If you are visually impaired or blind, you can visit the PDF version by Pressing CONTROL + ALT + 4
<br /> www.banking-gateway.com Winter 2016<br /> £<br /> Bright ideas<br /> James McMorrow of Lloyds Banking Group discusses going beyond<br /> compliance for the new EU payment services directive<br /> Data centres • Digital banking • customer experience management • payments<br /> FrauD prevention & security • robotic process automation<br /> smartstreamrdu.com<br /> Simplifying Reference Data.<br /> Together.<br /> Established as an industry utility based on the principle of market<br /> commonality, collaboration and contribution, The SmartStream Reference<br /> Data Utility (RDU) delivers a cost e cient approach to realize the truth of<br /> the data contained within the industry with guaranteed results.<br /> Managing data holistically across legal entity, instrument and corporate<br /> action data, this shared service model promotes xes to da<a title="Future Banking Winter 2016 page 1" href="http://viewer.zmags.com/publication/f1f3f878?page=1"> www.banking-gateway.com </a> <a title="Future Banking Winter 2016 page 2" href="http://viewer.zmags.com/publication/f1f3f878?page=2"> smartstreamrdu.com Simplifying Reference Data</a> <a title="Future Banking Winter 2016 page 3" href="http://viewer.zmags.com/publication/f1f3f878?page=3"> From the editor On the web... On the web... </a> <a title="Future Banking Winter 2016 page 4" href="http://viewer.zmags.com/publication/f1f3f878?page=4"> Kaspersky® Embedded Systems Security Secure your</a> <a title="Future Banking Winter 2016 page 5" href="http://viewer.zmags.com/publication/f1f3f878?page=5"> Contents Cover story The latest biometrics updat</a> <a title="Future Banking Winter 2016 page 6" href="http://viewer.zmags.com/publication/f1f3f878?page=6"> Contents 38 The right API works like </a> <a title="Future Banking Winter 2016 page 7" href="http://viewer.zmags.com/publication/f1f3f878?page=7"> http://www.veridiumid.com Replace password</a> <a title="Future Banking Winter 2016 page 8" href="http://viewer.zmags.com/publication/f1f3f878?page=8"> The intelligence > News & vital statistics News</a> <a title="Future Banking Winter 2016 page 9" href="http://viewer.zmags.com/publication/f1f3f878?page=9"> The intelligence > News & vital statistics £50 mi</a> <a title="Future Banking Winter 2016 page 10" href="http://viewer.zmags.com/publication/f1f3f878?page=10"> Company insight > Fraud prevention & security A</a> <a title="Future Banking Winter 2016 page 11" href="http://viewer.zmags.com/publication/f1f3f878?page=11"> Company insight > Fraud prevention & security </a> <a title="Future Banking Winter 2016 page 12" href="http://viewer.zmags.com/publication/f1f3f878?page=12"> Insight > Fraud prevention & security </a> <a title="Future Banking Winter 2016 page 13" href="http://viewer.zmags.com/publication/f1f3f878?page=13"> Insight > Fraud prevention & security Accord</a> <a title="Future Banking Winter 2016 page 14" href="http://viewer.zmags.com/publication/f1f3f878?page=14"> Insight > Fraud prevention & security issues ar</a> <a title="Future Banking Winter 2016 page 15" href="http://viewer.zmags.com/publication/f1f3f878?page=15"> The Future Banking Dining Club is an exclusive, i</a> <a title="Future Banking Winter 2016 page 16" href="http://viewer.zmags.com/publication/f1f3f878?page=16"> Company insight > Fraud prevention & security B</a> <a title="Future Banking Winter 2016 page 17" href="http://viewer.zmags.com/publication/f1f3f878?page=17"> Company insight > Fraud prevention & security </a> <a title="Future Banking Winter 2016 page 18" href="http://viewer.zmags.com/publication/f1f3f878?page=18"> Company insight > Fraud prevention & security A</a> <a title="Future Banking Winter 2016 page 19" href="http://viewer.zmags.com/publication/f1f3f878?page=19"> Company insight > Fraud prevention & security v</a> <a title="Future Banking Winter 2016 page 