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<br /> www.banking-gateway.com Summer 2015<br /> SMART MONEY<br /> Ben Green of Santander discusses the bank's latest apps<br /> and the next innovations in mobile-banking technology<br /> PLUS: GOVERNANCE, RISK & COMPLIANCE: GÖRAN BRONNER, SWEDBANK •<br /> CYBERSECURITY:DRSTEVEPURSER,ENISA•TALENTMANAGEMENT:BRETTKING,MOVEN<br /> next-generation<br /> Make the most of your payments<br /> New markets and new technologies lead to rapid developments<br /> in the field of m-commerce, e-commerce and contactless<br /> payments. Evidently, you want to grab the opportunities<br /> offered by the next generation of payments. However, this<br /> requires a lot of time, money and dedication. Outsourcing the<br /> processing of these payments might be just what you need<br /> in order to concentrate on new and emerging opportunities.<br /> Sound solutions, solid results<br<a title="Future Banking Summer 2015 + Archive page 1" href="http://viewer.zmags.com/publication/3e50f8a9?page=1"> www.banking-gateway.com </a> <a title="Future Banking Summer 2015 + Archive page 2" href="http://viewer.zmags.com/publication/3e50f8a9?page=2"> next-generation Make the most of your payments</a> <a title="Future Banking Summer 2015 + Archive page 3" href="http://viewer.zmags.com/publication/3e50f8a9?page=3"> From the editor On the web... On the web... </a> <a title="Future Banking Summer 2015 + Archive page 4" href="http://viewer.zmags.com/publication/3e50f8a9?page=4"> smartstream-stp.com We deliver the solutions. Y</a> <a title="Future Banking Summer 2015 + Archive page 5" href="http://viewer.zmags.com/publication/3e50f8a9?page=5"> Contents Cover story 30 </a> <a title="Future Banking Summer 2015 + Archive page 6" href="http://viewer.zmags.com/publication/3e50f8a9?page=6"> Contents 28 Solid to the core A</a> <a title="Future Banking Summer 2015 + Archive page 7" href="http://viewer.zmags.com/publication/3e50f8a9?page=7"> The intelligence > News News Banks launch new a</a> <a title="Future Banking Summer 2015 + Archive page 8" href="http://viewer.zmags.com/publication/3e50f8a9?page=8"> The intelligence > Vital statistics Vital stati</a> <a title="Future Banking Summer 2015 + Archive page 9" href="http://viewer.zmags.com/publication/3e50f8a9?page=9"> Insight > Ma</a> <a title="Future Banking Summer 2015 + Archive page 10" href="http://viewer.zmags.com/publication/3e50f8a9?page=10"> Insight > MGoavrkerentatnrecned, rsisk & complian</a> <a title="Future Banking Summer 2015 + Archive page 11" href="http://viewer.zmags.com/publication/3e50f8a9?page=11"> Insight > M</a> <a title="Future Banking Summer 2015 + Archive page 12" href="http://viewer.zmags.com/publication/3e50f8a9?page=12"> Company insight > Governance, risk & compliance </a> <a title="Future Banking Summer 2015 + Archive page 13" href="http://viewer.zmags.com/publication/3e50f8a9?page=13"> Company insight > Governance, risk & compliance </a> <a title="Future Banking Summer 2015 + Archive page 14" href="http://viewer.zmags.com/publication/3e50f8a9?page=14"> Company insight > Digital banking Three hats, t</a> <a title="Future Banking Summer 2015 + Archive page 15" href="http://viewer.zmags.com/publication/3e50f8a9?page=15"> Company insight > Digital banking should be wor</a> <a title="Future Banking Summer 2015 + Archive page 16" href="http://viewer.zmags.com/publication/3e50f8a9?page=16"> It’s simple: IT is complex So there’s only one w</a> <a title="Future Banking Summer 2015 + Archive page 17" href="http://viewer.zmags.com/publication/3e50f8a9?page=17"> Insight > Digital banking Private enterpri</a> <a title="Future Banking Summer 2015 + Archive page 18" href="http://viewer.zmags.com/publication/3e50f8a9?page=18"> Insight > Digital banking </a> <a