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<br /> <br /> <br /> <br /> COMMENT: NEIL JONES Retail Banker International<br /> The world needs banking – but does it<br /> need banks and how will they survive?<br /> More and more pressure is being exerted on the banking industry and financial institutions need to keep<br /> up with both challenger offerings and increased regulatory compliance. But what exactly does a successful<br /> strategy involve? Neil Jones delves into the various issues banks need to address to win out in 2015<br /> T<br /> his is a question that many are asking;<br /> not only customers, but also estab-<br /> lished banks, challenger banks, non-<br /> banks and commentators. Changing<br /> demographics, new technology, increasing<br /> regulations and new demands from increas-<br /> ingly less loyal customers, are exerting pres-<br /> sure on the banking s<a title="RBI 708 December 2014 page 1" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=1"> </a> <a title="RBI 708 December 2014 page 2" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=2"> </a> <a title="RBI 708 December 2014 page 3" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=3"> </a> <a title="RBI 708 December 2014 page 4" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=4"> COMMENT: NEIL JONES </a> <a title="RBI 708 December 2014 page 5" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=5"> Retail Banker International </a> <a title="RBI 708 December 2014 page 6" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=6"> </a> <a title="RBI 708 December 2014 page 7" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=7"> </a> <a title="RBI 708 December 2014 page 8" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=8"> </a> <a title="RBI 708 December 2014 page 9" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=9"> Retail Banker International </a> <a title="RBI 708 December 2014 page 10" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=10"> NEWS: DIGEST </a> <a title="RBI 708 December 2014 page 11" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=11"> </a> <a title="RBI 708 December 2014 page 12" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=12"> </a> <a title="RBI 708 December 2014 page 13" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=13"> </a> <a title="RBI 708 December 2014 page 14" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=14"> </a> <a title="RBI 708 December 2014 page 15" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=15"> </a> <a title="RBI 708 December 2014 page 16" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=16"> NEWS: DIGEST </a> <a title="RBI 708 December 2014 page 17" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=17"> </a> <a title="RBI 708 December 2014 page 18" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=18"> DISTRIBUTION: BRANCHES </a> <a title="RBI 708 December 2014 page 19" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=19"> </a> <a title="RBI 708 December 2014 page 20" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=20"> ANALYSIS: RETAIL BANKING TRENDS 2015 </a> <a title="RBI 708 December 2014 page 21" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=21"> Retail Banker International </a> <a title="RBI 708 December 2014 page 22" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=22"> </a> <a title="RBI 708 December 2014 page 23" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=23"> </a> <a title="RBI 708 December 2014 page 24" href="https://secure.viewer.zmags.com/publication/84a4c6aa?page=24"> </a>