https://padlet.com/em246smith/huz921wk4pf17y2a Made with a lightning strike of genius en-us 2022-05-02 17:29:52 UTC 2022-05-16 07:11:23 UTC hello@padlet.com em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167140308 Knott, Rebeka. “Life before Cell Phones.” Groovy History, 12 Sept. 2017, https://groovyhistory.com/life-before-cell-phones. [1] ]]> 2022-05-02 17:35:30 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167140308 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167140559 Had to go to neighbour’s house to talk to them. [1]]]> 2022-05-02 17:35:41 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167140559 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167141079 Talking to people you don’t live close to required calling them on family’s ONE landline. [1]]]> 2022-05-02 17:36:05 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167141079 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167141766 People sent letters to those who lived really far away. [1] ]]> 2022-05-02 17:36:34 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167141766 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167142930 There was no internet or online gaming. [1]]]> 2022-05-02 17:37:20 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167142930 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167143177 On weekends kids played football, baseball, and had sleepovers with friends. [1]]]> 2022-05-02 17:37:30 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167143177 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167143307 Kids hung out with whoever was free. [1]]]> 2022-05-02 17:37:36 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167143307 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167143654 Parents let kids play outside all day with no way to reach them. [1] ]]> 2022-05-02 17:37:50 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167143654 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167145103 Families had only one TV with 3-4 visible channels. [1] ]]> 2022-05-02 17:38:47 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167145103 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167145992 Kids played outside even in the rain and jumped in puddles. [1]]]> 2022-05-02 17:39:22 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167145992 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167146536 Families played board games after dinner instead of watching TV. [1] ]]> 2022-05-02 17:39:43 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167146536 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167146677 Kids had to set the table, clear the table, and hand wash and dry dishes. [1] ]]> 2022-05-02 17:39:49 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167146677 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167146798 Kids had to finish their meals regardless of if they liked it. [1] ]]> 2022-05-02 17:39:55 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2167146798 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168589352 Easy access to account 24/7 from anywhere. [2]]]> 2022-05-03 16:19:48 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168589352 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168605186 No need to keep physical copies of receipts and bills. [2]]]> 2022-05-03 16:28:56 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168605186 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168607216 Transferring money is faster and more efficient. [2] ]]> 2022-05-03 16:30:16 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168607216 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168608231 Easy to manage several accounts. [2]]]> 2022-05-03 16:30:56 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168608231 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168609426 Can keep track of transactions and account balance all the time. [2]]]> 2022-05-03 16:31:47 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168609426 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168611726 Can quickly spot suspicious activity on your account. [2] ]]> 2022-05-03 16:33:25 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168611726 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168612413 Higher interest rates on savings accounts. [2] ]]> 2022-05-03 16:33:53 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168612413 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168614504 Lower banking fees since bank has fewer expenses. [2] ]]> 2022-05-03 16:35:13 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168614504 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168616937 No requirement to maintain minimum balance. [2] ]]> 2022-05-03 16:36:39 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168616937 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168629374 Cannot access account without internet connection. [2] ]]> 2022-05-03 16:44:27 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168629374 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168630730 Your account could get hacked. [2] ]]> 2022-05-03 16:45:13 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168630730 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168631729 People can get your personal info and steal your identity. [2] ]]> 2022-05-03 16:45:53 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168631729 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168633543 If bank server is down you cannot access your account. [2] ]]> 2022-05-03 16:47:02 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168633543 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168635592 67% of people in the U.S. use online banking services. [2] ]]> 2022-05-03 16:48:21 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2168635592 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174776109 No personal relationship with bank. [2]]]> 2022-05-08 23:54:19 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174776109 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174777691 Hard to get loans and other financial aid. [2]]]> 2022-05-08 23:56:44 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174777691 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174777852 Very difficult to deposit cash. [2] ]]> 2022-05-08 23:56:59 