The Banker is concerned with the business of change. We report on the changes around us and our writers look forward to understand changes that are likely to take place in the months and years ahead. We also change internally every time we think we can better align our product to market needs. This month’s issue contains substantial changes, both of the external and internal kind.

Sophie, our fictitious future client featured in this month’s cover story, is a change junkie who wants to experience the best in banking services. Unfortunately, today’s banks are no match for her desires. Will they ever be? In our survey of the retail bank of the future, we get the bankers’ take on the way ahead: 86% selected online banking as one of the top three methods for contacting banks in five years time.

Banks will need all the help they can get if they are to realise both their own and their customers’ expectations.

In The Banker’s first ever Technology Awards, we identify the providers that are best equipped to deliver the future in retail, wholesale and investment banking. Judging took place in May for a total of 41 categories. Technology Editor Parveen Bansal managed the project.

At the same time, The Banker’s designers were busy putting the finishing touches to a reorganisation of the magazine’s Capital Markets and Investment Banking sections.

To make navigation easier, various sections have been brought together in one Capital Markets section following the Cover Story and Karina’s Kolumn (this month’s is an interview with Colombia’s finance minister Roberto Junguito). Several new features have been introduced, such as our investment banker profile called Agenda that kicks off with an interview with JP Morgan’s Walter Gubert. Our Team of the Month is Goldman Sachs for the Vivendi deal and our Borrower Profile is France Télécom.

Treasury and FX becomes its own section as does Trade and Project Finance. This month we look at client-to-client FX services and we run our second annual global trade finance ranking.

Regionally, Editor-in-Chief Stephen Timewell visited Sweden and Finland and covered the European Bank for Reconstruction and Development’s annual meeting in Tashkent. (He also found time to give his views on the latest Basel II consultative paper.) Capital Markets Editor Geraldine Lambe visited central European stock exchanges for her report on their prospects in the Global Securities Services section. We also report on ANZ’s foray into Asia and the prospects for Gulf banks to do business in post-war Iraq.

Back on the home front, Karina Robinson is promoted to Senior Editor in recognition of her important contribution to the magazine.

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