20" href="http://viewer.zmags.com/publication/f1f3f878?page=20"> Insight > Fraud prevention & security Protect and</a> <a title="Future Banking Winter 2016 page 21" href="http://viewer.zmags.com/publication/f1f3f878?page=21"> Insight > Fraud prevention & security digital-g</a> <a title="Future Banking Winter 2016 page 22" href="http://viewer.zmags.com/publication/f1f3f878?page=22"> Insight > Fraud prevention & security between s</a> <a title="Future Banking Winter 2016 page 23" href="http://viewer.zmags.com/publication/f1f3f878?page=23"> scale and scope Go ahead and reap the benefits</a> <a title="Future Banking Winter 2016 page 24" href="http://viewer.zmags.com/publication/f1f3f878?page=24"> Company insight > Fraud prevention & security S</a> <a title="Future Banking Winter 2016 page 25" href="http://viewer.zmags.com/publication/f1f3f878?page=25"> Company insight > Fraud prevention & security </a> <a title="Future Banking Winter 2016 page 26" href="http://viewer.zmags.com/publication/f1f3f878?page=26"> YOUR BENEFICIAL OWNERSHIP PAIN POINTS? Our market</a> <a title="Future Banking Winter 2016 page 27" href="http://viewer.zmags.com/publication/f1f3f878?page=27"> Learn how Actimize's Customer Due Diligence Suite</a> <a title="Future Banking Winter 2016 page 28" href="http://viewer.zmags.com/publication/f1f3f878?page=28"> Company insight > Fraud prevention & security P</a> <a title="Future Banking Winter 2016 page 29" href="http://viewer.zmags.com/publication/f1f3f878?page=29"> Company insight > Fraud prevention & security </a> <a title="Future Banking Winter 2016 page 30" href="http://viewer.zmags.com/publication/f1f3f878?page=30"> SURVEILLANCE SOFTWARE SSM - Smart Security Manage</a> <a title="Future Banking Winter 2016 page 31" href="http://viewer.zmags.com/publication/f1f3f878?page=31"> Company insight > Fraud prevention & security V</a> <a title="Future Banking Winter 2016 page 32" href="http://viewer.zmags.com/publication/f1f3f878?page=32"> Insight > Fraud prevention & security Reinforce t</a> <a title="Future Banking Winter 2016 page 33" href="http://viewer.zmags.com/publication/f1f3f878?page=33"> Insight > Fraud prevention & security Łupkow</a> <a title="Future Banking Winter 2016 page 34" href="http://viewer.zmags.com/publication/f1f3f878?page=34"> Insight > Fraud prevention & security exchangin</a> <a title="Future Banking Winter 2016 page 35" href="http://viewer.zmags.com/publication/f1f3f878?page=35"> Insight > Payments Payments withoutborders Two ye</a> <a title="Future Banking Winter 2016 page 36" href="http://viewer.zmags.com/publication/f1f3f878?page=36"> Insight > Payments </a> <a title="Future Banking Winter 2016 page 37" href="http://viewer.zmags.com/publication/f1f3f878?page=37"> Insight > Payments to find a solution on how to</a> <a title="Future Banking Winter 2016 page 38" href="http://viewer.zmags.com/publication/f1f3f878?page=38"> Company insight > Payments The right API works </a> <a title="Future Banking Winter 2016 page 39" href="http://viewer.zmags.com/publication/f1f3f878?page=39"> Company insight > Payments of the worlds larges</a> <a title="Future Banking Winter 2016 page 40" href="http://viewer.zmags.com/publication/f1f3f878?page=40"> Company insight > Payments Partnership platform</a> <a title="Future Banking Winter 2016 page 41" href="http://viewer.zmags.com/publication/f1f3f878?page=41"> Company insight > Payments </a> <a title="Future Banking Winter 2016 page 42" href="http://viewer.zmags.com/publication/f1f3f878?page=42"> Insight > Payments Step itup The publication of t</a> <a title="Future Banking Winter 2016 page 43" href="http://viewer.zmags.com/publication/f1f3f878?page=43"> Insight > Payments There are a number of si</a> <a title="Future Banking Winter 2016 page 44" href="http://viewer.zmags.com/publication/f1f3f878?page=44"> Insight > Payments Ba</a> <a title="Future Banking Winter 2016 page 45" href="http://viewer.zmags.com/publication/f1f3f878?page=45"> Company insight > Payments