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	<title>Disruptivebanking &#187; Disruptive</title>
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	<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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		<title>Banking and donuts</title>
		<link>http://www.disruptivebanking.com/2009/10/22/banking-and-donuts/</link>
		<comments>http://www.disruptivebanking.com/2009/10/22/banking-and-donuts/#comments</comments>
		<pubDate>Thu, 22 Oct 2009 15:27:03 +0000</pubDate>
		<dc:creator>Aran</dc:creator>
				<category><![CDATA[Disruptive]]></category>

		<guid isPermaLink="false">http://www.disruptivebanking.com/?p=1948</guid>
		<description><![CDATA[This month, US based Citizens bank has opened its first branch office in a donut shop. The full service branch office is marketed as a &#8220;one-stop destination for all of their banking, coffee, and bakery needs.&#8221;
The donut shop, part of the Dunkin&#8217; Donuts chain, is geared towards professionals grabbing a bite on the go. The [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Serious banking&#8230;?</title>
		<link>http://www.disruptivebanking.com/2009/10/02/serious-banking/</link>
		<comments>http://www.disruptivebanking.com/2009/10/02/serious-banking/#comments</comments>
		<pubDate>Fri, 02 Oct 2009 15:31:24 +0000</pubDate>
		<dc:creator>Evert</dc:creator>
				<category><![CDATA[Disruptive]]></category>

		<guid isPermaLink="false">http://www.disruptivebanking.com/?p=1834</guid>
		<description><![CDATA[Using humor in advertising is not an obvious thing to do for banks. Most banks prefer a serious approach, perhaps for fear of losing their image of credibility and reliability. 
We wonder whether this fear is justified. We also regret the lack of differentiation. With few banks daring to stick out their heads, most of [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Let customers do the marketing</title>
		<link>http://www.disruptivebanking.com/2009/09/25/let-customers-do-the-marketing/</link>
		<comments>http://www.disruptivebanking.com/2009/09/25/let-customers-do-the-marketing/#comments</comments>
		<pubDate>Fri, 25 Sep 2009 09:06:47 +0000</pubDate>
		<dc:creator>Evert</dc:creator>
				<category><![CDATA[Disruptive]]></category>

		<guid isPermaLink="false">http://www.disruptivebanking.com/?p=1783</guid>
		<description><![CDATA[How do you give your customers the feeling that they&#8217;re getting honest and unbiased advice? According to the Dutch Internet bank Alex the answer is to let other customers provide the advice. 
The company delegates its marketing: customers record answers to common questions using their webcam, and the resulting videos are uploaded to the Alex [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Now is the time for entrepreneurship</title>
		<link>http://www.disruptivebanking.com/2009/09/21/now-is-the-time-for-entrepreneurship/</link>
		<comments>http://www.disruptivebanking.com/2009/09/21/now-is-the-time-for-entrepreneurship/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 12:55:29 +0000</pubDate>
		<dc:creator>Aran</dc:creator>
				<category><![CDATA[Disruptive]]></category>

		<guid isPermaLink="false">http://www.disruptivebanking.com/?p=1779</guid>
		<description><![CDATA[It is true that the credit crunch evaporated a lot of money, and cost a lot of jobs. But it&#8217;s not all bad: the crisis has proven to be a valuable breeding ground for innovation and entrepreneurship.
&#8220;In a downturn there is more creativity and innovation, more than you get during boom periods,&#8221; says Carol Bagnald, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<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>Pay online without a bank account?</title>
		<link>http://www.disruptivebanking.com/2009/09/16/pay-online-without-a-bank-account/</link>
		<comments>http://www.disruptivebanking.com/2009/09/16/pay-online-without-a-bank-account/#comments</comments>
		<pubDate>Wed, 16 Sep 2009 15:23:56 +0000</pubDate>
		<dc:creator>Evert</dc:creator>
				<category><![CDATA[Disruptive]]></category>

		<guid isPermaLink="false">http://www.disruptivebanking.com/?p=1734</guid>
		<description><![CDATA[From now on, people without a credit card or bank account, too, can enjoy the benefits of online shopping.
The online payments company eBillme recently launched a new service in the United States that allows customers to order goods over the Internet. The service, called Walk-In, allows them to print the invoice, bring it to one [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Oath for bankers</title>
		<link>http://www.disruptivebanking.com/2009/09/11/oath-for-bankers/</link>
		<comments>http://www.disruptivebanking.com/2009/09/11/oath-for-bankers/#comments</comments>
		<pubDate>Fri, 11 Sep 2009 14:07:01 +0000</pubDate>
		<dc:creator>Evert</dc:creator>
				<category><![CDATA[Disruptive]]></category>

		<guid isPermaLink="false">http://www.disruptivebanking.com/?p=1708</guid>
		<description><![CDATA[Much like medical doctors and notaries, Dutch bankers will soon be made to take an oath, promising to uphold a certain moral and ethical standard. Amongst others, they must act with integrity and in the best interest of their client. Additionally, executives will have to take a yearly exam that will test their knowledge of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Gambling on life and death</title>
		<link>http://www.disruptivebanking.com/2009/09/10/gambling-on-life-and-death/</link>
		<comments>http://www.disruptivebanking.com/2009/09/10/gambling-on-life-and-death/#comments</comments>
		<pubDate>Thu, 10 Sep 2009 15:56:07 +0000</pubDate>
		<dc:creator>Aran</dc:creator>
				<category><![CDATA[Disruptive]]></category>

		<guid isPermaLink="false">http://www.disruptivebanking.com/?p=1702</guid>
		<description><![CDATA[With the mortgage securities market in shambles, bankers are frantically searching for new things to deal in. And it looks like they may have found a new money cow: life settlements. 
When a person with a life insurance policy is expected to die in the foreseeable future, for instance because they are old or sick, [...]]]></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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