<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet type='text/xsl' href='https://www.retailbankerinternational.com/wp-content/plugins/google-sitemap-generator/sitemap.xsl'?><!-- sitemap-generator-url='http://www.arnebrachhold.de' sitemap-generator-version='4.1.19' -->
<!-- generated-on='April 23, 2026 8:27 am' -->
<urlset xmlns:xsi='http://www.w3.org/2001/XMLSchema-instance' xsi:schemaLocation='http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd' xmlns='http://www.sitemaps.org/schemas/sitemap/0.9'>	<url>
		<loc>https://www.retailbankerinternational.com/news/doha-bank-secures-license-to-start-banking-operations-in-india-131213-4145246/</loc>
		<lastmod>2017-04-04T13:00:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/majority-of-mobile-banking-apps-are-weakly-built-configured-praetorian-research-131213-4145352/</loc>
		<lastmod>2017-04-04T13:00:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ulster-bank-hit-again-by-technology-failure-131213-4145406/</loc>
		<lastmod>2017-04-04T13:00:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/scotiabank-not-to-buy-retail-banks-in-us-says-ceo-131213-4145450/</loc>
		<lastmod>2017-04-04T13:00:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-selling-packaged-accounts-online-without-terms-and-conditions-4145808/</loc>
		<lastmod>2017-04-04T13:00:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/lloyds-banking-group-could-compensate-100000-customers-for-missold-products-4145183/</loc>
		<lastmod>2017-04-04T13:00:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/irish-unit-of-rbs-blighted-by-further-glitches-4145180/</loc>
		<lastmod>2017-04-04T13:00:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/federal-bank-launches-new-premium-savings-account-in-india-121213-4144756/</loc>
		<lastmod>2017-04-04T13:00:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bdo-xoom-join-forces-to-launch-instant-bank-deposit-service-121213-4144653/</loc>
		<lastmod>2017-04-04T13:00:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/scotiabank-bank-of-beijing-partner-to-meet-banking-needs-of-chinese-immigrants-to-canada-121213-4144638/</loc>
		<lastmod>2017-04-04T13:00:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/tcf-bank-to-realign-retail-banking-resources-to-drive-business-growth-121213-4144597/</loc>
		<lastmod>2017-04-04T13:00:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/uab-to-help-new-firms-at-dmcc-free-zone-open-bank-accounts-111213-4143806/</loc>
		<lastmod>2017-04-04T13:00:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/diebold-deploys-intelligent-powered-atms-for-bank-of-baroda-111213-4143865/</loc>
		<lastmod>2017-04-04T13:00:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/idealinvent-qsi-partner-to-launch-connectcore-datamatrice-in-philippines-111213-4143901/</loc>
		<lastmod>2017-04-04T13:00:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/allied-allies-with-hitachi-for-digital-strategy-4144505/</loc>
		<lastmod>2017-04-04T13:00:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/lloyds-fined-28m-over-incentive-schemes-serious-failings-4144499/</loc>
		<lastmod>2017-04-04T13:00:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-bails-out-of-boris-bike-scheme-4144496/</loc>
		<lastmod>2017-04-04T13:00:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/santander-signs-cooperation-deal-with-bos-to-acquire-8-equity-stake-111213-4143785/</loc>
		<lastmod>2017-04-04T13:00:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/tesco-bank-to-add-300-new-jobs-in-scotland-111213-4143834/</loc>
		<lastmod>2017-04-04T13:00:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hsbc-dismisses-rumours-of-uk-floatation-4143739/</loc>
		<lastmod>2017-04-04T13:00:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ulster-bank-postpones-appearance-before-northern-ireland-assembly-4143729/</loc>
		<lastmod>2017-04-04T13:00:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/westpac-splits-mortgage-rates-according-to-deposit-4143725/</loc>
		<lastmod>2017-04-04T13:00:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nab-to-move-four-million-customers-to-its-nextgen-platform-101213-4143275/</loc>
		<lastmod>2017-04-04T13:00:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/huntington-national-bank-plans-to-roll-out-new-mobile-cheque-deposit-app-report-101213-4143254/</loc>
		<lastmod>2017-04-04T13:00:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/lloyds-to-sell-21-stake-in-st-jamess-place-for-695m-101213-4143066/</loc>
		<lastmod>2017-04-04T13:00:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/current-account-switching-to-increase-halifax-customer-base-to-300000-in-2013-101213-4143128/</loc>
		<lastmod>2017-04-04T13:00:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/easy-solutions-launches-new-product-against-mobile-banking-risks-101213-4143170/</loc>
		<lastmod>2017-04-04T13:00:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/the-mobile-challenge-theres-still-a-long-way-to-go-4141592/</loc>
		<lastmod>2017-04-04T13:00:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/chinas-b2b-electronic-payments-will-reach-usd47bn-in-2013-4143025/</loc>
		<lastmod>2017-04-04T13:00:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/commercial-bank-of-qatar-becomes-bians-first-middle-eastern-member-4143023/</loc>
		<lastmod>2017-04-04T13:00:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sbi-chairman-inaugurates-27-all-woman-branches-4143022/</loc>
		<lastmod>2017-04-04T13:00:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/indias-uco-bank-making-a-tectonic-shift-from-wholesale-banking-to-retail-banking-4143017/</loc>
		<lastmod>2017-04-04T13:00:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fdic-orders-banesco-usa-to-improve-anti-laundering-controls-091213-4142406/</loc>
		<lastmod>2017-04-04T13:00:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/emirates-islamic-unveils-new-child-savings-account-091213-4142359/</loc>
		<lastmod>2017-04-04T13:00:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nab-plans-to-train-tellers-to-offer-lite-financial-advice-091213-4142337/</loc>
		<lastmod>2017-04-04T13:00:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbc-eliminates-1129-full-time-positionsreport-091213-4142309/</loc>
		<lastmod>2017-04-04T13:00:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hsbc-plans-to-establish-uk-retail-banking-arm-091213-4142305/</loc>
		<lastmod>2017-04-04T13:00:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/second-spell-of-downtime-in-a-week-for-natwest-and-rbs-4142245/</loc>
		<lastmod>2017-04-04T13:00:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/optimising-the-online-user-experience-4142168/</loc>
		<lastmod>2017-04-04T13:00:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/how-to-prevent-mobile-banking-fraud-during-the-holidays-4142151/</loc>
		<lastmod>2017-04-04T13:00:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/my-community-bank-selects-mambu-as-core-platform-061213-4141822/</loc>
		<lastmod>2017-04-04T13:00:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/myanmar-plans-granting-permission-to-foreign-banks-061213-4141674/</loc>
		<lastmod>2017-04-04T13:00:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/regulators-approve-fnb-and-bcsb-bancorp-merger-061213-4141768/</loc>
		<lastmod>2017-04-04T13:00:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/td-bank-q4-reported-net-income-rose-to-c162bn-061213-4141723/</loc>
		<lastmod>2017-04-04T13:00:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sbi-plans-to-develop-automated-system-to-trim-operational-costs-of-no-frills-accounts-061213-4141744/</loc>
		<lastmod>2017-04-04T13:00:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/celent-the-multichannel-mandate-4143651/</loc>
		<lastmod>2017-04-04T13:00:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bnp-paribas-to-buy-rabobanks-polish-arm-4141585/</loc>
		<lastmod>2017-04-04T13:00:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/sources-reveal-that-chiles-corp-banca-is-reaching-sale-agreement-4141573/</loc>
		<lastmod>2017-04-04T13:00:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/metro-bank-bids-for-3875m-investment-4141572/</loc>
		<lastmod>2017-04-04T13:00:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/metro-bank-would-focus-on-mobile-if-it-launched-today-4141546/</loc>
		<lastmod>2017-04-04T13:00:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/russias-nomos-agrees-to-acquire-2417-stake-in-otkritie-bank-051213-4141033/</loc>
		<lastmod>2017-04-04T13:00:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/lloyds-banking-group-launches-talking-atms-in-uk-051213-4140906/</loc>
		<lastmod>2017-04-04T13:00:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/banco-sabadell-plans-to-purchase-jgb-bank-in-miami-051213-4140944/</loc>
		<lastmod>2017-04-04T13:00:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bmo-eliminates-1000-jobs-in-fourth-quarter-to-slash-costs-051213-4140864/</loc>
		<lastmod>2017-04-04T13:00:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/the-five-fatal-mistakes-of-mobile-payments-4140778/</loc>
		<lastmod>2017-04-04T13:00:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/bank-readiness-hinges-on-multiple-factors-but-branch-experience-must-not-be-neglected-sungard-reports-4141584/</loc>
		<lastmod>2017-04-04T13:00:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/crackdown-on-borrowing-in-cyprus-takes-country-from-one-extreme-to-the-other-4140776/</loc>
		<lastmod>2017-04-04T13:00:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/banks-still-most-trusted-sector-in-terms-of-data-protection-4140773/</loc>
		<lastmod>2017-04-04T13:00:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/18bn-of-irish-government-bailout-to-be-repaid-by-bank-of-ireland-4140767/</loc>
		<lastmod>2017-04-04T13:00:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/less-than-half-of-uks-smallest-smes-happy-with-their-business-banking-4140455/</loc>
		<lastmod>2017-04-04T13:00:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/around-114bn-to-be-withdrawn-from-uk-atms-in-december-sainsburys-bank-041213-4140191/</loc>
		<lastmod>2017-04-04T13:00:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/banco-falabella-selects-atmulator-plus-for-atm-configuration-file-development-testing-041213-4140156/</loc>
		<lastmod>2017-04-04T13:00:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/otkrytie-bank-integrates-loan-application-system-with-sas-real-time-decision-manager-041213-4140137/</loc>
		<lastmod>2017-04-04T13:00:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/european-commission-to-fine-banks-over-libor-rate-rigging-scandal-041213-4140100/</loc>
		<lastmod>2017-04-04T13:00:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/one-fourth-of-brits-ready-to-switch-to-new-bank-over-technology-failure-fujitsu-survey-041213-4140071/</loc>
		<lastmod>2017-04-04T13:00:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/oberthur-technologies-and-mbank-partner-to-provide-branchless-mobile-banking-to-emerging-economies-4140041/</loc>
		<lastmod>2017-04-04T13:00:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/uk-government-tops-up-the-british-business-bank-to-support-sme-4140035/</loc>
		<lastmod>2017-04-04T13:00:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/suntrust-banks-unveils-new-banking-app-for-ipad-031213-4139638/</loc>
		<lastmod>2017-04-04T13:00:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-natwest-payment-system-crashes-in-uk-reports-031213-4139610/</loc>
		<lastmod>2017-04-04T13:00:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-africa-group-to-transform-retail-banking-business-division-031213-4139574/</loc>
		<lastmod>2017-04-04T13:00:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ncr-to-purchase-mobile-banking-solutions-provider-digital-insight-for-165bn-031213-4139548/</loc>
		<lastmod>2017-04-04T13:00:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/td-canada-trust-launches-new-atm-green-machines-031213-4139535/</loc>
		<lastmod>2017-04-04T13:00:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hedge-fund-creditor-sells-stake-in-uks-co-op-bank-4139526/</loc>
		<lastmod>2017-04-04T13:00:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/wizards-of-oz-the-big-four-banks-battle-it-out-for-digital-innovation-in-australia-4141577/</loc>
		<lastmod>2017-04-04T13:00:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/asb-to-launch-new-online-payment-system-4139510/</loc>
		<lastmod>2017-04-04T13:00:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/yorkshire-building-societys-website-redesign-catches-mobile-users-attention-4139463/</loc>
		<lastmod>2017-04-04T13:00:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/current-account-customers-lack-real-information-which-research-021213_4139278/</loc>
		<lastmod>2017-04-04T13:00:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bot-to-introduce-third-party-payment-service-for-online-banking-customers-021213_4139266/</loc>
		<lastmod>2017-04-04T13:00:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/standard-bank-mtn-swaziland-team-up-to-roll-out-new-mobile-banking-product-021213_4139254/</loc>
		<lastmod>2017-04-04T13:00:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/qnb-launches-new-banking-services-for-egyptian-expats-021213_4139137/</loc>
		<lastmod>2017-04-04T13:00:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mercantile-bank-grameenphone-sign-deal-to-offer-mobile-banking-services-021213_4139145/</loc>
		<lastmod>2017-04-04T13:00:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mashreq-adds-interactive-screens-to-its-e-cube-branches-4139525/</loc>
		<lastmod>2017-04-04T13:00:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/why-arent-we-all-using-mobile-cheque-deposit-4140772/</loc>
		<lastmod>2017-04-04T13:00:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/rbs-still-a-long-way-to-travel-4146008/</loc>
		<lastmod>2017-04-04T13:00:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/boe-pulls-plug-on-cheap-state-loans-to-banks-to-avoid-housing-crash/</loc>
		<lastmod>2017-04-04T13:00:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/credit-agricole-to-shut-down-50-branches-by-2015-report-281113/</loc>
		<lastmod>2017-04-04T13:00:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/citi-allows-thankyou-rewards-members-to-use-points-for-online-shopping-281113/</loc>
		<lastmod>2017-04-04T13:00:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/andhra-bank-boosts-retail-banking-presence-through-nextgen-branches-in-india-281113/</loc>
		<lastmod>2017-04-04T13:00:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ind-group-unveils-mobile-banking-app-essence-281113/</loc>
		<lastmod>2017-04-04T13:00:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-reputation-and-service-drive-customers-to-switch-current-accounts-report-281113/</loc>
		<lastmod>2017-04-04T13:00:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/tata-pulls-out-of-race-for-banking-license-281113/</loc>
		<lastmod>2017-04-04T13:00:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/are-pop-up-branches-the-future-of-the-channel-4141586/</loc>
		<lastmod>2017-04-04T13:00:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/mobile-banking-is-coming-to-glass-4140770/</loc>
		<lastmod>2017-04-04T13:00:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-may-be-investigated-by-fraud-watchdog/</loc>
		<lastmod>2017-04-04T13:00:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/gulf-investors-plan-to-establish-euro-zones-first-islamic-bank-in-luxembourg-reports-271113/</loc>
		<lastmod>2017-04-04T13:00:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/citi-guam-plans-to-cease-certain-retail-banking-services-271113/</loc>
		<lastmod>2017-04-04T13:00:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/allied-irish-bank-adopts-start-up-culture-for-technology-innovation-271113/</loc>
		<lastmod>2017-04-04T13:00:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hkab-recommends-best-practises-on-nfc-mobile-payment-271113/</loc>
		<lastmod>2017-04-04T13:00:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/uks-senior-bankers-likely-to-undergo-annual-competency-checks-271113/</loc>
		<lastmod>2017-04-04T13:00:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/nationwide-is-first-uk-bank-to-fully-roll-out-visas-digital-wallet-vme/</loc>
		<lastmod>2017-04-04T13:00:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/clifford-chance-will-examine-allegations-that-rbs-pumped-small-businesses-for-assets/</loc>
		<lastmod>2017-04-04T13:00:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/two-thirds-of-community-bankers-predict-ma-within-a-year-kpmg/</loc>
		<lastmod>2017-04-04T13:00:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/dutch-banking-association-oks-new-internet-fraud-guidelines-reports-261113/</loc>
		<lastmod>2017-04-04T13:00:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-launches-role-based-pay-scheme-to-account-for-eu-bonus-cap-rules-261113/</loc>
		<lastmod>2017-04-04T13:00:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ally-bank-adds-new-features-to-mobile-banking-app-261113/</loc>
		<lastmod>2017-04-04T13:00:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fnb-to-expand-retail-banking-business-to-ghana-and-nigeria-reports-261113/</loc>
		<lastmod>2017-04-04T13:00:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/oriental-bank-unveils-new-mobile-cheque-deposit-service-in-puerto-rico-261113/</loc>
		<lastmod>2017-04-04T13:00:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/lending-at-rbs-was-like-an-ae-ward-being-used-as-an-organ-harvesting-operation/</loc>
		<lastmod>2017-04-04T13:00:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/caps-are-coming-to-the-uk-payday-lenders/</loc>
		<lastmod>2017-04-04T13:00:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-selects-ncr-selfserv-atms-to-offer-convenient-banking-services-251113/</loc>
