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"marcus goldman sachs" Discussed on Banking Transformed with Jim Marous

Banking Transformed with Jim Marous

05:00 min | Last week

"marcus goldman sachs" Discussed on Banking Transformed with Jim Marous

"If you're in this situation. A personal loan from US may not be your best option. He may be a better option, or you know if this is your situation. Perhaps it is a better idea. Spend on your credit card, so you know we are product agnostic and want to really explain to people what their options. Options and their choices are so they can make informed decisions and I think that's another real point of difference for us is providing that education that information, so people really can compare different approaches and different options so I can't really necessarily point to one thing I think it's the combination of all of those things and you know at the end of the day are brand's essence is being on. On the side of the consumer, and we really believed that every single day, and that's how we prioritize what to do. What not to do you know it's interesting because I do not a financial institution out. The doesn't say they put customers periods at the number one item I wanna meet, but then the day the products are the services of the way they handle it. Don't necessarily meet that. When you look across all industries, your product in a brand guy, you've worked with some of the best brand in the world. What brand right now do you hold up and say you know what they're Kinda? Get it from the perspective of the way Marcus listen brand where they look at the consumer I and positions it. What are you look? You go to do it the right way? It I'm a fan of war. Be Parker I think they do a really Nice Omni. Channel experience and I think their products are high quality, I think the value and the price point is spot on I the connectivity between the in-person retail experience and the online digital experiences, practically seamless I. Love the Ad Home, experience of being able to try on five different pairs of glasses, and you send back the ones that you don't like I think they've created a real sense of community on top of all that they do incredible charitable work in. In terms of donating glasses to to those who can't afford glasses, so I think you know they are a brand that I really respect and admire for all those reasons, and I, think some of that same culture and philosophy and consumer centric city you would find at Marcus, finally with the pandemic, still being a real thing, especially believe you're in the New York area so especially in the New York area and throughout the country and with household, moving more and more to digital brands. How does the position of Marcus brand benefit and? Will the positioning change at all given what is probably going to be forever reality? I think one of the headwinds, not a major one, but one of the headwinds we face in the past. Is that while people hate going to their branch? They Find Comfort in doing I can physically go in. And grab human being if you've got a problem and you know I think. This Cova crisis has forced many people to turn to digital, because that was really their only option and I think what we're finding is. Customers are sank Jesus. You know this is easy. This is convenient. I can bank from my couch and from my phone, and Oh, by the way, these big traditional banks I must be paying some way for it right I'm getting point zero three percent with my current traditional bank that has brick and mortar, but I can get it up a lot more with a digital offerings. Marcus by Goldman Sachs so people are starting to recognize that really. Really don't need to physically go into a branch to do what they need to do and can get so much more value, because then we really pass the savings onto our customer so I I think that is a shift, not just in banking, but I think in in other industries where people have relied on a physical presence I think people are starting to realize that in many cases you just don't need that, and actually the customer wins with better customer, experience and more value in their products. Thank you very much for being on the show Jim. Thanks for the opportunity I I. Really appreciated hearing your perspective as well and thank you to your listeners. Great interview with Dustin Kohn from Marcus. Obviously a strong brand mind. Behind Marcus Goldman Sachs. Is Very interesting because if you're a radio lister of this podcast. Should go back and listen again to the lemonade interview I did with Daniel Shrimp CEO of lemonade and their way of looking at simplicity transparency. And doing what's right for the consumer? It's really interesting. They waited done that because I. Think you have to look and say? This is the future of financial services. Take steps out of the process. Transparent. Get rid of the hidden stuff that drives people nuts. And deliver just to rape product. Thanks for listening to banking transform rate is a top five banking.

Marcus Marcus Goldman Sachs US Goldman Sachs New York rape Dustin Kohn Cova Daniel Shrimp Jim CEO
"marcus goldman sachs" Discussed on The Ultimate Health Podcast

