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	<title>Disruptivebanking &#187; Crisis</title>
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	<link>http://www.disruptivebanking.com</link>
	<description>The world of banking scrutinized</description>
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		<title>Staying small and spirited</title>
		<link>http://www.disruptivebanking.com/2009/12/24/staying-small-and-spirited/</link>
		<comments>http://www.disruptivebanking.com/2009/12/24/staying-small-and-spirited/#comments</comments>
		<pubDate>Thu, 24 Dec 2009 14:38:29 +0000</pubDate>
		<dc:creator>Evert</dc:creator>
				<category><![CDATA[Crisis]]></category>
		<category><![CDATA[Disruptive]]></category>

		<guid isPermaLink="false">http://www.disruptivebanking.com/?p=1963</guid>
		<description><![CDATA[
Large banks dug their own graves with mergers and takeovers, Dutch professor business-spirituality and jesuit Paul de Blot said today in Dutch newspaper het Financieele Dagblad.
During mergers and takeovers vital business components are often sacrificed, causing the enterprise to lose part of its soul, the professor claims. Executives should realize that the true capital of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Angry customers take down bank</title>
		<link>http://www.disruptivebanking.com/2009/10/13/angry-customers-take-down-bank/</link>
		<comments>http://www.disruptivebanking.com/2009/10/13/angry-customers-take-down-bank/#comments</comments>
		<pubDate>Tue, 13 Oct 2009 10:24:59 +0000</pubDate>
		<dc:creator>Evert</dc:creator>
				<category><![CDATA[Crisis]]></category>

		<guid isPermaLink="false">http://www.disruptivebanking.com/?p=1905</guid>
		<description><![CDATA[Banks can use the media to create a positive image of themselves. On the other hand, bad publicity can bring a bank to its knees. 
The Dutch DSB bank is a recent example of dissatisfied customers and bad publicity threatening the survival of a bank. Yesterday, the DSB bank was put under the control of [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>keep an eye on liquidity</title>
		<link>http://www.disruptivebanking.com/2009/10/07/keep-an-eye-on-liquidity/</link>
		<comments>http://www.disruptivebanking.com/2009/10/07/keep-an-eye-on-liquidity/#comments</comments>
		<pubDate>Wed, 07 Oct 2009 15:08:36 +0000</pubDate>
		<dc:creator>Evert</dc:creator>
				<category><![CDATA[Crisis]]></category>

		<guid isPermaLink="false">http://www.disruptivebanking.com/?p=1855</guid>
		<description><![CDATA[Could you substantially reduce the vulnerability of banks by tightening liquidity requirements? Would this minimize the risk of a new financial crisis? 
The reason we ask is the recent announcement of the new liquidity requirements by the British Financial Services Authority. 

General policy
The FSA wants banks to have an increased portion of their total assets [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Bringing failing bankers to court</title>
		<link>http://www.disruptivebanking.com/2009/09/29/bringing-failing-bankers-to-court/</link>
		<comments>http://www.disruptivebanking.com/2009/09/29/bringing-failing-bankers-to-court/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 13:08:26 +0000</pubDate>
		<dc:creator>Evert</dc:creator>
				<category><![CDATA[Crisis]]></category>

		<guid isPermaLink="false">http://www.disruptivebanking.com/?p=1801</guid>
		<description><![CDATA[What to do with top bankers that are responsible for financial mismanagement? Make them punishable by law, with a maximum of six years in prison. Or make top executives personally responsible and force them to surrender their bonuses. Doing this would need a change of law.

This is the wish of Dutch left wing politician Ewout [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<item>
		<title>Kudos as currency</title>
		<link>http://www.disruptivebanking.com/2009/09/17/kudos-as-currency/</link>
		<comments>http://www.disruptivebanking.com/2009/09/17/kudos-as-currency/#comments</comments>
		<pubDate>Thu, 17 Sep 2009 15:03:26 +0000</pubDate>
		<dc:creator>Evert</dc:creator>
				<category><![CDATA[Crisis]]></category>
		<category><![CDATA[Disruptive]]></category>