title="Future Banking Summer 2015 + Archive page 19" href="http://viewer.zmags.com/publication/3e50f8a9?page=19"> Insight > Digital banking </a> <a title="Future Banking Summer 2015 + Archive page 20" href="http://viewer.zmags.com/publication/3e50f8a9?page=20"> Company insight > Digital banking Automation fo</a> <a title="Future Banking Summer 2015 + Archive page 21" href="http://viewer.zmags.com/publication/3e50f8a9?page=21"> Company insight > Digital banking solution beca</a> <a title="Future Banking Summer 2015 + Archive page 22" href="http://viewer.zmags.com/publication/3e50f8a9?page=22"> Insight > Data centres Do it yourself As financia</a> <a title="Future Banking Summer 2015 + Archive page 23" href="http://viewer.zmags.com/publication/3e50f8a9?page=23"> Insight > Data centres facility. The UK is a go</a> <a title="Future Banking Summer 2015 + Archive page 24" href="http://viewer.zmags.com/publication/3e50f8a9?page=24"> Company insight > Data centres Modular solution</a> <a title="Future Banking Summer 2015 + Archive page 25" href="http://viewer.zmags.com/publication/3e50f8a9?page=25"> Company insight > Data centres </a> <a title="Future Banking Summer 2015 + Archive page 26" href="http://viewer.zmags.com/publication/3e50f8a9?page=26"> Company insight > Data centres Data centres and</a> <a title="Future Banking Summer 2015 + Archive page 27" href="http://viewer.zmags.com/publication/3e50f8a9?page=27"> Company insight > Data centres </a> <a title="Future Banking Summer 2015 + Archive page 28" href="http://viewer.zmags.com/publication/3e50f8a9?page=28"> Insight > Data centres core Solid to the As bank</a> <a title="Future Banking Summer 2015 + Archive page 29" href="http://viewer.zmags.com/publication/3e50f8a9?page=29"> Insight > Data centres “Our investment in d</a> <a title="Future Banking Summer 2015 + Archive page 30" href="http://viewer.zmags.com/publication/3e50f8a9?page=30"> Insight > Payments Endless</a> <a title="Future Banking Summer 2015 + Archive page 31" href="http://viewer.zmags.com/publication/3e50f8a9?page=31"> A s smartphone penetration </a> <a title="Future Banking Summer 2015 + Archive page 32" href="http://viewer.zmags.com/publication/3e50f8a9?page=32"> Insight > Payments The financial times As well </a> <a title="Future Banking Summer 2015 + Archive page 33" href="http://viewer.zmags.com/publication/3e50f8a9?page=33"> Insiight>Payments Wearable payments: from hype t</a> <a title="Future Banking Summer 2015 + Archive page 34" href="http://viewer.zmags.com/publication/3e50f8a9?page=34"> Insight > Payments unavoidable juggernaut in 20</a> <a title="Future Banking Summer 2015 + Archive page 35" href="http://viewer.zmags.com/publication/3e50f8a9?page=35"> Insiight>Payments vendors – wearables present a</a> <a title="Future Banking Summer 2015 + Archive page 36" href="http://viewer.zmags.com/publication/3e50f8a9?page=36"> Company insight > Payments Time to unearth the </a> <a title="Future Banking Summer 2015 + Archive page 37" href="http://viewer.zmags.com/publication/3e50f8a9?page=37"> Company insight > Payments SEPA could still be</a> <a title="Future Banking Summer 2015 + Archive page 38" href="http://viewer.zmags.com/publication/3e50f8a9?page=38"> Company insight > Payments More than a digital </a> <a title="Future Banking Summer 2015 + Archive page 39" href="http://viewer.zmags.com/publication/3e50f8a9?page=39"> Company insight > Payments The app is acces</a> <a title="Future Banking Summer 2015 + Archive page 40" href="http://viewer.zmags.com/publication/3e50f8a9?page=40"> Company insight > Payments Paradigm shifts: mob</a> <a title="Future Banking Summer 2015 + Archive page 41" href="http://viewer.zmags.com/publication/3e50f8a9?page=41"> Company insight > Payments Layered approach to m</a> <a