The Ultimate Health Podcast

11:55 min | 2 months ago

"marcus goldman sachs" Discussed on The Ultimate Health Podcast

"So in this mythical world taxes don't exist one hundred bucks and because you use the guidelines from chapter five in my book you know that ten dollars or ten percent is going to go to savings and it's actually going to be split up into saving for a trip saving for renovation saving for an emergency right it can automatically go into these different buckets. Ten percent is going to be invested and we talk about how to invest. Some percent of it is going to be your guilt free spending. You WanNa go out and buy out beautiful coat or you want to treat your family. Is Something Really Nice Awesome? You have it guilt free and the rest can be used for bills you know Rent Mortgage Day. Spending and all of this is automated through your credit card and automatic payments. So once you set up the system it's like creating a map where your money will just flow through and what that means on a practical level is you don't have to go in Manually. Transfer stuff every month. That's gone. You don't have to do that ever again. You can still be in control because you can monitor everything going on. And this is a key by default. Your money will be going to the right places. Let me say that again. Because that's important right now by default most people just spend but you want to reorient this so that by default. Your money is accumulating. You're building an asset savings and even better invested. This program helps you do that. Let's get even more specific on some of these accounts starting with a checking account because most people feel like I'm sure they go to the bank. Open a checking account and that's that but there's actually more to it. You WanNa look at you know different fees in interest rate that. You're getting on your money in there. So do they do. Where do they start with a checking account because that is like you said the email inbox that you want to have that foundation done right? So what do they do in the book? I give you all these different factors but the thing that I really loved about writing this book was. I just tell you the accounts that I use and the reason that I was inspired by this one day I was watching Oprah way back in the late nineties when I was a kid and remember how over us to do that. Thing where she tells you oprah's favorite things And everybody in the audience went crazy. Oh my God. Okra and I started writing my blog and for the first few years. I never named the accounts that I use because I thought people would take. It was being a little over the top or I had some deal with them. Good eventually what I realized is if you were reading my blog or now. You're listening to me here and if you trust what I have to say. Then you don't want to do all the research yourself. You're just like look. This guy. Sounds like a real weirdo. He probably stays up. Friday nights researching best banks. Just tell me what you use. So that's what I started doing in my book so I will tell you the accounts I used and I'll tell you why so for checking. I used a swab investor checking account get on based in the US four might investments. I USED VANGUARD. I Love Them. They are low cost and it's baked into their business. Malts really really. It's a great company. Put Most of my net worth in my investments there for savings accounts. There's a lot of good ones. I haven't account at Allied Bay. There's capital one three sixty. There's Marcus Goldman Sachs. All these are great one mistake people make is they start analyzing these interest rates in Dot. One is point. Oh two percent higher doesn't matter your account is not where you're gonNA make a lot of money. Your savings is just there just to have the money be safe. The real money is created by investing that matters and your funds that you choose matter but don't obsess over some of these accounts you can also go to my website and see my favorites there. I'm glad you broke down. The difference there between saving investing is just so important. I think for a lot of people they don't make it all the way to the investing STAP and hopefully after they listen to this conversation. We can nudge people that way. That's a huge mistake. Let me just mention that because what you just said and actually cost people over a million dollars over their lifetime. So let's talk about this for just one second. You have some people who just they don't think about money at all until it's way too early. I'm not talking about them. I'm now talking about the people who actually try. They're like you know what I'm going to set up a savings account. I'M GONNA transfer money over there and they feel like yeah. I'm doing a really good job. I've built some dollar amount of savings over the last few years but unfortunately what nobody told that is that savings is good. But it's not enough. Why because every day? Your money is sitting in a savings account. It's actually losing valley because of something called inflation. It's like having a little rowboat with tiny little holes poten and you don't sense then you're going down but just slowly slowly. You're taking on a little bit of water. What you want to do. And the real way that wealth is created is to make your money work for you and his by investing so there are lots of easy simple. Low cost long ways to invest. But let me just be very clear to say that if you have money in a savings account that's great. You should feel good. But that's not enough. The real way to create wealth is for your money to be invested so that is a critical part of setting up your financial system. I'm so glad you broke that down. The inflation part. That's just so important. I can't emphasize that enough as well. And it's interesting in preparing for this interview. I went and looked at our savings account and the interest rate there. And we're only getting zero point. A one percents on our savings account is just crazy but there was also like we're at right now just the General Bank and after again reading your book. I'm going to be doing some more research and and putting the money in a different different accounts but what I did for today which was great is they actually had three different savings accounts and depending on how much money you had in there. It was just something I could do online. I switched it. I skipped over tier two and I went right to tier three and now I'm getting zero point one five and again didn't cost me anything. It was just a simple switch but again as I'm reading. I'm learning that you can get the savings accounts. He's high interest savings accounts in Neo. The two point something range of interest making money versus piddly. Little whatever you WANNA call it. Yeah let me give you an example by the way that will really blow people's minds so let's pretend in that example. You just gave us that. You have ten thousand dollars in your savings account. Okay just an easy round number and let's pretend that you're like hey I got point one five percents in savings so like I'm doing all right. Most people never actually calculate how much they are making interest on their balance per year. Yes how much? You're making an interest if you've got what'd you say? Point one five percents. That's the new higher rate. The exciting changes that I made today on the account. It was point. Oh one so. Guess what you're making interest per year on ten grand. I would say just off the top of my head. I don't know what thirty Bucks fifteen bucks okay. So while it's better than point a one. It's effectively nothing. And this is the key so these numbers are variable. It's not that your bank is a bad bank. Sometimes there are bad banks. I name them. It's just that interest rates are historically low for a variety of reasons the key takeaway here is do not worry about rate shopping on a savings account even with ten thousand dollars which is a lot of money. You're not talking about that much money. The real money is made by investing and in the book. There's a clear distinction of what money do I put in a savings account? And what should I invest? There are some very clear rules for which go here in which should go there but the key takeaway. I want everybody to know. Is that most of us have been taught by our parents like Save Save Save by. Our parents were not financial experts. I want you to do better than the generation and I want you to know that investing is not hard. It does not require you to have some master's degree in finance. You can automate it. So you're spending less than minutes a month on everything. And that is the way that you will accumulate some serious. Well we'll just to keep talking on this and give a better idea. We talked about inflation. And you talk about in your book. Inflation is about three percent versus zero point one five so re highlighting that point. You made your actually losing money over time. Yeah that's exactly right. You're losing money. I don't WANNA get into that. Because it's sort of depressing. People are like wait a minute. I'm not even saving and now you're telling me if I say it's actually bad. Let's rewind savings good. Let's break that down before we move on to investing a little bit here you talked about in the book how you break down. What would be in there but just give us a general idea? Should people be saving an emergency fund in there? Would that look like at a time like this? We have a pandemic and we have some historically crazy things going on with our for the first time ever I have actually extended my recommendations for an emergency fund so for most people I'm advising a one year emergency fund again. I'm speaking to people in the US because our social safety net is much worse than other countries. So I WANNA be clear about why recommends one year? What does that mean? Most people do not have a one year emergency fund setup. So if your first reaction is to say that's crazy. Let's kind of break that down. Let's talk about how you get there. The first thing that you can do in time like now is you can call up all your debtors. So your Credit Card Company Your Student Loan Company even your landlords and you should specifically say look. I've got a cove in nineteen problems. I'd like to discuss what we can do. Advise my students to do this at. I will teach you to be rich. Dot Com and many of them have reported that the credit card companies are holding off. They're allowing them a two-month grace period. Some of them are waving entire Paints and student loan. Companies are also working with people so these companies WanNa work with some landlords are even waving Brent s. The first thing you WanNa do is lock those savings in the second thing you WanNa do. You WanNA cut your expenses as dramatically as you can't right you wanna get ahead as much as you can now. You may not end up with a one year. Emergency Fund right away. That may take time to bill. That's okay what you're doing is you're setting a target and you're working towards of course if you don't have a job right talking about unemployment we're talking about all the opportunities that the government will make available to you and of course looking for another job so that's step one is to really build that fun and leave that money in a savings account doesn't matter if it's point one five percent it's liquid and it's safe and that is what you are looking for right you got into negotiating there little bit. I love that I want to kind of get into that a bit more here and you share a story in the book that I love and we gotta talk about and you and your dad. He taught you negotiating at such an early age. And you share the story of when you're young and you guys went to the car dealership and you spent five days there negotiating for this car and it comes time to sign the paperwork and your data's can you throw in not can you. I'd like you to throw in some car mats and that was about fifty dollars that would have been the total cost of those. They ended up saying no. So you guys in packing up all your stuff and driving away without a car so take us back there and talk about what what went through your head at that time so. I thought that everybody just spent five days buying a car because that was what we did in our fan and I think when you grow up and then you go to college or you meet other friends and you discover that some of the things your family did are actually kind of weird like we stored potatoes under our kitchen sink. Is that normal not for me? But I don't know okay. I don't know either. So you know you discover your family's a little weird in certain ways so my mom and Dad taught us how to negotiate in so many different ways. The key thing they really taught us was.

