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Latest Special Reports - Strategy

Branch right-sizing in UK accelerates: the definitive RBI branch ranking

  • Author: Douglas Blakey
  • Published: 22 Feb 2017

More than one-in-four UK bank branches (26.3%) have been shuttered in the past five years and the new year has kicked off with more of the same.. read more

Is the British banking system institutionally racist?

  • Author: Patrick Brusnahan
  • Published: 1 Feb 2017

Recent research showed that black victims of fraud are more than twice as likely to be denied a refund by their bank as white customers.

Is this a blip or a sign of a greater problem?. read more

New UK payments model sets global standard

  • Author: Charles Wheeldon
  • Published: 19 Jan 2017

Industry reaction to the Payments Strategy Forum’s final findings has been positive, being hailed as an effective model to serve end users better, create healthier competition, and put consumers and corporates at the heart of the UK payments system. Charles Wheeldon takes a closer look at the implications. read more

BIM mobile money scheme leads the way in interoperable payments

  • Author: Robin Arnfield
  • Published: 12 Jan 2017

Peru’s BIM is providing the international banking and payments industries with a reference model for how the various stakeholders in a mobile money ecosystem can collaborate to build a nationwide, interoperable infrastructure. Robin Arnfield takes a closer look at the platform’s launch, strategy and ambitions. read more

Scandinavia strong, Italian woes and Barclays one to watch for 2017

  • Author: Douglas Blakey
  • Published: 4 Jan 2017

A mixed year for the sector but at the top of the pile, HSBC and Santander, the largest two European-headquartered banks have both enjoyed share price rises for the year to date of almost 25%.. read more

The Digital Banking Club: Can bots be bankers?

  • Author: Patrick Brusnahan
  • Published: 16 Dec 2016

As soon as new technology appears, the banking industry wonders if it can be applied to the financial sector. The latest additions are chatbots, which are AI-enabled messaging services. However, can these be utilised successfully? And will customers consider them to be a helpful addition? Patrick Brusnahan writes. read more

Scotiabank pips RBC to be top Canadian bank for digital sales functionality

  • Author: Robin Arnfield
  • Published: 12 Dec 2016

Scotiabank significantly upped its game in 2016 to top Forrester Research’s digital sales functionality rankings of Canada’s five biggest banks just ahead of long time leader RBC. Robin Arnfield talks to Forrester’s Alyson Clarke, Principal Analyst, eBusiness and Channel Strategy. read more

Contactless technology making waves

  • Author: Patrick Brusnahan
  • Published: 12 Dec 2016

According to Timetric research, the global contactless card transaction value will almost quadruple between 2016 and 2020, while the global mobile NFC transaction value will grow more than fivefold. Why is contactless affecting the payments world with so much vigour? Patrick Brusnahan takes a closer look. read more

Will Trump repeal Dodd-Frank and axe the CFPB?

  • Author: Robin Arnfield
  • Published: 12 Dec 2016

US President-elect Donald Trump has said he will repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act. As Dodd-Frank created the Consumer Financial Protection Bureau, the fate of the agency under the new Administration appears uncertain. US analysts discuss their views with Robin Arnfield. read more

As India’s cash crisis continues, digital may be the way forward

  • Author: Patrick Brusnahan
  • Published: 30 Nov 2016

The decision from the Indian government to cancel the legal tender of INR500 ($7.50) and INR1,000 denomination notes, in an effort to tackle the black money issue, has had widespread effects on the populace. Maybe it’s the perfect time to embrace the digital realm. Patrick Brusnahan investigates. read more

Can American banks put a price on loyalty?

  • Author: Robin Arnfield
  • Published: 25 Nov 2016

Top US banks such as Bank of America (BofA), Chase, Citi and Wells Fargo have been investing heavily in their credit card rewards programs to attract new cardholders and retain the loyalty of their existing customers. Robin Arnfield reports. read more

The millennial shift in Europe is real, but is it important?

  • Author: Patrick Brusnahan
  • Published: 24 Nov 2016

There are constant discussions on how to attract the millennial market. This has never been more prevalent as the millennial sector, roughly aged between 18 and 35, are now coming into the peak of their purchasing power and economic productivity. How can banks attract this bunch? Patrick Brusnahan reports. read more

Are millennials worth the attention?

  • Author: Douglas Blakey
  • Published: 22 Nov 2016

Pick a bank – just about any bank at random – and it will tell you how it is really committed to targeting the millennial segment.. read more

Fintech moving away from the fringes of the sector

  • Author: Patrick Brusnahan
  • Published: 21 Nov 2016

A constant debate within financial services is whether the stampede of emerging fintech companies is mere hype or a true form of disruption. Are they here to help banks or to replace them? What cannot be denied is that the fintech sector has come in hot, but just how hot? Patrick Brusnahan reports. read more

Yoma transformation accelerates

  • Author: Douglas Blakey
  • Published: 17 Nov 2016

Myanmar’s Yoma Bank has long enjoyed a local reputation for its investment in technology, resulting in an efficient branch network, remittances services and specialist SME services. As CEO Hal Bosher tells Douglas Blakey, its collaboration with Misys will expand its offerings and help the bank target new segments. read more

Brazilian banks embracing social media

  • Author: Patrick Brusnahan
  • Published: 20 Oct 2016

Brazil is a huge market with a large amount of potential. With a population of over 200 million people, there are still a startling 65 million people over the age of 15 that are unbanked. One of the ways Brazilian banks are looking to attract this market is through social media. Patrick Brusnahan writes. read more

How can the Internet of Things improve the banking experience?

  • Author: Patrick Brusnahan
  • Published: 13 Oct 2016

The Digital Banking Club’s latest debate, at the formidable Law Society HQ in London, honed in on the Internet of Things and how it could aid financial services. The discussion covered a number of trends, including payments, wearables and customer needs. Patrick Brusnahan reports. read more

RBC’s light-touch approach to City National a winning strategy

  • Author: Douglas Blakey
  • Published: 10 Oct 2016

It was RBC’s biggest ever takeover. In 2015, RBC paid $5.4bn to snap up the iconic City National Bank, the so-called “bank for the Hollywood stars”. Already, the deal is proving to be a winner for both banks. Douglas Blakey writes. read more

How do you turn customers into followers?

  • Author: Patrick Brusnahan
  • Published: 4 Oct 2016

Banks are still trying to crack the social media code. As the market continues its steady rise in popularity and relevance, banks are eager to exploit this direct avenue to their customers. However, it is not necessarily the easiest road. Patrick Brusnahan writes on RBI’s latest Twitter’s Top 60 financial institutions. read more

How closely do you watch your bank?

  • Author: Patrick Brusnahan
  • Published: 3 Oct 2016

Targeted marketing is the name of the game nowadays. While an institution could pay for advert space on television, it is difficult to know the right people are watching at the right time. One solution is YouTube. With the help of RBI’s YouTube Top 40, Patrick Brusnahan looks at banks’ use of the social media platform. read more

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