Perspectives

Without Careful Management, E-Mail Can Become a Liability July 29, 2008
Technologies can help banks protect customers from e-mail fraud while keeping e-mail from becoming a productivity and legal liability.

E-Mail Fraud Comes in Many Shapes July 29, 2008
Each bank must determine the specific type of fraud it wishes to protect against and then target the use of technologies to minimize or avoid that threat.

The Truth Is, E-Mail Security Can Never Be 100 Percent Effective July 29, 2008
A bank's best bet is to be in a position to defend itself and detect wrongdoing as soon as possible after an e-mail security breach.

Banks Should Empower Recipients in the Fight Against E-Mail Fraud July 29, 2008
In addition to implementing authentication protocols, banks should ensure that e-mail recipients understand e-mail dangers and control their own fates.

The E-Mail Archive Can Also Serve as a Security Solution July 29, 2008
Implementing an e-mail archiving solution will enable banks to detect security breaches and flag potential violations for a compliance officer.

The Credit Crisis Leaves Far-Reaching Consequences for the Banking Industry. June 24, 2008
Weathering the fallout of the credit crisis, banks will need to transform their lending, underwriting and credit risk management practices.

In Wake of Credit Crunch, Service Remains Key to Profits June 24, 2008
Even amid economic turmoil and looming regulatory changes, making a profit, exceeding customer expectations and maintaining a knowledgeable staff remain the cornerstones to good business.

Automation Allows Banks to Better Navigate Compliance and Risk Management June 24, 2008
By shrewdly leveraging existing and emerging technology, banks can optimize risk management practices and stay ahead of changing regulations.

In the Aftermath of the Credit Crisis, Some Banks See a Silver Lining June 24, 2008
Despite the ramifications of the credit crunch on a wide range of lending lines, many banks -- particularly community banks -- are finding new opportunities in its wake.

Effective Risk Management Demands Transparency Across Organization June 24, 2008
Banks' senior managers, boards, and risk controllers -- the risk trinity -- must work together to achieve a robust, balanced approach to valuation practices, liquidity management and data analysis.

Banks Leverage New Telepresence Technologies to Enhance Services and Processes May 26, 2008
Telepresence and videoconferencing promise to improve customer service, cross-selling efforts, training, and more — but how can banks best utilize the emerging technologies?

As Vendors Introduce Less-Expensive Technologies, Banks Can Capitalize on the Promise of Videoconferencing and Telepresence May 26, 2008
By allowing participants to see and read each other's body language, telepresence and videoconferencing bolster customer confidence and satisfaction as well as enhance interoffice communications such as training sessions, meetings and interviews.

Telepresence Allows Banks to Bring Together Global Resources While Offering Quick Return on Investment May 26, 2008
To best utilize telepresence to improve customer satisfaction and realize enhanced productivity, banks should consider choosing flexible configurations and multipoint capabilities.

As Telepresence Becomes More Common in Banking, Use Will Expand to Intercompany Applications May 26, 2008
To communicate with the greatest number of customers, partners, vendors, and employees, banks can explore a variety of in-house and outsourced telepresence solutions.

Telepresence Solutions Help Organizations Enhance Customer Service, Performance and Operations May 26, 2008
As vendors continue to broaden the telepresence portfolio and banks evolve their network and IT infrastructure, real-time video communication will become increasingly standard.

Data Warehouses Permit a Holistic View of Customers’ Activities April 28, 2008
Data warehouses and automated transaction monitoring systems are valuable risk-assessment tools that allow banks a clear view of customers' universe of activity.

Integrating Systems Essential to AML and SAR Compliance April 28, 2008
To follow regulators' requirements, banks must leverage and coordinate compliance, risk management and IT department efforts.

Shrewd Leveraging of Technology and Staff Key to Achieving Cost-Effective AML Compliance April 28, 2008
By automating and streamlining procedures and data management, as well as continually enhancing employees' skills, banks can improve productivity and effectively balance compliance with cost-cutting.

AML Efforts Intensify April 28, 2008
As banks look to step up efforts to monitor their customers' financial activities and comply with increasingly stringent anti-money laundering regulations, what kinds of technologies, processes and information are essential to building an effective and accurate AML program? And what new AML challenges are banks likely to face in coming months?

Knowledgeable Personnel and Flexible AML/CFT Programs Are Banks’ First, Best Line of Defense April 25, 2008
In conjunction with training and empowering staff, banks must develop adaptable, robust programs to comply with changing AML/CFT guidelines.

Corporate Clients Increasingly Looking to Banks to Mitigate Trade Finance Risks March 27, 2008
Corporations operating in the current economic turmoil increasingly are turning to their banks to serve as financial intermediaries between them and their trading partners to mitigate supply chain risk.

The Credit Crisis Has Increased Scrutiny on Trade Finance March 27, 2008
The global credit crisis has emphasized the importance of cash management while intensifying the spotlight on corporate governance and banks' risk management practices. What new demands will corporates place on their banks in the current uncertain economic environment, and how can banks pursue growth opportunities in global trade finance?

By Understanding the Supply Chain, Savvy Banks Can Grow Their Trade Finance Business March 27, 2008
By supporting their clients' suppliers, banks can reach deeper into the supply chain and create opportunities to increase their trade finance business.

Centralized and Single-Platform Operations Reduce Overall Trade Finance Risk March 27, 2008
Burdened with stricter compliance and regulatory requirements, banks with centralized operations and banks with all of their operations on a single platform face lower risk in expanding their trade finance operations.