Emergency Fund US Oprah Allied Bay Marcus Goldman Sachs VANGUARD Dad General Bank Brent Neo Dot
"marcus goldman sachs" Discussed on FinTech Insider

FinTech Insider

10:32 min | 8 months ago

"marcus goldman sachs" Discussed on FinTech Insider

"Like pause. He's Angela refuse the show so angeles. CEO of climb credit. She was also one of the CO founders of Orchard Platform which sold X. City X. Amex She knows everything everything about New York and banking and finally goodson. That is Chris Madman. He's the CO founder chief innovation officer a button former homered then mo English slowly losing his accent living in Manhattan. How're you doing Chris? And eat is is on his second beer so he should be fantastic. We throw stuff on this is that's true So we're GonNa really talk about the biggest apples in the big apple all right. We're GONNA do those puns all throughout the show. I didn't write those but I will read those so one. What's the biggest apple in the big apple? We've had a lot of fun sex sex stories that have come out of New York but I think one that we should really talk about is Marcus Goldman Sachs because when we're talking about Fintech when we're talking about stuff that came out the door silently pumping yes there's an og old. You are like pretty cool. That'd be really on the spot. What is this blushing on a line? You've never heard there's a marcus. Og in the front never been said before I do love. Oh so let's talk about Marcus a little bit right and one of these really curious about when it came into market. Why do you think it was such a success? And I'm asking the folks up here. What do you think made it a a really good rate? I'd say just always like how how can get involved in something. Is that something that they value so like really really good rates. People really want to get involved in that right. Ah Angela with the Marcus Account customink actually have a decent product and offering that people actually want to take up. It's amazing what you can do with. That is so when you think about success and I'm giving both a ridiculous number shout outs here So when you think about the US over four million customers You've got north of five. Doing custom and consumers loan accumulate close to fifty five billion in deposits not bad in the UK. Okay itself over a quarter of a million customers not mistaken and that was just under twelve months eight billion dollars in deposits or savings so for a bank that has one hundred and I don't know how old eighteen sixty five I think not bad okay. Sorry said she's she's a real insider when it comes to this industry but I mean I I do love that story right an old school bank proven that you can do something a little bit different Agree I mean. Old Organizations can actually do stuff if they go in the right way. I know we had bow on the show to like four or five weeks. I interviewed him was incredible. There was a was he was he did wonderful Hatay right American accent but yeah I mean if you go around anything in the right way if you bring the right team together as oc some of them leave at some point you're saying on the former being being in a situation where Maher essentially you you pulled together the right culture you unlock it in the right environment. Then big organizations have still go to the customers and all of the money to invest so You know I don't think it's just stay. Fintech is good and big organizations are evil. It's like if you get the right people together. who were really passionate about fixing real customer problems? You can do anything well. We have the banker her up here and Melissa right at the third and you guys have had successes right and it goes back to focusing on actual value for customers. Yeah I think so I mean and I mean I know several people have marcus Well I would say in addition to what shared about that also essentially in about Marcus is a breakout in a in a bank That actually wasn't is focused on the consumer side before so unearthing entire profit pool or an opportunity will in a totally it totally different area. That hadn't been focused which frankly is very hard Inside the walls of a company that has people who pride themselves on not being in that other side of banking right and so that in and of itself and solving the problem is interesting for us at fifth third. It's it's similar were a super regional bank Recently received our OCC national charter. We did we just completed version last week. But the focus. Zoo's how do you actually go about giving shout out soon. But how do you go about the jobs to be done right. How do you figure out how to solve? And then how do you bring the right solutions. And how do you not not as a bank build them all yourselves right and as referenced. The talent makes a big difference. Have Marcus there are a lot of people. Recruited from Watergate institutions And some folks that were. I'm from within but many people who had expertise in unique areas. They're going to help solve the problem. I mean jobs to be done is massive. Sorry holding a ham this okay. I'm actually just just seen people in big organizations letting go with the fact that they don't really understand what it is to be like a normal human being walking around on the street and actually is just. There's such a major part of it isn't it. It's like well. I don't think it's broken because somebody fixes my laptop fifteen seconds when it's good. No you know. I've never opened the door for myself in the last twenty. Two years these types of things. But it's like real realities of like the brutal realities a day to day. Life is just something that not everybody really understands if you really really senior in a big organization nation but but again so much of that comes down to I mean I remember talking to bow when he left Barclaycard more than actually so much of I think the success is down to the White was setup. It's not really about the technology all the investment. It's the fact that you have people who are passionate about fixing problems and definitely a learning them to jump to the the frameworks that you can build out to to make. Those things happen has France Angela. I'm curious because you've had two successful companies with Orchard and building that team out and on a definitely coming to you for Rojo rather interesting question but when your side is that if you seen that the same type of yeah I think it's a it's a First Principles approach figure out the problem. You're solving and then build around that. Make sure there's actually a market for it At climb the the problem that we're solving is that People want to attend vocational GNOME skills training programs that have a high. Roi But there aren't great financing products available to people who want to attend those pro- programs and so that's the problem solving and it's easy to be distracted by. Oh there's a really big market over here for so we're in student lending. Does it's a really big market over here for refi or another really big market over here for bachelor's degrees but that's not the customer base we're going after and that's not the problem solving so how those aren't the things that we do and Chris to give you a big shout out here again. Ben Mo- right. It's about Nice job by the way and now. Can you describe everybody. I know Chris was described button for everybody throughout familiar with fun. Yeah absolutely so we believe the transactional revenue would eventually that replace. Advertising is the way that businesses make money and we make it really easy for businesses to adopt that and particularly with Fintech in order to introduce commerce for their users into their APP in a way that drives engagement monetization kind of angle for them. Things like acorns found money and Samsung pay rewards and something like that and other the things actually love about button and I'm going to give them the shutout best place to work like. I Dunno five years running now in New York as a constant recognized that so when it comes from a culture standpoint for the team well done by the way. You're welcome and see a lot of love up here right now. Some give you the weird question. Do you feel like a success now that you had simmons handshake the Great British baking. Show where you get like that. Yeah that one I feel affiliated. Yeah no frame of reference whatsoever sort of playing the US okay all right. We're GONNA move right past that. So here's a question for because again we're talking APS right in your world. Live the thing with Marcus. There isn't a lap. There's nothing on the mobile side right. This is a pure play so I mean when you look at that and its success they had god what lessons do you think there are there to me. That is pretty funny. Obviously we'll come back to the value prop right and it comes back to give a good rate. Yeah like so the reasons people did it. It's so funny about this with here. I know it's kind of like. Can you give me a report caught afterwards. You said this. Just throw US shit legitimate slang often. He wouldn't be able to cancer which is I it's really hard for humans to forget what you know and so I think it's actually easier for. Es as not being in the consumer banking is not having existing infrastructure on that not having kind of dogma legacy products to offer to be able to actually also the customer questions and listen and then build the stuff that they're telling you about whereas if you're a bank that may be has some some of IT infrastructure already serves that customer. You think you already know the on so you think you already have products you kind of put bells and whistles on and retrofit and the new problem and so you know apple apple no out like she cares the weird thing to say coming from the business that we're in but ultimately how to the customer's Bank this probably a group of customers who do want happen who knows. Maybe they'll be incremental value in it build. What customers the telling you that they want? It's a weird thing that you have to say out loud in a like do stuff customers like and then like they like it like it's weird isn't it seems so well doesn't very strong. Yeah well yeah I find it. Incredibly curious I'm in the room itself just out of an I know it's a podcast so they can't see this but maybe a woo if you work for a bank like a woo do some really. You've worked for Bank for bank that's all. I'm getting it all right. We'll move on past that New York one thing. I think that's interesting. Let's move on to a different story if you don't mind when we look at New York and you look at the. US London urine argue over and over again as Fintech the capital of the world show whatever in the US whatever in the US. Obviously I think we're GONNA Say New York right but you look at the difference between Silicon Valley in New York and there's something we want to kind of set for our audience that listens. What makes New York so attractive from fintech standpoint to one start a company here it GonNa look right at you Angela for that one? Why New York? Why Not Menlo Park Well part of that is because I live here. I mean not for other people the.

