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March 2012: Bank Globalization.

Gold Book 2011


3 Steps to Building a World-Class Bank
To optimize global opportunities, banks must strive for standardization, tackle customer experience from the top down and move beyond traditional IT outsourcing.

Banking the Unbankable Requires a Targeted Effort
To tap the growing number of unbanked and underbanked consumers worldwide, banks need to be more aggressive in offering services and products specifically designed for the market.

3 Hot Banking Markets Beyond the Obvious
BS&T explores growth beyond Brazil, Russia, India and China, with snapshots of other hot banking markets in Latin America, Hong Kong and South Korea, and Central and Eastern Europe.

Regulatory Harmony: Building Out Retail Banking Systems for a New Global Order
New regulatory requirements highlight the need for global retail banking operations to redouble their efforts to integrate data, analytics and reporting across geography.


4 Burning Questions for Bank IT in 2012
Bank IT and business executives have many questions about how to address the critical issues of 2012, including the need for business model transformation, the impact of social media and big data, and dealing with legacy infrastructure while seeking increased technology efficiency. Here are some answers about what to expect in the year ahead.


MasterCard Says U.S. EMV Adoption is Key to Next-Gen Payments
MasterCard has developed a roadmap to rolling out EMV payment technology in the U.S., a move that the company says will spur innovations in digital payments.


Are Banks' Legal Costs 25% Higher Than They Need to Be?
New research from a Viewpointe-sponsored AIIM report reveals that without a comprehensive records management system in place, financial institutions may be exposed to costly and potentially damaging legal action due to their limited ability to identify and isolate key records.


A New Customer Experience Leader: Q&A With USAA's Jeff Easley
At a time when banks often are public enemy No. 1, how did USAA Federal Savings Bank manage to top Forrester Research's 2012 Customer Experience Index? Simply by putting the customer first, says Jeff Easley, USAA executive director of deposits product management.


New KeyBank EVP Carpetto Brings New Payments Perspective
Al Carpetto, KeyBank's new EVP, says he wants the bank to be viewed as a top-tier payments provider, including in areas such as treasury management, foreign exchange and institutional asset services.


Bank Globalization: The World as Your Potential Market
Whether it involves establishing a scalable global operations model; understanding the technology implications of new financial services regulations; or identifying global growth opportunities by region or customer segment, today globalization is integral to almost any bank's strategies and performance.


Fiserv, FIS Lawsuit May Affect Banks in Several Ways
The patent infringement lawsuit involving the two financial tech giants has caught the attention of many in the industry.

Gartner Predicts Rise of External Social and Cloud-Based Banking Services
In its new report, Gartner gives advice to banks on how to stay relevant despite its prediction that external social web and cloud-based products will make up a quarter of consumer-driven banking services by 2015.

ACI Deal for S1 Clears Legal Hurdles, Will Benefit Banks
Now that the ACI acquisition of S1 has cleared legal hurdles, the new combined company can focus on communicating to the marketplace the product synergies that drove the deal. And other bank tech vendors are likely to pursue similar consolidation.

PayPal and AJB Bring Digital Wallet to Offline Retail Space
PayPal has teamed up with payment solution provider AJB to expand its offline retail presence and give several merchants a low-cost way to deploy a digital wallet solution.

Estimated 600,000 Consumers Switched Due to Bank Transfer Day
Javelin research finds that consumers were also driven by outrage over new fees.


Redefining Disaster Recovery: New Technologies Provide Disaster Planning Challenges and Solutions
In addition to covering physical data centers, branches, and ATMs, banks' disaster recovery and business continuity plans now have to cover digital and virtual presences as well. New technologies such as social networking, mobile and the cloud can help.


Synovus Thwarts Thousands of Account Hijacking Attempts
Synovus Bank deploys Trusteer's Rapport anti-fraud solution, blocking thousands of attempts to hijack commercial customer accounts.