Trade Debt Continues to Be an Attractive Investment Option in a Shaky Global Economy March 27, 2008
In a global economy rocked by subprime debt defaults, trade debt should continue to be looked at as a stable investment opportunity, thanks to both time-tested and cutting-edge tools to provide for the financing and settlement of commercial transactions.

Health Savings Accounts Present Huge Opportunity to Banks February 29, 2008
Health Savings Accounts HSAs offer banks an opportunity to attract new deposits and deepen business banking relationships. But the extent to which they must service account holders, plus banks' ability to navigate regulatory requirements, may determine if they can seize that opportunity.

First Tennessee Bank Expands Deposits Footprint February 21, 2008
First Tennessee Bank launched remote deposit capture in 2003 as a way to expand its deposits beyond its traditional footprint.

Remote Deposit Capture Poised for Explosive Growth February 21, 2008
Remote deposit capture has the potential to do for business customers what ATMs and debit cards have done for retail customers through self-service and convenient 24/7 access.

More Banks Adopting Remote Deposit Capture Solutions February 21, 2008
A growing number of financial institutions have embraced remote deposit capture as a viable small and midsize business solution.

Banks Will Face Competition in the RDC Space February 21, 2008
Third parties that can decouple remote deposit capture from the deposit relationship may pose a threat to banks in the payments space.

Banks Eye Wealth Management Market December 23, 2007
As baby boomers transition into retirement, the wealth management market is more promising than ever. To grab a piece of this lucrative opportunity, banks must deploy analytics to segment and identify the needs of consumers and develop customer-centric offerings.

Online Account Opening Provides Myriad Benefits to Retail Banks November 11, 2007
Online Account Opening From processing efficiencies to competitive differentiation, online account opening offers myriad benefits to retail banks. A successful online account-opening program, however, requires the right products and capabilities, including fraud protection and real-time decisioning.

Banks Are the First Line of Defense Against Money Laundering October 01, 2007
Databases and modeling tools are among the systems helping banks analyze the data required to understand customers, monitor millions of transactions and identify suspicious behavior.

Bank CIOs Must Combine Tech Expertise With Business Acumen September 01, 2007
Bank CIOs these days must be tech savvy and have good business sense, but they also must be capable of dealing with an accelerated pace of change on an increasingly global stage.

Bank IT Organizations Must Balance Risks and Rewards of Technology Innovation August 01, 2007
Banks that seek competitive advantage through technology innovation, such as implementation of Web 2.0 technologies such as blogs and wikis, must balance the risks with the marketing opportunities.

Bank IT Organizations Must Balance Risks and Rewards of Technology Innovation August 01, 2007
Banks that seek competitive advantage through technology innovation, such as implementation of Web 2.0 technologies such as blogs and wikis, must balance the risks with the marketing opportunities.

Bank Execs Discuss ATM Technology Developments July 22, 2007
ATMs Technology developments and functionality enhancements, as well as emerging global economies, offer opportunities for ATM advancement.

Bank Tech Experts Debate The Business Case For A Core Systems Transformation May 24, 2007
To enable more agile business processes and improve service, banks must transform their legacy core systems. But given the resources required, the business case for a core systems transformation and the selection of a solution must be based on delivering long-term value.

Bank Tech Experts Discuss Vendor Relationships May 07, 2007
Increasing security, oursourcing and offshoring are among issues of concern.

What It Takes to Serve the Small and Mid-Size Business Market March 30, 2007
Small and Mid-Size Business Market Banks looking to build their presence in the small and mid-size business market should focus on providing online tools that can help these customers become more efficient in handling their cash management and payment needs.

New E-Discovery Rules Pose Challenges for Banks February 26, 2007
Banks need to focus on putting policies in place to govern electronic information, say experts.

Show Me the Value February 01, 2007
Industry association executives speculate on the top challenges, opportunities and trends facing the banking industry in 2007.

IT Asset Management: From the Data Center to the Desktop December 01, 2006
IT Asset Management For banks, effective IT asset management is necessary for both regulatory and contractual compliance. But it also can improve lifecycle management, identify underutilized hardware and software, and reduce inventories, resulting in significant cost savings.

ECM November 01, 2006
Enterprise content management enables banks to distribute and act on content from virtually any source, and promises to improve productivity, cut costs and enhance service.

Converged Communications October 06, 2006
Traditionally touted for their cost savings and enhanced functionality, Voice Over Internet Protocol (VOIP) and IP telephony now are helping banks to improve resource management, business continuity, customer service and overall performance.

Identity Management August 24, 2006
To secure customer data, banks must employ appropriate policies and procedures, and educate employees and customers -- as well as implement technology solutions. Keeping security from becoming too onerous, however, can be a challenge.

Executives from HP, Novell, Microsoft and Sun Microsystems Discuss Different Types of Operating Systems Available to Banks and How They Should Go About Selecting the Right One July 28, 2006
Selecting the right operating system can help banks support critical applications, driving growth while providing scalability and security. With an almost overwhelming array of choices, however, how can banks decide which operating environment is the right one?

Security Outlook April 07, 2006
A plethora of high-profile data breaches and concerns about identity theft have put the banking industry on high alert. To secure their information assets, banks must implement a cross-channel, multilayered approach that extends beyond technology.

SOA and Grid February 27, 2006
The emergence of service-oriented architecture and grid computing offers banks the promise of a flexible, scalable IT infrastructure. But creating an open architecture doesn't come without challenges, such as upgrading legacy systems and chang

Demographic Trends January 31, 2006
How are bank customers changing, and what must financial institutions do to meet these evolving requirements? Establishing flexible infrastructures and adapting systems to provide appropriate customer support and product development are critical steps.

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