New York Marcus France Angela US Fintech Chris Madman apple Marcus Goldman Sachs Orchard Platform OCC UK goodson Barclaycard Manhattan Samsung Menlo Park Maher
"marcus goldman sachs" Discussed on FinTech Insider

FinTech Insider

03:21 min | 10 months ago

"marcus goldman sachs" Discussed on FinTech Insider

"Then we take you on the rest of the journey and we asked for just a handful of other information and then that's when we do the book in the u._k. For deposits is something like sixty seconds. You can book deposit account in u._k. Right we we just said how do we just make it simple. Last thing is if you read our oh <hes> f- accuser if you read the information about what fearless loan looks like it's written at a level that everyone can understand. There's not jargon. There's not legal jargon it. It just very clearly. This is how simple lunches keller. This is. What no fees me. I mean like literally. That's what we wanted to do. In it's funny because you'll hear the slot about for example challenge your banks right. This is a podcast for levin espinosa monzo. I'm congrats a hit. I met that joke constantly but it is still funny but i mean i think that is one. The thing that a startling a monzo and others have done really well so simplicity of language and engagement right. I mean that is u._s. Do laugh when you got your credit card all the disclaimers claimer just fall and instead of falling in the trash. They're gonna end up anyways mos last time someone at will you might have read them but long time actually. Have you ever read them. I would oh god it's never going to happen. What surprised you most about the success of this was a success in the u._k. It went really well that that really schalke's so in the u._k. Actually blew my mind so we of course we built installment loans vast. We integrated u._s. Deposited fast the team under colin white and desma data over in the u._k. Building that and <hes> was interesting. I was over there few weeks before launch just helping the team. Get ready and prepare for and we had like fairway. We think we're gonna get this many accounts. We blew by that and like the first six day. You did all right right. It was like lily stagger. I think we're the fastest growing deposit only digital bank in u._k. History or something like that. It was just blown away in that stunned. Sund me what i think is. The most stunning thing about the successes is the way that people have actually you know embracing gravitated the other thing that was massively surprising not not surprising surprising but it was really nice to see is the way the firm has embraced marcus culture. You know the fact that i'm getting having opportunity to go on a bigger impact in the firm. Those sorts of things really tells you that as much as marcus you know is a part <hes> but sometimes we're under a different brand. We are part of goldman. Sachs and goldman sachs really really truly embraces what we've done and where we're going. The name was never hid right. It's marcus by goldman sachs as actually. There's actually case studies on that brandy which is amazing when you think about that but it tells you how weird our industry is the guy who actually came up with that name guide destined cohen who's good friend of mine. Who's our marketing public relations. The guy who just actually took over that same role for all of see my idea which is a part of he actually came up with that name in the shower one morning. He visit one of those lightbulb. He's an incredible guy. He was sitting there thinking through all the names that are coming up to the research and it was like yeah but you want. I want to be on your side you you you wanna have personal relationship and he was thinking who founded the company. Marcus goldman found the camp and what happened is wait a second marcus. Marcus is your friend marcus goldman sachs and that's where it came from. It's it's really interesting not standalone right and yet can but it's tied with the brands you have that hundred and fifty years behind it and yet. It's a completely new. We talked about this a little bit..

u._k goldman sachs marcus goldman sachs Marcus goldman Marcus goldman Sachs levin espinosa colin white cohen sixty seconds fifty years six day
"marcus goldman sachs" Discussed on FinTech Insider

