The European payments landscape is undergoing a period of dramatic transformation as regulatory, infrastructural and commercial pressures force Europe’s payment providers to invest colossal amounts of human and financial resources in new technological and compliance projects.Faced with SEPA, the PSD and UK Faster Payments, the transaction banking business has rarely been busier or more inflamed by competitive pressure.

Pressure to cut IT costs and improve efficiency will result in yet another push towards outsourcing and offshoring. Michelle Price speaks with Daniel Marovitz, head of product management and chief operating officer, technology and MIS, global corporate finance, Deutsche Bank, about the bank’s outsourcing strategy.

Cost-cutting will undoubtedly preoccupy IT decision-makers in coming months, but companies must take a long-term strategic view where IT resources are concerned. By Michelle Price.

Four distinct spending patterns are emerging from the turmoil: customer centricity; risk management and compliance; business operational efficiencies; and IT operational efficiencies, writes EMC’s marketing director, Ivan Fernandez.

Rabobank’s head of IT risk, Simon Calvert, talks about the bank’s project to revamp its credit risk management capability. Writer Michelle Price.

Many emerging market retail banks have overtaken Western rivals in terms of technological capability. But will this allow them to rival the Western players in their home markets? Writer Michelle Price.

Industrialist and Infosys chairman N R Narayana Murthy talks about the challenges that confront the Indian IT services sector, and the economy in general.

Current WTO negotiations are encouraging a negative trend towards bilateralism and regionalism.

The world of data distribution was transformed in April 2008 when two of the biggest names in the industry agreed to merge. So what are the implications of the merger on the competitive landscape? Writer Charlie Corbett.

European regulation in the securities services space is designed to foster competition, transparency, harmonisation of systems and reduction of costs. But is it achieving those goals? A top-level panel met to find out the answer and to discuss exciting developments such as new platforms and sources of liquidity. The debate was sponsored by Citi but independently edited by The Banker.