Collaborate to win t</a> <a title="Future Banking Winter 2016 page 46" href="http://viewer.zmags.com/publication/f1f3f878?page=46"> Company insight > Payments Security as a servic</a> <a title="Future Banking Winter 2016 page 47" href="http://viewer.zmags.com/publication/f1f3f878?page=47"> Company insight > Payments Consumers are now be</a> <a title="Future Banking Winter 2016 page 48" href="http://viewer.zmags.com/publication/f1f3f878?page=48"> Company insight > Customer experience management </a> <a title="Future Banking Winter 2016 page 49" href="http://viewer.zmags.com/publication/f1f3f878?page=49"> Company insight > Customer experience management </a> <a title="Future Banking Winter 2016 page 50" href="http://viewer.zmags.com/publication/f1f3f878?page=50"> Insight > Customer experience management Go omn</a> <a title="Future Banking Winter 2016 page 51" href="http://viewer.zmags.com/publication/f1f3f878?page=51"> The move was widely welcomed. Seen by many as </a> <a title="Future Banking Winter 2016 page 52" href="http://viewer.zmags.com/publication/f1f3f878?page=52"> Insight > Customer experience management </a> <a title="Future Banking Winter 2016 page 53" href="http://viewer.zmags.com/publication/f1f3f878?page=53"> Special report > SME banking The SME: not just an</a> <a title="Future Banking Winter 2016 page 54" href="http://viewer.zmags.com/publication/f1f3f878?page=54"> Special rfeaptourrte>>SSMEEbbaannkkiningg Th</a> <a title="Future Banking Winter 2016 page 55" href="http://viewer.zmags.com/publication/f1f3f878?page=55"> Special report > SME banking Simple, dynamic an</a> <a title="Future Banking Winter 2016 page 56" href="http://viewer.zmags.com/publication/f1f3f878?page=56"> Special report > SME banking The `just gett</a> <a title="Future Banking Winter 2016 page 57" href="http://viewer.zmags.com/publication/f1f3f878?page=57"> Special report > SME banking </a> <a title="Future Banking Winter 2016 page 58" href="http://viewer.zmags.com/publication/f1f3f878?page=58"> Special report > SME banking “In 2012, we a</a> <a title="Future Banking Winter 2016 page 59" href="http://viewer.zmags.com/publication/f1f3f878?page=59"> Special report > SME banking </a> <a title="Future Banking Winter 2016 page 60" href="http://viewer.zmags.com/publication/f1f3f878?page=60"> Special report > SME banking Priceless: a new loo</a> <a title="Future Banking Winter 2016 page 61" href="http://viewer.zmags.com/publication/f1f3f878?page=61"> Insight > Data centres The sky's the limit L</a> <a title="Future Banking Winter 2016 page 62" href="http://viewer.zmags.com/publication/f1f3f878?page=62"> Insight > Data centres </a> <a title="Future Banking Winter 2016 page 63" href="http://viewer.zmags.com/publication/f1f3f878?page=63"> Insight > Data centres The letter of the law Wi</a> <a title="Future Banking Winter 2016 page 64" href="http://viewer.zmags.com/publication/f1f3f878?page=64"> Company insight > Data centres Bold decisions: </a> <a title="Future Banking Winter 2016 page 65" href="http://viewer.zmags.com/publication/f1f3f878?page=65"> Company insight > Data centres banks' success i</a> <a title="Future Banking Winter 2016 page 66" href="http://viewer.zmags.com/publication/f1f3f878?page=66"> Company insight > Data centres Data: centre of </a> <a title="Future Banking Winter 2016 page 67" href="http://viewer.zmags.com/publication/f1f3f878?page=67"> Company insight > Data centres solutions market</a> <a title="Future Banking Winter 2016 page 68" href="http://viewer.zmags.com/publication/f1f3f878?page=68"> Company insight > Data centres Adapt and thrive</a> <a title="Future Banking Winter 2016 page 69" href="http://viewer.zmags.com/publication/f1f3f878?page=69"> Company insight > Data centres The sheer vol</a> <a title="Future Banking Winter 2016 page 70" href="http://viewer.zmags.com/publication/f1f3f878?page=70"> Insight > CDoartea bceantkriensg systems On </a> <a title="Future Banking Winter 2016 page 