FinTech Insider

03:25 min | 11 months ago

"marcus goldman sachs" Discussed on FinTech Insider

"Financial services in how banking is being broke confer. It just looks like european fintech. My doesn't it so. I'm not sure if that necessarily lead to him. Leaving apple probably should've done that was one of the things actually when they first to reveal l. a. bit more about the card. It was like oh god. You're gonna get spending. Insights color coded categories that everyone in europe like this is not new. I was sitting with jason jason bates. Ah timing news like yeah like it's the only time i've felt smarter than jonny on which was good. I think they will be stumbling block just because the u._s. is is not contactless friendly yet and if you're trying to convince people to use apple pay places they can't use apple pay will then immediately customers are going to be like well. I've got this new production. You're promising me great cashback. I back icon actually use it anywhere. So what uses it takes seven days apparently still so you have to go to the underlying came out in the desert does big risk for apple in that because when you just look at what apple has done before with with their control freakish about a product so that they wanted to control everything then of the price about now now only a small part of the thing especially. The name is on the apple. The rest is into design. Maybe the rest is is somebody else where their whole customer experience might go. Oh quite wrong and as you said before this in this comes back to apple and nobody is saying this is goldman this somebody else it is at the end of the day. It's an apple card image. Something goes wrong. It will always come down to apple so i think said we see a seismic shift here in in how they look at products and penta people care pinta goes wrong. They don't care about like the underlying supplies. I've just done that for my life. I can tell you that free apple has the same problem. No one will care all boost. The role of good goldman here is interesting because i think we will go experience of big banks and house lived the they they can operate but if goldman behind the scenes emerging apple credit card data eighty two with marcus data some leave high interest savings with credit card data and then it's not that much of a leap into something like long term investments and so i think that's an interesting interesting from goldman sachs but not not much publicity for them but they're not using the data selling the data. Actually this is this is the benefit of the marcus platform. Essentially you know the it says goldman sachs in some ways marcus goldman sachs but this is essentially the marcus platform being being exposed through a j._v. with somebody else. I think they really interesting for to your point branding. I mean actually i mean credit cards lead to people getting into debts. It's like this isn't eventuality of this. Because i mean shiny aluminium. Things cost a lot of money right say like how do you think the apple brand will take basically being the sort sort of gateway drug into two deck for many people tearing this around. I mean probably just fine pressure kind of seeing it a little bit outside of apple book with clone on his entry to the u._s. because they've gone big marketing campaign with using influences and trying to get young people of any kind of shape and form into using saying something respectively interest payments but then can give you a really big interest rate. If you don't make the payment without much forethought into who were they actually targeting targeting because if you choose an influence or you've got no control over that audience that could be a lot of people in there who walk very fiscally responsible vulnerable that receiving this information then thinking oh great new your product i can use and when you get.

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"marcus goldman sachs" Discussed on Exchanges at Goldman Sachs

Exchanges at Goldman Sachs

05:37 min | 1 year ago

"marcus goldman sachs" Discussed on Exchanges at Goldman Sachs

"This is exchange of Goldman Sachs discussed developments currently shaping markets industries in the global economy. I'm Jake Siewert global head of corporate communications here at the firm today. We're in London, and we're talking about savings and the consumer finance business will talk a little bit about cultural differences and savings habits in the UK and other regions of the world and differences. Amongst generations, millennials jen's, ease baby boomers, and how they view the shift to mobile banking and much much more. Joining us his designate, imagine director goldman-sachs consumer finance division. Who's overseeing the launch of Marcus Goldman Sachs in the UK? Does welcome to the program. Thanks, jake. So let's start with some broad context around the savings market in the UK as typically been a region of savers, and how has people's view of savings changed since the financial crisis. The UK's definitely nation of savers before we launched Marcus. We interview three thousand different consumers to ask how they saved what they thought about savings, and we found that eighty five percent of people put some money aside every month just to save it for rainy day for holiday for purchase that nature of savings been good. But what we also found is that people aren't very good at saving. So they're trying to save twenty five hundred people didn't have savings account. All they just either left the money in the current count. Right. She lots of people just left at home lying around little pockets refined. Even one of the people actually literally left under the mattress. So is quite scary that at decade of low interest rates posts, a financial crisis had just seen that people try to save. But they're just not good at it yet while the wasn't much reward for saving in the wake of the financial crisis. One thing that's obvious when we launched Marcus here in the UK versus US. There's a much more active debate around getting a fair rate of return on your deposits. Why do you think the debate so much more robust? Here than it is elsewhere ten years of low interest rates savings was almost like forgotten category within banking knows of consumers, and what we saw was that banks in someway has lost interesting savings and savers. They weren't talking about it. It was like when was the last time. You saw a savings for advertised and customers lost interest in savings that apathy about what they get is not worth their while switching why not leave my money with my current account and account paying not no interest at all that apathy really kicked in after ten long years of low interest. So what we saw when we came in. And when the reason Marcus was excessive we put savings back Lanier gender Amal starting point was I see we wanted to put the interest back into savings, and that wasn't just about pain. Great customers with actually put savings back on the agenda. Does you talked a little bit about the awareness of the savings issues in the rates savers are paid our policy makers weighing in the space because there's not a big debate in the United States around the rates savers or paid for? Deposits. So there's been a lot of debate and changes in the UK market from the government and regulators to try to help people to save. So if I think some of the changes that we made in the last few years, the personal savings allowance was introduced which at he made all savings tax free for the first thousand pounds for normal rate taxpayers and five hundred pounds higher tax taxpayers that was used to incentivize people. They've also introduced individual savings accounts and schemes to help people get on the housing advice able for deposits. I definitely an incentive within the governments to put savings back on the genuine as realize Asian that low interest rates haven't helped savings so trying to do anything from government view, which drives savings behavior who put savings back. Bacne general gets people onto savings habits has definitely worked. Whether that's really driven behavior is yet to be seen in some ways. Because in some ways, that's added more complexity to them. Market people don't necessarily understand should have this tax free savings account that tax savings account. So I think there's a dry full simplicity of policy has been in the good way. There's still more that can be done. Monetary policy, obviously, very different in different countries in the wake of the financial crisis. There emerging from zero interest rates at different paces. What role does monetary policy play in the differences in savings habits in different countries? Fi look at the u k I very much quantitative easing ring-fencing the retail banks of a wash with liquidity. So they don't need savings. If you take out, and you up is very similar being low interest rates for a long time. So again, people need to save, but the returns incentives that banks give to them is much lower in that part to it. That's front are into all over the world post on crisis. So the banks didn't really want anymore at posits. They weren't willing to pay for more deposits are there other cultural psychological factors play in some of the differences around savings. If you look around the world is difficulty, cultural, psychological factors in itself. All people save as spenders at the younger person. I respect me spend my needs for more. And as older I became a saver. I start. Thinks that you'd long term. It's a moving natural insti-, you cume late more wealth. But I'm not sure there's a cultural difference, I know in Germany fascinating country because eight percent of their GDP at he saved every year that need to save is definitely grain into that culture. I don't think necessarily near Anglo-Saxon world so in different cultures. You see that as much it fills removing individual