		<lastmod>2017-04-04T13:00:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/kenya-commercial-bank-pck-sign-payment-services-agreement-251113/</loc>
		<lastmod>2017-04-04T13:00:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/unity-bank-plans-to-open-50-branches-by-2014-reports-251113/</loc>
		<lastmod>2017-04-04T13:00:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-china-malaysia-opens-new-branch-251113/</loc>
		<lastmod>2017-04-04T13:00:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/around-1037-atms-closed-in-bangalore-india-over-poor-security-system-reports-251113/</loc>
		<lastmod>2017-04-04T13:00:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/fis-leads-fintech-100s-list-again-4141582/</loc>
		<lastmod>2017-04-04T13:00:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-to-cut-244-jobs-with-closure-of-ppi-claim-centre/</loc>
		<lastmod>2017-04-04T13:00:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-to-confront-seismic-shift-in-banking-with-move-away-from-branches/</loc>
		<lastmod>2017-04-04T13:01:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bbva-compass-launches-new-premium-current-account-and-three-savings-products-221113/</loc>
		<lastmod>2017-04-04T13:01:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hsbc-to-offer-two-fixed-rate-home-loans-under-help-to-buy-scheme-221113/</loc>
		<lastmod>2017-04-04T13:01:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/investor-adolfo-salume-mozido-team-up-to-implement-ecosystem-mobile-app-in-el-salvador-221113/</loc>
		<lastmod>2017-04-04T13:01:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-mandiri-aims-to-lure-one-million-new-customers-with-e-cash-product-in-2014-reports-221113/</loc>
		<lastmod>2017-04-04T13:01:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/metro-bank-launches-new-internet-banking-service-for-personal-customers-221113/</loc>
		<lastmod>2017-04-04T13:01:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/kbc-bank-reports-25-rise-in-customer-base-in-2013-211113/</loc>
		<lastmod>2017-04-04T13:01:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/khcb-reduces-profit-rates-of-its-consumer-finance-products-211113/</loc>
		<lastmod>2017-04-04T13:01:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/dbs-bank-plans-to-open-50-branches-in-india-211113/</loc>
		<lastmod>2017-04-04T13:01:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ecb-launches-new-mobile-banking-platform-gomobile-211113/</loc>
		<lastmod>2017-04-04T13:01:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/notable-improvements-seen-in-several-uk-banking-products-211113/</loc>
		<lastmod>2017-04-04T13:01:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ybs-group-undercuts-uk-governments-help-to-buy-scheme-with-new-mortgage-range/</loc>
		<lastmod>2017-04-04T13:01:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/gemalto-and-ibm-enhances-the-ebanking-security-platform/</loc>
		<lastmod>2017-04-04T13:01:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/skyline-financial-unveils-new-lending-brand-newleaf-201113/</loc>
		<lastmod>2017-04-04T13:01:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-bankers-evaluate-age-simulation-suits-to-better-serve-elderly-customers-201113/</loc>
		<lastmod>2017-04-04T13:01:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/leeds-building-society-launches-new-savings-account-offering-4-interest-201113/</loc>
		<lastmod>2017-04-04T13:01:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/doha-bank-opens-new-office-in-sharjah-uae-201113/</loc>
		<lastmod>2017-04-04T13:01:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hang-seng-bank-csl-partner-to-expand-mobile-payment-service-201113/</loc>
		<lastmod>2017-04-04T13:01:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-outage-provokes-twitterstorm/</loc>
		<lastmod>2017-04-04T13:01:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/why-are-consumers-cheating-on-their-banks/</loc>
		<lastmod>2017-04-04T13:01:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/otp-russia-and-tieto-partner-for-card-authorisation/</loc>
		<lastmod>2017-04-04T13:01:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/all-women-bank-chooses-fis-for-technology-platform/</loc>
		<lastmod>2017-04-04T13:01:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/most-banks-find-it-hard-to-gain-new-customers-bain-report-191113/</loc>
		<lastmod>2017-04-04T13:01:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/citi-closes-22-bank-branches-in-south-korea-reports-191113/</loc>
		<lastmod>2017-04-04T13:01:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nine-financial-institutions-select-fiservs-cleartouch-bank-platform-191113/</loc>
		<lastmod>2017-04-04T13:01:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mobile-banking-boosts-financial-awareness-among-new-zealanders-westpac-report-191113/</loc>
		<lastmod>2017-04-04T13:01:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fnb-rolls-out-mobile-banking-app-in-seven-african-nations-191113/</loc>
		<lastmod>2017-04-04T13:01:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ie-launch-smartwatch-banking-app/</loc>
		<lastmod>2017-04-04T13:01:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-scotland-becomes-dementia-friendly-bank/</loc>
		<lastmod>2017-04-04T13:01:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-and-barclays-to-drop-premium-rate-telephone-lines/</loc>
		<lastmod>2017-04-04T13:01:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/axis-bank-seeks-to-raise-fii-holding-to-62-181113/</loc>
		<lastmod>2017-04-04T13:01:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ge-plans-to-sell-20-stake-of-consumer-lending-business-through-ipo-181113/</loc>
		<lastmod>2017-04-04T13:01:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ncb-to-deploy-intelligent-banking-machines-at-its-35-branches-181113/</loc>
		<lastmod>2017-04-04T13:01:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/over-half-of-youth-of-uk-do-not-know-where-their-local-branch-is/</loc>
		<lastmod>2017-04-04T13:01:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nationwide-reports-155-rise-in-half-year-profits-due-to-7-day-switch-and-help-to-buy/</loc>
		<lastmod>2017-04-04T13:01:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/revenue-set-to-take-precedence-over-regulation-for-banks-in-2014/</loc>
		<lastmod>2017-04-04T13:01:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/tioga-franklin-deploys-data-centers-icore360-core-banking-software-151113/</loc>
		<lastmod>2017-04-04T13:01:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/first-gulf-bank-considers-expansion-into-new-foreign-markets-in-2014-151113/</loc>
		<lastmod>2017-04-04T13:01:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/backbase-adds-social-capabilities-to-customer-experience-platform-1511113/</loc>
		<lastmod>2017-04-04T13:01:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-queensland-plans-to-close-bank-branches-reports-151113/</loc>
		<lastmod>2017-04-04T13:01:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-to-cut-up-to-1700-jobs-at-uk-branches-151113/</loc>
		<lastmod>2017-04-04T13:01:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/research-shows-uk-banks-most-vulnerable-to-hacking/</loc>
		<lastmod>2017-04-04T13:01:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/belgian-state-to-sell-fortis-stake-to-bnp-paribas-for-325bn/</loc>
		<lastmod>2017-04-04T13:01:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/half-of-banks-struggling-to-grow-current-accounts-since-durbin/</loc>
		<lastmod>2017-04-04T13:01:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/study-shows-half-of-bank-customers-feel-undervalued-ipsos-mori/</loc>
		<lastmod>2017-04-04T13:01:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-sohar-implements-path-solutions-imal-platform-141113/</loc>
		<lastmod>2017-04-04T13:01:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/wing-lung-bank-seeks-to-expand-personal-unsecured-loan-portfolio-141113/</loc>
		<lastmod>2017-04-04T13:01:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/pnc-bank-to-install-surcharge-free-in-store-atms-at-sheetz-stores-141113/</loc>
		<lastmod>2017-04-04T13:01:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/woori-bank-plans-to-expand-retail-banking-business-in-indonesia-reports-141113/</loc>
		<lastmod>2017-04-04T13:01:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/southern-independent-bank-to-deploy-fiservs-premier-banking-platform-141113/</loc>
		<lastmod>2017-04-04T13:01:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/let-your-data-define-your-storage/</loc>
		<lastmod>2017-04-04T13:01:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/addressing-customer-convenience-with-instant-issuance-4141590/</loc>
		<lastmod>2017-04-04T13:01:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/the-three-second-rule-is-your-bank-rising-to-the-4g-challenge/</loc>
		<lastmod>2017-04-04T13:01:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/us-federal-judge-likely-to-approve-first-liberty-banks-25m-settlement-for-overdraft-charges/</loc>
		<lastmod>2017-04-04T13:01:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/kiwibank-to-face-class-action-over-unfair-penalty-fees-131113/</loc>
		<lastmod>2017-04-04T13:01:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/colonial-savings-chooses-fiservs-mortgage-servicing-platform-131113/</loc>
		<lastmod>2017-04-04T13:01:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/egypts-aibk-to-adopt-temenos-suite-of-banking-products-131113/</loc>
		<lastmod>2017-04-04T13:01:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/deutsche-bank-to-offer-max-bupas-health-insurance-products-131113/</loc>
		<lastmod>2017-04-04T13:01:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/usagencies-credit-union-to-integrate-geezeos-pfm-product-131113/</loc>
		<lastmod>2017-04-04T13:01:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/digital-banking-keep-threatening-traditional-full-service-banks-accenture/</loc>
		<lastmod>2017-04-04T13:01:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bian-and-the-open-group-launch-practical-guide-to-enterprise-architecture-in-banking/</loc>
		<lastmod>2017-04-04T13:01:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/standard-chartered-plans-to-sell-retail-banking-business-in-lebanon-reports-121113/</loc>
		<lastmod>2017-04-04T13:01:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hsbc-to-remove-unpaid-transaction-fees-on-personal-current-accounts-121113/</loc>
		<lastmod>2017-04-04T13:01:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/unicredit-to-deploy-diebold-cash-recycling-atms-121113/</loc>
		<lastmod>2017-04-04T13:01:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/firstbank-purchases-west-african-businesses-of-international-commercial-bank-121113/</loc>
		<lastmod>2017-04-04T13:01:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/gmc-introduces-new-customer-acquisition-app-for-banking-industry-121113/</loc>
		<lastmod>2017-04-04T13:01:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbc-to-bring-p2p-electronic-money-transfers-to-facebook-messenger-4144513/</loc>
		<lastmod>2017-04-04T13:00:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/maybank-singapore-launches-p2p-mobile-payment-service/</loc>
		<lastmod>2017-04-04T13:01:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rabobank-and-gd-to-roll-out-nfc-in-2014/</loc>
		<lastmod>2017-04-04T13:01:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/uk-governments-help-to-buy-scheme-is-success-say-rbs-and-halifax/</loc>
		<lastmod>2017-04-04T13:01:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/emirates-nbd-mobinil-partner-to-launch-new-mobile-payment-service-111113/</loc>
		<lastmod>2017-04-04T13:01:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/tsb-bank-deploys-realme-system-to-offer-online-services-111113/</loc>
		<lastmod>2017-04-04T13:01:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/allianz-bank-bulgaria-offers-mortgage-credits-without-prepayment-fee-111113/</loc>
		<lastmod>2017-04-04T13:01:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/us-government-seeks-8636m-compensation-from-boa-over-mortgage-fraud-111113/</loc>
		<lastmod>2017-04-04T13:01:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/capital-one-mobile-app-gives-users-the-choice-of-pattern-or-password/</loc>
		<lastmod>2017-04-04T13:01:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/bnl-launches-hello-bank/</loc>
		<lastmod>2017-04-04T13:01:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bbva-compass-offers-mobile-banking-apps-on-iphone-and-android-devices-081113/</loc>
		<lastmod>2017-04-04T13:01:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sac-federal-selects-fiservs-dna-account-processing-platform-081113/</loc>
		<lastmod>2017-04-04T13:01:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/evo-payments-to-acquire-66-stake-in-pko-bp-subsidiary-eservice-081113/</loc>
		<lastmod>2017-04-04T13:01:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-to-close-and-relocate-eight-bank-branches-to-asda-stores-in-uk-reports-081113/</loc>
		<lastmod>2017-04-04T13:01:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/aktia-bank-to-deploy-temenos-core-banking-system-081113/</loc>
		<lastmod>2017-04-04T13:01:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/former-deutsche-bank-unit-fined-for-ethnic-discrimination-in-us/</loc>
		<lastmod>2017-04-04T13:01:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ing-may-exit-state-rescue-early/</loc>
		<lastmod>2017-04-04T13:01:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/reserve-bank-of-india-levels-field-for-foreign-banks/</loc>
		<lastmod>2017-04-04T13:01:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/pc-financial-td-bank-team-up-to-launch-new-mobile-wallet-ugo-071113/</loc>
		<lastmod>2017-04-04T13:01:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/standard-chartered-opens-first-digital-branch-in-hong-kong-071113/</loc>
		<lastmod>2017-04-04T13:01:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/personal-loans-to-get-cheaper-in-uae-central-bank-governor-071113/</loc>
		<lastmod>2017-04-04T13:01:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/state-bank-of-india-raises-lending-rates-by-020-071113/</loc>
		<lastmod>2017-04-04T13:01:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/zions-bancorporation-to-deploy-tcs-bancs-for-core-banking-transformation-programme-071113/</loc>
		<lastmod>2017-04-04T13:01:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/an-engaging-investment-financial-services-and-the-benefits-of-mobile-for-better-customer-engagement-part-four/</loc>
		<lastmod>2017-04-04T13:01:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-india-enlists-aegis-for-crm/</loc>
		<lastmod>2017-04-04T13:01:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/victory-over-barclays-for-somali-remittance-service/</loc>
		<lastmod>2017-04-04T13:01:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ing-canada-rebrands-itself-tangerine/</loc>
		<lastmod>2017-04-04T13:01:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fiserv-redesigns-corillian-online-banking-platform-061113/</loc>
		<lastmod>2017-04-04T13:01:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/comarch-unveils-new-banking-solution-in-uk-061113/</loc>
		<lastmod>2017-04-04T13:01:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/first-commonwealth-bank-to-deploy-jack-henrys-silverlake-system-061113/</loc>
		<lastmod>2017-04-04T13:01:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/main-street-bank-to-open-new-retail-bank-branch-in-troy-michigan-061113/</loc>
		<lastmod>2017-04-04T13:01:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/smartphones-cannot-replace-bank-branches-gft-mobile-banking-study-061113/</loc>
		<lastmod>2017-04-04T13:01:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nedbank-south-africa-goes-green-with-new-branch/</loc>
		<lastmod>2017-04-04T13:01:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/lloyds-bank-introduces-cashback-on-current-account-spending-051113/</loc>
		<lastmod>2017-04-04T13:01:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nascoga-selects-geezeo-solutions-to-enhance-online-banking-051113/</loc>
		<lastmod>2017-04-04T13:01:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/new-lifetime-mortgage-outsourcing-service-debuts-in-uk-051113/</loc>
		<lastmod>2017-04-04T13:01:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/westpac-to-roll-out-new-mobile-banking-service-in-papua-new-guinea-051113/</loc>
		<lastmod>2017-04-04T13:01:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/co-operative-group-reveals-revised-rescue-plan-for-banking-arm-051113/</loc>
		<lastmod>2017-04-04T13:01:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/us-banks-ease-lending-standards-for-businesses-federal-reserve-survey-051113/</loc>
		<lastmod>2017-04-04T13:01:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/raiffeisen-and-sofort-ag-confirm-strategic-cooperation/</loc>
		<lastmod>2017-04-04T13:01:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/lodo-launches-d3-consumer-banking-platform/</loc>
		<lastmod>2017-04-04T13:01:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/m-commerce-start-up-zapp-to-target-20m-users-by-2017/</loc>
		<lastmod>2017-04-04T13:01:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/citibank-partners-with-3-hong-kong-in-mobile-wallet-launch/</loc>
		<lastmod>2017-04-04T13:01:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/has-multi-channel-had-its-day/</loc>
		<lastmod>2017-04-04T13:01:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/co-operative-bank-plans-to-cut-more-than-1000-banking-jobs-in-uk-041113/</loc>
		<lastmod>2017-04-04T13:01:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/two-degrees-mobile-ge-capital-begin-mobile-wallet-trial-041113/</loc>