title="Future Banking Summer 2015 + Archive page 42" href="http://viewer.zmags.com/publication/3e50f8a9?page=42"> Company insight > Payments A global digital pay</a> <a title="Future Banking Summer 2015 + Archive page 43" href="http://viewer.zmags.com/publication/3e50f8a9?page=43"> Company insight > Payments them if they want to</a> <a title="Future Banking Summer 2015 + Archive page 44" href="http://viewer.zmags.com/publication/3e50f8a9?page=44"> Company insight > Payments Enterprise fraud and</a> <a title="Future Banking Summer 2015 + Archive page 45" href="http://viewer.zmags.com/publication/3e50f8a9?page=45"> Company insight > Payments iDETECT provides </a> <a title="Future Banking Summer 2015 + Archive page 46" href="http://viewer.zmags.com/publication/3e50f8a9?page=46"> Insight > Payments </a> <a title="Future Banking Summer 2015 + Archive page 47" href="http://viewer.zmags.com/publication/3e50f8a9?page=47"> Insight > Payments C ons</a> <a title="Future Banking Summer 2015 + Archive page 48" href="http://viewer.zmags.com/publication/3e50f8a9?page=48"> Insight > Payments Netherlands, while still lo</a> <a title="Future Banking Summer 2015 + Archive page 49" href="http://viewer.zmags.com/publication/3e50f8a9?page=49"> The Future Banking Dining Club is an exclusive, i</a> <a title="Future Banking Summer 2015 + Archive page 50" href="http://viewer.zmags.com/publication/3e50f8a9?page=50"> Company insight > Customer experience management </a> <a title="Future Banking Summer 2015 + Archive page 51" href="http://viewer.zmags.com/publication/3e50f8a9?page=51"> Company insight > Customer experience management </a> <a title="Future Banking Summer 2015 + Archive page 52" href="http://viewer.zmags.com/publication/3e50f8a9?page=52"> Insight > Customer experience management A device</a> <a title="Future Banking Summer 2015 + Archive page 53" href="http://viewer.zmags.com/publication/3e50f8a9?page=53"> Insight > Customer experience management and mo</a> <a title="Future Banking Summer 2015 + Archive page 54" href="http://viewer.zmags.com/publication/3e50f8a9?page=54"> Insight > Customer experience management It's a</a> <a title="Future Banking Summer 2015 + Archive page 55" href="http://viewer.zmags.com/publication/3e50f8a9?page=55"> Insight > Cybersecurity Massive attack Create any</a> <a title="Future Banking Summer 2015 + Archive page 56" href="http://viewer.zmags.com/publication/3e50f8a9?page=56"> Insight > Cybersecurity “For the past two y</a> <a title="Future Banking Summer 2015 + Archive page 57" href="http://viewer.zmags.com/publication/3e50f8a9?page=57"> Insight > Cybersecurity So we've come a long wa</a> <a title="Future Banking Summer 2015 + Archive page 58" href="http://viewer.zmags.com/publication/3e50f8a9?page=58"> Company insight > Cybersecurity No surprises F</a> <a title="Future Banking Summer 2015 + Archive page 59" href="http://viewer.zmags.com/publication/3e50f8a9?page=59"> Company insight > Cybersecurity </a> <a title="Future Banking Summer 2015 + Archive page 60" href="http://viewer.zmags.com/publication/3e50f8a9?page=60"> Insiight>Tallentmanagement </a> <a title="Future Banking Summer 2015 + Archive page 61" href="http://viewer.zmags.com/publication/3e50f8a9?page=61"> IInsiightt>Tallenttmanagementt fix it,” he expl</a> <a title="Future Banking Summer 2015 + Archive page 62" href="http://viewer.zmags.com/publication/3e50f8a9?page=62"> Insight > Talent management “What banks gene</a> <a title="Future Banking Summer 2015 + Archive page 63" href="http://viewer.zmags.com/publication/3e50f8a9?page=63"> Share our dream Imagine that you are able to take</a> <a title="Future Banking Summer 2015 + Archive page 64" href="http://viewer.zmags.com/publication/3e50f8a9?page=64"> We are the ones who help banks delight customers </a>