UK Marcus Marcus Goldman Sachs Goldman Sachs Jake Siewert US London global head of corporate commu director jen Germany eighty five percent five hundred pounds thousand pounds eight percent ten years
"marcus goldman sachs" Discussed on FinTech Insider

FinTech Insider

02:59 min | 1 year ago

"marcus goldman sachs" Discussed on FinTech Insider

"Management like how do you actually launch a new product and enable it in order to to have new releases? When traditionally it used to used to have the released team planning a few months ahead as to what might go on. So so interests me is to like, obviously with metal is like having done so much work in the back end to make that happen. Now suddenly metal to metal three metal four with the Bank. That's actually big and has a good amount of capital to deploy actually sort of cleans the pipes. Suddenly there's there's the opportunity for doing production line where variety fintech might be. This is really interesting nuance point that people will miss there is still a fundamental difference. Go open that can do it just go. Let let let people here. Be is happening. This this really new ones point between sort of doing greenfield, Marcus as a big Bank in a big Bank way and doing something different doing what they did is still better. But it looks a lot like I director nature spec- like people have been doing that. For decades. What we're saying is the something fundamentally new about y'all to something fundamentally new about denizen and asked oh, and all of those types of new ten and money, you buy AB n the something fundamentally news so Marcus to me feels like, hey, new product. It's not a service like actually go is a savings account. It's just gonna to differ slightly from rain like and they've enhance the on boarding experience and the tone is slightly different. Because it's Marcus, Goldman Sachs, and that's good. It's like a it's like a nice directional things kind get going. But it's what they do with now because like standalone savings is is not the thing. But if this leads them to where they need to get to then this is. A great stepping stone. That has actually made him a bunch of money on the way that we do. We think the new vendors behind the scenes have anything to do with this shift as well. Is it something in the the fort machines, the mom booze Lavarra's, and let's say it eleven foundry is something there for baby. So I think yet anything in the Manby sense. Thank those guys are having impact. I think is harking back to my my days when I did wear my lovely suits than like being in a situation. We're actually like core banking is fundamentally transformed is not just from a technological Tibbets. Actually, most bang procurement processes getting the shit together. So it's going to be my point. Right. If you wanna do this. Or if p the starting point will RFP tells you what you asked the vendors to tell you. So actually, if you're looking at people who've spent a bunch of money and sold a bunch of stuff, then actually you have a tendency to get the people who spent a bunch of money and sold a bunch of stuff looking for the scenarios Ranchi, you're looking for ten logical advantage. And actually, this is what we're seeing we're not we're not seeing really big organizations, and this is probably the best thing that we've actually seen fintech. Really bring market is. We're not seeing huge organizations looking for fifteen.

Marcus Bank Goldman Sachs Ranchi Manby director Tibbets greenfield
"marcus goldman sachs" Discussed on 94WIP Sports Radio

94WIP Sports Radio

01:54 min | 1 year ago

"marcus goldman sachs" Discussed on 94WIP Sports Radio

"Current member of the Sixers has the weirdest one I've ever heard that's next WIP sports, eight hundred seventeen well, you haven't sliced a pumpkin pie or hung a stocking yet, but rest assured holidays are on the way, so now between all those dinners and visitors free-flowing plumbing is an absolute must horizons. Got you covered clear any drain now for just ninety nine dollars. Did you know this is the busiest time of the year for plumbing calls, you're horizon team is on call twenty four seven to tackle all your plumbing emergencies that means nights weekends? And you guessed it holidays. I know this idealism over the summer during the holidays called them on a Friday at holiday they were out to help me get water back up and running. So give them a call eight hundred nine nine nine nine hundred ninety five to schedule your ninety nine dollar drain clearing now. Now, you're fully licensed. Horizon plumber will arrive on time, of course in their signature orange. Truck stocked with everything needed to get your home running again. Plus their work is backed by horizons one year all clear guarantee. So if that train isn't flowing freely for any reason after their visit they'll return for free keep your home happy for the holidays. Call horizon now to book drain clearing for just ninety nine dollars all season long. Tell them rea- sent you. When you call eight hundred nine nine nine nine hundred ninety five or visit horizon services dot com. The only way you can take sports radio ninety four w I p with us through the radio dot com. Everybody stopped. Download it today and listen to us anytime anywhere. This is the CBS sports minute. Brought to you by Marcus. Goldman Sachs offers personal loans with no fees ever, visit Marcus dot com..

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"marcus goldman sachs" Discussed on 760 KFMB Radio

760 KFMB Radio

01:57 min | 1 year ago

"marcus goldman sachs" Discussed on 760 KFMB Radio

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"marcus goldman sachs" Discussed on ESPN Chicago 1000 - WMVP

ESPN Chicago 1000 - WMVP

01:44 min | 1 year ago

"marcus goldman sachs" Discussed on ESPN Chicago 1000 - WMVP

"How you get out the cows. Get a personal loan from Marcus, Goldman Sachs fixed interest rates and no fees ever. Learn more, Marcus dot com. Today's the day to get motivated to be inspired to start listening and now with audible for just fourteen ninety five a month. You get any audio book of your choice into audible originalist. Plus for the first time, ever exclusive, fitness and wellness programs all included with your membership. And if you don't like a book exchange it at any time so make today the day you start listening to start your thirty day trial and get your first audio book for free, audible dot com. Your success story with a graduate business degree from Loyola University. Chicago's Quinlan school of business featuring the top three ranked part time MBA program in Chicago as well as several specialized master's degrees. Our curriculum is designed for working professionals convenient evening weekend online courses are available to fit your schedule. Aim higher and take the next step in your career. Learn more at L U C dot EDU slash Aim High. That's l u c dot EDU slash Aim High pros in the know start with Lopes because lows has the power tool brands pros count on every day common now during dewalt days and get up to thirty five percents off select tools like a dewalt twenty volt cordless drill or cordless impact driver. Both with battery included now ninety nine dollars each plus save time by ordering head online and your order will be ready for pickup in store. Stop by visit Lowes for pros dot com for details. So pro now that you know, start with Lowe's offer valid through ten thirty one while supplies last US only. When a player doesn't like a contract or do they do they hold out? They hold off for.

