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Art of Better Retail Banking Supportable Predictions on the Future of Retail Banking

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ISBN-10: 0470013206

ISBN-13: 9780470013205

Edition: 2005

Authors: Hugh Croxford, Frank Abramson, Alex Jablonowski

List price: $103.00
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Book details

List price: $103.00
Copyright year: 2005
Publisher: John Wiley & Sons, Incorporated
Publication date: 5/20/2005
Binding: Hardcover
Pages: 304
Size: 6.30" wide x 9.25" long x 0.85" tall
Weight: 1.232
Language: English

Background and Acknowledgements
About the Authors
Setting the Scene
Science and engineering
Science, art and engineering
A brief look back, and the culture of retail banking
The view from the bridge
We have to start from where we are
Are banks 'unpopular'?
The path to popular popularity
And get this too . . .
Change is in the air - confidence, simplicity, speed
The Basic Model
Profit and return on equity
Capital requirements
Interest spread and interest margin
Non-interest income (fees and commissions)
Costs and the cost/income ratio
Loan losses
Our loan of #1000
Performance measurements
The different businesses within banking
Assets, liabilities, treasury, capital markets
Caveat - definitions
To really understand it without it hurting
Some further points
Accounts, Services and Channels
Services - fee-based and commissions
Delivery channels
Bank cooperative channels
And some other points
Real Banks and Challenges
Some lists of banks - international banks
UK banks
A little more detail on some UK banks
Building societies
The challenges for banks
Costs and the cost/income ratio
Key observations
Systems and Information Technology (IT)
Legacy systems
Banks are dependent on data and information processing
Information technology will become a major differentiator
IT and the retail banking industry
There are additional pressures now
The IT industry is not without blame
Resolving the legacy systems problem
A new approach from the IT industry and from banks
Applications solution/software licensing
The Propositions
The Real World
Basic findings on business strategy
Investment intensity - a big difference
The people, processes and technology of capital investment
Product/service fitness-for-purpose
Brand, service, fitness-for-purpose, price
Products and price
Reinvention and invention
How big is the opportunity?
The Propositions
Customers - life events management and lifestyle choices
The very different starting points of banks
The strategies
For established banks
For new banks
SWOT summary
The starting point
Preparing for the Future
Evolution, tactics, limits - the obvious stuff
The critical stuff
Marketing and brand power
Deciding on the change itself
Establishing the basic inputs
Discovery process
Establishing the business model
Establishing the business plan
Big banks in particular
Is there really a choice?
Much of the writing is on the wall
Predictions for Retail Banking
A fra