		<guid isPermaLink="false">http://www.disruptivebanking.com/?p=1757</guid>
		<description><![CDATA[The Whuffie Bank is launching the Whuffie, a new currency that rewards people for their positive contributions on the internet. Consider it an alternative currency, like the ones we discussed in our previous article.
Your Whuffie balance is calculated by tracking your online activity on websites like Twitter and Facebook and analyzing your contacts and feedback. [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>&#8216;National Investment Bank rescues SMEs&#8217;</title>
		<link>http://www.disruptivebanking.com/2009/09/09/national-investment-bank-rescues-smes/</link>
		<comments>http://www.disruptivebanking.com/2009/09/09/national-investment-bank-rescues-smes/#comments</comments>
		<pubDate>Wed, 09 Sep 2009 09:52:38 +0000</pubDate>
		<dc:creator>Evert</dc:creator>
				<category><![CDATA[Crisis]]></category>
		<category><![CDATA[Disruptive]]></category>

		<guid isPermaLink="false">http://www.disruptivebanking.com/?p=1675</guid>
		<description><![CDATA[In these days of economic turmoil, banks are hesitant to offer credit to small and medium enterprises (SMEs) &#8211; even healthy businesses are denied. This is a problem and is hurting the economy, says the Dutch socialist party the SP. 
What to do? Establish a National Investment Bank (NIB) that offers enterprises credit which is [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Rewarding existing customers</title>
		<link>http://www.disruptivebanking.com/2009/09/04/rewarding-existing-customers/</link>
		<comments>http://www.disruptivebanking.com/2009/09/04/rewarding-existing-customers/#comments</comments>
		<pubDate>Fri, 04 Sep 2009 13:24:50 +0000</pubDate>
		<dc:creator>Evert</dc:creator>
				<category><![CDATA[Crisis]]></category>
		<category><![CDATA[Disruptive]]></category>

		<guid isPermaLink="false">http://www.disruptivebanking.com/?p=1649</guid>
		<description><![CDATA[Luring in new customers with high interest rates on savings accounts or by offering freebies is a well known and often used strategy for banks. It seems to make sense, but does it really? Perhaps banks would be better off rewarding their existing customers for staying loyal in these difficult times.
Take for instance the special [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Personal contact improves trust</title>
		<link>http://www.disruptivebanking.com/2009/08/25/personal-contact-improves-trust/</link>
		<comments>http://www.disruptivebanking.com/2009/08/25/personal-contact-improves-trust/#comments</comments>
		<pubDate>Tue, 25 Aug 2009 15:00:28 +0000</pubDate>
		<dc:creator>Evert</dc:creator>
				<category><![CDATA[Crisis]]></category>
		<category><![CDATA[Disruptive]]></category>

		<guid isPermaLink="false">http://www.disruptivebanking.com/?p=1606</guid>
		<description><![CDATA[People&#8217;s desire for personal interaction with a bank clerk still proves to be strong. Financial advisors offering advice that is specific to the customer&#8217;s situation will help re-establish the faith people have in banks.
These are the conclusions of a survey performed by Deloitte, the globally operating service provider for accountants, tax advisors, consultants and financial [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Deposit checks in a snap</title>
		<link>http://www.disruptivebanking.com/2009/08/11/deposit-checks-in-a-snap/</link>
		<comments>http://www.disruptivebanking.com/2009/08/11/deposit-checks-in-a-snap/#comments</comments>
		<pubDate>Tue, 11 Aug 2009 15:08:53 +0000</pubDate>
		<dc:creator>Evert</dc:creator>
				<category><![CDATA[Crisis]]></category>
		<category><![CDATA[Disruptive]]></category>

		<guid isPermaLink="false">http://www.disruptivebanking.com/?p=1556</guid>
		<description><![CDATA[A new service makes it possible for bank customers to deposit checks immediately through their mobile phones. How it works? Simple. Using a special application they can take a picture of both sides of the check with the phone’s camera and electronically deposit it to their account.
USSA &#8211; an American privately held bank and insurance [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Compulsory state administration</title>
		<link>http://www.disruptivebanking.com/2009/08/07/compulsory-state-administration/</link>
		<comments>http://www.disruptivebanking.com/2009/08/07/compulsory-state-administration/#comments</comments>
		<pubDate>Fri, 07 Aug 2009 12:44:39 +0000</pubDate>
		<dc:creator>Evert</dc:creator>
				<category><![CDATA[Crisis]]></category>
		<category><![CDATA[Disruptive]]></category>

		<guid isPermaLink="false">http://www.disruptivebanking.com/?p=1546</guid>
		<description><![CDATA[How can governments avoid the forced nationalization of suffering banks and, more importantly, the hefty claims made by investors that come with them? 
One option is to put the banks under compulsory state administration instead. This way, no structural changes are made in the bank&#8217;s ownership and the government has less trouble pulling out when [...]]]></description>
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		<slash:comments>0</slash:comments>
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