Latest articles from Retail Banking

Beyond cost saving

October 3, 2005

Outsourcing of payments processing now extends far beyond payments to include infrastructure outsourcing and even branch outsourcing.Joerg Pinkernell shows this is no longer just about cost reduction – it is also an opportunity to seize other competitive advantages.

From theory to practice

October 3, 2005

Outsourcing in financial services is here to stay. Colin Klipin, Global Head of Alliance Solutions Group at ABN AMRO and Chris Harvey, Global Banking Partner at Deloitte discuss outsourcing partnerships.

Why a bank as partner?

October 3, 2005

Taking another bank as an equity partner is perhaps not an obvious solution for those facing tough strategic choices. That makes it all the more worth considering, writes Arnold van Os.

Meeting challenges from all angles

October 3, 2005

As market challenges multiply, future banking success will depend on making the right strategic decisions now. Outsourcing and partnership are key elements of emerging new business models.

Card costs spark action

October 3, 2005

Credit card companies and issuing banks are under fire for overcharging on interchange fees, and are now under increasing pressure to justify their costs.Wendy Atkins reports.

EU bodies tussle over credit directive

October 3, 2005

Sergio Beristein reports from Brussels on legislative wrangling over how liberalised the consumer credit market should be.
According to an EU draft of the Consumer Credit Directive, obtained by The Banker a paragraph has been added that promotes a free market.

Bridging the Gulf

October 3, 2005

Adel El-Labban, CEO of Bahrain’s Ahli United Bank, talks to Stephen Timewell about progress on his plans for a pan-Gulf retail network.
Most banks in the six states of the increasingly rich Gulf Cooperation Council (GCC) have tended to focus on their domestic markets and as a result remained relatively small compared with the region’s enormous wealth.
But now a few are breaking through traditional barriers, creating regional networks and realising some of the Gulf’s potential.
Bahrain’s Ahli United Bank (AUB) has been a pioneer of mergers and acquisitions in the Gulf and this remains central to the bank’s strategy.

Western Union adds a string to its formidable bow

September 5, 2005

One of the world’s largest money transfer networks, Western Union, has launched a bank.Stephen Timewell finds out what the move offers the network in the long term.

From processing silos to hubs

September 5, 2005

Banks stand to lose huge amounts of profit once real-time banking is implemented, but they can soften the blow with global processing, says
John Bertrand.

Building blocks for leadership

August 1, 2005

Vneshtorgbank is using its acquisition of Guta Bank to build up its retail services, planning more branches and aiming for a leading role in the mortgage market. By Brian Caplen.
Russian state-owned Vneshtorgbank is pushing ahead on the retail front, aiming to claim an 8%-10% share of the market by 2010. During that period, total assets are expected to rise from $15bn to $35bn, including a forecast rise in mortgages from $150m to $2bn and in consumer lending from $300m to $3bn.

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