Contents
In this issue 8
6 News in numbers The headlines and vital statistics impacting the sector.
Big interview
8 Turin’s technological dominance
Italian banks have traditionally been slower to go digital compared with their cousins north of the Alps, and nowhere is that truer than at Italy’s biggest financial institution, Intesa Sanpaolo. Andrea Valentino catches up with Massimo Proverbio, Intesa’s chief IT digital and innovation officer, to learn more about how his institution is on its way to becoming Italy’s most technologically advanced bank.
Regional focus
11 Poland’s banking dynamism Poland is quickly building a reputation as one of Europe’s banking hot spots, with its banks both dynamic and open to innovation. But how long can they sustain the pace of change? Abi Millar talks to Lukasz Wiktor, director of the omnichannel department at mBank; Andrzej Sierpinski, managing director at FINANTEQ; and Piotr Kowynia, CEO of Nest Bank, to find out.
4 Digital banking
14 Buy now, pay later With digitalisation increasing every year, banks now face an existential threat from ‘buy now, pay later’ (BNPL) providers. Martin Morris talks to Antony Stephen, spokesperson for BNPL at Barclays and CEO of Barclays POS finance business; Juan José Solís, global head of consumer finance, open innovation and new business models at BBVA; and Eduardo Flores, BBVA’s global programme manager BNPL, about where the industry is now – and where it is heading.
17 Achieving peak performance in payments SmartStream
Governance, risk & compliance
20 The mortgage market faces an energy-efficient revolution Banks have long been pressured to boost the sustainability of their own investments – but what about those of their clients? Jim Banks talks to Luca Bertalot at the Energy Efficient Mortgages Initiative; Therese Ruth of Hemma; and Craig Calder at Barclays, to understand how ‘energy-
14 Future Banking /
www.nsbanking.com
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