Bob Meara

Atlanta

Senior Banking Analyst at Celent

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Articles

Decoding Retail Digital Banking Platforms

1 month ago | celent.com | Michael Bernard |Alenka Grealish |Bob Meara

6 March 2025Spotlighting Functionality and Technology Innovation This is the preamble report to our series, Retail Digital Banking Platforms: 2025 XCelent Awards, Powered by VendorMatch. Powerful market and technology forces are converging to influence the digital channel strategies of financial institutions. Digital banking platform (DBP) vendors are responding with innovative new offerings to meet these needs.
Decoding Small Business Digital Banking Platforms

1 month ago | celent.com | Michael Bernard |Alenka Grealish |Bob Meara

5 March 2025Spotlighting Functionality and Technology Innovation As we undertake extensive research on digital banking platforms, we have compiled this preamble report to our series, Small Business Digital Banking Platforms: 2025 XCelent Awards, Powered by VendorMatch. Forces similar to those impacting retail digital banking are converging to set a new bar in small business digital banking. Digital banking platform (DBP) vendors are responding with innovative new offerings to meet these needs.
Retail Banking Intelligent Virtual Assistant Platforms

Sep 27, 2024 | celent.com | Bob Meara

27 September 20242024 XCelent Awards, powered by VendorMatch Once the exclusive domain of large enterprises, intelligent virtual assistants (IVAs) based on conversational artificial intelligence (CAI) are quickly moving down market. In retail banking, they are doing so largely through CAI specialist firms with prebuilt and tuned natural language understanding (NLU) models and intent libraries designed for quick time to value.
Family Banking Comes of Age

Aug 27, 2024 | celent.com | Bob Meara

27 August 2024The Next Evolution of Digital Banking Will Be Shared Family banking delivers win-win value to families and their financial institution primarily through ongoing digital customer engagement. It is an example of engagement banking. Much more than a financial services product, family banking centers the customer experience around family rather than each individual.
Intelligent Virtual Assistants Waving to the Future: Small Business Banking Edition | Celent

Aug 8, 2024 | celent.com | Alenka Grealish |Bob Meara

8 August 2024The Implications of GenAI Generative AI (GenAI) will drive step change in small business customer service and engagement. While the vast majority of functionality that small businesses require overlaps with what consumers need, there are several key capabilities that are unique to small businesses. These capabilities (Figure 1) have been challenging to deliver with traditional IVA systems.
Intelligent Virtual Assistants Waving to the Future: Retail Banking Edition | Celent

Aug 7, 2024 | celent.com | Alenka Grealish |Bob Meara

7 August 2024The Implications of GenAI Generative AI (GenAI) will transform how financial institutions (FIs) interact with their customers and how their front-office employees engage with them. With the unleashing of GenAI, the “I” in intelligent virtual assistant (IVA) is taking on a whole new meaning. GenAI is a force multiplier because it is making IVAs more conversational, contextual, and value-adding. And it is happening fast.
Personal Financial Engagement Solutions for Retail Banking

May 9, 2024 | celent.com | Michael Bernard |Bob Meara

9 May 2024A Profile of Solutions to Move Beyond PFM Retail financial institutions are quickly realizing that customer engagement isn't just good business, it's increasingly how banks are delivering value to their customers. Done well, each customer interaction cements the value of the customer’s bank relationship in their minds.
RBC Royal Bank: Client Acquisition Ecosystem

Mar 20, 2024 | celent.com | Bob Meara

21 March 2024Winner of the 2024 Celent Model Bank Award for Digital Customer Onboarding Everyone knows the importance of making a good first impression. Doing so at scale through digital-first customer engagement is today's clarion call for retail financial institutions - particularly for new-to-bank customer acquisition.
Pacesetters in Retail Banking Customer Engagement

Feb 27, 2024 | celent.com | Bob Meara

27 February 2024How Leading Banks Are Raising the Bar To help financial institutions put the insights conveyed in our previous report into action, we profile six engagement banking initiatives among four pacesetter banks through the lens of Celent’s nine hallmarks of engagement banking.
Clip Money | Celent

Feb 16, 2024 | celent.com | Bob Meara

16 February 2024A Win-Win Cash Deposit Option for Banks and Their Retail Merchant Clients Retail merchants still accept cash payments and need convenient options to deposit currency and centralize those funds. Banks are hungry for those deposits, but wish they didn't need to service them in the branch network. Historically, banks have had but a single option, remote cash capture (RCC). But, RCC isn't for every bank. Now there is another option in Clip Money. Clip Money, Inc.