		<lastmod>2017-04-04T13:01:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/westpac-to-launch-new-online-and-mobile-banking-platform-by-early-2014-041113/</loc>
		<lastmod>2017-04-04T13:01:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/maybank-expands-cambodian-network-by-opening-four-new-branches-041113/</loc>
		<lastmod>2017-04-04T13:01:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/commonwealth-bank-mastercard-partner-to-roll-out-new-online-payment-service-041113/</loc>
		<lastmod>2017-04-04T13:01:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fsgbank-launches-tablet-banking-app-for-ipad-and-android-devices-041113/</loc>
		<lastmod>2017-04-04T13:01:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mashreq-launches-e-cubed-retail-branch-concept-011113/</loc>
		<lastmod>2017-04-04T13:01:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/suntrust-to-cut-up-to-67-jobs-at-tampa-mortgage-division-011113/</loc>
		<lastmod>2017-04-04T13:01:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/national-bank-of-oman-selects-paragons-fastest-solution-011113/</loc>
		<lastmod>2017-04-04T13:01:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/credins-bank-chooses-profiles-fmsnext-to-manage-banking-operations-011113/</loc>
		<lastmod>2017-04-04T13:01:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-technique-deploys-oracle-solutions-to-boost-mobile-and-online-banking-011113/</loc>
		<lastmod>2017-04-04T13:01:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-atm-glitch-angers-customers/</loc>
		<lastmod>2017-04-04T13:01:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-to-swap-branches-for-automation/</loc>
		<lastmod>2017-04-04T13:01:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/cardlytics-and-lloyds-bank-team-up-on-targeted-offers/</loc>
		<lastmod>2017-04-04T13:01:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/danske-bank-pulls-the-plug-on-irish-retail-arm/</loc>
		<lastmod>2017-04-04T13:01:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/china-construction-bank-in-talks-to-buy-brazils-bicbanco/</loc>
		<lastmod>2017-04-04T13:01:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/consumer-debt-level-rises-in-canada-rbc-report-311013/</loc>
		<lastmod>2017-04-04T13:01:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bnp-paribas-submits-highest-bid-for-rabobanks-bank-bgz-unit-in-poland-report-311013/</loc>
		<lastmod>2017-04-04T13:01:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/islami-bank-bangladesh-deploys-new-electra-itx-series-platform-311013/</loc>
		<lastmod>2017-04-04T13:01:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/permanent-tsb-likely-to-sell-69bn-uk-mortgage-loans-in-2014-311013/</loc>
		<lastmod>2017-04-04T13:01:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/an-engaging-investment-financial-services-and-the-benefits-of-mobile-for-better-customer-engagement-part-three/</loc>
		<lastmod>2017-04-04T13:01:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/a-fifth-of-uks-seasonal-spend-fuelled-by-overdrafts-and-credit-cards-hsbc/</loc>
		<lastmod>2017-04-04T13:01:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/29102013-erste-group-savings-barometer-cee-savings-sentiment-turns-the-corner-online-banking-makes-big-leap/</loc>
		<lastmod>2017-04-04T13:01:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/uba-launches-new-current-account-to-perform-cot-free-transactions-301013/</loc>
		<lastmod>2017-04-04T13:01:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mortgage-approvals-in-uk-hit-five-year-high-to-almost-67000-in-september-301013/</loc>
		<lastmod>2017-04-04T13:01:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/berkshire-bank-cuts-66-jobs-and-plans-branch-closures-301013/</loc>
		<lastmod>2017-04-04T13:01:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/customers-bank-introduces-picture-pay-mobile-bill-payment-solution-301013/</loc>
		<lastmod>2017-04-04T13:01:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/dubai-islamic-bank-tps-collaborate-to-offer-remittance-disbursement-service-301013/</loc>
		<lastmod>2017-04-04T13:01:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/african-resonance-to-supply-ingenicos-new-payment-devices-to-standard-bank-301013/</loc>
		<lastmod>2017-04-04T13:01:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/dutch-rabobank-faces-1-bn-libor-settlement/</loc>
		<lastmod>2017-04-04T13:01:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/lloyds-bank-ppi-costs-to-rise-by-750m/</loc>
		<lastmod>2017-04-04T13:01:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/japanese-regulator-turns-spotlight-on-banks-links-with-gangsters/</loc>
		<lastmod>2017-04-04T13:01:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ecobank-implements-fundtechs-global-cash-management-solution-291013/</loc>
		<lastmod>2017-04-04T13:01:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/wolters-kluwer-financial-services-debuts-aml-solution-in-china-291013/</loc>
		<lastmod>2017-04-04T13:01:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/danske-bank-rolls-out-new-mobile-payment-service-in-lithuania-291013/</loc>
		<lastmod>2017-04-04T13:01:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/santander-bank-introduces-new-current-account-291013/</loc>
		<lastmod>2017-04-04T13:01:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-the-west-deploys-zafins-mirevenue-software-suite-291013/</loc>
		<lastmod>2017-04-04T13:01:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sovcombank-agrees-to-acquire-ge-money-bank-in-russia-291013/</loc>
		<lastmod>2017-04-04T13:01:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/us-bank-launches-mobile-photo-balance-transfer/</loc>
		<lastmod>2017-04-04T13:01:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/cbas-deposit-accounts-increase-to-211-million-cbk-data-281013/</loc>
		<lastmod>2017-04-04T13:01:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/equity-bank-paypal-partner-to-offer-new-services-in-kenya-281013/</loc>
		<lastmod>2017-04-04T13:01:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/macquarie-to-expand-into-home-mortgage-business-in-australia-281013/</loc>
		<lastmod>2017-04-04T13:01:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/india-to-issue-new-rules-governing-operation-of-foreign-banks-281013/</loc>
		<lastmod>2017-04-04T13:01:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/union-bank-of-nigeria-to-divest-interest-in-non-banking-subsidiaries-281013/</loc>
		<lastmod>2017-04-04T13:01:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/td-canada-trust-unveils-new-android-tablet-app-for-banking-251013/</loc>
		<lastmod>2017-04-04T13:01:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bofa-to-cut-4200-mortgage-jobs-251013/</loc>
		<lastmod>2017-04-04T13:01:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/country-survey-canada-mobile-payments/</loc>
		<lastmod>2017-04-04T13:01:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/european-central-bank-outlines-risks-from-late-migration-to-sepa-251013/</loc>
		<lastmod>2017-04-04T13:01:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-to-select-morgan-stanley-as-lead-underwriter-for-citizens-ipo-251013/</loc>
		<lastmod>2017-04-04T13:01:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/co-operative-bank-of-kenya-goes-live-on-misys-bankfusion/</loc>
		<lastmod>2017-04-04T13:01:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mortgage-and-credit-card-borrowing-on-the-increase-bba/</loc>
		<lastmod>2017-04-04T13:01:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/securities-exchange-commission-proposes-to-allow-sale-of-shares-through-crowdfunding/</loc>
		<lastmod>2017-04-04T13:01:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/all-in-one-place-how-banks-can-provide-customers-with-a-single-real-time-view-of-their-finances/</loc>
		<lastmod>2017-04-04T13:01:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/value-in-the-eye-of-the-consumer-fewer-financial-brands-feature-among-the-100-best-global-brands-in-2013/</loc>
		<lastmod>2017-04-04T13:01:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fuib-enlists-moneygram-for-money-transfer-service-in-ukraine/</loc>
		<lastmod>2017-04-04T13:01:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/swedish-bank-handelsbanken-q3-profit-increases-14-to-5676m-241013/</loc>
		<lastmod>2017-04-04T13:01:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/iberiabank-deploys-commercial-online-banking-systems-from-obs-241013/</loc>
		<lastmod>2017-04-04T13:01:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nordea-q3-net-profit-up-13-241013/</loc>
		<lastmod>2017-04-04T13:01:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/wells-fargo-updates-mobile-banking-app-241013/</loc>
		<lastmod>2017-04-04T13:01:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bremer-bank-selects-fis-solutions-to-enhance-digital-offerings-241013/</loc>
		<lastmod>2022-10-03T12:55:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/diebold-coughs-up-48m-in-legal-battle/</loc>
		<lastmod>2017-04-04T13:01:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/tinkoff-steps-up-to-the-russian-leaders/</loc>
		<lastmod>2017-04-04T13:01:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/crdit-mutuel-cic-group-announces-deal-with-welcome-real-time-over-marketing-solution/</loc>
		<lastmod>2022-04-27T09:32:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/metro-bank-reports-75-rise-in-customer-account-numbers-in-q3-231013/</loc>
		<lastmod>2017-04-04T13:01:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/credit-agricole-to-integrate-tango-litepos-into-global-payment-project-231013/</loc>
		<lastmod>2017-04-04T13:01:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/td-bank-not-looking-for-acquisition-in-us-says-ceo-ed-clark-231013/</loc>
		<lastmod>2017-04-04T13:01:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/tanzania-postal-bank-airtel-join-forces-to-offer-mobile-banking-services-231013/</loc>
		<lastmod>2017-04-04T13:01:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/us-regulators-assure-fair-lending-compliance-with-new-mortgage-rules-231013/</loc>
		<lastmod>2017-04-04T13:01:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/an-engaging-investment-financial-services-and-the-benefits-of-mobile-for-better-customer-engagement-part-two/</loc>
		<lastmod>2017-04-04T13:01:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/c-and-y-banks-launch-4-interest-current-account/</loc>
		<lastmod>2017-04-04T13:01:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/promise-of-quick-account-switch-fails-to-attract-big-numbers/</loc>
		<lastmod>2017-04-04T13:01:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/asian-banks-asian-demands/</loc>
		<lastmod>2017-04-04T13:01:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/merchant-funded-reward-programs-deliver-all-round-benefits/</loc>
		<lastmod>2017-04-04T13:01:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/in-the-competition-for-customer-loyalty-banks-turn-to-social-media/</loc>
		<lastmod>2017-04-04T13:01:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/global-banks-target-women-and-youth-to-boost-growth-in-the-banking-industry/</loc>
		<lastmod>2017-04-04T13:01:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/retail-banks-using-technology-to-drive-profitability-to-2020/</loc>
		<lastmod>2017-04-04T13:01:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/game-changer-for-mobile-payments-yet-to-come/</loc>
		<lastmod>2017-04-04T13:01:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/obs-to-introduce-new-messenger-mobile-tablet-app-221013/</loc>
		<lastmod>2017-04-04T13:01:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/wells-fargo-to-cut-77-mortgage-jobs-in-north-texas-221013/</loc>
		<lastmod>2017-04-04T13:01:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sberbank-unveils-new-consumer-loans-campaign-in-russia-221013/</loc>
		<lastmod>2017-04-04T13:01:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/moneygram-adds-cimb-bank-singapore-to-agent-network-221013/</loc>
		<lastmod>2017-04-04T13:01:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/creditors-seize-control-of-co-op-bank/</loc>
		<lastmod>2017-04-04T13:01:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/consumer-confidence-continues-to-rise-lloyds-bank-report-211013/</loc>
		<lastmod>2017-04-04T13:01:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/westpac-plans-to-move-83-australian-jobs-to-india-211013/</loc>
		<lastmod>2017-04-04T13:02:00+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/pepper-group-acquires-south-korean-mutual-savings-bank-211013/</loc>
		<lastmod>2017-04-04T13:02:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ibm-develops-two-factor-authentication-security-technology-for-mobile-transactions-211013/</loc>
		<lastmod>2017-04-04T13:02:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/commbank-sticks-to-innovation-with-new-pay-tag-app/</loc>
		<lastmod>2017-04-04T13:02:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/new-payments-platform-sparks-funding-worries-among-australian-banks/</loc>
		<lastmod>2017-04-04T13:02:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/efma-and-accenture-announce-winners-of-global-banking-distribution-and-marketing-innovation-awards/</loc>
		<lastmod>2017-04-04T13:02:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/kenyan-lender-nic-launches-new-mobile-banking-app-181013/</loc>
		<lastmod>2017-04-04T13:02:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mobile-banking-use-to-increase-in-ireland-ulster-bank-research-181013/</loc>
		<lastmod>2017-04-04T13:02:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/co-operative-bank-of-kenya-aurionpro-partner-to-provide-online-banking-services-181013/</loc>
		<lastmod>2017-04-04T13:02:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/a-short-term-perspective-could-leave-banks-counting-the-cost/</loc>
		<lastmod>2017-04-04T13:02:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/westpac-unveils-plans-for-smartwatch-app/</loc>
		<lastmod>2017-04-04T13:02:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/popularity-of-mobile-banking-in-the-us-surpasses-mail-and-landline/</loc>
		<lastmod>2017-04-04T13:02:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/diebold-to-roll-out-more-indoor-atms/</loc>
		<lastmod>2017-04-04T13:02:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/yorkshire-building-society-enlists-sungard-to-help-it-comply-with-regulatory-requirements/</loc>
		<lastmod>2017-04-04T13:02:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/automatia-and-ncr-join-forces-to-bring-finlands-atms-in-from-the-cold/</loc>
		<lastmod>2017-04-04T13:02:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-america-to-launch-kindle-tablet-app-on-amazoncom/</loc>
		<lastmod>2017-04-04T13:02:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/south-african-banks-in-massive-card-data-breach/</loc>
		<lastmod>2017-04-04T13:02:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/irish-budget-expected-to-deliver-new-levy-on-banks/</loc>
		<lastmod>2017-04-04T13:02:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/online-payments-in-india-reach-19-billion-as-e-commerce-takes-flight/</loc>
		<lastmod>2017-04-04T13:02:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/the-digital-banking-club-what-is-realistic-for-financial-services-companies-to-achieve-via-social-media-channels-webinar-report/</loc>
		<lastmod>2017-04-04T13:02:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/eastwest-bank-launches-prepaid-travel-money-card/</loc>
		<lastmod>2017-04-04T13:02:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/direct-banking-increasingly-popular-in-the-us-mintel/</loc>
		<lastmod>2017-04-04T13:02:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/td-and-rbs-refuse-to-comment-on-citizens-takeover-rumours/</loc>
		<lastmod>2017-04-04T13:02:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/the-reserve-bank-of-india-unveils-technical-committee-on-mobile-banking/</loc>
		<lastmod>2017-04-04T13:02:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/pnc-introduces-winows-8-virtual-wallet-app/</loc>
		<lastmod>2017-04-04T13:02:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/diebold-to-introduce-contactless-atms/</loc>
		<lastmod>2017-04-04T13:02:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sun-national-bank-launches-remote-cheque-deposit-scheme/</loc>
		<lastmod>2017-04-04T13:02:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/turkish-regulator-imposes-single-limit-on-credit-cards/</loc>
		<lastmod>2017-04-04T13:02:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/despite-credi-growth-credit-card-spending-remains-weak-in-us/</loc>
		<lastmod>2017-04-04T13:02:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nab-smart-store-relies-on-self-service-machines-instead-of-tellers/</loc>
		<lastmod>2017-04-04T13:02:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/monte-dei-paschi-aims-to-reach-900m-profit-by-2017/</loc>
		<lastmod>2017-04-04T13:02:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fis-launches-cloud-based-service-for-central-and-eastern-europe/</loc>
		<lastmod>2022-10-03T12:55:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/from-humble-beginnings-come-great-things-the-evolution-of-the-atm/</loc>
		<lastmod>2017-04-04T13:02:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/city-national-bank-announces-partnership-with-fis-over-cardless-atms/</loc>
		<lastmod>2017-04-04T13:02:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/vodafone-to-provide-mobile-money-service-in-goa/</loc>
		<lastmod>2017-04-04T13:02:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/plans-for-hampshire-community-bank/</loc>
		<lastmod>2017-04-04T13:02:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mastercard-adds-more-merchants-to-masterpass/</loc>
		<lastmod>2017-04-04T13:02:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/vtb-bank-sells-10s-stake-in-societe-generales-rosbank/</loc>
