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December, 2010

  • Microsoft Business Talk

    The Retail Bank of the Future – redefining the role of branches

    • 0 Comments
    In an era when one in five relationships begins online, some have questioned the future of branches. According to one research firm, visits to branches are down by 20 percent since 2000. Consumers seem more enamored of smartphones then teller lines, as...
  • Microsoft Business Talk

    The Future ATM

    • 1 Comments
    We are experiencing a game changing leap in the technology of user interfaces. Virtual key pads touch screen technology, and, with Microsoft’s Kinect, commands driven by speech, gestures even emotions create a quantum leap in computing. In contrast...
  • Microsoft Business Talk

    Banking Outlook for 2011

    • 0 Comments
    The outlook for banking in 2011 remains challenging. The housing market remains weak, unemployment high and the recovery fragile. For retail and commercial banks this means continued pressure on portfolio quality and margins. For investment banks 2011...
  • Microsoft Business Talk

    Windows Phone 7 - a phone for the consumer and the enterprise

    • 0 Comments
    The new generation of smartphones has been very popular with consumers. As many consumers are also employees, financial institutions are trying to decide whether there is a fit for the enterprise. The new Windows Phone 7 is specifically designed for...
  • Microsoft Business Talk

    The Future of Research

    • 0 Comments
    Like many businesses research has reached an inflection point. Scientists, analysts and academics are amassing data at unprecedented rate. Thanks to the growing need for collaboration within and between disciplines huge amounts of data and content must...
  • Microsoft Business Talk

    Selling to a Market of One

    • 2 Comments
    Tougher markets encourage deeper, more profitable customer relationships. The need for banks to treat each of us as unique is becoming more important. Three technologies in particular are making selling to a market of one a practical option; digital marketing...
  • Microsoft Business Talk

    How Much Capital Does a Bank Really Need?

    • 0 Comments
    There is an ongoing debate in the financial servic industry about how much capital banks really need. Regulators seek higher rather than lower capital ratios. But if a bank’s risk management goes haywire, and it loses public confidence, no amount...
  • Microsoft Business Talk

    A Phenomenal Period of Disruption

    • 0 Comments
    The law of accelerated returns says the rate of technological growth is exponential. Instead of 100 years of technological growth in the 21 st century we might have 20,000 years of technological change in current technology year terms. This implies a...
  • Microsoft Business Talk

    Banking and Wiki Leaks – living in a more transparent society

    • 0 Comments
    Wiki Leaks may be the next systemic risk banks face. At a time when we must become more collaborative and share information, are we exposing ourselves to more risks? If so, what protection do we have? In a world of flash drives and file transfers, how...
  • Microsoft Business Talk

    Reflections on a Year of Change

    • 0 Comments
    2010 has been a game-changing year for technology. Slates, smartphones, 4G networks, user interfaces and cloud computing all captured headlines. We are living through an amazing period of disruption. While slates and smartphones capture our imagination...
  • Microsoft Business Talk

    Paperless Financial Services

    • 0 Comments
    When we think about the future of financial services, a paperless environment is a likely outcome. But transitioning from a paper based to a paperless i.e. electronic environment is not as easy as it looks. Here’s a lesson from the past. During...
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