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The branch is reborn with twist in the sales
Far from being hounded into extinction, the branch has undergone a resurrection with an entrepreneurial shift towards making sales instead of merely carrying out transactions. Michael Imeson reports.
Science fact
Identification methods that were once science fiction are now being used by banks, and some of the most innovative schemes are not in the obvious technology hot-spots. Wendy Atkins reports.
Commercial reality hits microfinance
A new report asks whether commercial pressures will change the identity of the microfinance sector. David Lascelles looks at its findings.
Self-service trend marches on
Fortis and HSBC provide two examples of the onward march of automated banking, a phenomenon that is also the subject of a Europewide survey by Fujitsu. Michael Imeson reports.
Battle for contactless supremacy
Europe is following Japan’s lead in the roll-out of contactless payment technology, with France and the UK leading the way in the innovation stakes. Wendy Atkins reports.
Personalise or perish
Retail banks’ communications with their customers are not as personal as they could be, all parties agree, according to the results of a recent survey. Banks must take radical steps to improve their use of different channels of communication.
Small wonders
Wendy Atkins reports on groundbreaking developments taking place in the world of consumer payments, including contactless mini cards.
With regulation comes opportunity
Charles Phillips, Oracle Corporation
Providing financial services firms with the systems maintenance support to cope with the demands of regulation is one of the many areas in which Oracle has proved itself a global leader. Alan Duerden reports.
Natives vs aliens
Meet the digital natives and understand why you can never become one of them (disclaimer: reading this might make you feel old, stupid or both). By Ola Ahlvarsson .
Sheep herding
Are the ‘irrational’ clients of Northern Rock the kind of customers rival banks should be opening their arms to, asks Joe DiVanna.
Cost of security is a bar to compliance
The common standard designed to limit the threat of security breaches in the card industry has met with a slow response. Some say that more details need ironing out. Stephen Timewell reports.
Payments industry gears up for games
Wendy Atkins reports on how payment card providers are preparing for the 2008 Beijing Olympics by ensuring that visitors can pay easily for all their needs.
Retail model nets cross sales success
By adopting practices more akin to the retail industry, two US banks are being hailed as models for boosting cross-sales rates. Tony Gandy reports on their winning formulae.
Dynamic channels to weigh up
In the third of The Banker’s regular series looking at retail banking in the future, Stephen Timewell examines the huge expansion of services and channels and how banks will cope.
The pros and cons
Global branding can bring many benefits to big multinationals, including client trust, cost savings and competitive advantage. But there are also dangers, including being seen as not having local relevance. Karina Robinson reports.
The payment card is king
The latest global trend for businesses to issue commercial payments cards is great news for issuers. Wendy Atkins reports.
Putting a face to the online banking revolution
In the second of our regular series looking at banking in the future, The Banker ponders what retail front and back offices will look like in 2015. Stephen Timewell explains the changes.
Competition and confusion
Interchange fees are a thorny issue at the best of times, and banks insisting on their necessity if innovation is to happen receive short shrift from consumers. Is there a happy medium? Wendy Atkins reports.
Peer-to-peer lending strives
Early results are promising, but whether the peer-to-peer lending models of online operators Zopa and Prosper can entice the risk-averse masses away from banks remains to be seen. Karina Robinson reports.
Wind in their sales
A survey concludes that maximising sales capacity and adviser effectiveness through the adoption of efficiency techniques can boost productivity in Europe’s bank branches. Stephen Timewell reports.
Big hitters reach out to the unbanked
Unbanked and underbanked populations of the world are in the sights of companies developing mobile-based banking services. Wendy Atkins reports on the latest services to be launched.
...coming soon to a bank near you
In the first of our quarterly 2015 series, The Banker takes a look at what retail banking will look like in eight years’ time. Stephen Timewell explains who the winners and losers will be.
Mobiles begin calling shots on banking and payments
The use of mobile phones for banking and payments is growing worldwide, nowhere more so than in the rural areas of countries untouched by traditional banking channels. Stephen Timewell and Wendy Atkins report.
A flavour for every taste in every place
As much as products and services are standardised, customers in different locations do not bank the same way. Joseph DiVanna explains the 10 regional attitudes to retail banking.