		<lastmod>2017-04-04T13:02:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/banks-take-on-riskier-loans-as-cash-payments-exclude-them-from-london-housing-market/</loc>
		<lastmod>2017-04-04T13:02:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/halifax-the-uks-most-visible-banking-website/</loc>
		<lastmod>2017-04-04T13:02:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/uk-banks-and-regulation-the-new-frontier/</loc>
		<lastmod>2017-04-04T13:02:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/an-engaging-investment-financial-services-and-the-benefits-of-mobile-for-better-customer-engagement/</loc>
		<lastmod>2017-04-04T13:02:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sterling-bank-issues-new-prepaid-cards/</loc>
		<lastmod>2017-04-04T13:02:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/alaric-announces-deal-with-china-bank-over-authentic-payment-switch-system/</loc>
		<lastmod>2017-04-04T13:02:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/voice-biometrics-key-to-fighting-fraud-opus-and-validsoft/</loc>
		<lastmod>2017-04-04T13:02:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/uk-payday-lenders-to-face-tougher-regulation-under-the-fca/</loc>
		<lastmod>2017-04-04T13:02:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/red-announces-deployment-of-atm-fraud-software/</loc>
		<lastmod>2017-04-04T13:02:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/nab-moves-to-amazon-cloud/</loc>
		<lastmod>2017-04-04T13:02:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bofa-to-roll-out-five-express-banking-centres/</loc>
		<lastmod>2017-04-04T13:02:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/cibc-issues-aventura-reward-cards/</loc>
		<lastmod>2017-04-04T13:02:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/axis-bank-upgrades-mobile-banking-app/</loc>
		<lastmod>2017-04-04T13:02:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/provident-bank-and-first-data-to-extend-partnership/</loc>
		<lastmod>2017-04-04T13:02:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/new-jersey-sun-national-bank-opts-for-pogo-mobile-payments/</loc>
		<lastmod>2017-04-04T13:02:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/st-george-bank-looks-to-wearable-tech-for-future-innovation/</loc>
		<lastmod>2017-04-04T13:02:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-muscat-launches-new-credit-card-with-oman-air/</loc>
		<lastmod>2017-04-04T13:02:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/asb-launches-business-banking-app/</loc>
		<lastmod>2017-04-04T13:02:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/financial-brands-struggle-to-make-the-cut-in-interbrands-best-global-brands-2013-but-card-issuers-outperform-competitors/</loc>
		<lastmod>2017-04-04T13:02:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/china-a-priority-for-citi-opens-first-shanghai-branch/</loc>
		<lastmod>2017-04-04T13:02:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/increasing-demand-for-cash-points-to-substantial-growth-to-hit-global-atm-market-rbr/</loc>
		<lastmod>2017-04-04T13:02:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/uae-banks-to-roll-out-direct-debit/</loc>
		<lastmod>2017-04-04T13:02:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/118-118-ventures-into-uk-consumer-loans-market/</loc>
		<lastmod>2017-04-04T13:02:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/payments-council-give-update-on-account-switching-service/</loc>
		<lastmod>2017-04-04T13:02:16+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-punjab-rolls-out-first-branded-credit-cards/</loc>
		<lastmod>2017-04-04T13:02:16+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/good-start-but-lets-not-get-carried-away/</loc>
		<lastmod>2017-04-04T13:02:16+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/santander-launches-combined-debit-and-student-id-card/</loc>
		<lastmod>2017-04-04T13:02:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/clydesdale-and-yorkshire-bank-fine-9m-by-regulator/</loc>
		<lastmod>2017-04-04T13:02:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nab-rolls-out-p2p-payments-app/</loc>
		<lastmod>2017-04-04T13:02:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bnz-uses-facial-recognition-software-to-uncover-new-zealanders-financial-feelings/</loc>
		<lastmod>2017-04-04T13:02:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/icici-bank-uses-facebook-for-mobile-payments/</loc>
		<lastmod>2017-04-04T13:02:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/a-la-carte-banking-pays-off-for-union-bank/</loc>
		<lastmod>2017-04-04T13:02:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/citi-to-slash-1000-jobs-mortgage-office/</loc>
		<lastmod>2017-04-04T13:02:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/lloyds-hits-uk-high-street-as-stand-alone-bank/</loc>
		<lastmod>2017-04-04T13:02:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/the-seven-day-switch/</loc>
		<lastmod>2017-04-04T13:02:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/grant-victor-unveils-atm-loyalty-programme/</loc>
		<lastmod>2017-04-04T13:02:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/emirates-nbd-and-manchester-united-in-co-branded-card-deal/</loc>
		<lastmod>2017-04-04T13:02:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/kenyas-standard-chartered-launches-m-payment-service/</loc>
		<lastmod>2017-04-04T13:02:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/florence-savings-bank-and-eft-source-offer-instant-issuance-debit-cards/</loc>
		<lastmod>2017-04-04T13:02:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bankdhofar-rolls-out-instant-card-issuance-service/</loc>
		<lastmod>2017-04-04T13:02:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/infosys-launches-universal-banking-solution/</loc>
		<lastmod>2017-04-04T13:02:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/royal-bank-of-scotland-could-face-42m-legal-bill/</loc>
		<lastmod>2017-04-04T13:02:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/first-gulf-bank-not-to-buy-barclays-uae/</loc>
		<lastmod>2017-04-04T13:02:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/french-banks-launch-e-wallet-to-rival-dominant-players/</loc>
		<lastmod>2017-04-04T13:02:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/mobile-banking-apps-take-centre-stage/</loc>
		<lastmod>2017-04-04T13:02:21+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-to-refund-300k-customers-at-100m-cost/</loc>
		<lastmod>2017-04-04T13:02:21+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/6-sale-of-lloyds-stock-raises-32bn-for-uk-treasury/</loc>
		<lastmod>2017-04-04T13:02:21+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/td-bank-to-buy-cibc-aeroplan-visa-credit-card-portfolio/</loc>
		<lastmod>2017-04-04T13:02:21+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/seven-day-switching-arrives-in-the-uk/</loc>
		<lastmod>2017-04-04T13:02:21+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/uk-switching-service-sees-small-lenders-take-on-the-big-four/</loc>
		<lastmod>2017-04-04T13:02:21+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mint-wireless-partners-with-bank-of-new-zealand-to-provide-mobile-payment-device/</loc>
		<lastmod>2017-04-04T13:02:21+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/german-customers-cool-and-calm-after-vodafone-hacker-steals-bank-details/</loc>
		<lastmod>2017-04-04T13:02:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fnb-south-africa-rolls-out-1250-automated-tellers/</loc>
		<lastmod>2017-04-04T13:02:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/icici-to-issue-500k-credit-cards-by-march-2014/</loc>
		<lastmod>2017-04-04T13:02:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/al-salam-bank-bahrain-and-bmi-bank-to-merge/</loc>
		<lastmod>2017-04-04T13:02:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/wells-fargo-expects-home-loans-to-drop-by-a-third/</loc>
		<lastmod>2017-04-04T13:02:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/for-banks-customer-data-is-the-new-king/</loc>
		<lastmod>2017-04-04T13:02:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/cyber-attacks-on-banks-beware-the-wolf-in-sheep-clothing/</loc>
		<lastmod>2017-04-04T13:02:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rotten-core-of-it-systems-will-cost-banks/</loc>
		<lastmod>2017-04-04T13:02:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/saudi-al-rajhi-bank-orders-560-diebold-atms/</loc>
		<lastmod>2017-04-04T13:02:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/malaysias-cimb-bank-launches-two-online-banking-features/</loc>
		<lastmod>2017-04-04T13:02:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/japans-jcbi-expands-businesses-in-bangladesh-cambodia-and-brazil/</loc>
		<lastmod>2017-04-04T13:02:25+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/cloud-computing-moves-to-the-fore/</loc>
		<lastmod>2017-04-04T13:02:25+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/datacard-to-provide-ecobank-with-in-branch-instant-issuance/</loc>
		<lastmod>2017-04-04T13:02:25+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/banking-trojan-targets-european-mobile-users/</loc>
		<lastmod>2017-04-04T13:02:25+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/produbanco-and-telefonica-movistar-launch-mastercard-credit-card/</loc>
		<lastmod>2017-04-04T13:02:25+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/instant-issuance-to-become-standard-in-us-banking/</loc>
		<lastmod>2017-04-04T13:02:25+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/tsb-launches-as-stand-alone-bank/</loc>
		<lastmod>2017-04-04T13:02:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sharpest-rise-on-record-for-uae-consumer-lending/</loc>
		<lastmod>2017-04-04T13:02:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ncr-launches-24-hour-branch-banking-in-southeast-asia/</loc>
		<lastmod>2017-04-04T13:02:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/selling-and-tracking-customer-data-its-not-personal/</loc>
		<lastmod>2017-04-04T13:02:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-bank-launches-your-bank-campaign/</loc>
		<lastmod>2017-04-04T13:02:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/predictive-software-lets-banks-use-customer-data-for-marketing/</loc>
		<lastmod>2017-04-04T13:02:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hsbc-oman-draws-savers-with-incentive-rewards/</loc>
		<lastmod>2017-04-04T13:02:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/reserve-bank-of-india-permits-cash-withdrawals-with-prepaid-cards-at-pos/</loc>
		<lastmod>2017-04-04T13:02:26+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/kbc-bank-ireland-launches-current-account/</loc>
		<lastmod>2017-04-04T13:02:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-to-sell-uae-retail-operations/</loc>
		<lastmod>2017-04-04T13:02:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/jordan-dubai-islamic-bank-adopts-microsoft-vdi-in-efficiency-bid/</loc>
		<lastmod>2017-04-04T13:02:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mashreq-rolls-out-snapp-to-non-bank-users/</loc>
		<lastmod>2017-04-04T13:02:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/huntington-bank-launches-consumer-credit-card/</loc>
		<lastmod>2017-04-04T13:02:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/naivas-and-chase-bank-kenya-launch-new-visa-prepaid-card/</loc>
		<lastmod>2017-04-04T13:02:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/black-hills-online-overhaul-sees-1600-sign-up-for-digital-banking/</loc>
		<lastmod>2024-07-25T09:38:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hsbc-pledges-to-offer-lowest-mortgages/</loc>
		<lastmod>2017-04-04T13:02:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/jaiz-bank-and-teasy-mobile-money-team-up-to-provide-mobile-banking-services/</loc>
		<lastmod>2017-04-04T13:02:30+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/anz-launches-corporate-banking-app-for-android/</loc>
		<lastmod>2017-04-04T13:02:30+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/siam-commercial-bank-chooses-bwise-to-deliver-grc-platform/</loc>
		<lastmod>2017-04-04T13:02:30+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hsbc-signs-deal-for-vodafone-to-cover-uk-staff/</loc>
		<lastmod>2017-04-04T13:02:30+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/rbi-ranks-facebooks-100-most-liked-financial-institutions/</loc>
		<lastmod>2017-04-04T13:02:30+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ukash-and-bank-machine-partner-to-offer-cardless-cash-at-atms/</loc>
		<lastmod>2017-04-04T13:02:30+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mashreq-bank-partners-with-mastercard-and-swiff-to-launch-mashreq-payport/</loc>
		<lastmod>2017-04-04T13:02:30+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/imperial-bank-and-arsenal-launch-debit-card-in-kenya-and-uganda/</loc>
		<lastmod>2017-04-04T13:02:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/first-national-bank-launches-cashless-touchscreen-atm-for-customers-in-rural-areas/</loc>
		<lastmod>2017-04-04T13:02:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/dutch-banks-debut-mobile-payments/</loc>
		<lastmod>2017-04-04T13:02:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/standard-bank-signs-five-year-deal-with-mastercard/</loc>
		<lastmod>2017-04-04T13:02:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/yorkshire-building-society-and-hp-team-up-to-deliver-cloud-based-services/</loc>
		<lastmod>2017-04-04T13:02:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/dubai-islamic-bank-is-first-of-kind-to-offer-visa-signature/</loc>
		<lastmod>2017-04-04T13:02:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/pnc-bank-completes-upgrade-of-7200-smart-atms/</loc>
		<lastmod>2017-04-04T13:02:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/caixabank-brings-first-spanish-made-point-of-sale-solution/</loc>
		<lastmod>2017-04-04T13:02:31+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/united-bank-of-india-to-launch-tea-credit-card/</loc>
		<lastmod>2017-04-04T13:02:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/co-op-bank-loses-709m-in-six-months-to-july/</loc>
		<lastmod>2017-04-04T13:02:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/halifax-customers-to-receive-up-to-15-cashback-on-the-high-street/</loc>
		<lastmod>2017-04-04T13:02:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/a-quarter-of-brits-at-risk-of-vishing-ffa-uk/</loc>
		<lastmod>2017-04-04T13:02:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/russias-trust-bank-predicts-profits-of-rub1-15bn/</loc>
		<lastmod>2017-04-04T13:02:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fiserv-announces-launch-of-application-service-provider-for-tablet-users/</loc>
		<lastmod>2017-04-04T13:02:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/umpqua-bank-opens-new-san-francisco-flagship-branch/</loc>
		<lastmod>2017-04-04T13:02:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/uks-fca-to-review-m-banking-security/</loc>
		<lastmod>2017-04-04T13:02:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fidelity-alternative-to-banks-deposits-up-46-from-last-year/</loc>
		<lastmod>2017-04-04T13:02:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/certusbank-redesigns-digital-platforms/</loc>
		<lastmod>2017-04-04T13:02:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/skye-bank-to-extend-retail-arm-in-deposit-reach/</loc>
		<lastmod>2017-04-04T13:02:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-america-reaches-million-mark-for-business-mobile-users/</loc>
		<lastmod>2017-04-04T13:02:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bottomline-takes-on-financial-messengers-sterci-and-simplex/</loc>
		<lastmod>2017-04-04T13:02:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/uab-introduces-free-banking-app/</loc>
		<lastmod>2017-04-04T13:02:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-could-quit-uae-after-review-of-retail-business/</loc>
		<lastmod>2017-04-04T13:02:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/britains-biggest-banks-to-pay-out-13bn-for-mis-sold-credit-card-insurance/</loc>
		<lastmod>2017-04-04T13:02:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/pnc-looks-to-frequent-flyers-with-credit-card-deal/</loc>
		<lastmod>2017-04-04T13:02:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/essex-bank-to-sell-4-branches-to-community-southern-bank/</loc>
		<lastmod>2017-04-04T13:02:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-leumi-to-invest-in-israeli-entrepreneurs/</loc>
		<lastmod>2017-04-04T13:02:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/natwest-turns-to-twitter-and-vine-in-student-campaign/</loc>
		<lastmod>2017-04-04T13:02:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/ing-and-alior-can-social-get-customers-cheering-for-their-bank/</loc>
		<lastmod>2017-04-04T13:02:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bahrain-based-ithmaar-bank-launches-youth-account/</loc>
		<lastmod>2017-04-04T13:02:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ec-approves-digital-wallet-team-up-in-spain/</loc>
		<lastmod>2017-04-04T13:02:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/cobank-challenges-gobank-app-name-for-causing-confusion/</loc>
		<lastmod>2017-04-04T13:02:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/date-announced-for-uk-account-switching-service/</loc>
		<lastmod>2017-04-04T13:02:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/capital-bank-expands-auto-deposit-atm-offering/</loc>
		<lastmod>2017-04-04T13:02:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/splitting-out-banks-the-good-the-bad-and-the-risky/</loc>
		<lastmod>2017-04-04T13:02:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/wall-street-finance-announces-bdo-as-newest-partner/</loc>
		<lastmod>2017-04-04T13:02:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/costs-would-outweigh-benefits-of-an-rbs-split-says-ratings-agency-fitch/</loc>
