The UK banking industry is opening itself up to new entrants in the hope that this will stimulate greater competition in the market. The early signs are that innovative new players could be doing exactly that.

Deutsche Bank's Satvinder Singh explains how the financial crisis shaped his management ethics and how Deutsche is looking beyond the financial downturn with its ambitious strategy 2015+ plan.

The credit rating capabilities of peer-to-peer lending platform Zopa has proved to be more effective than those in many banks. Giles Andrews, the company's CEO, explains how the company has honed such technology and discusses the possibility of outsourcing it to banks.

US consumers may be calling for real-time payments, but progress has been slow, with the industry’s payments evolution only at ‘the end of the beginning’, according to the American Banking Association. 

Financial institutions are at the forefront of voice biometrics, applying the technology to virtual assistants, voice recognition software and increased security. 

HSBC’s Diane Reyes on the introduction of mobile technology in the payments division, the importance of building consensus within a team and the value of women’s career development. 

With its own digital labs and an accelerator programme for financial technology start-ups, Wells Fargo is one bank that can boast it is keeping pace with technology trendsetters such as Google and Apple. Jane Cooper looks at how the bank is integrating new technologies to provide a seamless customer service experience.

Transferring money across borders through traditional correspondent banking networks can be time consuming and expensive for both business and consumers. Chris Larsen, CEO of Ripple Labs, believes he has the solution in Ripple, his open-source payment and currency exchange system, which can integrate with banks’ existing networks.  

Unassuming, self-deprecating, modest, team-oriented… John Stumpf is not your average bank CEO, but his methods are having a hugely positive impact upon Wells Fargo. Jane Cooper speaks to him at his San Francisco office.

New players, new technology and new processes are changing the face of the financial services industry. Udayan Goyal, founder of Anthemis Group, is investing in the agents of this change – new service providers that are looking to take some of the value chain away from the banks.