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"marcus goldman sachs" Discussed on ESPN Chicago 1000 - WMVP

ESPN Chicago 1000 - WMVP

01:33 min | 1 year ago

"marcus goldman sachs" Discussed on ESPN Chicago 1000 - WMVP

"Take off credit card debt with a personal loan from Marcus by Goldman Sachs. Life can add up quickly like when your youngest needed braces the same week as your oldest tuition was due. And then you got hit with the vet Bill for the real baby of the family. Debt happens. It's how you get out that counts. Get a personal loan for Marcus. Goldman Sachs fixed interest rates monthly payment options and no fees. Never. Learn more, Marcus dot com. At autozone. Helping to get more done is what we do. Best like with the autozone. Rewards program. You'll earn a twenty dollar reward. Every time you spend twenty bucks for more five times. It's just one more way to get more done right now. Save on five quarts of valvoline daily protection conventional or match lifetime'mileage, Motorola. Two point five ninety nine. Visit any of our hundred sixty six Chicagoland, autozone. Location somewhat us do more for you. See terms dot com slash awards. Restrictions and details. The story. Seven Williams and save forty percents on paints and stains during the four day super sale September twenty first through the twenty fourth. You heard right. Forty percent off paints and stains with colors like vanity pink and library pewter. We've got the perfect paint for your DIY project. Visit your neighborhood Sherwin Williams store and talk to our experts today retail sales only some exclusions apply. These store for details. My number two does not look.

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"marcus goldman sachs" Discussed on ESPN Chicago 1000 - WMVP

ESPN Chicago 1000 - WMVP

01:55 min | 1 year ago

"marcus goldman sachs" Discussed on ESPN Chicago 1000 - WMVP

"Keeping your whatever. I gotta go. Are we done is it over? Make room for Sunday. Get every game every Sunday on NFL Sunday ticket when you switch to direct TV sign up the correct TV dot com slash NFL, more for your thing. That's our thing. International. Transformation supply. Hey off credit card debt with a personal loan from Marcus by Goldman Sachs. Life can add up quickly like when your youngest needed braces the same week as your oldest tuition was. And then he got hit with a vet Bill for the real baby of the family. Happens. It's how you get out. The counts get a personal loan from Marcus. Goldman Sachs fixed interest rates monthly payment options and no fees. Learn more at Marcus dot com. Hi, this is chase Berman general manager at Arlington Acura September as national childhood cancer awareness month, we're donating fifty dollars for every new old in the month of September right now, you can get zero percents APR for sixty months all new at your models. Bob, Moreau Arlington accurate in Palatine, just one block west route fifty three on Sunday road zoos applied on right foul. Purchase price. Geological twenty five thousand six hundred six thousand financed between seventeen new car sales and ten one eighteen when you purchase an alarm system. You do it for one reason above all others, you need to know something about the people or property under your care, knowing that what matters most will be looked after by professionals when you can't be there is a comforting feeling at alarm detection systems. We've learned a great deal from our decades of service. We know how to treat customers on the phone. We know that installing quality security products using certified technicians is the only way to go. We know. That same day service and local monitoring will provide the safety and peace of mind. You're looking for you, no longer have to wonder if your home or business is protected by.

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"marcus goldman sachs" Discussed on ESPN Chicago 1000 - WMVP

ESPN Chicago 1000 - WMVP

01:33 min | 1 year ago

"marcus goldman sachs" Discussed on ESPN Chicago 1000 - WMVP

"Probably from my friends. Doc, it's not your dog's hair the dog, and you passed you can see why we cut it down. Visit hondacertified dot com. Check out our latest certified pre owned inventory from ABC dot com. Two thousand eighteen best value brand based on two thousand eighteen brand inventories. From Kelley blue book. Visit KP dot com for information. Off credit card debt with a personal loan from Marcus by Goldman Sachs. Life can add up quickly like when your youngest needed braces the same week as your oldest tuition was due. And then he got hit with the vet Bill for the real baby of the family. Dead happens. It's how you get out. That counts. Get a personal loan for Marcus. Goldman Sachs fixed interest rates monthly payment options and no fees ever. Learn more at Marcus dot com. Major league baseball on ESPN radio and on the ESPN app. Manage your dream team and franchise goal. Plus get weekly stats roster. Updates and more RBI baseball. Eighteen is available now. Learn more RBI dot com. Rated e for everyone. Chris singleton Kevin winter back at the studios. Roxie burn with you from Dodger Stadium one nothing LA over the Rockies in this match up of the top two teams in the NFL west with the dodgers game on Colorado coming into play tonight. Bottom of the order for the rocks here. The third eye Annetta Hamson and the pitcher freeling against Clayton Kershaw..