71" href="http://viewer.zmags.com/publication/f1f3f878?page=71"> Insight > Data centres The firm has been vo</a> <a title="Future Banking Winter 2016 page 72" href="http://viewer.zmags.com/publication/f1f3f878?page=72"> Insight > Data centres co-location far outweigh</a> <a title="Future Banking Winter 2016 page 73" href="http://viewer.zmags.com/publication/f1f3f878?page=73"> In partnership with: Data management In ass</a> <a title="Future Banking Winter 2016 page 74" href="http://viewer.zmags.com/publication/f1f3f878?page=74"> SmartStream > Data management Available u</a> <a title="Future Banking Winter 2016 page 75" href="http://viewer.zmags.com/publication/f1f3f878?page=75"> SmartStream > Data management At the same </a> <a title="Future Banking Winter 2016 page 76" href="http://viewer.zmags.com/publication/f1f3f878?page=76"> SmartStream > Data management Data management rea</a> <a title="Future Banking Winter 2016 page 77" href="http://viewer.zmags.com/publication/f1f3f878?page=77"> supporting risk management reporting and g overna</a> <a title="Future Banking Winter 2016 page 78" href="http://viewer.zmags.com/publication/f1f3f878?page=78"> SmartStream > Data management Future preparati</a> <a title="Future Banking Winter 2016 page 79" href="http://viewer.zmags.com/publication/f1f3f878?page=79"> SmartStream > Data management View on operation</a> <a title="Future Banking Winter 2016 page 80" href="http://viewer.zmags.com/publication/f1f3f878?page=80"> smartstreamrdu.com Simplifying Reference Data</a> <a title="Future Banking Winter 2016 page 81" href="http://viewer.zmags.com/publication/f1f3f878?page=81"> Share the load Insight > Robot</a> <a title="Future Banking Winter 2016 page 82" href="http://viewer.zmags.com/publication/f1f3f878?page=82"> Insight > Robotic process automation moment whe</a> <a title="Future Banking Winter 2016 page 83" href="http://viewer.zmags.com/publication/f1f3f878?page=83"> Insight > Robotic process automation </a> <a title="Future Banking Winter 2016 page 84" href="http://viewer.zmags.com/publication/f1f3f878?page=84"> Company insight > Robotic process automation Th</a> <a title="Future Banking Winter 2016 page 85" href="http://viewer.zmags.com/publication/f1f3f878?page=85"> Company insight > Robotic process automation </a> <a title="Future Banking Winter 2016 page 86" href="http://viewer.zmags.com/publication/f1f3f878?page=86"> You Have the Data. We Have the Indicators of Comp</a> <a title="Future Banking Winter 2016 page 87" href="http://viewer.zmags.com/publication/f1f3f878?page=87"> Insight > Digital banking Block party With many i</a> <a title="Future Banking Winter 2016 page 88" href="http://viewer.zmags.com/publication/f1f3f878?page=88"> Insight > Digital banking The original fram</a> <a title="Future Banking Winter 2016 page 89" href="http://viewer.zmags.com/publication/f1f3f878?page=89"> Insight > Digital banking default consensus, pe</a> <a title="Future Banking Winter 2016 page 90" href="http://viewer.zmags.com/publication/f1f3f878?page=90"> Company insight > Digital banking What to expec</a> <a title="Future Banking Winter 2016 page 91" href="http://viewer.zmags.com/publication/f1f3f878?page=91"> Company insight > Digital banking then just tel</a> <a title="Future Banking Winter 2016 page 92" href="http://viewer.zmags.com/publication/f1f3f878?page=92"> Start from scratch Insight > Digital banki</a> <a title="Future Banking Winter 2016 page 93" href="http://viewer.zmags.com/publication/f1f3f878?page=93"> Insight > Digital banking In leading a next</a> <a title="Future Banking Winter 2016 page 94" href="http://viewer.zmags.com/publication/f1f3f878?page=94"> Insight > Digital banking frequent acquisitions</a> <a title="Future Banking Winter 2016 page 95" href="http://viewer.zmags.com/publication/f1f3f878?page=95"> geb.com </a> <a title="Future Banking Winter 2016 page 96" href="http://viewer.zmags.com/publication/f1f3f878?page=96"> THIS YEAR $593 BILLION WILL BE SPENT ON DL PROJEC</a>