		<lastmod>2017-04-04T13:02:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/what-banks-could-learn-from-men-who-build-rockets/</loc>
		<lastmod>2017-04-04T13:02:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/chiles-corpbanca-takes-over-colombias-helm-bank/</loc>
		<lastmod>2017-04-04T13:02:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/chase-opts-for-isis-mobile-wallet/</loc>
		<lastmod>2017-04-04T13:02:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/santander-and-movistar-launch-nfc-m-payments-pilot-in-chile/</loc>
		<lastmod>2017-04-04T13:02:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/aktia-opts-for-sungard-for-basel-iii-compliance/</loc>
		<lastmod>2017-04-04T13:02:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/branch-beats-mobile-for-us-consumers-in-bbva-banking-report/</loc>
		<lastmod>2013-08-11T00:00:00+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mashreq-expands-e-cube-concept-branch/</loc>
		<lastmod>2017-04-04T13:02:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-expands-features-of-pingit/</loc>
		<lastmod>2017-04-04T13:02:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-scotland-fined-for-sending-customer-details-to-wrong-numbers/</loc>
		<lastmod>2017-04-04T13:02:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/united-arab-bank-extends-customer-loyalty-program/</loc>
		<lastmod>2017-04-04T13:02:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/mobile-banking-where-time-stands-still/</loc>
		<lastmod>2017-04-04T13:02:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hsbc-could-pay-us-regulator-up-to-16bn-in-damages/</loc>
		<lastmod>2017-04-04T13:02:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/diebold-ramps-up-uk-operations/</loc>
		<lastmod>2017-04-04T13:02:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/efma-and-accenture-launch-distribution-and-marketing-innovation-awards-for-retail-banks/</loc>
		<lastmod>2017-04-04T13:02:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/applications-open-for-fintech-innovation-lab-london/</loc>
		<lastmod>2017-04-04T13:02:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/french-banks-ramp-up-digital-investment/</loc>
		<lastmod>2017-04-04T13:03:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/pnc-opens-portable-pop-up-branch-in-us/</loc>
		<lastmod>2017-04-04T13:02:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclaycard-launches-its-first-social-media-campaign/</loc>
		<lastmod>2017-04-04T13:02:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/paperless-planned-for-60-african-branches-by-absa/</loc>
		<lastmod>2017-04-04T13:02:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/westpac-goes-offline-for-8-hours/</loc>
		<lastmod>2017-04-04T13:02:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/visa-takes-top-spot-in-rbis-2013-facebook-ranking/</loc>
		<lastmod>2017-04-04T13:02:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/byod-scales-new-heights/</loc>
		<lastmod>2017-04-04T13:02:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/anz-extends-mobile-banking-to-unbanked-and-underbanked-consumers-in-4-pacific-nations/</loc>
		<lastmod>2017-04-04T13:02:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/consumers-want-help-from-banks-to-improve-mobile-lifestyles/</loc>
		<lastmod>2017-04-04T13:02:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-to-raise-58bn-to-shore-up-capital/</loc>
		<lastmod>2017-04-04T13:02:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sterling-bank-ramps-up-digital-offering-agrees-deal-with-fis/</loc>
		<lastmod>2017-04-04T13:02:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/absa-launches-shariah-compliant-cheque-bundle-account/</loc>
		<lastmod>2017-04-04T13:02:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/pan-american-bank-continues-to-help-lawful-residents-become-citizens/</loc>
		<lastmod>2017-04-04T13:02:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ally-bank-reaches-40bn-retail-deposits/</loc>
		<lastmod>2017-04-04T13:02:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/santander-to-rebrand-us-subsidiary-sovereign/</loc>
		<lastmod>2017-04-04T13:02:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/new-zealands-westpac-bank-to-crowdsource-mobile-banking-apps/</loc>
		<lastmod>2017-04-04T13:02:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/community-banks-fail-to-embrace-m-banking-bluepoint-solutions/</loc>
		<lastmod>2017-04-04T13:02:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/is-facial-recognition-the-future-of-biometrics/</loc>
		<lastmod>2017-04-04T13:02:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/braintree-collaborates-with-simple-to-offer-one-touch-mobile-banking-with-venmo-touch/</loc>
		<lastmod>2017-04-04T13:02:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mastercard-appoints-m2m-sps-as-partner-to-increase-card-acceptance-in-morocco/</loc>
		<lastmod>2017-04-04T13:02:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/global-banks-take-short-term-view-with-risk-management-priorities-sungard/</loc>
		<lastmod>2017-04-04T13:02:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/uks-payments-council-announces-the-33-banks-in-account-switching-service/</loc>
		<lastmod>2017-04-04T13:02:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/unicredit-and-ibm-make-billion-dollar-deal/</loc>
		<lastmod>2017-04-04T13:02:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/icici-team-up-with-movida-on-mobile-payments/</loc>
		<lastmod>2017-04-04T13:02:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/chinas-sina-to-launch-online-banking-service/</loc>
		<lastmod>2017-04-04T13:02:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/incoming-idbi-chief-plans-india-retail-expansion/</loc>
		<lastmod>2017-04-04T13:02:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/voice-recognition-payments-offered-at-us-bank/</loc>
		<lastmod>2017-04-04T13:02:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/citi-failed-to-protect-customer-data-in-oversight/</loc>
		<lastmod>2017-04-04T13:02:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbc-unveils-secure-cloud-mobile-payments-service/</loc>
		<lastmod>2017-04-04T13:02:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/deutsche-bank-brings-cashback-loyalty-scheme-to-india/</loc>
		<lastmod>2017-04-04T13:02:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ahli-bank-qatar-starts-growth-plan-with-fee-free-ramadan/</loc>
		<lastmod>2017-04-04T13:02:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/glitch-at-national-australia-bank-prompts-atm-warning-system/</loc>
		<lastmod>2017-04-04T13:02:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/indias-inaugural-all-women-bank-to-launch-in-november/</loc>
		<lastmod>2017-04-04T13:02:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/multi-channel-consistency-key-to-driving-revenue-from-loyalty/</loc>
		<lastmod>2017-04-04T13:02:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/vodafone-and-icici-bank-continue-roll-out-of-m-pesa-in-india/</loc>
		<lastmod>2017-04-04T13:02:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/socgen-rolls-out-contactless-payment-service-with-oberthur/</loc>
		<lastmod>2017-04-04T13:02:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/simple-turns-one-year-old-with-40k-customers/</loc>
		<lastmod>2017-04-04T13:02:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/cb-bank-to-be-first-to-issue-visa-and-mastercard-cards-in-myanmar/</loc>
		<lastmod>2017-04-04T13:02:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/gd-solution-allows-bankdhofar-to-issue-cards-instantly/</loc>
		<lastmod>2017-04-04T13:02:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/jordan-islamic-bank-chooses-aastra-call-centre-tech/</loc>
		<lastmod>2017-04-04T13:02:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/personalised-debit-card-to-be-launched-by-uba/</loc>
		<lastmod>2017-04-04T13:02:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/otp-bank-pilots-digital-wallet-in-hungary/</loc>
		<lastmod>2017-04-04T13:02:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hdfc-bank-offers-credit-cards-in-rural-india/</loc>
		<lastmod>2017-04-04T13:02:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/co-op-ends-15-customer-complaint-payout/</loc>
		<lastmod>2017-04-04T13:02:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/indias-axis-bank-opens-retail-banking-subsidiary-in-uk/</loc>
		<lastmod>2017-04-04T13:02:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/lloyds-outsources-customer-communications-in-decade-long-deal/</loc>
		<lastmod>2017-04-04T13:02:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/social-media-tool-for-banks-launched-by-tech-brand-temenos/</loc>
		<lastmod>2017-04-04T13:02:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hsbc-signs-five-year-deal-with-visa/</loc>
		<lastmod>2017-04-04T13:03:00+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/generations-bank-mygenmobile-doubles-expected-growth/</loc>
		<lastmod>2017-04-04T13:03:00+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/mbank-one-brand-for-poland/</loc>
		<lastmod>2017-04-04T13:03:00+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mobile-banking-app-released-by-mashreq-qatar/</loc>
		<lastmod>2017-04-04T13:03:00+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/not-a-bot-at-bofa-just-what-social-banking-looks-like/</loc>
		<lastmod>2017-04-04T13:03:00+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mybank-goes-live-in-23-financial-institutions/</loc>
		<lastmod>2017-04-04T13:03:00+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/kbc-bank-selects-tsys-for-debit-payment-services-in-ireland/</loc>
		<lastmod>2017-04-04T13:03:00+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/eastwest-bank-selects-hp-for-private-cloud-to-replace-legacy-system/</loc>
		<lastmod>2017-04-04T13:03:01+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hong-kong-banks-unveil-new-credit-cards-for-the-summer/</loc>
		<lastmod>2017-04-04T13:03:01+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/absa-align-with-global-vision-in-2013/</loc>
		<lastmod>2017-04-04T13:03:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/research/wstenrot-adds-targeted-shopping-deals-to-online-banking/</loc>
		<lastmod>2017-04-04T13:03:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hsbc-to-cease-retail-banking-in-south-korea/</loc>
		<lastmod>2017-04-04T13:03:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/polish-banks-team-up-for-mobile-payment-system/</loc>
		<lastmod>2017-04-04T13:03:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/branch-beats-mobile-for-us-consumers-in-bbva-banking-report-2/</loc>
		<lastmod>2017-04-04T13:03:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hang-seng-launches-smartphone-payment-app-in-hong-kong/</loc>
		<lastmod>2017-04-04T13:03:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/community-banks-in-us-petition-for-fee-free-accounts/</loc>
		<lastmod>2017-04-04T13:03:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/british-consumers-support-us-style-cheque-deposit-app-survey-finds/</loc>
		<lastmod>2017-04-04T13:03:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bbva-bancomer-in-11m-security-deall/</loc>
		<lastmod>2017-04-04T13:16:16+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/us-banks-collaborate-to-bring-digital-banking-security-boost/</loc>
		<lastmod>2017-04-04T13:03:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/cibc-reveals-innovative-concept-branch/</loc>
		<lastmod>2017-04-04T13:03:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ulster-bank-will-cut-jobs-and-close-branches-to-return-to-profit-by-2016/</loc>
		<lastmod>2017-04-04T13:03:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mobile-banking-gives-european-consumers-more-control-over-spending-ing/</loc>
		<lastmod>2017-04-04T13:03:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/metbank-collaborates-with-mastercard-to-introduce-emv-debit-cards-in-zimbabwe/</loc>
		<lastmod>2017-04-04T13:03:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/intuit-to-sell-ifs-division-for-1bn/</loc>
		<lastmod>2017-04-04T13:03:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/jordan-ahli-bank-selects-ibm-for-banking-software/</loc>
		<lastmod>2017-04-04T13:03:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/reserve-bank-of-india-receives-26-applications-for-licences/</loc>
		<lastmod>2017-04-04T13:03:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/citigroup-sells-retail-banking-operations-in-uruguay/</loc>
		<lastmod>2017-04-04T13:03:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/could-digital-banking-be-the-saviour-of-the-branch/</loc>
		<lastmod>2017-04-04T13:03:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/rbi-awards-the-winnners/</loc>
		<lastmod>2017-04-04T13:03:05+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/airdrie-savings-bank-targets-payday-lenders/</loc>
		<lastmod>2017-04-04T13:03:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/dnb-argues-against-cashless-future/</loc>
		<lastmod>2017-04-04T13:03:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/akbank-launches-online-video-banking/</loc>
		<lastmod>2017-04-04T13:03:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/processing-platform-from-fiserv-selected-by-greater-nevada-credit-union/</loc>
		<lastmod>2017-04-04T13:03:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/loyalty-is-the-biggest-challenge-for-banks-in-2013-temenos-and-deloitte/</loc>
		<lastmod>2017-04-04T13:03:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/customers-happy-swapping-personal-data-for-benefits-infosys/</loc>
		<lastmod>2017-04-04T13:03:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/lloyds-bank-makes-deal-with-monitise/</loc>
		<lastmod>2017-04-04T13:03:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/gobank-moves-to-the-mass-market/</loc>
		<lastmod>2017-04-04T13:03:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/wells-fargo-launches-text-receipts-at-12000-atms/</loc>
		<lastmod>2017-04-04T13:03:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/indias-icici-bank-plans-foreign-and-home-expansion/</loc>
		<lastmod>2022-09-06T12:59:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-to-sell-customers-data-from-autumn-2013/</loc>
		<lastmod>2017-04-04T13:03:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/unicredit-replaces-its-atms-with-wincor-nixdorfs-cineo-generation/</loc>
		<lastmod>2017-04-04T13:03:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/kbank-to-launch-personalised-atms/</loc>
		<lastmod>2017-04-04T13:03:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/vietinbank-selects-yalamanchilis-payment-processing-software-for-prepaid-card/</loc>
		<lastmod>2017-04-04T13:03:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/prepaid-cards-to-top-800bn-by-2017/</loc>
		<lastmod>2017-04-04T13:03:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/banco-sabadells-banking-app-becomes-mobile-to-mobile-cash-payment-system/</loc>
		<lastmod>2017-04-04T13:03:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/lloyds-will-return-to-the-private-sector-says-uk-chancellor/</loc>
		<lastmod>2017-04-04T13:03:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/axis-bank-opens-its-2000th-outlet/</loc>
		<lastmod>2017-04-04T13:03:10+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/uk-bankers-should-face-tougher-penalties-advises-report/</loc>
		<lastmod>2017-04-04T13:03:10+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/anz-bank-sued-over-unfair-penalty-fees/</loc>
		<lastmod>2017-04-04T13:03:10+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/absa-launches-easy-access-savings-account/</loc>
		<lastmod>2017-04-04T13:03:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ing-canada-launch-remote-cheque-deposit-feature/</loc>
		<lastmod>2017-04-04T13:03:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mountain-america-introduce-technology-champions-into-branches/</loc>
		<lastmod>2017-04-04T13:03:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/co-op-to-offer-shares-to-plug-15bn-hole/</loc>
		<lastmod>2017-04-04T13:03:12+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-launch-online-money-management-tools/</loc>
		<lastmod>2017-04-04T13:03:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/are-you-omniscient-about-omni-channel-banking/</loc>
		<lastmod>2017-04-04T13:03:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/getin-bank-rolls-out-fingerprint-biometrics-in-branches/</loc>
		<lastmod>2017-04-04T13:03:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-reveals-more-job-cuts-as-boss-quits/</loc>
		<lastmod>2017-04-04T13:03:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/commbank-launch-online-support-forum/</loc>
		<lastmod>2017-04-04T13:03:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/us-banks-profit-from-debit-card-overdraft-fees/</loc>
		<lastmod>2017-04-04T13:03:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/absa-unveils-paperless-branch-in-johannesburg/</loc>
		<lastmod>2017-04-04T13:03:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/emirates-nbd-acquire-bnp-paribas-sae-majority-share/</loc>
		<lastmod>2017-04-04T13:03:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/banco-santander-invests-in-izettle/</loc>
		<lastmod>2017-04-04T13:03:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/benefits-culture/</loc>
		<lastmod>2017-04-04T13:03:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/metro-banks-lending-increases-but-remains-far-behind-deposits/</loc>
		<lastmod>2017-04-04T13:03:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/banks-embrace-mobile-wallets/</loc>
		<lastmod>2017-04-04T13:03:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/crdit-agricole-posts-q2-results-early-by-mistake/</loc>
		<lastmod>2017-04-04T13:02:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nationwide-to-deploy-ncr-solution/</loc>