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174777852 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174777967 Lack of ATM machines. [2] ]]> 2022-05-08 23:57:10 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174777967 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174785584 Agarwal, Anuj. “Advantages and Disadvantages of Internet Banking.” ToughNickel, ToughNickel, 22 Apr. 2011, https://toughnickel.com/personal-finance/Advantages-and-Disadvantages-of-Internet-Banking. [2]]]> 2022-05-09 00:07:49 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174785584 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174814772 Lisa, Andrew. “The Future of Banking: Will Online Banking Eliminate Brick & Mortars?” GOBankingRates, GOBankingRates, 8 Mar. 2022, https://www.gobankingrates.com/banking/banks/the-future-of-banking-will-online-banking-eliminate-brick-mortars/. [3]]]> 2022-05-09 00:39:56 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174814772 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174815444 27% of all people do their banking entirely online. [3] ]]> 2022-05-09 00:40:45 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174815444 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174815973 31% of 25-34 year olds do banking entirely online. [3] ]]> 2022-05-09 00:41:23 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174815973 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174816641 36% of 35-44 year olds do banking entirely online. [3] ]]> 2022-05-09 00:42:10 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174816641 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174863199 “Consumer demand for digital features that make managing their financial life easier are driving innovation from fintech startups with a few thousand users to banks like Chase that serve more than 60 million households.” -Rohan Amin [3] ]]> 2022-05-09 01:28:42 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174863199 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174866272 “Today, it is critical that companies design experiences that help customers solve their problems and make the most of their lives with clarity and confidence, especially in a market crowded with alternatives.” -Rohan Amin [3]]]> 2022-05-09 01:31:17 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174866272 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174869282 “Consumers and small business owners will demand more personalization, leading to hyper-personalized features that deliver tailored experiences based on real-time dynamic signals about every individual customer’s needs and profile.” -Rohan Amin [3]]]> 2022-05-09 01:34:01 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174869282 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174928897 New York introduced first “online banking system” in 1981. [4] ]]> 2022-05-09 02:28:35 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174928897 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174931521 People used landline phones and computers to view accounts. [4] ]]> 2022-05-09 02:31:11 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174931521 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174934938 Chase Manhattan and Citibank offered these services. [4]]]> 2022-05-09 02:34:30 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174934938 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174936714 Old online banking methods were not very popular. [4] ]]> 2022-05-09 02:36:21 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174936714 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174938885 Internet banking was created by Stanford Federal Credit Union in 1994. [4]]]> 2022-05-09 02:38:35 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174938885 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174946341 Presidential bank was first to give online access to accounts in 1995. [4] ]]> 2022-05-09 02:45:43 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174946341 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174950449 Many people had security concerns in the beginning. [4] ]]> 2022-05-09 02:49:47 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174950449 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174951618 People didn’t participate bc they didn’t know how it worked. [4] ]]> 2022-05-09 02:50:59 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174951618 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174952671 Setting up online accounts used to be very tedious. [4] ]]> 2022-05-09 02:52:06 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174952671 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174953183 E-Commerce made online banking easier. [4] ]]> 2022-05-09 02:52:39 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174953183 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174954046 By 2000, 80% of banks in U.S. were offering online services. [4] ]]> 2022-05-09 02:53:34 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174954046 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174956041 Creation of iPhone in 2007 kickstarted mobile banking. [4] ]]> 2022-05-09 02:55:28 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174956041 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174957139 Banking can now be done through apps on smartphones. [4] ]]> 2022-05-09 02:56:35 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2174957139 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183569583 Holzhauer, Brett. “Digital Banking as the New Normal in 2021: What to Expect from Banks.” Forbes, Forbes Magazine, 11 Apr. 2022, https://www.forbes.com/advisor/banking/digital-banking-as-new-normal-2021-what-to-expect/. [5] ]]> 2022-05-14 01:55:12 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183569583 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183570117 The pandemic has fast tracked online banking. [5] ]]> 2022-05-14 01:56:22 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183570117 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183571189 Factors: Stay at home orders and limited branch hours. [5] ]]> 2022-05-14 01:58:31 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183571189 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183571688 People feared contamination of bills and coins. [5] ]]> 2022-05-14 01:59:27 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183571688 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183573707 “What we’re seeing is the greatest acceleration of digital banking in history. What’s taken place over the last few months may have taken place over two to 10 years if the pandemic had not come along.”  -Mike Mayo [5] ]]> 2022-05-14 02:04:03 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183573707 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183575826 Health concerns contributed to rise in contactless payments. [5] ]]> 2022-05-14 02:08:54 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183575826 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183576273 Low economy led people to use online banks for higher APYs. [5] ]]> 2022-05-14 02:09:59 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183576273 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183578002 People using phones for banking creates prime targets for hackers. [5] ]]> 2022-05-14 02:13:55 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183578002 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183578722 71% of bank leaders expect their companies to increase cyber security spending. [5] ]]> 2022-05-14 02:15:42 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183578722 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183579726 From survey 1,506 incidents of data being compromised in 2019. [5] ]]> 2022-05-14 02:17:55 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183579726 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183580111 Number of data breaches down in 2020 from year prior. [5] ]]> 2022-05-14 02:18:47 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183580111 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183581301 12% of people left their banks for another one in 2019. [5] ]]> 2022-05-14 02:20:58 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183581301 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183581971 27% want to leave their bank after Covid. [5] ]]> 2022-05-14 02:22:27 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183581971 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183582274 Of 27% three fourths are gen z and millennials. [5] ]]> 2022-05-14 02:23:07 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183582274 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183582892 Proves no more need for building relationships between banks and consumers. [5] ]]> 2022-05-14 02:24:21 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183582892 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183583422 People are less interested in long term resources. [5] ]]> 2022-05-14 02:25:31 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183583422 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183584297 Excellent tools, resources, and services now valued over human connection in banking industry. [5] ]]> 2022-05-14 02:26:59 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183584297 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183584772 Four in five people prefer to manage finances online rather than in person. [5] ]]> 2022-05-14 02:28:06 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183584772 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183585171 80% of people use an electronic device for banking. [5] ]]> 2022-05-14 02:28:59 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183585171 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183585615 85% of people feel they save time by digital banking. [5] ]]> 2022-05-14 02:30:00 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183585615 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183587949 Consumers beginning to feel disconnect from their banks. [5] ]]> 2022-05-14 02:35:14 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183587949 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183588527 Before, banks relied on face to face relationships. [5] ]]> 2022-05-14 02:36:26 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183588527 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183589109 People used to visit branches and interact with advisors. [5] ]]> 2022-05-14 02:37:48 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183589109 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183589593 Now big investments and financial decisions are made digitally. [5] ]]> 2022-05-14 02:38:27 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183589593 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183590022 81% of people feel digital banking makes managing finances easier. [5] ]]> 2022-05-14 02:39:31 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183590022 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183590620 “Digital banking is no longer a nicety but a necessity.” -Brett Holzhauer [5] ]]> 2022-05-14 02:40:49 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183590620 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183633760 Popolo, Meredith. “The Evolution of the Bank Account – Part III: The Rise of the Internet and Online Banking.” ThePaypers, 21 Nov. 2017, https://thepaypers.com/expert-opinion/the-evolution-of-the-bank-account-part-iii-the-rise-of-the-internet-and-online-banking--770921. [6]]]> 2022-05-14 04:25:41 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183633760 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183635408 Before internet, banking involved visiting local branch or ATM. [6]]]> 2022-05-14 04:31:15 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183635408 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183636383 Bank account is now more central our to day-to-day lives. [6] ]]> 2022-05-14 04:33:00 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183636383 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183636590 Banking can be done at any time of day from comfort of home. [6] ]]> 2022-05-14 04:33:41 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183636590 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183643434 Banks realized that going online meant less fees and more profits. [6] ]]> 2022-05-14 04:53:22 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183643434 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183643937 This led to lower fees and higher interest rates. [6] ]]> 