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Your source for the latest technology information of interest to credit unions across America.

Subscribe to our weekly e-mail newsletter and/or our monthly newsletter and stay on top of the latest technology trends in Hardware, Software, ATMs, Biometrics, Wireless, Online Banking, Marketing, Security, Internet Access and Call Centers.

January 13, 2020


Hardware News

 

Passive Optical LAN: Its Day Is Dawning

The primary driver of change from copper to optical is that the demands on the network have evolved. Optical cable has no distance limitations because POL (passive optical LAN) is completely passive and requires no electronics to boost the signal. Optical cabling can carry petabytes of bandwidth over long distances. Also, with optical, there’s no concern over what type of cable is being used and having the quality degrade over time.

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11 Laptops You Don't Want to Miss from CES 2020

Companies like HP, Samsung, Lenovo, Acer, and Dell showcased their latest laptop options at the recent CES in Las Vegas. This article covers 11 of the laptop highlights from CES 2020.

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Software Updates

 

System Center Isn't Going Away, but Microsoft Endpoint Manager Will Make Office PCs Faster

Renaming their shared platform Microsoft Endpoint Manager (MEM) is part of clearing up confusion and reassuring customers that when Intune gets a new feature, that's not a step closer to killing off Config Manager and pushing everyone to the cloud. Also coming early in 2020 is the Microsoft Endpoint Manager Admin Center, a new web console for managing all your devices.

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ATMs/Kiosks

 

Consumers Make More On-Us ATM Cash Withdrawals, Fed Data Show

Despite the decades-old rise of electronic payments at the expense of cash, the rate of decrease in ATM cash withdrawals has slowed down, and more consumers are avoiding fees by using their own financial institution’s ATMs, according to the Federal Reserve. The total number of ATM cash withdrawals was 5.1 billion in 2018, a slight decline of 100 million from 2015. Cash withdrawals had remained steady at just below 6 billion annually from 2003 to 2012. On-us cash withdrawals totaled 3.4 billion in 2018, relatively stable with 2015, but foreign transactions fell to 1.7 billion in 2018 and posted a compounded annualized decline of 3.7% in the 2015-18 period. Those trends pushed the share of on-us cash withdrawals to 67% from 64% three years earlier.

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Cardless ATMs Expand Despite Security Risks

Cardless ATMs are on the rise, driven partially by the perception that they are safer to use than physical debit cards for withdrawing cash. Cardless ATMs remove the risk of card skimming, the biggest type of fraud afflicting ATMs, but they are not immune to theft. For example, fraudsters have successfully sent a text message to cardholders and tricked them into visiting a fake website where they provided personal information, which allowed them to initiate cardless ATM transactions.

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Wireless World

 

Mastercard Launches Augmented Reality Experience to Bring Card Benefits to Life

Mastercard today unveiled a new augmented reality (AR) app that lets cardholders see, explore and access the benefits of their Mastercard. Upon launching the app, cardholders will be prompted to scan their Mastercard to start the session. Using their phone to scan the area around them, cardholders will see three portals, each one representing one of the three categories that Mastercard benefits fall into: Experiences, Everyday Value and Peace of Mind.

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Fingerprint ID Dominates Authentication, but Facial Recognition Is Growing Fast

Fingerprint readers will be installed in 4.6 billion smart phones worldwide by 2024, according to Juniper Research. But facial recognition hardware, such as Apple Inc.’s FaceID, is growing fast and will be installed in 800,000 devices by 2024, up from an estimated 96 million now. Fueled by advances in artificial intelligence, software-based facial-recognition will represent an even bigger market, accounting for 1.3 billion devices within five years, according to a Juniper report.

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Security Section

 

Protocol Analyzers: Who Needs Them, and How to Choose One

Protocol analyzers are tools that allow IT administrators and security teams to capture network traffic and perform analysis of the captured data to identify problems with network traffic or potential malicious activity. This traffic data can be observed in real time by a technician for troubleshooting purposes, monitored by an alerting tool to identify active network threats, or retained to perform forensic analysis in the case a network breach is discovered. This article takes a dive into protocol analyzers.

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Technology and Marketing

 

15 Non-Negotiable Email Marketing Best Practices

Email marketing continues to be a low-cost method to drive engagement and conversions. In fact, it is almost always the marketing channel with the lowest cost per conversion since it sits at the bottom of the funnel. TYhis article explores 15 email marketing best practices that you can follow to kick off your campaigns this year.

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Online Banking/E-Commerce/Website Design

 

Open Banking Is Asking Consumers: Who Owns Your Banking Data?

The open banking movement fights for consumers to own their financial data. Start-ups like Plaid are leading the charge in the U.S. The San Francisco-based start-up, which connects FI accounts to thousands of apps and helps consumers develop a complete picture of their financial data, now claims to integrate with roughly a quarter of AMerican FI accounts.

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New Fed Data Underscores How Far Electronic Payments Have Eaten into Checks

A total of 16 billion checks were written in 2018 for a total value of $26.2 trillion, according to the Fed’s latest Payments Study. That’s down from 20.2 billion and $29.68 trillion in 2015, the last year of the Fed’s previous triennial study. The Fed defines core non-cash payments as the total of credit and debit card, automated clearing house, and check transactions.

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Internet Access

 

Sprint Upgrades Business Wireline Offering

Sprint unveiled a new network design model meant to unite its entire business solution portfolio. Dubbed Certainty, the new network design claims to prioritize reliability, promising "service level agreements that no other provider can beat," simplified management of wide area networks, and the ability to combine wireline, wireless, broadband, microwave and satellite as a single-sourced, turnkey solution.

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CenturyLink Rings up Cloud-Based Voice Service for Mid-Sized Organizations

CenturyLink is now offering medium-sized organizations cloud-based voice and communications services through its new Engage portfolio. With Engage, CenturyLink is enabling businesses to tap into the benefits of cloud-based communications services by using either their own connectivity, CenturyLink's or both. The service is currently available to business customers in all 50 states.

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Call Centers

 

Coming Soon in the 2020s: Increased Workplace Flexibility

At all levels of a contact center, from agents up to leadership, many are wanting increased workplace flexibility, which includes not just remote work, but flexible schedules, reduced hours, and unlimited vacation policies. While these might seem like a workforce management planner’s worst nightmare, the author believes they will begin to become more common in the 2020s for contact centers and other organizations.

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