There's an image making the rounds on the Internet titled "Executive Decision Making System." It shows a picture of both faces of a penny, heads labeled "Yes" and tails labeled "No." From an outside perspective, that may seem hilariously true—and as a leader yourself, you've probably run into cases where you'd prefer to just flip a coin to settle something, rather than wade through all the pros and cons.

By now, you've internalized the basics of time management in an effort to maximize your productivity. You know you must be self-disciplined, shut down distractions, eliminate time-wasters, improve information handling, and make every effort to smooth out your workflow.

The problem is, you can do everything right and still end up with poor results if you're not careful.

I realize all you young go-getters would work 25/8 if possible.

You know who you are. Full of fire and passion to make your startup a success, allowing the business to consume all your time and feeling invincible enough that nothing so mundane as sickness would ever hold you back.

However, heed this advice from a 20-year business veteran who has learned the hard lessons from helping teams all over the world. 

Pre-paid debit cards are the fastest growing deposit product in countries like the United States and China today. In the US healthy 25% year-on-year growth the last 4 years now amounts to $350 Billion dollar annual business. In contrast checking accounts in the US have been shrinking by close to 4% year-on-year since 2009. The vanguards of the new bank account today, however, are not necessarily the giants of the financial industry. The new bank account is being defined by a different set of rules. Low friction, engaged customer base, differentiated distribution (no branches) and strong digital (mobile and web) support are all the rage, but at the core is a new approach to the basic day-to-day bank account. Join Brett King (Author of Bank 2.0 and 3.0) and his guests Alex, Jon and Shamir, as they discuss how neo-banks will are changing the rules and redefining what it means to be a bank at the same time.

Do the underbanked really need bank accounts anymore? With the introduction of mobile financial options, more and more people are opting out of traditional bank accounts and turning to the myriad of financial options that are becoming available as an alternative to traditional checking accounts. Between pre-paid debit cards, gift cards, Western Union accounts, Paypal, pre-paid cell phones, mobile wallets available, social payment systems, the PayNearMe service, and Peer 2 Peer lending taking off, people can avail themselves of all the benefits of banking without having to enter a bank branch or deal with fussy application procedures and small print fees. Join Breaking Bank$ to discuss the way that people are turning to these options with Rachel Schneider with the Center of Financial Services Innovation and Danny Shader, the CEO of PayNearMe, which allows those that have opted out pay for rent, utilities and bills in cash from convenient locations they visit every day.

Why Do Customers Buy From You?

We've all heard that the future of retail will be e-commerce, but the sad truth about most websites is that they don't bring in many sales.

There are those that will tell you it will be many years before mobile payments is mainstream. You'll hear figures like 2014, 2016 or even later bandied around as to when mobile payments will hit mass adoption. However, I believe the primary measure to focus on when looking at these sorts of predictions is first and foremost exhibited customer behavior – the predilection to a shift in the way they pay, bank, purchase or shop.