2022-05-14 04:54:00 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183643937 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183644752 Banks began to prioritize their online presence. [6] ]]> 2022-05-14 04:56:08 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183644752 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183645264 PC’s and household internet became more popular in mid 1990’s, as did online banking. [6] ]]> 2022-05-14 04:57:27 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183645264 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183646704 When e-Commerce sights grew popularity, so did online banking. [6] ]]> 2022-05-14 05:02:15 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183646704 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183646988 Online shopping made people trust online payment & banking. [6] ]]> 2022-05-14 05:03:13 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183646988 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183648969 Mobile banking first relied on SMS. [6] ]]> 2022-05-14 05:10:09 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183648969 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183649427 People could check account balance and pay bills through message requests. [6] ]]> 2022-05-14 05:11:45 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183649427 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183650068 As smart phones and internet connection evolved, so did online banking. [6] ]]> 2022-05-14 05:13:28 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183650068 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183650385 Soon apps could be used to transfer money and other financial services. [6] ]]> 2022-05-14 05:14:29 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2183650385 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184089199 Parents trusted kids to come home at dinner time. [1] ]]> 2022-05-14 20:48:17 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184089199 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184094213 Benge, Vicki. “When Did Online Banking Begin?” Sapling, https://www.sapling.com/5035719/did-online-banking-begin. [4]]]> 2022-05-14 21:00:40 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184094213 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184121223 Online banks made it easier to deliver a personalized customer experience. [6] ]]> 2022-05-14 22:15:02 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184121223 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184121334 Online banks reduce wait times. [6] ]]> 2022-05-14 22:15:23 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184121334 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184764919 Reduces need for paper and ink. [7] ]]> 2022-05-15 21:03:32 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184764919 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184765456 Fuel consumption decreased by 1.14 million litres per year. [7] ]]> 2022-05-15 21:04:40 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184765456 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184765731 Air pollution reduced by 16,706 kg each year. [7] ]]> 2022-05-15 21:05:15 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184765731 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184766240 People deprived of social interaction. [5] ]]> 2022-05-15 21:06:22 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184766240 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184774534 Harbour , Sarita. “6 Ways to Use Banking Technology to Save the Environment.” Discover & Learn, 19 Oct. 2016, https://discover.rbcroyalbank.com/6-ways-to-use-banking-technology-to-save-the-environment/. [7] ]]> 2022-05-15 21:21:49 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2184774534 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185012207 Requires an electronic device eg. laptop, phone, tablet. [2]]]> 2022-05-16 02:33:49 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185012207 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185013105 Older people cannot use bc of trouble with technology. [3] ]]> 2022-05-16 02:34:39 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185013105 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185014175 People living in remote areas do not have internet access. [2] ]]> 2022-05-16 02:35:42 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185014175 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185015452 Young people are tech savvy and can use online banking with ease. [3] ]]> 2022-05-16 02:36:54 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185015452 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185016166 Low income people cannot afford electronics. [2] ]]> 2022-05-16 02:37:38 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185016166 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185017690 People without access miss out on higher interest rates. [3] ]]> 2022-05-16 02:39:10 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185017690 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185018077 Must go to brick and mortar bank, lacks convenience of online. [3] ]]> 2022-05-16 02:39:35 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185018077 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185020676 Digital banks have higher interest rates on savings accounts. [2]]]> 2022-05-16 02:42:06 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185020676 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185021685 Online banking reduces CO2 emissions. [7] ]]> 2022-05-16 02:43:06 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185021685 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185022488 Online banking limits waste of natural resources. [7] ]]> 2022-05-16 02:43:55 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185022488 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185027151 People becoming too dependent on tech for everyday needs. [2] ]]> 2022-05-16 02:48:36 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185027151 em246smith https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185028949 Higher interest rates on savings accounts. [2] ]]> 2022-05-16 02:50:36 UTC https://padlet.com/em246smith/huz921wk4pf17y2a/wish/2185028949