		<lastmod>2017-04-04T13:03:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fragmented-regulation-could-hold-nfc-back-warns-acma/</loc>
		<lastmod>2017-04-04T13:03:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/zuno-bank-shifts-its-lending-up-a-gear/</loc>
		<lastmod>2017-04-04T13:03:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/us-to-witness-dramatic-bank-branch-reduction-celent/</loc>
		<lastmod>2013-06-07T00:00:00+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/absa-offers-rewards-via-mobile/</loc>
		<lastmod>2017-04-04T13:03:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/danish-banks-look-to-m-banking-for-future-revenue/</loc>
		<lastmod>2017-04-04T13:03:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/challenger-bank-revolution/</loc>
		<lastmod>2017-04-04T13:03:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/sustainable-banking-a-model-in-transition/</loc>
		<lastmod>2017-04-04T13:03:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/global-banks-brand-values-bounce-back/</loc>
		<lastmod>2017-04-04T13:03:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/has-social-media-marketing-peaked/</loc>
		<lastmod>2017-04-04T13:03:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/temenos-takes-aim-on-us-market/</loc>
		<lastmod>2017-04-04T13:03:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/bnpp-scoop-top-award-rbc-and-santander-double-winners/</loc>
		<lastmod>2017-04-04T13:03:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/umpqua-bank-acquires-finpac/</loc>
		<lastmod>2017-04-04T13:03:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/first-bank-of-nigeria-shuts-down-its-branch-network/</loc>
		<lastmod>2017-04-04T13:03:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/california-bank-trust-upgrades-online-platform-launches-ipad-app/</loc>
		<lastmod>2017-04-04T13:03:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fis-security-attack-more-severe-than-originally-reported/</loc>
		<lastmod>2017-04-04T13:03:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/cheque-depositing-via-mobile-devices-sees-significant-increase-in-the-us-swacha/</loc>
		<lastmod>2017-04-04T13:03:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/conestoga-grows-video-atm-network/</loc>
		<lastmod>2017-04-04T13:03:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/airdrie-launches-short-term-loans-for-existing-customers/</loc>
		<lastmod>2017-04-04T13:03:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/facebook-poll-by-commbank-shows-customer-views-on-netbank/</loc>
		<lastmod>2017-04-04T13:03:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/augmented-reality-in-fs-got-your-goggles/</loc>
		<lastmod>2017-04-04T13:03:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/caixabank-santander-and-telefonica-launch-joint-technology-venture/</loc>
		<lastmod>2017-04-04T13:03:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/banks-use-of-social-media-slows-efma-and-wipro/</loc>
		<lastmod>2017-04-04T13:03:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/customer-complaints-on-paid-accounts-rise-by-92-in-uk/</loc>
		<lastmod>2017-04-04T13:03:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ulster-bank-to-introduce-account-charges/</loc>
		<lastmod>2017-04-04T13:03:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-to-shut-branches-in-india/</loc>
		<lastmod>2017-04-04T13:03:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/us-transaction-volumes-drop-by-45/</loc>
		<lastmod>2017-04-04T13:03:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/co-op-roll-out-talking-atms/</loc>
		<lastmod>2017-04-04T13:03:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mashreq-launch-registration-free-m-banking-service/</loc>
		<lastmod>2017-04-04T13:03:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sepa-german-banks-to-adopt-eba-clearings-infrastructure/</loc>
		<lastmod>2017-04-04T13:03:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/welcome-and-aima-team-up-with-commbank-to-create-loyalty-scheme/</loc>
		<lastmod>2017-04-04T13:03:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/citi-sells-brazilian-cards-and-finance-unit/</loc>
		<lastmod>2017-04-04T13:03:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/deutsche-bank-launch-account-for-women/</loc>
		<lastmod>2017-04-04T13:03:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sovereign-bank-launch-mobile-banking-app/</loc>
		<lastmod>2017-04-04T13:03:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/us-to-witness-dramatic-bank-branch-reduction-celent-2/</loc>
		<lastmod>2017-04-04T13:03:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bnp-paribas-launches-digital-mobile-bank/</loc>
		<lastmod>2017-04-04T13:03:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hsbc-to-axe-another-14000-jobs-to-save-2bn/</loc>
		<lastmod>2017-04-04T13:03:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-to-spend-175m-on-scots-retail-banking/</loc>
		<lastmod>2017-04-04T13:03:25+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/citi-announce-rollout-of-global-ipad-app/</loc>
		<lastmod>2017-04-04T13:03:25+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/post-office-to-launch-three-current-accounts/</loc>
		<lastmod>2017-04-04T13:03:25+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/downscale-fears-confirmed-as-barclays-announces-closure-of-coventry-call-centre/</loc>
		<lastmod>2017-04-04T13:01:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbi-awards-2012-winners-revealed/</loc>
		<lastmod>2017-04-04T13:03:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/further-job-losses-at-lloyds-banking-group/</loc>
		<lastmod>2017-04-04T13:03:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/moodys-downgrades-co-op-banks-credit-rating-to-junk/</loc>
		<lastmod>2017-04-04T13:03:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/women-in-european-banking-germany-drags-its-feet-as-france-leads-the-way/</loc>
		<lastmod>2017-04-04T13:03:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/mobile-balance-check-without-login-comes-to-the-us/</loc>
		<lastmod>2017-04-04T13:03:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/bank-technique-paves-the-virtual-way-in-azerbaijan/</loc>
		<lastmod>2017-04-04T13:03:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/10th-world-retail-banking-report-round-up/</loc>
		<lastmod>2017-04-04T13:03:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/country-survey-italy/</loc>
		<lastmod>2017-04-04T13:03:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/financial-stability-survey-equifax/</loc>
		<lastmod>2017-04-04T13:03:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sainsburys-bank-selects-fis-to-provide-retail-banking-technology/</loc>
		<lastmod>2017-04-04T13:03:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/why-are-contactless-payments-so-difficult/</loc>
		<lastmod>2017-04-04T13:03:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sainsburys-to-snap-up-lloyds-50-stake-in-sainsburys-bank/</loc>
		<lastmod>2017-04-04T13:03:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/account-switching-set-to-soar-experian/</loc>
		<lastmod>2017-04-04T13:03:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mountaineers-to-test-standard-chartered-app-on-mount-everest/</loc>
		<lastmod>2017-04-04T13:03:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nedbank-buys-shares-in-mozambique-bank-banco-unico/</loc>
		<lastmod>2017-04-04T13:03:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/job-cuts-expected-as-nationwide-integrates-regional-branches/</loc>
		<lastmod>2017-04-04T13:03:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/bank-islam-from-strength-to-strength-to-a-regional-islamic-powerhouse/</loc>
		<lastmod>2017-04-04T13:03:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/aib-rolls-out-concept-store/</loc>
		<lastmod>2017-04-04T13:03:30+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/introducing-the-concept-of-mini-apps-in-mobile-banking/</loc>
		<lastmod>2017-04-04T13:03:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/regulating-mass-communication/</loc>
		<lastmod>2017-04-04T13:03:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/techcombank-to-adopt-atm-solution/</loc>
		<lastmod>2017-04-04T13:03:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-q1-results-sparks-talk-of-govt-stake-sale/</loc>
		<lastmod>2017-04-04T13:03:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-mandiri-places-large-atm-order-with-diebold/</loc>
		<lastmod>2017-04-04T13:03:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/peek-introduced-on-us-barclaycard-app/</loc>
		<lastmod>2017-04-04T13:03:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/metro-bank-reports-rapid-growth-and-expected-loss/</loc>
		<lastmod>2017-04-04T13:03:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/apple-bank-for-savings-acquires-emigrant-savings-branches/</loc>
		<lastmod>2017-04-04T13:03:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/diebold-slashes-700-jobs-as-profit-tumbles/</loc>
		<lastmod>2017-04-04T13:03:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mashreq-bank-moves-towards-relationship-pricing-with-oracles-flexcube/</loc>
		<lastmod>2017-04-04T13:03:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/unicredit-aquires-rbs-romania/</loc>
		<lastmod>2017-04-04T13:03:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/maybank-targets-high-net-worth-users-with-exclusive-man-unt-branded-visa-card/</loc>
		<lastmod>2017-04-04T13:03:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/lloyds-banking-group-post-sharp-rise-in-q1-profits/</loc>
		<lastmod>2017-04-04T13:03:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/dortmunder-volksbank-launches-contactless-m-payments/</loc>
		<lastmod>2017-04-04T13:03:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/american-savings-bank-hits-one-year-mobile-targets-in-one-month/</loc>
		<lastmod>2017-04-04T13:03:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/us-bank-to-use-voice-control-technology-in-flexperks-mobile-app/</loc>
		<lastmod>2017-04-04T13:03:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/lloyds-sells-spanish-divisions-to-banco-sabadell/</loc>
		<lastmod>2017-04-04T13:03:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/chase-top-for-mobile-banking-forrester/</loc>
		<lastmod>2017-04-04T13:03:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/south-bangla-agriculture-commerce-bank-implements-temenos-software/</loc>
		<lastmod>2017-04-04T13:03:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nationwide-hit-by-further-it-failure/</loc>
		<lastmod>2017-04-04T13:03:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/queue-management-system-adopted-by-unicredit-bulbank/</loc>
		<lastmod>2017-04-04T13:03:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/state-bank-of-india-launches-pre-paid-card-aimed-at-unbanked/</loc>
		<lastmod>2017-04-04T13:03:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/customers-willing-to-use-virtual-communication/</loc>
		<lastmod>2017-04-04T13:03:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/verde-project/</loc>
		<lastmod>2017-04-04T13:03:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/co-op-pulls-out-of-deal-to-purchase-lloyds-branches/</loc>
		<lastmod>2017-04-04T13:03:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nationwide-hit-by-it-failure/</loc>
		<lastmod>2017-04-04T13:03:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/facebanx-reveals-facial-recognition-technology/</loc>
		<lastmod>2017-04-04T13:03:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/world-retail-banking-report-2013-released/</loc>
		<lastmod>2017-04-04T13:03:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/guaranty-trust-bank-launch-social-banking-service/</loc>
		<lastmod>2017-04-04T13:03:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hsbc-announce-further-job-cu/</loc>
		<lastmod>2017-04-04T13:03:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/the-real-challenge-behind-account-switching/</loc>
		<lastmod>2017-04-04T13:03:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/retail-banking-satisfaction-improves-in-usa/</loc>
		<lastmod>2017-04-04T13:03:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nationwide-unveil-new-flagship-branch-in-london/</loc>
		<lastmod>2017-04-04T13:03:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rabobank-implement-hp-autonomy/</loc>
		<lastmod>2017-04-04T13:03:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/metro-bank-to-launch-drive-through-branch/</loc>
		<lastmod>2017-04-04T13:03:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/santander-to-explain-mortgage-cap-to-customers/</loc>
		<lastmod>2017-04-04T13:03:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/retail-banks-and-financial-services-trusted-above-other-institutions/</loc>
		<lastmod>2017-04-04T13:03:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sas-and-deloitte-release-social-sentiment-data/</loc>
		<lastmod>2017-04-04T13:03:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/vodafone-and-icici-bank-launch-mobile-money-service-in-india/</loc>
		<lastmod>2017-04-04T13:03:40+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bian-announces-four-new-members/</loc>
		<lastmod>2017-04-04T13:03:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/privatbank-to-launch-google-smart-glasses-apps/</loc>
		<lastmod>2017-04-04T13:03:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/capco-and-eyelock-to-bring-iris-biometric-security-to-banks/</loc>
		<lastmod>2017-04-04T13:03:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/cairo-amman-bank-goes-live-with-temenos-t24-core-banking-system/</loc>
		<lastmod>2017-04-04T13:03:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/accenture-launches-new-multi-channel-banking-software/</loc>
		<lastmod>2017-04-04T13:03:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/aib-opens-digital-banking-branch/</loc>
		<lastmod>2017-04-04T13:03:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/customer-complaints-increase-say-fca-and-which/</loc>
		<lastmod>2017-04-04T13:03:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sungard-supply-abu-dhabi-islamic-bank-with-customer-management-solutions/</loc>
		<lastmod>2017-04-04T13:03:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/citigroup-sell-turkish-consumer-banking-business/</loc>
		<lastmod>2017-04-04T13:03:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/raiffeisen-posts-disappointing-2012-results/</loc>
		<lastmod>2017-04-04T13:03:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/post-office-to-launch-current-account/</loc>
		<lastmod>2017-04-04T13:03:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/zuno-bank-implements-automated-credit-decisions/</loc>
		<lastmod>2017-04-04T13:03:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bnp-paribas-to-open-online-bank/</loc>
		<lastmod>2017-04-04T13:03:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ovum-warns-european-banks-to-not-ignore-social-media/</loc>
		<lastmod>2017-04-04T13:03:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/absa-bank-launch-financial-services-app/</loc>
		<lastmod>2017-04-04T13:03:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fca-to-investigate-rbs-it-glitches/</loc>
		<lastmod>2017-04-04T13:03:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/kcb-post-record-pre-tax-profit/</loc>
		<lastmod>2017-04-04T13:03:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/greek-banks-face-nationalisation/</loc>
		<lastmod>2017-04-04T13:03:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-melbourne-opens-its-70th-branch/</loc>
		<lastmod>2017-04-04T13:03:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/will-gamification-make-banking-fun/</loc>
		<lastmod>2017-04-04T13:03:45+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/absa-on-the-road-and-in-the-sky/</loc>
		<lastmod>2017-04-04T13:03:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/unite-on-job-cuts/</loc>
		<lastmod>2017-04-04T13:03:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/temenos-back-on-track/</loc>
		<lastmod>2017-04-04T13:03:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/the-digital-banking-club-account-switching-and-customer-loyalty-webinar/</loc>
		<lastmod>2017-04-04T13:03:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/2020-foresight-bancassurance/</loc>
		<lastmod>2017-04-04T13:03:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/no-friction-solutions-an-essential-part-of-the-winning-formula-for-mobile-payment-security/</loc>
		<lastmod>2017-04-04T13:03:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/anz-announce-1-million-australian-users/</loc>
		<lastmod>2017-04-04T13:03:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-america-unveils-video-teller-atm/</loc>
		<lastmod>2017-04-04T13:03:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/bt-global-account-switching-report/</loc>
		<lastmod>2017-04-04T13:03:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-china-profits-continue-to-rise/</loc>
		<lastmod>2017-04-04T13:03:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/postbank-profits-double-in-2012/</loc>
		<lastmod>2017-04-04T13:03:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ing-internet-glitch-changes-account-balances/</loc>
		<lastmod>2017-04-04T13:03:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbc-and-interac-successfully-complete-first-nfc-payment-in-canada/</loc>
		<lastmod>2017-04-04T13:03:49+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-the-west-introduces-log-in-free-balance-check-feature/</loc>
		<lastmod>2017-04-04T13:03:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sbi-adopt-self-service-atms/</loc>
		<lastmod>2017-04-04T13:03:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mobile-banking-use-rises-in-us-frb/</loc>
