<br />
www.nsbanking.com £38/€59/$78 Winter 2019<br />
Beyond<br />
city<br />
limits<br />
Stuart Harper of UBS<br />
on what smart buildings<br />
can offer the industry<br />
New momentum<br />
BBVA sets the pace for fintech<br />
with its Open Innovation<br />
Acceleration Programme<br />
Byte of the action<br />
Matthew Sattler of HSBC<br />
discusses the growing<br />
significance of data labs<br />
Fraud prevention & security · Payments · Governance, risk & compliance · Customer experience management<br />
<br />
On the web...<br />
Keep up with the latest developments<br />
across the industry by visiting<br />
www.nsbanking.com<br />
Future Banking<br />
Winter 2019<br />
Editorial<br />
Editor Stephen Hall<br />
stephenhall@ns-mediagroup.com<br />
Chief sub-editor Thom Atkinson<br />
Sub-editors Todd Palmer, Jason Riley<br />
Senior feature writ<a title="Future Banking Winter 2019 page 1" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=1"> www.nsbanking.com £38/€59/$78 </a>
<a title="Future Banking Winter 2019 page 2" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=2"> </a>
<a title="Future Banking Winter 2019 page 3" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=3"> On the web... Keep up with the latest developmen</a>
<a title="Future Banking Winter 2019 page 4" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=4"> Contents In this issue 18 Cover story </a>
<a title="Future Banking Winter 2019 page 5" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=5"> 37 for some time, but it's not immune to boom a</a>
<a title="Future Banking Winter 2019 page 6" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=6"> News & numbers “Consumers have made it clear tha</a>
<a title="Future Banking Winter 2019 page 7" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=7"> The generation game 21% of respondents plan to </a>
<a title="Future Banking Winter 2019 page 8" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=8"> Big interview Quantum leap Since 2017, UK financi</a>
<a title="Future Banking Winter 2019 page 9" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=9"> The financial services sector could also harn</a>
<a title="Future Banking Winter 2019 page 10" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=10"> Big interview </a>
<a title="Future Banking Winter 2019 page 11" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=11"> Banking 2030 Are you ready? JANE SMI</a>
<a title="Future Banking Winter 2019 page 12" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=12"> Data centres No apologies for the disruption Com</a>
<a title="Future Banking Winter 2019 page 13" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=13"> A few years ago, Matthew Sattler got an email fro</a>
<a title="Future Banking Winter 2019 page 14" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=14"> Data centres </a>
<a title="Future Banking Winter 2019 page 15" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=15"> Company insight The physical backbone of the </a>
<a title="Future Banking Winter 2019 page 16" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=16"> Company insight Build me up Every bank, buil</a>
<a title="Future Banking Winter 2019 page 17" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=17"> Company insight new, but offices have always </a>
<a title="Future Banking Winter 2019 page 18" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=18"> Smart buildings The future is ours to build Sma</a>
<a title="Future Banking Winter 2019 page 19" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=19"> From these humble beginnings, banking has dev</a>
<a title="Future Banking Winter 2019 page 20" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=20"> Smart buildings </a>
<a title="Future Banking Winter 2019 page 21" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=21"> Digital banking </a>
<a title="Future Banking Winter 2019 page 22" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=22"> Digital banking Previous page: Inside BBVA's </a>
<a title="Future Banking Winter 2019 page 23" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=23"> “We can provide them with very insightful and</a>
<a title="Future Banking Winter 2019 page 24" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=24"> Digital banking Crack the code Artificial inte</a>
<a title="Future Banking Winter 2019 page 25" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=25"> Where AI will work More than a decade on, somethi</a>
<a title="Future Banking Winter 2019 page 26" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=26"> Digital banking AI at BBVA Machines are being b</a>
<a title="Future Banking Winter 2019 page 27" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=27"> In partnership with: Artificial intell</a>
<a title="Future Banking Winter 2019 page 28" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=28"> SmartStream AI that delivers ROI Like any other</a>
<a title="Future Banking Winter 2019 page 29" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=29"> seconds. Usually, it would take three to five wee</a>
<a title="Future Banking Winter 2019 page 30" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=30"> SmartStream Put IT in the hands of the experts </a>
