Article Banner
Synopsis: The Article Banner component is a component that allows authors to create anchor links that take the user to pre-defined areas in an article. This component works in combination with anchor tags within the article, of which the author must also configure.
Usage: Article page.
Requirement: https://fiserv-com.atlassian.net/browse/FC-698
Note: This should be used as an example only. There will be additional requirements related to each individual component usage and page design, such as font treatments, padding and margin requirements, ADA compliance etc, so please use the below examples for reference only to demonstrate core function.
Scenario 1
Ingredients: 1 Container, 1 Article Banner.
This use case involves an outside container set to full width. The article banner is of light theme (white text).
The links here can be configured to go to specified area of the article in the same page using anchor tag or open a new link in another page.
Scenario 2
Ingredients: 1 Container, 1 Article Banner.
This use case involves an outside container set to full width. The article banner is of dark theme (black text)
The links here can be configured to go to specified area of the article in the same page using anchor tag or open a new link in another page.
New research shows older consumers are open to new ways of managing money
For years, my octogenarian mother-in-law told me she would never use mobile banking. Despite my encouragement, she didn't want anything to do with it. But a year into the pandemic, she uses it nearly every day to check her balance and connect to her finances. It gives her comfort knowing her money is still there.
SIDEBAR
Best practices for real-time disbursements
1. Offer customers a card option. Card-based solutions can help companies to create seamless payment experiences for customer disbursements. Platforms like Visa Direct bring scale and reliability to e-commerce experiences, risk management and payment processing. With Visa Direct, the traditional card payment flow is reversed, transitioning from a pull to a push.
2. Understand the use case you are solving for and then develop a minimum viable product (MVP) to quickly get to market.
3. Provide sellers in the gig economy, marketplaces and small businesses with the ability to integrate APIs into your online or mobile experience to collect card data in-flow.
4. Develop simple payment experiences for check replacement use cases, such as insurance, healthcare, expense reimbursements. For example, provide customer notifications that link to a company branded portal to capture digital disbursement preferences.
5. Be thoughtful in your infrastructure investments, and leverage partnerships to stay lean and agile. For example, digital disbursement solutions from Fiserv are already connected to the Visa Direct platform and other card networks, providing simplicity, speed, security, scale and faster market implementation.
And like most people who get used to the convenience of mobile banking, she'll never give it up.
During COVID-19, many of her generation jumped on digital channels as a survival mechanism. They quickly learned new technologies and new tools, from in-app grocery ordering to online vaccine registration. And they increased their use of mobile and online banking tools. In 2020, 46 percent of seniors (age 75 and older) used eBills in the prior 30 days, compared to 40 percent in 2019, according to Expectations & Experiences, a consumer trends survey conducted by The Harris Poll on behalf of Fiserv. Seniors' use of automatic recurring payments increased, too, from 65 percent to 79 percent. And while their use of digital wallets remains low (7 percent), it more than tripled since 2019.
Many in the banking industry underestimated seniors' ability and adaptability to adopt digital channels, assuming a push for mobile and online banking tools would find a receptive audience only in younger generations. But the pandemic taught us that seniors deserve more credit for quickly learning new technologies. It has been the perfect storm for the digital adoption we're seeing in the senior market.
Erica Coe, Tom Latkovic, and Martin Dewhurst
Not that long ago, older people taught younger ones about banking and finances. But when it comes to digital banking, younger people are showing older generations how to consume financial services differently, reverse mentoring them into new ways to manage and move money. It's not unusual for teenagers to teach grandparents how to send money or deposit a check with a smartphone, for example.
Banks and credit unions are also showing seniors the way. As the pandemic began, many community financial institutions called customers and members to hear their concerns and provide personalized coaching.
Larger financial institutions relied more on contact centers and chat for outreach and, like their smaller counterparts, have done a tremendous job moving people to digital channels.
No matter how it happens, it's important seniors know the benefits of online and mobile banking tools and how to access them. When financial institutions are enthusiastic about what technology means for their customers and members, it's contagious across generations.