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<br /> October 2012 Issue 681-682 www.retailbankerinternational.com<br /> DBS opens its doors<br /> to transformation<br /> ● Interview: Lucía Santa Cruz of Banco Santander Chile<br /> ● Marketing: Top financial services brands<br /> ● Technology: Software AG’s updated product suites<br /> ● Report: 2012 World Payments Report<br /> New Research Report<br /> Making Money from Micropayments<br /> Spending habits are changing. Consumers have become increasingly digitalised over the past 15 years, and micropayments have enjoyed<br /> success, as internet and mobile payment channels become more widely accepted. But for businesses to take full advantage of the<br /> micropayments opportunity, they must plan ahead to suit a market which is still in its developing stages. This new report shows you how<br /> to harness the potential of this emerging market.<br /> Buy this report to:<br /> < Gauge the o<a title="RBI 681-682, October 2012 page 1" href="https://secure.viewer.zmags.com/publication/07a8812c?page=1"> October 2012 Issue 681-682 </a> <a title="RBI 681-682, October 2012 page 2" href="https://secure.viewer.zmags.com/publication/07a8812c?page=2"> New Research Report Making Money from Micropaymen</a> <a title="RBI 681-682, October 2012 page 3" href="https://secure.viewer.zmags.com/publication/07a8812c?page=3"> Retail Banker International </a> <a title="RBI 681-682, October 2012 page 4" href="https://secure.viewer.zmags.com/publication/07a8812c?page=4"> NEWS: ANALYSIS </a> <a title="RBI 681-682, October 2012 page 5" href="https://secure.viewer.zmags.com/publication/07a8812c?page=5"> Retail Banker International </a> <a title="RBI 681-682, October 2012 page 6" href="https://secure.viewer.zmags.com/publication/07a8812c?page=6"> COMMENT: BANKING IN 2020 </a> <a title="RBI 681-682, October 2012 page 7" href="https://secure.viewer.zmags.com/publication/07a8812c?page=7"> Retail Banker International </a> <a title="RBI 681-682, October 2012 page 8" href="https://secure.viewer.zmags.com/publication/07a8812c?page=8"> DISTRIBUTION: DBS </a> <a title="RBI 681-682, October 2012 page 9" href="https://secure.viewer.zmags.com/publication/07a8812c?page=9"> Retail Banker International </a> <a title="RBI 681-682, October 2012 page 10" href="https://secure.viewer.zmags.com/publication/07a8812c?page=10"> NEWS: DIGEST </a> <a title="RBI 681-682, October 2012 page 11" href="https://secure.viewer.zmags.com/publication/07a8812c?page=11"> Retail Banker International </a> <a title="RBI 681-682, October 2012 page 12" href="https://secure.viewer.zmags.com/publication/07a8812c?page=12"> REPORT: 2012 WORLD PAYMENTS REPORT </a> <a title="RBI 681-682, October 2012 page 13" href="https://secure.viewer.zmags.com/publication/07a8812c?page=13"> Retail Banker International </a> <a title="RBI 681-682, October 2012 page 14" href="https://secure.viewer.zmags.com/publication/07a8812c?page=14"> REPORT: DIGITALISATION </a> <a title="RBI 681-682, October 2012 page 15" href="https://secure.viewer.zmags.com/publication/07a8812c?page=15"> Retail Banker International </a> <a title="RBI 681-682, October 2012 page 16" href="https://secure.viewer.zmags.com/publication/07a8812c?page=16"> NEWS: DIGEST </a> <a title="RBI 681-682, October 2012 page 17" href="https://secure.viewer.zmags.com/publication/07a8812c?page=17"> Retail Banker International </a> <a title="RBI 681-682, October 2012 page 18" href="https://secure.viewer.zmags.com/publication/07a8812c?page=18"> COMMENT: IBM </a> <a title="RBI 681-682, October 2012 page 19" href="https://secure.viewer.zmags.com/publication/07a8812c?page=19"> Retail Banker International </a> <a title="RBI 681-682, October 2012 page 20" href="https://secure.viewer.zmags.com/publication/07a8812c?page=20"> TECHNOLOGY: SYBASE 365 </a> <a title="RBI 681-682, October 2012 page 21" href="https://secure.viewer.zmags.com/publication/07a8812c?page=21"> Retail Banker International </a> <a title="RBI 681-682, October 2012 page 22" href="https://secure.viewer.zmags.com/publication/07a8812c?page=22"> NEWS: REPORT </a> <a title="RBI 681-682, October 2012 page 23" href="https://secure.viewer.zmags.com/publication/07a8812c?page=23"> A new and in-depth report on the global mass afflu</a> <a title="RBI 681-682, October 2012 page 24" href="https://secure.viewer.zmags.com/publication/07a8812c?page=24"> New report for the financial services industry Bes</a>