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"marcus goldman sachs" Discussed on WCHS

WCHS

01:57 min | 2 years ago

"marcus goldman sachs" Discussed on WCHS

"This report is brought to you by marcus by goldman sachs americans total credit card debt continues to climb with the average household carrying credit card balance of over fifteen thousand dollars according to nerdwallet american household credit card debt survey sixty one percent of americans who have ever owned a credit card have carried a balance from one month to the next i'm andrea work ambassador for marcus goldman sachs to get your financial house in order this spring explore your options when it comes to paying off credit card debt if you carry a balance on one or multiple cards consider consolidating debts by taking out a personal loan you can find these loans online with lenders such as marcus by goldman sachs which offers no fee fixed rate personal loans to help consumers with good credit pay off high interest variable rate credit card debt for more information please visit www dot marcus dot com that's w w w dot marcus dot was a goal that i wanted to achieve at the very beginning i'm a forty year old man that walked in there to get his high school diploma i wasn't sure if i could do it very hard for me by the teachers the counselors they help you one of the teachers was ms ara sally missouri sally she gave me direction every single time had a question she'll put down whatever she's doing she'll come over and she'll sit there with your till you get it at age forty seven with the help of his teacher marco finished his high school diploma fifty percent of getting your high school diploma is walking through those doors the other fifty percent is doing the work getting your high school diploma it is a life changing experience it really is a catapults you to where you wanna go no one gets a diploma alone if you're thinking of finishing your high school diploma you have help find free adult education classes near you at finishyourdiploma dot org that's finish your diploma dot org brought to you by the dollar general literacy foundation.

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"marcus goldman sachs" Discussed on AM 870 The Answer

AM 870 The Answer

01:40 min | 2 years ago

"marcus goldman sachs" Discussed on AM 870 The Answer

"Debt continues to climb with the average household carrying a credit card balance of over fifteen thousand dollars according to nerdwallet american household credit card debt survey sixty one percent of americans whoever owned a credit card have carried a balance from one month to the next i'm andrea work ambassador for marcus goldman sachs to get your financial house in order this spring explore your options when it comes to paying off credit card debt if you carry a balance on one or multiple cards consider consolidating debts by taking out a personal loan you can find these loans online with lenders such as marcus by goldman sachs which offers no fee fixed rate personal loans to help consumers with good credit pay off high interest variable rate credit card debt for more information please visit www dot marcus dot com that's www dot marcus dot com com frustrated trying to get business capital want to take the slow process and rejection out of the equation loans dot com removes the slow irritating approval process instead get quick simple funding powered by david allen capital eighty percent of our prequalified clients are approved in days prequalify at loans dot com and get your money this week it's that easy gdn loans dot com that's n loans dot com many people write us about their experience with extended by allow me to read you a few from amazon dot com by mel great product my husband fatherinlaw use it regularly both my husband.

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"marcus goldman sachs" Discussed on News 96.5 WDBO

News 96.5 WDBO

02:27 min | 2 years ago

"marcus goldman sachs" Discussed on News 96.5 WDBO

"In the morning drive out of town for work i can still listen to my favorite station wdbo the wdbo app now apple or android device this is where orlando turns first for breaking news weather and traffic news ninety six five wd put is brought to you by marcus by goldman sachs americans total credit card debt continues to climb with the average household carrying a credit card balance of over fifteen thousand dollars according to nerdwallet american household credit card debt survey sixty one percent of americans have ever owned a credit card have carried a balance from one month to the next i'm andrea work embassador for marcus by goldman sachs to get your financial house in order this spring explore your options when it comes to pay off credit card debt if you carry a balance on one or multiple cards consider consolidating debts by taking out a personal loan you can find these loans online with lenders such as marcus goldman sachs which offers no fee fixed rate personal loans to help consumers with good credit pay off high interest variable rate credit card debt for more information please visit www dot marcus dot com that's www dot marcus dot com right now save sixty percent off absolutely everything at gap factory and fifty to seventy percent off at the nanna republic factory and both stores save forty percent off clearance plus don't miss banana republic factory doorbuster dresses that nineteen ninety nine and gap factory logo hoodies for the family from fourteen ninety nine what are you waiting for search our store locator for your nearest gap factory banana republic factory source for shabbat online like to earn one two or perhaps five thousand dollars a month impassive mailbox money then here's an amazing opportunity for you actor dean cain known as superman in now real estate investor with the national real estate network are giving away the riches and flipping cd four free to anyone who calls now bill show you step by step how to create monthly cash in flip houses for huge profits in just ninety days call now and you will also receive four tickets to attend our free live riches and flipping events were dean and his team are looking for a handful of people in your area to join their team you do not need your own money and you do not need good credit you just need to call right now call one eight hundred five one nine four one seven one now to get your free cd call eight hundred five one nine four one seven one.

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"marcus goldman sachs" Discussed on ESPN Chicago 1000 - WMVP

ESPN Chicago 1000 - WMVP

02:41 min | 2 years ago

"marcus goldman sachs" Discussed on ESPN Chicago 1000 - WMVP

"Nature that gets you state farm here to help life go right don't make sense marcus goldman sachs first no fbi personal loans for all renovations have major purchases georges a ban on credit card debts so get brief visit marcus dumb michigan lease due to thirty four thirty one with one forty nine to play in the perched up each team's each team at plenty of timeouts five team foul michigan on dudek daniel dugout league with this back and forth important fair michigan tantawi but it's been very closely in away i mean just plain of and yet and asshole he called for a high level game you know you want a new naval then and there is some of the best players and blame everybody's maconca making key turning though high level game that's what this is there there are other conference tournament serbia ever covered tournament championships these are two teams that could very well be playing in the fatah foreign san antonio and playing at that kind of heat ended season level you look fourteen replaying a absolutely it's been a very good game so far michigan shooting nearly fifty two percent of they've made 3 of 10 from produce forty eight percent when they should forty eight percent or more they are what they want to know this season we mentioned before last five games they've shut fifty three percent of the field and that of benha fivegame winning streak wagner wait six minutes in the first step 38 a spurt three mystique last two ties caused the other big man in the battle has been doing it 11 points five rebounds technically boxer may move to second cheer as far as pick man battles go sophomore senator john b twelve points that we began to assist watch shut off the bench would not be michigan basketball out of the time out your mind savior simpson mobile app your back in along with a sailor livers and charles matthew for purdue all of the starters accept pj thompson has been replaced by no celli stern little bigger side net point guard battle under this dangerously in a very good rebounder now obviously the shooter pj towns villages hit a 3 drought matthews gets to screens at highland packs if you took miracle wraparound past two defenders fertile land by mobile argument again attacking isaac haas in the ball screen and actually is the fault of cards networks of the weak side and you're worried about the shooting but you have to defend the big gap edwards gets a high screens let's to three fly just missed it event tries to save it tried to touch pass to.

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