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they’ve seen in modern times. Andrew Tunnicliffe speaks with some of the sector’s key opinion leaders to find out what banking in modern Britain looks like – and how shared hubs could become the answer to some of banking’s toughest questions.
Data centres
33 Head in the clouds It’s an almost endless debate across financial data centres: physical or cloud? Though many banks still feel more comfortable hosting their own facilities on-site, cloud solutions are emerging as a simpler and greener alternative. Abi Millar delves into this rapidly changing – and increasingly sustainable – field by talking to Alex Rabbetts, managing director of the European Data Centre Association and Ricardo Jantarada, global head of telecom and datacenter at BNP Paribas CIB.
Customer experience management
36 Refining customer experience In an era of increasing consumer disloyalty, banks must be more attuned than ever to improving the customer experience for customers. And if that means setting up fully fledged ‘innovation labs’ to address this core issue – as well as staying ahead of the pack more generally – then so be it. Martin Morris talks to Dirk Elsner, senior manager innovation and digitisation at DZ Bank; Laurent
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Darmon, CEO at La Fabrique by CA; and Pascual de Juan, the innovation labs director at BBVA, to find out more.
Payments
39 Banking on the blockchain Due to launch later next year, Fnality promises to revolutionise international payments. Backed by a consortium of major financial institutions, the platform will use blockchain to deliver near-instant payment-on-chain across wholesale banking markets. Tal Abdulrazaq talks to Rhomaios Ram, CEO of Fnality International; Samantha Emery, head of function at Lloyds and Jan Lebbe, change manager, financial markets group treasury at ING, to understand the thinking behind the scheme, how it could speed up payments for banks and consumers alike, and if Fnality could presage mainstream banks embracing crypto tech more broadly.
42 Finding gold in a mountain of data Intix
Governance, risk and compliance
44 Weaponising finance With Russia’s banking sector a target of international sanctions, the impact on the global banking sector has been severe. Andrew Tunnicliffe speaks with banker and co-chair of the legal and regulatory affairs committee at the Financial and International Business Association Daniel Gutierrez, as well as economist Nicolas Véron, to understand how banks’ day-to-day operations have been caught in the crossfire.
48 Check your green credentials Sustainable investment has long been a watchword for banks across Europe – especially with new EU rules forcing institutions to be more transparent. Nor is this merely a theoretical risk: German police recently raided Deutsche Bank’s offices claiming the institution had misled investors over green investments, even as the European Green Deal was specifically created to make the EU economy more sustainable and inclusive. Nikki Peach talks to Werner Hoyer, president of the European Investment Bank (EIB), to understand how it ensures its investments are truly green, how sustainability can support both a bank’s reputation and its bottom line – and how new rules might accelerate developments.
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