Contents 11


In this issue


6 News & numbers


The headlines and vital statistics impacting the sector.


Big interview


8 Embracing digitalisation Every bank is rushing to embrace the latest technology – but few have such a storied history at being first as BNP Paribas. Getting customers and staff comfortable with new systems is one challenge, as is the perennial struggle of keeping clients and their information safe. Andrea Valentino chats to Bernard Gavgani, the group CIO at BNP Paribas, to learn more.


Special report


11 What's on the cards for neobanks? How have Europe’s challenger banks been adapting to the new normal? While the pandemic has forced the need for digital-first business models, the economic crisis has hit neobanks just as hard as incumbents. Abi Millar profiles the likes of bunq and neon to discover what challenger banks have been doing to stay afloat over the past year.


Employee experience


14 Banking on HR tech UKG


4 Future Banking / www.nsbanking.com Data centres


16 Centres vs the cloud: riding out the data wave


Banks need to differentiate themselves from their competitors through innovative services, personalisation and performance. With the help of Brendan Donovan, global head of IT infrastructure at Internationale Nederlanden Groep (ING), Jim Banks examines how banks are approaching the choice between operating their own data centres and using the cloud.


19 Data centres and the carbon catastrophe The power consumption of the energy-hungry server racks that feed our data needs is causing concern about carbon emissions. Jim Banks


8


speaks to Ian Haynes, HSBC’s head of global cloud services, and George Kamiya, emerging technologies analyst at the International Energy Agency, about how to manage the carbon footprint of data centres.


22 Green light for financial digital transformation Green


Digital banking


24 Is digitalisation changing our horizons?


Having revolutionised banking before 2020, digitalisation has been given a colossal boost by the pandemic. Andrea Valentino talks to Finja Carolin Kütz, the group chief transformation officer at UniCredit,


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