		<lastmod>2017-04-04T13:03:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/alternative-banking/</loc>
		<lastmod>2017-04-04T13:03:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/abc-open-dubai-branch/</loc>
		<lastmod>2017-04-04T13:03:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fsa-implements-new-policies-on-packaged-accounts/</loc>
		<lastmod>2017-04-04T13:03:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-suffers-further-technical-problems/</loc>
		<lastmod>2017-04-04T13:03:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/cyprus-banks-to-reopen-with-capital-restrictions/</loc>
		<lastmod>2017-04-04T13:03:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/piraeus-bank-acquires-greek-operations-of-cypriot-banks/</loc>
		<lastmod>2017-04-04T13:03:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/virgin-money-selects-nice-fizzback-voice-of-the-customer/</loc>
		<lastmod>2017-04-04T13:03:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-switching-in-the-uk-increases-accenture/</loc>
		<lastmod>2017-04-04T13:03:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/kicb-becomes-the-first-bank-to-provide-m-banking-in-kyrgyzstan/</loc>
		<lastmod>2017-04-04T13:03:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/us-small-businesses-prefer-traditional-banking-services-bai/</loc>
		<lastmod>2017-04-04T13:03:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/new-zealand-bank-switching-doubles/</loc>
		<lastmod>2017-04-04T13:03:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/cyprus-banks-remain-closed-until-thursday/</loc>
		<lastmod>2017-04-04T13:03:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/uk-customer-loyalty-simon-kucher-and-partners/</loc>
		<lastmod>2017-04-04T13:03:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-and-natwest-launch-mobile-chat-facility/</loc>
		<lastmod>2017-04-04T13:03:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/misys-launches-online-and-mobile-banking-suite/</loc>
		<lastmod>2017-04-04T13:03:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/profits-for-big-five-uk-banks-wiped-out/</loc>
		<lastmod>2017-04-04T13:03:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/unicredit-unveils-its-bank-of-the-future/</loc>
		<lastmod>2017-04-04T13:03:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/cyprus-bail-out-guarantees-deposits-under-100000/</loc>
		<lastmod>2017-04-04T13:03:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bbva-to-invest-35bn-in-mexico-over-the-next-four-years/</loc>
		<lastmod>2017-04-04T13:03:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/td-bank-hit-by-cyber-attack/</loc>
		<lastmod>2017-04-04T13:03:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/financial-services-software-provider-temenos-acquires-trinovus/</loc>
		<lastmod>2017-04-04T13:03:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/co-op-bank-reports-weak-2012-verde-suffers-fresh-doubts/</loc>
		<lastmod>2017-04-04T13:03:54+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/raiffeisen-bank-to-purchase-citibanks-romanian-consumer-portfolio/</loc>
		<lastmod>2017-04-04T13:03:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ing-direct-canada-team-up-with-ibm-on-digital-channels/</loc>
		<lastmod>2017-04-04T13:03:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/banks-in-cyprus-to-remain-closed-until-26-march/</loc>
		<lastmod>2017-04-04T13:03:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/uk-bank-levy-will-make-it-harder-to-lend-to-consumers-deloitte/</loc>
		<lastmod>2017-04-04T13:03:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fis-sign-seven-year-deal-with-firstbank-puerto-rico/</loc>
		<lastmod>2017-04-04T13:03:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-america-to-sell-9-of-its-branches-to-first-financial-bank/</loc>
		<lastmod>2017-04-04T13:03:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/south-korean-banks-hit-by-cyber-attack/</loc>
		<lastmod>2017-04-04T13:03:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bnp-paribas-belgium-partners-with-belgacom-to-launch-mobile-wallet-service/</loc>
		<lastmod>2017-04-04T13:03:57+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/chase-bank-deny-hacking-after-vanishing-balances/</loc>
		<lastmod>2017-04-04T13:03:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-to-invest-700m-in-uk-retail/</loc>
		<lastmod>2017-04-04T13:03:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-encourages-customers-to-share-ideas/</loc>
		<lastmod>2017-04-04T13:03:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/uk-online-banking-fraud-rises/</loc>
		<lastmod>2017-04-04T13:03:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ally-financial-remains-number-one-us-auto-lender/</loc>
		<lastmod>2017-04-04T13:03:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/paypal-launches-ipad-app-for-small-retailers/</loc>
		<lastmod>2017-04-04T13:03:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/caisse-financial-group-opts-for-temenos/</loc>
		<lastmod>2017-04-04T13:03:58+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-and-natwest-launch-mobile-payment-app/</loc>
		<lastmod>2017-04-04T13:03:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/yorkshire-building-society-to-launch-pfm-tool/</loc>
		<lastmod>2017-04-04T13:03:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/jp-morgan-chase-website-goes-down-after-cyber-assault/</loc>
		<lastmod>2017-04-04T13:03:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/concerns-over-access-to-cash-in-the-uk-payments-council/</loc>
		<lastmod>2017-04-04T13:03:59+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/tablet-banking-set-to-rise-juniper-research/</loc>
		<lastmod>2017-04-04T13:04:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/uk-bank-customers-worried-about-security-lapse/</loc>
		<lastmod>2017-04-04T13:04:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/branch-resurrection-in-the-digital-age/</loc>
		<lastmod>2017-04-04T13:04:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/usaa-bank-adds-voice-recognition-to-its-mobile-app/</loc>
		<lastmod>2017-04-04T13:04:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nationwide-teams-up-with-lsg-on-flexplus-account/</loc>
		<lastmod>2017-04-04T13:04:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/us-bank-introduces-mobile-bill-payment-service/</loc>
		<lastmod>2017-04-04T13:04:02+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fico-flags-worst-russian-repayments-since-2010/</loc>
		<lastmod>2017-04-04T13:04:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/customers-call-for-portable-account-numbers-to-make-bank-switching-easier-yougov/</loc>
		<lastmod>2017-04-04T13:04:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/naffwest-a-lesson-in-how-not-to-use-social-media-in-a-crisis/</loc>
		<lastmod>2017-04-04T13:04:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-suffers-payment-disruption/</loc>
		<lastmod>2017-04-04T13:04:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/cba-launches-kaching-payment-app-for-facebook/</loc>
		<lastmod>2017-04-04T13:04:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/new-zealand-m-banking-continues-to-grow/</loc>
		<lastmod>2017-04-04T13:04:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/santander-releases-mobile-app-for-android/</loc>
		<lastmod>2017-04-04T13:04:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/uk-packaged-accounts-take-a-hit/</loc>
		<lastmod>2017-04-04T13:04:03+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/cross-platform-unification-is-key-at-finovateeurope-2013/</loc>
		<lastmod>2017-04-04T13:04:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/svyaznoy-bank-turning-russia-cashless/</loc>
		<lastmod>2017-04-04T13:04:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/ing-launches-major-turkish-branch-revamp/</loc>
		<lastmod>2017-04-04T13:04:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/savings-becomes-cool/</loc>
		<lastmod>2017-04-04T13:04:04+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ing-completes-sale-of-ing-direct/</loc>
		<lastmod>2017-04-04T13:04:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/absa-launches-emergency-mobile-bank/</loc>
		<lastmod>2017-04-04T13:04:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/rabobank-posts-20-fall-in-profits/</loc>
		<lastmod>2017-04-04T13:04:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/commbank-seeks-to-understand-consumer-spending/</loc>
		<lastmod>2017-04-04T13:04:07+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hsbc-profits-fall-in-2012/</loc>
		<lastmod>2017-04-04T13:04:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/4-things-banks-should-be-spending-their-money-on-in-2013/</loc>
		<lastmod>2017-04-04T13:04:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-ireland-posts-18bn-loss-for-2012/</loc>
		<lastmod>2017-04-04T13:04:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/lloyds-reports-improving-results/</loc>
		<lastmod>2017-04-04T13:04:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/co-op-facing-1bn-capital-deficit-fsa/</loc>
		<lastmod>2017-04-04T13:04:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/digital-is-already-on-top-nab-executive-general-manager/</loc>
		<lastmod>2017-04-04T13:04:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-group-posts-5th-annual-loss/</loc>
		<lastmod>2017-04-04T13:04:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/jpm/</loc>
		<lastmod>2017-04-04T13:04:08+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/still-first-but-no-complacency-at-first-direct/</loc>
		<lastmod>2017-04-04T13:04:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/jp-morgan-chase-cuts-4000-jobs/</loc>
		<lastmod>2017-04-04T13:04:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bbva-compass-selects-keynotes-deviceanywhere-platform/</loc>
		<lastmod>2017-04-04T13:04:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/is-this-the-future-high-street-to-istreet/</loc>
		<lastmod>2017-04-04T13:04:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/west-bromwich-building-society-selects-lombard-risk-reporter/</loc>
		<lastmod>2017-04-04T13:04:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/jessica-ennis-joins-santander-as-brand-ambassador/</loc>
		<lastmod>2017-04-04T13:04:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/caixabank-to-slash-3000-jobs/</loc>
		<lastmod>2017-04-04T13:04:09+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/yes-bank-india-selects-microsoft-sharepoint-2010/</loc>
		<lastmod>2017-04-04T13:04:10+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/cocc-and-online-resources-partner-to-offer-integrated-digital-platform/</loc>
		<lastmod>2017-04-04T13:04:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/equifax-urges-mortgage-providers-to-use-verified-income-data-to-sustain-market-growth/</loc>
		<lastmod>2017-04-04T13:04:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-set-to-announce-part-sale-of-us-based-citizens-bank/</loc>
		<lastmod>2017-04-04T13:04:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/commerzbank-set-to-axe-1800-jobs/</loc>
		<lastmod>2017-04-04T13:04:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/banco-ita-launches-mobile-payment-pilot-in-brazil/</loc>
		<lastmod>2017-04-04T13:04:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-asya-deploys-diebold-atms-to-cut-costs/</loc>
		<lastmod>2017-04-04T13:04:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/standard-chartered-launch-cross-channel-compatible-website/</loc>
		<lastmod>2017-04-04T13:04:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/uk-account-switching-winners-and-losers/</loc>
		<lastmod>2017-04-04T13:04:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bian-launches-service-landscape-20/</loc>
		<lastmod>2017-04-04T13:04:13+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/arvest-receives-regulatory-approval-to-buy-29-bank-of-america-branches/</loc>
		<lastmod>2017-04-04T13:04:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/citi-launch-new-m-banking-solution/</loc>
		<lastmod>2018-07-25T06:43:35+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/wells-fargo-launch-new-atm-interfac/</loc>
		<lastmod>2017-04-04T13:04:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bbva-compass-launches-nba-branded-online-account/</loc>
		<lastmod>2017-04-04T13:04:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-to-offer-free-wi-fi-in-uk-branches/</loc>
		<lastmod>2017-04-04T13:04:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/how-do-consumers-discover-brands-when-looking-for-a-new-current-account-provider-and-how-do-they-make-their-final-choice/</loc>
		<lastmod>2017-04-04T13:04:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/almost-half-of-us-bank-customers-interested-in-pay-by-transaction-deloitte/</loc>
		<lastmod>2017-04-04T13:04:14+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bnz-launches-youmoney-pfm-tool/</loc>
		<lastmod>2017-04-04T13:04:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/ing-to-save-1bn-due-to-digital-banking-growth/</loc>
		<lastmod>2017-04-04T13:04:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ing-to-slash-2400-jobs/</loc>
		<lastmod>2017-04-04T13:04:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/uk-consumers-believe-banks-are-best-for-financial-services-yougov/</loc>
		<lastmod>2017-04-04T13:04:15+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-to-slash-3700-jobs/</loc>
		<lastmod>2017-04-04T13:04:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/mobile-banking-usage-in-australia-soars-misc-market-intelligence-strategy-centre-australi/</loc>
		<lastmod>2017-04-04T13:04:17+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/online-only-companies-have-greater-visibility-in-online-searches-epiphany-uk/</loc>
		<lastmod>2017-04-04T13:04:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/nab-launches-money-tracker-pfm-tool/</loc>
		<lastmod>2023-07-17T15:00:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fifth-third-bank-introduces-mobile-cheque-depositing-service/</loc>
		<lastmod>2017-04-04T13:04:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/commerzbank-launches-phototan-for-secure-online-banking/</loc>
		<lastmod>2017-04-04T13:16:16+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/me-bank-launches-mini-workplace-bank/</loc>
		<lastmod>2017-04-04T13:04:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/m-banking-growth-soars-in-australia/</loc>
		<lastmod>2017-04-04T13:04:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/market-share-gains-boost-akbank-fy12-results/</loc>
		<lastmod>2017-04-04T13:04:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/prepaid-remade-why-banks-must-break-free-of-their-systems/</loc>
		<lastmod>2017-04-04T13:04:18+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mobile-banking-apps-fail-to-meet-consumer-expectations-varolii-us/</loc>
		<lastmod>2017-04-04T13:04:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/cab-launches-new-online-investment-platform/</loc>
		<lastmod>2017-04-04T13:04:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-ireland-launches-new-mobile-payment-service/</loc>
		<lastmod>2017-04-04T13:04:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/icici-launches-new-mobile-banking-service/</loc>
		<lastmod>2017-04-04T13:04:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/santander-reports-a-fall-in-profit/</loc>
		<lastmod>2017-04-04T13:04:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/retail-banks-set-to-increase-it-spending-in-2013-ovum-uk/</loc>
		<lastmod>2017-04-04T13:04:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/halifax-banks-on-account-switching-in-2013/</loc>
		<lastmod>2017-04-04T13:04:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/europe-branch-network-will-be-cut-by-30-efma/</loc>
		<lastmod>2017-04-04T13:04:19+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/2013-the-year-ahead/</loc>
		<lastmod>2017-04-04T13:04:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/bluebird-set-to-fly/</loc>
		<lastmod>2017-04-04T13:04:20+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/union-bank-kicks-off-banking-by-design/</loc>
		<lastmod>2017-04-04T13:04:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/akbanks-strong-focus-on-social-media-and-facebook/</loc>
		<lastmod>2017-04-04T13:04:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/aci-plans-to-acquire-online-resources/</loc>
		<lastmod>2017-04-04T13:04:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/giving-the-underbanked-due-credit/</loc>
		<lastmod>2017-04-04T13:04:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/netherlands-nationalises-sns-reaal/</loc>
		<lastmod>2017-04-04T13:04:22+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/westpac-implement-new-oracle-database-solutions/</loc>
		<lastmod>2017-04-04T13:04:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-technique-opts-for-oracle/</loc>
		<lastmod>2017-04-04T13:04:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/new-zealands-banks-score-digital-hit/</loc>
		<lastmod>2017-04-04T13:04:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fis-snaps-us-mfoundry/</loc>
		<lastmod>2017-04-04T13:04:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/more-consumers-using-m-banking-fiserv-us/</loc>
		<lastmod>2017-04-04T13:04:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/qatar-islamic-bank-to-launch-new-m-banking-app/</loc>
		<lastmod>2017-04-04T13:04:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/shoulda-put-a-ring-fence-on-it/</loc>
		<lastmod>2017-04-04T13:04:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nbad-team-up-with-bt-to-link-international-branches/</loc>
		<lastmod>2017-04-04T13:04:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mastercard-signs-agreement-with-keycorp-for-new-suite-credit-card-products-290113/</loc>
		<lastmod>2017-04-04T13:04:23+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/welcome-real-time-announces-new-analytics-portal/</loc>
