digital Age: Why Banks Are Reinvesting in Physical Branches

    The Human Touch in a Digital Age: Why Banks Are Reinvesting in Physical Branches

    Five to ten years ago, the prevailing wisdom was that the future of banking was purely digital. The focus was on migrating customers to online and mobile platforms,…

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    William Friend

    June 20, 2025

    4 min read

  • Microsoft’s Blueprint for Human-Centered AI: Key Lessons for Banks

    Microsoft’s Blueprint for Human-Centered AI: Key Lessons for Banks

    Westerville, OH – As financial institutions increasingly turn to artificial intelligence to innovate and streamline services, Microsoft’s Human-AI eXperience (HAX) Toolkit offers a critical framework for ensuring these…

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    William Friend

    June 20, 2025

    4 min read

  • The Symbiotic Power of Strategic Foresight and Design Thinking for De-Risking Innovation

    The Symbiotic Power of Strategic Foresight and Design Thinking for De-Risking Innovation

    Strategic foresight is the systematic discipline of exploring, anticipating, and shaping the future. It moves beyond simple prediction to consider a multitude of plausible futures through methods like…

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    William Friend

    June 20, 2025

    4 min read

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