<a title="Future Banking Winter 2019 page 31" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=31"> Most banks are developing a cloud strategy. T</a>
<a title="Future Banking Winter 2019 page 32" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=32"> SmartStream A new dawn for TLM C </a>
<a title="Future Banking Winter 2019 page 33" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=33"> geography or source systems through the Integrate</a>
<a title="Future Banking Winter 2019 page 34" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=34"> SmartStream Future solutions Helping the financ</a>
<a title="Future Banking Winter 2019 page 35" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=35"> application to be run in various locations, wheth</a>
<a title="Future Banking Winter 2019 page 36" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=36"> Digital transformation for today's challenging la</a>
<a title="Future Banking Winter 2019 page 37" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=37"> Fraud prevention & security It's good to hear yo</a>
<a title="Future Banking Winter 2019 page 38" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=38"> Fraud prevention & security </a>
<a title="Future Banking Winter 2019 page 39" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=39"> Fraud prevention & security “So maybe they mi</a>
<a title="Future Banking Winter 2019 page 40" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=40"> Company insight Deep learning to protect ATMs</a>
<a title="Future Banking Winter 2019 page 41" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=41"> ATM SECURITY SOLUTION Hikvision Headquarters T +</a>
<a title="Future Banking Winter 2019 page 42" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=42"> Payments A direct approach Small business owners</a>
<a title="Future Banking Winter 2019 page 43" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=43"> At present, such business owners must either r</a>
<a title="Future Banking Winter 2019 page 44" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=44"> Payments Using mPOS, businesses will be able </a>
<a title="Future Banking Winter 2019 page 45" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=45"> The Future Banking Dining Club is an exclusive, i</a>
<a title="Future Banking Winter 2019 page 46" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=46"> Company insight A guiding hand through the te</a>
<a title="Future Banking Winter 2019 page 47" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=47"> Company insight from cash and it makes the ma</a>
<a title="Future Banking Winter 2019 page 48" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=48"> Company insight Central securities depository</a>
<a title="Future Banking Winter 2019 page 49" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=49"> Company insight We see growing demand for</a>
<a title="Future Banking Winter 2019 page 50" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=50"> Company insight Banks for the modern age On </a>
<a title="Future Banking Winter 2019 page 51" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=51"> Company insight the duo picked up the same th</a>
<a title="Future Banking Winter 2019 page 52" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=52"> Governance, risk & compliance You need room to g</a>
<a title="Future Banking Winter 2019 page 53" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=53"> competition and innovation for customers. These d</a>
<a title="Future Banking Winter 2019 page 54" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=54"> Governance, risk & compliance A new report fo</a>
<a title="Future Banking Winter 2019 page 55" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=55"> All it takes is SRIXET )RXIVWIOXTVSZMHIWHMKMXE</a>
<a title="Future Banking Winter 2019 page 56" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=56"> </a>
<a title="Future Banking Winter 2019 page 57" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=57"> Customer experience management All about You In </a>
<a title="Future Banking Winter 2019 page 58" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=58"> Customer experience management The ABCs of HSBC</a>
<a title="Future Banking Winter 2019 page 59" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=59"> The bank has also integrated a feature called </a>
<a title="Future Banking Winter 2019 page 60" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=60"> Customer experience management Community challen</a>
<a title="Future Banking Winter 2019 page 61" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=61"> Customer experience management The idea b</a>
<a title="Future Banking Winter 2019 page 62" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=62"> Customer experience management </a>
<a title="Future Banking Winter 2019 page 63" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=63"> Banking 2030 Are you ready? JANE SMI</a>
<a title="Future Banking Winter 2019 page 64" href="https://secure.viewer.zmags.com/publication/7b1fa1a8?page=64"> Digital transformation for today's challenging la</a>