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<br /> www.banking-gateway.com Winter 2013<br /> Challenge<br /> accepted<br /> MetroBank CEO<br /> Craig Donaldson<br /> discusses how<br /> alternative banking is<br /> going toe to toe with<br /> traditional institutions<br /> Also in this issue:<br /> Rabobank CIO René Steenvoorden:<br /> restoring public trust in banks<br /> through technology<br /> Chris Popple, RBS MD of digital,<br /> examines how digital channels and Published in partnership with<br /> physical branches are evolving to<br /> complement each other<br /> PLUS: CORRESPONDENT BANKING: RUDOLF PUTZ, EBRD •<br /> CUSTOMER EXPERIENCE MANAGEMENT: DARYL WILKINSON, NATIONWIDE • PAYMENTS: PAULA DA SILVA, SEB<br /> <br /> Foreword<br /> On the web...<br /> On the web...<br /> Find <a title="Future Banking Issue 2 2013 page 1" href="http://viewer.zmags.com/publication/34fb3a22?page=1"> www.banking-gateway.com </a> <a title="Future Banking Issue 2 2013 page 2" href="http://viewer.zmags.com/publication/34fb3a22?page=2"> </a> <a title="Future Banking Issue 2 2013 page 3" href="http://viewer.zmags.com/publication/34fb3a22?page=3"> Foreword On the web... On the web... </a> <a title="Future Banking Issue 2 2013 page 4" href="http://viewer.zmags.com/publication/34fb3a22?page=4"> Contents On the cover 18 The 21st-century p</a> <a title="Future Banking Issue 2 2013 page 5" href="http://viewer.zmags.com/publication/34fb3a22?page=5"> ALL IN ONE Total security</a> <a title="Future Banking Issue 2 2013 page 6" href="http://viewer.zmags.com/publication/34fb3a22?page=6"> Contents chairman John Newton explains how taki</a> <a title="Future Banking Issue 2 2013 page 7" href="http://viewer.zmags.com/publication/34fb3a22?page=7"> Contents 80 The EBRD targets transaction </a> <a title="Future Banking Issue 2 2013 page 8" href="http://viewer.zmags.com/publication/34fb3a22?page=8"> The intelligence > News & statistics News & vit</a> <a title="Future Banking Issue 2 2013 page 9" href="http://viewer.zmags.com/publication/34fb3a22?page=9"> The intelligence > News & statistics A rising tid</a> <a title="Future Banking Issue 2 2013 page 10" href="http://viewer.zmags.com/publication/34fb3a22?page=10"> The intelligence > Industry overview A shrinking </a> <a title="Future Banking Issue 2 2013 page 11" href="http://viewer.zmags.com/publication/34fb3a22?page=11"> The intelligence > Industry overview corporatio</a> <a title="Future Banking Issue 2 2013 page 12" href="http://viewer.zmags.com/publication/34fb3a22?page=12"> NEED HELP MAKING CASHLESS A REALITY? Nets has bee</a> <a title="Future Banking Issue 2 2013 page 13" href="http://viewer.zmags.com/publication/34fb3a22?page=13"> The intelligence > Industry overview the situat</a> <a title="Future Banking Issue 2 2013 page 14" href="http://viewer.zmags.com/publication/34fb3a22?page=14"> Insight > Future Banking Awards And the winner</a> <a title="Future Banking Issue 2 2013 page 15" href="http://viewer.zmags.com/publication/34fb3a22?page=15"> Insight > Future Banking Awards has been design</a> <a title="Future Banking Issue 2 2013 page 16" href="http://viewer.zmags.com/publication/34fb3a22?page=16"> Company insight > Payments The end of the begin</a> <a title="Future Banking Issue 2 2013 page 17" href="http://viewer.zmags.com/publication/34fb3a22?page=17"> Company insight > Payments additional SEPA valu</a> <a title="Future Banking Issue 2 2013 page 18" href="http://viewer.zmags.com/publication/34fb3a22?page=18"> InInssigighhtt>>PPaayymeenntsts Pay phones </a> <a title="Future Banking Issue 2 2013 page 19" href="http://viewer.zmags.com/publication/34fb3a22?page=19"> Insight > Payments “Electronic payments are </a> <a title="Future Banking Issue 2 2013 page 20" href="http://viewer.zmags.com/publication/34fb3a22?page=20"> Insight > Payments phone are important. We are </a> <a title="Future Banking Issue 2 2013 page 21" href="http://viewer.zmags.com/publication/34fb3a22?page=21"> Company insight > Payments A Nordic suite of mo</a> <a title="Future Banking Issue 2 2013 page 22" href="http://viewer.zmags.com/publication/34fb3a22?page=22"> Company insight > Payments Cashing in on the no</a> <a title="Future Banking Issue 2 2013 page 23" href="http://viewer.zmags.com/publication/34fb3a22?page=23"> Company insight > Payments Managing regulatory </a> <a title="Future Banking Issue 2 2013 page 24" href="http://viewer.zmags.com/publication/34fb3a22?page=24"> Company insight > Payments Switched on As innov</a> <a title="Future Banking Issue 2 2013 page 25" href="http://viewer.zmags.com/publication/34fb3a22?page=25"> Company insight > Payments </a> <a title="Future Banking Issue 2 2013 page 26" href="http://viewer.zmags.com/publication/34fb3a22?page=26"> Insight > Payments Race against time With the SE</a> <a title="Future Banking Issue 2 2013 page 27" href="http://viewer.zmags.com/publication/34fb3a22?page=27"> Insight > Payments By partnering with Equens, t</a> <a title="Future Banking Issue 2 2013 page 28" href="http://viewer.zmags.com/publication/34fb3a22?page=28"> Company insight > Payments Transforming transac</a> <a title="Future Banking Issue 2 2013 page 29" href="http://viewer.zmags.com/publication/34fb3a22?page=29"> Company insight > Payments works well – why sho</a> <a title="Future Banking Issue 2 2013 page 30" href="http://viewer.zmags.com/publication/34fb3a22?page=30"> Company insight > Payments Put the pedal to the</a> <a title="Future Banking Issue 2 2013 page 31" href="http://viewer.zmags.com/publication/34fb3a22?page=31"> Company insight > Payments management would be </a> <a title="Future Banking Issue 2 2013 page 32" href="http://viewer.zmags.com/publication/34fb3a22?page=32"> Connect. Share. Give. Take. Solve. Save. Smile. U</a> <a title="Future Banking Issue 2 2013 page 33" href="http://viewer.zmags.com/publication/34fb3a22?page=33"> Company insight > Payments Innovation on the ca</a> <a title="Future Banking Issue 2 2013 page 34" href="http://viewer.zmags.com/publication/34fb3a22?page=34"> Company insight > Payments The journey to value</a> <a title="Future Banking Issue 2 2013 page 35" href="http://viewer.zmags.com/publication/34fb3a22?page=35"> Company insight > Payments </a> <a title="Future Banking Issue 2 2013 page 36" href="http://viewer.zmags.com/publication/34fb3a22?page=36"> Company insight > Customer experience management </a> <a title="Future Banking Issue 2 2013 page 37" href="http://viewer.zmags.com/publication/34fb3a22?page=37"> Company insight > Customer experience management </a> <a title="Future Banking Issue 2 2013 page 38" href="http://viewer.zmags.com/publication/34fb3a22?page=38"> Insight > Customer experience management The </a> <a title="Future Banking Issue 2 2013 page 39" href="http://viewer.zmags.com/publication/34fb3a22?page=39"> Insight > Customer experience management suppor</a> <a title="Future Banking Issue 2 2013 page 40" href="http://viewer.zmags.com/publication/34fb3a22?page=40"> Company insight > Customer experience management </a> <a title="Future Banking Issue 2 2013 page 41" href="http://viewer.zmags.com/publication/34fb3a22?page=41"> Company insight > Customer experience management </a> <a title="Future Banking Issue 2 2013 page 42" href="http://viewer.zmags.com/publication/34fb3a22?page=42"> Insight > Customer experience management human Th</a> <a title="Future Banking Issue 2 2013 page 43" href="http://viewer.zmags.com/publication/34fb3a22?page=43"> Insight > Customer experience management capabi</a> <a title="Future Banking Issue 2 2013 page 44" href="http://viewer.zmags.com/publication/34fb3a22?page=44"> Company insight > Customer experience management </a> <a title="Future Banking Issue 2 2013 page 45" href="http://viewer.zmags.com/publication/34fb3a22?page=45"> Company insight > Customer experience management </a> <a title="Future Banking Issue 2 2013 page 46" href="http://viewer.zmags.com/publication/34fb3a22?page=46"> Insight > Customer experience management Brave </a> <a title="Future Banking Issue 2 2013 page 47" href="http://viewer.zmags.com/publication/34fb3a22?page=47"> Africa's largest stockbroker • Licensed and regu</a> <a title="Future Banking Issue 2 2013 page 48" href="http://viewer.zmags.com/publication/34fb3a22?page=48"> Company insight > Customer experience management </a> <a title="Future Banking Issue 2 2013 page 49" href="http://viewer.zmags.com/publication/34fb3a22?page=49"> Company insight > Customer experience management </a> <a title="Future Banking Issue 2 2013 page 50" href="http://viewer.zmags.com/publication/34fb3a22?page=50"> Company insight > Customer experience management </a> <a title="Future Banking Issue 2 2013 page 51" href="http://viewer.zmags.com/publication/34fb3a22?page=51"> Company insight > Customer experience management </a> <a title="Future Banking Issue 2 2013 page 52" href="http://viewer.zmags.com/publication/34fb3a22?page=52"> Insight > Customer experience management Digit</a> <a title="Future Banking Issue 2 2013 page 53" href="http://viewer.zmags.com/publication/34fb3a22?page=53"> Insight > Customer experience management unhapp</a> <a title="Future Banking Issue 2 2013 page 54" href="http://viewer.zmags.com/publication/34fb3a22?page=54"> Company insight > Customer experience management </a> <a title="Future Banking Issue 2 2013 page 55" href="http://viewer.zmags.com/publication/34fb3a22?page=55"> Company insight > Customer experience management </a> <a title="Future Banking Issue 2 2013 page 56" href="http://viewer.zmags.com/publication/34fb3a22?page=56"> Innovative solutions unlocking the potential in y</a> <a title="Future Banking Issue 2 2013 page 57" href="http://viewer.zmags.com/publication/34fb3a22?page=57"> Company insight > Big data Banks: agents of dat</a> <a title="Future Banking Issue 2 2013 page 58" href="http://viewer.zmags.com/publication/34fb3a22?page=58"> Insight > Big data In with the new Raboban</a> <a title="Future Banking Issue 2 2013 page 59" href="http://viewer.zmags.com/publication/34fb3a22?page=59"> René Steenvoorden René Steenvoorden is senior exe</a> <a title="Future Banking Issue 2 2013 page 60" href="http://viewer.zmags.com/publication/34fb3a22?page=60"> Company insight > Big data Keep up with big fas</a> <a title="Future Banking Issue 2 2013 page 61" href="http://viewer.zmags.com/publication/34fb3a22?page=61"> Company insight > Big data </a> <a title="Future Banking Issue 2 2013 page 62" href="http://viewer.zmags.com/publication/34fb3a22?page=62"> Company insight > Big data A digital bank built</a> <a title="Future Banking Issue 2 2013 page 63" href="http://viewer.zmags.com/publication/34fb3a22?page=63"> Company insight > Big data locations that suit </a> <a title="Future Banking Issue 2 2013 page 64" href="http://viewer.zmags.com/publication/34fb3a22?page=64"> Insight > Core banking The future starts now </a> <a title="Future Banking Issue 2 2013 page 65" href="http://viewer.zmags.com/publication/34fb3a22?page=65"> Insight > Core banking customer segments. What </a> <a title="Future Banking Issue 2 2013 page 66" href="http://viewer.zmags.com/publication/34fb3a22?page=66"> Company insight > Core banking From midfield to </a> <a title="Future Banking Issue 2 2013 page 67" href="http://viewer.zmags.com/publication/34fb3a22?page=67"> Company insight > Core banking </a> <a title="Future Banking Issue 2 2013 page 68" href="http://viewer.zmags.com/publication/34fb3a22?page=68"> Insight > Core banking Branching out Social med</a> <a title="Future Banking Issue 2 2013 page 69" href="http://viewer.zmags.com/publication/34fb3a22?page=69"> It’s not what it holds. It’s what it sets free. </a> <a title="Future Banking Issue 2 2013 page 70" href="http://viewer.zmags.com/publication/34fb3a22?page=70"> Company insight > Core banking Core transformat</a> <a title="Future Banking Issue 2 2013 page 71" href="http://viewer.zmags.com/publication/34fb3a22?page=71"> Company insight > Core banking </a> <a title="Future Banking Issue 2 2013 page 72" href="http://viewer.zmags.com/publication/34fb3a22?page=72"> </a> <a title="Future Banking Issue 2 2013 page 73" href="http://viewer.zmags.com/publication/34fb3a22?page=73"> Insight > Core banking All </a> <a title="Future Banking Issue 2 2013 page 74" href="http://viewer.zmags.com/publication/34fb3a22?page=74"> Company insight > Core banking Prosumers and co</a> <a title="Future Banking Issue 2 2013 page 75" href="http://viewer.zmags.com/publication/34fb3a22?page=75"> Company insight > Core banking systems to perso</a> <a title="Future Banking Issue 2 2013 page 76" href="http://viewer.zmags.com/publication/34fb3a22?page=76"> Company insight > Foreign direct investment Lan</a> <a title="Future Banking Issue 2 2013 page 77" href="http://viewer.zmags.com/publication/34fb3a22?page=77"> Company insight > Foreign direct investment Ire</a> <a title="Future Banking Issue 2 2013 page 78" href="http://viewer.zmags.com/publication/34fb3a22?page=78"> Insight > Foreign direct investment industry's Th</a> <a title="Future Banking Issue 2 2013 page 79" href="http://viewer.zmags.com/publication/34fb3a22?page=79"> Company insight > Foreign direct investment Kno</a> <a title="Future Banking Issue 2 2013 page 80" href="http://viewer.zmags.com/publication/34fb3a22?page=80"> Insight > Correspondent banking Moscow Internat</a> <a title="Future Banking Issue 2 2013 page 81" href="http://viewer.zmags.com/publication/34fb3a22?page=81"> Insight > Correspondent banking lot of exportin</a> <a title="Future Banking Issue 2 2013 page 82" href="http://viewer.zmags.com/publication/34fb3a22?page=82"> Company insight > Correspondent banking Doorway</a> <a title="Future Banking Issue 2 2013 page 83" href="http://viewer.zmags.com/publication/34fb3a22?page=83"> Company insight > Correspondent banking “We </a> <a title="Future Banking Issue 2 2013 page 84" href="http://viewer.zmags.com/publication/34fb3a22?page=84"> Insight > Security Danger, danger The increasing </a> <a title="Future Banking Issue 2 2013 page 85" href="http://viewer.zmags.com/publication/34fb3a22?page=85"> Insight > Security Mobile SMS-forwarding malware </a> <a title="Future Banking Issue 2 2013 page 86" href="http://viewer.zmags.com/publication/34fb3a22?page=86"> Insight > Index Index Accenture .................</a> <a title="Future Banking Issue 2 2013 page 87" href="http://viewer.zmags.com/publication/34fb3a22?page=87"> One Compliant Framework, Endless Product Possibil</a> <a title="Future Banking Issue 2 2013 page 88" href="http://viewer.zmags.com/publication/34fb3a22?page=88"> We HElP BANKS lEAD WITH Global DelIVeRY EXCEllENC</a>