		<lastmod>2017-04-04T13:04:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/allianz-set-to-axe-up-to-450-jobs/</loc>
		<lastmod>2017-04-04T13:04:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/citibank-india-launches-new-mobile-payment-solution/</loc>
		<lastmod>2017-04-04T13:04:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/m-banking-usage-soars/</loc>
		<lastmod>2017-04-04T13:04:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bbva-to-fund-fintech-start-ups-in-the-us/</loc>
		<lastmod>2017-04-04T13:04:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/commerzbank-set-to-axe-up-to-6000-jobs/</loc>
		<lastmod>2017-04-04T13:04:24+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/citbank-launches-next-generation-banking-channel/</loc>
		<lastmod>2017-04-04T13:04:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bofa-posts-a-three-fold-increase-to-net-profit/</loc>
		<lastmod>2017-04-04T13:04:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-spending-to-slow-on-social-media/</loc>
		<lastmod>2017-04-04T13:04:27+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fiserv-renews-agreement-with-bank-of-america/</loc>
		<lastmod>2017-04-04T13:04:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/net-profit-doubles-at-suntrust/</loc>
		<lastmod>2017-04-04T13:04:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/jpmorgan-chase-reports-a-12-rise-in-net-profit/</loc>
		<lastmod>2017-04-04T13:04:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/citi-reports-32-drop-in-fy12-net-profit/</loc>
		<lastmod>2017-04-04T13:04:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/comerica-report-a-33-rise-in-profit/</loc>
		<lastmod>2017-04-04T13:04:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/us-bank-reports-record-profit-up-16-y-on-y/</loc>
		<lastmod>2017-04-04T13:04:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/acleda-upgrades-to-temenos-t24/</loc>
		<lastmod>2017-04-04T13:04:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/retail-loans-at-sberbank-soar/</loc>
		<lastmod>2017-04-04T13:04:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/green-dot-launches-mobile-based-bank-account/</loc>
		<lastmod>2017-04-04T13:04:28+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/al-rajhi-bank-launches-new-internet-banking-platform/</loc>
		<lastmod>2017-04-04T13:04:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fiserv-snaps-up-open-solutions/</loc>
		<lastmod>2017-04-04T13:04:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/wells-fargo-net-profit-up-19-y-on-y-to-a-record-189bn/</loc>
		<lastmod>2017-04-04T13:04:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nationwide-to-launch-web-isa/</loc>
		<lastmod>2017-04-04T13:04:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/amex-to-slash-5400-jobs-in-2013/</loc>
		<lastmod>2017-04-04T13:04:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/us-credit-back-in-2013-fico/</loc>
		<lastmod>2017-04-04T13:04:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/lloyds-to-offer-platinum-credit-card-refund/</loc>
		<lastmod>2017-04-04T13:04:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/anz-opens-new-outlet-in-china/</loc>
		<lastmod>2017-04-04T13:04:29+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/chase-opens-1000th-california-branch/</loc>
		<lastmod>2017-04-04T13:04:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/rbi-launches-2013-awards/</loc>
		<lastmod>2017-04-04T13:04:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/charitable-giving-slows-at-half-of-big-uk-banks-post-financial-crisis/</loc>
		<lastmod>2017-04-04T13:04:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/a-far-better-year/</loc>
		<lastmod>2017-04-04T13:04:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bofa-to-pay-fannie-mae-36bn-in-mortgage-claims/</loc>
		<lastmod>2017-04-04T13:04:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/big-banks-follow-twitter-in-2012/</loc>
		<lastmod>2017-04-04T13:04:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/rabo-taps-storeage-to-create-new-branch-concept/</loc>
		<lastmod>2017-04-04T13:04:32+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/four-steps-to-a-customer-centric-enterprise/</loc>
		<lastmod>2017-04-04T13:04:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/fatca-is-a-must-not-an-option/</loc>
		<lastmod>2017-04-04T13:04:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/banks-have-to-do-more-to-meet-customers-financial-profile-needs/</loc>
		<lastmod>2017-04-04T13:04:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/basel-awards-banks-more-flexible-liquidity-rules/</loc>
		<lastmod>2017-04-04T13:04:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/fsa-fines-co-op-over-ppi-complaints/</loc>
		<lastmod>2017-04-04T13:04:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-natwest-and-hsbc-to-refund-forgotten-cash/</loc>
		<lastmod>2017-04-04T13:04:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/halifax-announces-12-month-fee-free-overdraft-for-switchers/</loc>
		<lastmod>2017-04-04T13:04:33+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-china-opens-middle-east-outlet/</loc>
		<lastmod>2017-04-04T13:04:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/icbc-to-open-a-branch-in-brazil/</loc>
		<lastmod>2017-04-04T13:04:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sberbank-and-yandex-partner-on-e-money/</loc>
		<lastmod>2017-04-04T13:04:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bank-of-montreal-to-update-mobile-banking/</loc>
		<lastmod>2017-04-04T13:04:34+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ing-overhauls-branches-in-turkey/</loc>
		<lastmod>2017-04-04T13:04:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/nordnets-digital-only-strategy-going-strong/</loc>
		<lastmod>2017-04-04T13:04:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/rbi-ranks-the-top-50-banks-on-facebook/</loc>
		<lastmod>2017-04-04T13:04:36+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/brazilian-banks-buoyed-by-rising-demand-for-mortgages/</loc>
		<lastmod>2017-04-04T13:04:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/online-bankers-more-loyal-and-more-valuable-inuit/</loc>
		<lastmod>2017-04-04T13:04:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/santander-to-absorb-banesto-and-banif-shuttering-700-outlets/</loc>
		<lastmod>2017-04-04T13:04:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/dassault-systmes-launches-product-innovation-factory/</loc>
		<lastmod>2017-04-04T13:04:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/the-future-is-digital/</loc>
		<lastmod>2017-04-04T13:04:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/googles-mortgage-comparison-service-of-little-threat-to-incumbents-greenlight/</loc>
		<lastmod>2017-04-04T13:04:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/wincor-nixdorf-lands-195m-landesbank-contract/</loc>
		<lastmod>2017-04-04T13:04:37+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/westpac-begins-outlet-overhaul/</loc>
		<lastmod>2017-04-04T13:04:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/hsbc-sells-its-operations-in-costa-rica-el-salvador-and-honduras/</loc>
		<lastmod>2017-04-04T13:04:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/uk-bank-staff-remain-under-sales-pressure/</loc>
		<lastmod>2017-04-04T13:04:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/uk-banks-quick-to-engage-customers-on-twitter/</loc>
		<lastmod>2017-04-04T13:04:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/la-caixa-to-launch-app-for-businesses-to-advertise-promotions/</loc>
		<lastmod>2017-04-04T13:04:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/citi-to-axe-4-of-global-workforce/</loc>
		<lastmod>2017-04-04T13:04:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/scotiabank-completes-crdito-familiar-acquisition/</loc>
		<lastmod>2017-04-04T13:04:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/ineffective-security-awareness-training-leaving-uk-businesses-dangerously-exposed/</loc>
		<lastmod>2017-04-04T13:04:38+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/la-caixa-to-launch-contactless-payment-stickers/</loc>
		<lastmod>2017-04-04T13:04:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/standard-bank-offers-real-time-p2p-money-transfer-from-sa-to-zimbabwe/</loc>
		<lastmod>2017-04-04T13:04:39+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/bank-of-england-credit-scheme-sees-moderate-early-borrowing/</loc>
		<lastmod>2017-04-04T13:04:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/deutsche-bank-to-sell-card-business-to-to-evo/</loc>
		<lastmod>2017-04-04T13:04:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/garanti-mobile-customers-increase-following-app-launch/</loc>
		<lastmod>2017-04-04T13:04:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/intelligent-environments-launches-interact-platform/</loc>
		<lastmod>2017-04-04T13:04:41+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nationwide-launches-new-current-account-flexdirect/</loc>
		<lastmod>2017-04-04T13:04:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/lloyds-to-inform-customers-of-branch-sales-in-writing/</loc>
		<lastmod>2017-04-04T13:04:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bbva-to-use-foursquare-for-feedback/</loc>
		<lastmod>2017-04-04T13:04:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/maybank-launches-bundled-product-maybank-one-solution/</loc>
		<lastmod>2017-04-04T13:04:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/icbc-opens-first-branch-in-poland/</loc>
		<lastmod>2017-04-04T13:04:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/zopa-passes-250m-in-peer-to-peer-loans/</loc>
		<lastmod>2017-04-04T13:04:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/citi-opens-philippines-smart-banking-branch/</loc>
		<lastmod>2017-04-04T13:04:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/facebook-rbi-ranks-the-top-50-banks/</loc>
		<lastmod>2017-04-04T13:04:42+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/chase-launches-instant-card-issuance-at-2000-branches/</loc>
		<lastmod>2017-04-04T13:04:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/mobile-only-bank-tyme-capital-launches-in-south-africa/</loc>
		<lastmod>2017-04-04T13:04:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/cross-selling-products-and-big-data-analysis-priorities-for-2013/</loc>
		<lastmod>2017-04-04T13:04:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/improving-how-an-organisation-writes-can-significantly-improve-customer-service-ratings-how-can-regulatory-teams-help/</loc>
		<lastmod>2017-04-04T13:04:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/citi-to-reduce-branch-numbers-in-greece/</loc>
		<lastmod>2017-04-04T13:04:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/hdfc-bank-launches-mobile-banking-app-in-hindi/</loc>
		<lastmod>2017-04-04T13:04:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/russian-borrowers-credit-repayments-fall-fico-credit-health-index/</loc>
		<lastmod>2017-04-04T13:04:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/me-bank-deploys-temenos-software/</loc>
		<lastmod>2017-04-04T13:04:43+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/westpac-opens-first-branch-in-india/</loc>
		<lastmod>2017-04-04T13:04:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/chile-banking-market-opportunities-and-growing-pains/</loc>
		<lastmod>2017-04-04T13:04:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/innovation-key-for-banks-to-stay-competitive-2012-wpr/</loc>
		<lastmod>2017-04-04T13:04:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/chase-launches-new-home-buying-mobile-app/</loc>
		<lastmod>2017-04-04T13:04:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/amex-launches-new-app-to-capture-receipt-information/</loc>
		<lastmod>2017-04-04T13:04:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/citi-singapore-enables-bill-payments-via-sms/</loc>
		<lastmod>2017-04-04T13:04:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/payments-whats-all-the-fuss-about/</loc>
		<lastmod>2017-04-04T13:04:46+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-to-launch-pfm-tool-barclays-money/</loc>
		<lastmod>2017-04-04T13:04:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/uk-bank-chairmen-look-ahead/</loc>
		<lastmod>2017-04-04T13:04:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ubank-launches-website-for-customers-to-compare-spending/</loc>
		<lastmod>2017-04-04T13:04:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/icici-bank-partners-vodafone-to-launch-m-pesa-in-india/</loc>
		<lastmod>2017-04-04T13:04:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/ing-trials-emv-compliant-web-payments/</loc>
		<lastmod>2017-04-04T13:04:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/otp-bank-russia-deploys-tieto-solution-for-p2p-payments/</loc>
		<lastmod>2017-04-04T13:04:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/stanchart-singapore-launches-security-tokens-embedded-cards/</loc>
		<lastmod>2017-04-04T13:04:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/sberbank-launches-bejewelled-credit-card-in-kazakhstan/</loc>
		<lastmod>2017-04-04T13:04:47+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/industry-challenges-as-payments-go-mobile/</loc>
		<lastmod>2017-04-04T13:04:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bangkok-bank-becomes-first-asian-lender-to-join-bian/</loc>
		<lastmod>2017-04-04T13:04:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/axis-bank-to-offer-deutsche-banks-fx4cash-solution/</loc>
		<lastmod>2017-04-04T13:04:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/bbva-to-launch-visas-vme-digital-wallet-in-spain/</loc>
		<lastmod>2017-04-04T13:04:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/service-oriented-architecture-a-playlist-experience-for-the-financial-services/</loc>
		<lastmod>2017-04-04T13:04:48+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/dbs-flagship-store-focuses-on-customer-experience/</loc>
		<lastmod>2017-04-04T13:04:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/anz-and-ncr-agree-five-year-deal-to-transform-atm-network/</loc>
		<lastmod>2017-04-04T13:04:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/cyberattack-dangers-consequences-and-prevention/</loc>
		<lastmod>2017-04-04T13:04:50+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/software-ag-updates-two-product-suites/</loc>
		<lastmod>2017-04-04T13:04:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/la-caixa-launches-app-to-track-stock-markets-using-music/</loc>
		<lastmod>2017-04-04T13:04:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/banking-the-bankrupt-prepaid-providers-will-be-crucial-as-banks-withdraw-services/</loc>
		<lastmod>2017-04-04T13:04:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/turkish-banks-capitalise-on-youthful-population/</loc>
		<lastmod>2017-04-04T13:04:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/who-will-be-in-charge-in-a-crisis/</loc>
		<lastmod>2017-04-04T13:04:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/how-fraud-systems-should-interact-with-your-customers/</loc>
		<lastmod>2017-04-04T13:04:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/uncategorized/14m-uk-current-account-holders-may-switch-banks-sas/</loc>
		<lastmod>2017-04-04T13:04:51+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/retail-banks-and-targeted-persistent-attacks/</loc>
		<lastmod>2017-04-04T13:04:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/how-to-stop-the-seven-day-itch-4156542/</loc>
		<lastmod>2017-04-04T13:04:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/rbs-resists-pressure-to-cash-in-on-citizens/</loc>
		<lastmod>2017-04-04T13:04:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/financial-services-brands-continue-to-struggle-interbrand/</loc>
		<lastmod>2017-04-04T13:04:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/la-caixa-launches-money-to-pay-service/</loc>
		<lastmod>2017-04-04T13:04:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/the-seven-deadly-sins-of-business-process-management/</loc>
		<lastmod>2017-04-04T13:04:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/bradesco-launches-its-own-branch-of-tomorrow/</loc>
		<lastmod>2017-04-04T13:04:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/chase-launches-online-banking-services-in-spanish/</loc>
		<lastmod>2017-04-04T13:04:52+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/greenlight-reveals-latest-analysis-of-uk-banks-digital-marketing-strategy/</loc>
		<lastmod>2017-04-04T13:04:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/amex-and-walmart-launch-prepaid-access-account-bluebird/</loc>
		<lastmod>2017-04-04T13:04:53+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/nationwide-launches-new-loyalty-saver-account/</loc>
		<lastmod>2017-04-04T13:04:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/barclays-to-acquire-ing-direct-uk/</loc>
		<lastmod>2017-04-04T13:04:55+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/15bn-to-be-invested-in-anzs-channel-overhaul/</loc>
		<lastmod>2017-04-04T13:04:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/stanchart-launches-islamic-euro-nostro-account/</loc>
		<lastmod>2017-04-04T13:04:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/news/raiffeisen-plans-to-open-first-branch-in-slovakia/</loc>
		<lastmod>2017-04-04T13:04:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/comment/asking-the-right-questions-about-china/</loc>
		<lastmod>2017-04-04T13:04:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.retailbankerinternational.com/features/beyond-the-basics-four-other-loyalty-drivers/</loc>
		<lastmod>2017-04-04T13:04:56+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>0.2</priority>
	</url>
</urlset><!-- Request ID: 91b1a7ace77a128e55d6efe2603807ed; Queries for sitemap: 3988; Total queries: 4020; Seconds: 7.2; Memory for sitemap: 32MB; Total memory: 34MB -->
