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<br /> April 2014 Issue 700 www.retailbankerinternational.com<br /> THE END OF XP<br /> APOCALYPSE OR<br /> OPPORTUNITY?<br /> ● Distribution: Branches<br /> ● Regulation: EU basic account<br /> ● Technology: Mobile apps<br /> ● The Digital Banking Club: Power 50<br /> <br /> Retail Banker International COMMENT: EDITOR'S LETTER<br /> CONTENTS<br /> 2 NEWS: AWARD NOMINATIONS<br /> 4 PRODUCTS: PFM TOOLS<br /> Consumers throughout Europe are<br /> crying out for their banks to do more<br /> to help them manage their increasingly<br /> complex financial landscapes. So says<br /> ING. Douglas Blakey reports<br /> 5 EVENT: DBC LIVE DEBATE<br /> The pr<a title="RBI 700, April 2014 page 1" href="https://secure.viewer.zmags.com/publication/73929b2c?page=1"> April 2014 Issue 700 </a> <a title="RBI 700, April 2014 page 2" href="https://secure.viewer.zmags.com/publication/73929b2c?page=2"> </a> <a title="RBI 700, April 2014 page 3" href="https://secure.viewer.zmags.com/publication/73929b2c?page=3"> Retail Banker International </a> <a title="RBI 700, April 2014 page 4" href="https://secure.viewer.zmags.com/publication/73929b2c?page=4"> NEWS: AWARD NOMINATIONS </a> <a title="RBI 700, April 2014 page 5" href="https://secure.viewer.zmags.com/publication/73929b2c?page=5"> Retail Banker International </a> <a title="RBI 700, April 2014 page 6" href="https://secure.viewer.zmags.com/publication/73929b2c?page=6"> PRODUCTS: PFM TOOLS </a> <a title="RBI 700, April 2014 page 7" href="https://secure.viewer.zmags.com/publication/73929b2c?page=7"> Retail Banker International </a> <a title="RBI 700, April 2014 page 8" href="https://secure.viewer.zmags.com/publication/73929b2c?page=8"> THE DIGITAL BANKING CLUB: LIVE DEBATE REPORT </a> <a title="RBI 700, April 2014 page 9" href="https://secure.viewer.zmags.com/publication/73929b2c?page=9"> Retail Banker International </a> <a title="RBI 700, April 2014 page 10" href="https://secure.viewer.zmags.com/publication/73929b2c?page=10"> NEWS: DIGEST </a> <a title="RBI 700, April 2014 page 11" href="https://secure.viewer.zmags.com/publication/73929b2c?page=11"> Retail Banker International </a> <a title="RBI 700, April 2014 page 12" href="https://secure.viewer.zmags.com/publication/73929b2c?page=12"> TECHNOLOGY: OPERATING SYSTEMS </a> <a title="RBI 700, April 2014 page 13" href="https://secure.viewer.zmags.com/publication/73929b2c?page=13"> Retail Banker International </a> <a title="RBI 700, April 2014 page 14" href="https://secure.viewer.zmags.com/publication/73929b2c?page=14"> REGULATION: BASIC PAYMENT ACCOUNT </a> <a title="RBI 700, April 2014 page 15" href="https://secure.viewer.zmags.com/publication/73929b2c?page=15"> Retail Banker International </a> <a title="RBI 700, April 2014 page 16" href="https://secure.viewer.zmags.com/publication/73929b2c?page=16"> NEWS: DIGEST </a> <a title="RBI 700, April 2014 page 17" href="https://secure.viewer.zmags.com/publication/73929b2c?page=17"> Retail Banker International </a> <a title="RBI 700, April 2014 page 18" href="https://secure.viewer.zmags.com/publication/73929b2c?page=18"> The DigiTal Banking CluB Power 50 The Who’s Wh</a> <a title="RBI 700, April 2014 page 19" href="https://secure.viewer.zmags.com/publication/73929b2c?page=19"> Intelligent Environments in association with Reta</a> <a title="RBI 700, April 2014 page 20" href="https://secure.viewer.zmags.com/publication/73929b2c?page=20"> THE DIGITAL BANKING CLUB POWER 50 </a> <a title="RBI 700, April 2014 page 21" href="https://secure.viewer.zmags.com/publication/73929b2c?page=21"> Retail Banker International </a> <a title="RBI 700, April 2014 page 22" href="https://secure.viewer.zmags.com/publication/73929b2c?page=22"> THE DIGITAL BANKING CLUB POWER 50 </a> <a title="RBI 700, April 2014 page 23" href="https://secure.viewer.zmags.com/publication/73929b2c?page=23"> Retail Banker International </a> <a title="RBI 700, April 2014 page 24" href="https://secure.viewer.zmags.com/publication/73929b2c?page=24"> THE DIGITAL BANKING CLUB POWER 50 </a> <a title="RBI 700, April 2014 page 25" href="https://secure.viewer.zmags.com/publication/73929b2c?page=25"> Retail Banker International </a> <a title="RBI 700, April 2014 page 26" href="https://secure.viewer.zmags.com/publication/73929b2c?page=26"> THE DIGITAL BANKING CLUB POWER 50 </a> <a title="RBI 700, April 2014 page 27" href="https://secure.viewer.zmags.com/publication/73929b2c?page=27"> Retail Banker International </a> <a title="RBI 700, April 2014 page 28" href="https://secure.viewer.zmags.com/publication/73929b2c?page=28"> THE DIGITAL BANKING CLUB POWER 50 </a> <a title="RBI 700, April 2014 page 29" href="https://secure.viewer.zmags.com/publication/73929b2c?page=29"> Retail Banker International </a> <a title="RBI 700, April 2014 page 30" href="https://secure.viewer.zmags.com/publication/73929b2c?page=30"> THE DIGITAL BANKING CLUB POWER 50 </a> <a title="RBI 700, April 2014 page 31" href="https://secure.viewer.zmags.com/publication/73929b2c?page=31"> Retail Banker International </a> <a title="RBI 700, April 2014 page 32" href="https://secure.viewer.zmags.com/publication/73929b2c?page=32"> We deliver mobile and online financial services </a> <a title="RBI 700, April 2014 page 33" href="https://secure.viewer.zmags.com/publication/73929b2c?page=33"> Intelligent Environments in association with Reta</a> <a title="RBI 700, April 2014 page 34" href="https://secure.viewer.zmags.com/publication/73929b2c?page=34"> DISTRIBUTION: BRANCHS </a> <a title="RBI 700, April 2014 page 35" href="https://secure.viewer.zmags.com/publication/73929b2c?page=35"> Retail Banker International </a> <a title="RBI 700, April 2014 page 36" href="https://secure.viewer.zmags.com/publication/73929b2c?page=36"> DISTRIBUTION: BRANCHES </a> <a title="RBI 700, April 2014 page 37" href="https://secure.viewer.zmags.com/publication/73929b2c?page=37"> Retail Banker International </a> <a title="RBI 700, April 2014 page 38" href="https://secure.viewer.zmags.com/publication/73929b2c?page=38"> GUEST ARTICLE: FISERV </a> <a title="RBI 700, April 2014 page 39" href="https://secure.viewer.zmags.com/publication/73929b2c?page=39"> </a> <a title="RBI 700, April 2014 page 40" href="https://secure.viewer.zmags.com/publication/73929b2c?page=40"> </a>