The enterprise transformation director at Lloyds Banking Group explains to Joy Macknight how building a diverse and flexible IT architecture will serve the UK bank well in the future. 

After initial trepidation, banks are now stampeding into the cloud. But what differentiates the large cloud providers? Joy Macknight talks to five global players to find out. 

Experimenting with emerging technologies and engaging with fintechs is how Commerzbank’s R&D unit aims to help deliver on the bank’s vision of becoming a digital enterprise, Michael Spitz, CEO of Main Incubator, tells Joy Macknight. 

Kirsty Rutter, chief innovation officer at Barclays UK, describes to Joy Macknight how the bank is using its fintech platform, Rise, to find the right start-ups with which to partner to deliver value to its business lines. 

The case for cash is being eroded by innovations in payments and wholly digital business models, yet physical banknotes and coins persist. Is there a future for physical monetary exchange? Joy Macknight investigates.

Ezequiel Szafir, the CEO of Openbank, talks to Joy Macknight about constructing Santander’s fully digital experiment from the ground up.

Developed countries that were early innovators are now finding it hard to disentangle from their (now established) innovations, and are being left standing by developing regions. By Chris Skinner.

The use of QR codes for payments has seen widespread take-up across emerging markets due to the low-tech, low-cost deployment. But will they conquer the developed markets? 

Replacing a core banking system is not for the faint of heart but Hungary's MKB Bank took on the challenge.