October, 2011

The way banks have competed in the past has been on the basis of assets – how many branches, products, how many countries they operate in – even how big they are. But the rules of the game have changed. These capabilities are less important...

Baseball is the arguably the most hallowed game in America. Trying to redefine baseball is almost like trying to redesign the American flag. It’s practically sacrosanct. Since the 19 th century, a player’s performance has been determined...

Bankers at BAI this year seem to agree that bricks and mortar banking is here to stay, despite the growth in digital channels. But the role of the branch would be very different and more enabled by technology. What the bank branch of the future might...

For years the ATM channel has been taken for granted by the banking industry. The focus of innovation has been on other channels like mobile, but this is rapidly changing. Evidence presented at BAI 2011 by BBVA Compass suggested that ATMs are very important...

President Clinton’s keynote speech at BAI this week reminded that this is an exciting time to be living thanks to advances in technology, but the world remains unstable. Uncertainty seemed to be in the minds of many delegates to the BAI conference...

History tells us there are certain watershed moments. Banking is going through such a phase. After decades of building systems around products, the industry must now build technology around customers, and, in particular customer relationships. Also, the...