Latest articles from Retail Banking

Barriers to change

April 5, 2004

While most banks know their core systems are overdue for replacement, the dual obstacles of high cost and high risk are preventing them from taking the plunge. 

Latin American banks court low income segments

March 3, 2004

Some of the big Latin American banks are concentrating on new retail products to attract the unbanked segment of the population and thus grow market share. Monica Campbell reports.
Now that many big foreign banks play a major role in Latin America’s financial system, the race is on to capture a bigger chunk of the market, including its evolving commercial marketplace. Although most banks still thirst for wealthy clients, they are also slowly recognising the potential of Latin America’s enormous unbanked population.

Branches aim for efficiency

March 3, 2004

The design of the modern bank branch is worlds apart from its more traditional predecessor in terms of layout, operational effectiveness, equipment and decor, says Michael Imeson.

Doha courts expats with step into CRM

February 3, 2004

With more than three-quarters of Qatar’s population come from overseas, Doha Bank is focusing on expatriate customers, says Parveen Bansal.
With energy needs expanding worldwide and oil prices remaining high, the Qatari economy is booming. Under the prudent leadership of His Highness Sheikh Hamad Ben Khalifa Al Thani, the state’s development strategy is focusing on diversification of the economy away from oil, toward extensive gas reserves and industrial expansion. Oil and natural gas revenues enable Qatar to have a per capita income not far below the leading industrial countries in western Europe.

Islamic Bank of Britain launch imminent

January 5, 2004

The financial sector is finally catching up with the demand for Islamic banking services. This year hopes to see the ground-breaking establishment of the IBB, which will cater to UK Muslims while also hoping to attract business from further afield.

Spanish behemoths court their clients

January 5, 2004

Spain’s two banking giants both suffered loss of market share after recent mergers. SCH’s Enrique García Candelas and BBVA’s Julio López talk to Karina Robinson about their new client-focused strategies, designed to gain lost ground.

Smart moves in the developing world

January 5, 2004

South African company Aplitec saw a gap in the payments market and devised a cheaper alternative to the EMV standard. Stuart Theobald explains how this upstart company has stolen a march on the global card giants.
Smart cards have heralded a technical revolution in payments systems across the globe. But the industry smart card standard Europay Mastercard Visa (EMV) is not without its challengers. One that has caught the attention of Visa particularly is a small South African IT company called Aplitec.

Battlefield in the branches

December 2, 2003

Many banks are turning their attention towards their branch networks in
the increasingly stiff competition for a bigger share of customers’
business, say Roy O’Neil and Chris Gentle.

Counter those teller problems

December 2, 2003

Until now customers have preferred to queue for tellers to make
deposits, rather than trust ATMs. But new technology is helping to
allay their fears and free up tellers for more profitable transactions.
Keith Taylor of NCR reports.

Makeover and make money

December 2, 2003

Branches are back in fashion. But they look different. They are being
redesigned to provide better customer service, increase revenue and cut
costs, writes Michael Imeson.

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