Paul McAdam

fis mcadam retail banking research bank consumer research banking payment putnam customer loyalty mobile payments fidelity segmentation loyalty consumer banking payments mobile banking mobile mobile phone smart phone profitability customer profitability community bank segments small business marketing efficiency mobile payment social media channels ecom advisors nacha p2p consumer trends distribution remote deposit disruption innovation debit card retail payments delivery demographics retail customer relationship banks and institutions delivery channels mobile rdc social technology smartphone paypal retail bank retail delivery online banking fidelity national information services online account opening remote deposit capture u.s. automated teller machine financial institution branch banking moore mobile remote deposit mobile deposit wehunt city national relationship banking bai cash mangement angel product packages small business banking payroll macoy ach direct deposit person to person mobile bill pay migrate retail payment contactless paper check financial metrics. high perform best in class high performance profit financial return on assets retention cross sell cross sales banking services bank fees customer paul mcadam mandy putnam pos electronic payments durbin customer segments point of sale interchange deposit loan customer segment segment check cash migration bill pay rewards global relationship digital paper checks digital market cross sale earnings insights gift card community banks strategic prepaid card paul strategy differentiation walmart moneycenter retain credit union attract member emv gen y gen x credit card profitable outsource analytics checking account dubin amendment customer data united states