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Your source for the latest technology information of interest to community banks across America. Subscribe to our weekly e-mail newsletter and stay on top of the latest technology trends in Hardware, Software, ATMs, Wireless, Online Banking, Marketing, Security, Internet Access and Call Centers.

October 15, 2018

Hardware News


Is There a White-Box Server in Your Future?

Off-brand server competitors to Dell and HPE have gained traction with Amazon and Google, but enterprise data centers are reluctant to follow, largely because of a lack of enterprise-grade service and maintenance options. But the economics are compelling. Proponents are quick to point out that the memory, CPUs, and hard drives are the same name brands the big server vendors use.



Hardware Section Sponsored by
Millennial Vision, Inc. (MVi)

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Software Updates


Windows 10 and 7 Support Changes: How They Affect You

Microsoft is changing how it supports Windows 7 and Windows 10. The shake-up will allow organizations to run a stable and secure version of Windows 10 for longer without the hassle of migrating PCs to a newer release. Future feature updates for Windows 10 that roll out in the Fall, such as the upcoming Windows 10 October 2018 Update, will be supported for 30 months from release. Future feature updates for Windows 10 that roll out in the Spring will be supported for 18 months from release.




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2018 ATM Fee Study

The average ATM surcharge hit a record high for the 14th year in a row, according to Bankrate’s 2018 checking account and ATM fee study. And while the average overdraft fee dipped slightly, it’s the second-highest that it’s ever been in history. The total cost of withdrawing cash from an out-of-network ATM is $4.68, on average. That’s 36 percent higher than it was in 2008.



TMD Intros ATM Security Controller 7000

TMD Security GMBH is showcasing its new ATM Security Controller 7000 which is a single modular solution architecture that controls a complete suite of defenses against card fraud, logical threats and physical attacks.



ATMs/Kiosks Sponsored by
Heritage Industries

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Wireless World


Mastercard Brings Real-Time Bill Payments to Mobile Banking Apps

Mastercard is working on a new technology platform to support bill payments via mobile banking apps, created to help FIs recover ground lost to multiple direct billing sites. The card scheme says the new real-time service, dubbed Bill Pay Exchange, will make it easier for consumers to view, manage and pay telecom, utility, rent, credit card, mortgage and other personal bills without having to set up accounts with different billers or remember multiple passwords and dates for payments each month.



Why 802.11ax Is the next Big Thing in Wi-Fi

802.11ax is the next standard for wireless LANs. Ax will be anywhere from 4x to 10x faster than existing Wi-Fi, but the wider and multiple channels greatly increase throughput.



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Security Section


Pointing the Finger at Biometric Card Misconceptions

Mastercard developed the biometric card, combining chip technology with fingerprints to conveniently and safely verify cardholder identity for in-store purchases. Introduced in 2017, the Mastercard biometric card has been piloted in Africa, Europe and the Middle East with additional countries being added this year. This article explains how it works and why it is secure from their point of view.



Why Cybersecurity Is the Fastest-Growing Insurance Market for SMBs

Some 90% of SMBs are purchasing cyber insurance with limits of $1-$5 million, according to data from CyberPolicy. Nearly half of all cyberattacks now target SMBs, so it makes sense that small business owners would be considering cyber insurance. Roughly 90% of SMBs are buying policies with coverage limits from $1-$5 million, the release said.



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Technology and Marketing


Three Things You Must Know Before Taking a Marketing Risk

The author contends that marketing risks, when executed well, can effectively differentiate your brand. Marketing risks take many forms, like using humor in a unique way, supporting a controversial cause or using sexual innuendo, among others.



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Online Banking/E-Commerce/Website Design


‘Computer, Make It So!’ Why Voice Is the User Interface of the Future for Retail Banking

Voice offers a new way to simplify complexity for consumers – a crucial benefit for a complex business like financial services. Fundamentally, voice UIs can remove the need for a user to navigate screens and a FI-defined information architecture to find the answers to their questions. Consumers will be able to ask questions with natural language and have answers spoken back to them. Not only is this easier to use, it also improves accessibility for the elderly or the visually impaired.



Visa Made a Signature Audio Chirp for Digital Payments

In a world increasingly without plastic, the credit card company spent months building a custom sound. Knowing it won’t be able to slap its logo on every new device, Visa spent months developing ways to make sound and touch a part of the brand. The result: a two-note chirp and a distinctive vibration, plus a screen animation—all of which may be triggered on various devices when a consumer pays.



A Real-Time Bill-Payment Service from Mastercard

Bill Pay Exchange embraces potentially 135,000 billers, but it’s not set to launch until the middle of next year, following product integration and testing. The platform relies on processing by New York City-based The Clearing House and technology from London-based Vocalink, which Mastercard acquired in 2016.



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Internet Access


WhiteHat Security Introduces New Feature for Dynamic Single-Page Application Scanning

WhiteHat Security’s new feature for dynamic single-page application scanning in the WhiteHat Sentinel Dynamic product is designed to automate the scanning for, discovery and updating of webpages, links and architecture. A single-page application (SPA) is a site that interacts with the user by dynamically rewriting the current page rather than loading entire new pages from a server. This approach avoids interruption between successive pages, making the application behave more like a desktop app than a traditional website.



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Call Centers


The One Thing Companies Must Do Right: Omnichannel or Die

What does it take to get omnichannel right? This article covers five steps.



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