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<br /> www.nsbanking.com £38/€59/$78<br /> The age of<br /> information<br /> ING’s Ron van Kemenade on the burgeoning<br /> responsibilities of banking CIOs<br /> Float like a butterfly<br /> Swedbank’s Lotta Lovén examines<br /> the flexibility of digitalisation<br /> Sharpen up<br /> Green.CH’s Ashley Davis explains how<br /> Covid-19 has boosted uptake of smart buildings<br /> Summer 2020<br /> Data centres • Fraud prevention & security • Digital banking • Payments<br /> The finance, HR,<br /> and planning system<br /> for a changing world.<br /> In a world that's always changing, you need systems that help you<br /> tackle new challenges, evolve, and grow. And while no one knows<br /> exactly what the future of their business will look like, we do know<br /> the partner and business system that will get you there.<br /> Workday. For a changing world.™<br /> © 2020 Workday, Inc. All rights reserved. Workday, the Workday Logo,<br /> and “Workday For <a title="Future Banking Summer 2020 page 1" href="https://secure.viewer.zmags.com/publication/a42eacea?page=1"> www.nsbanking.com £38/€59/$78 The ag</a> <a title="Future Banking Summer 2020 page 2" href="https://secure.viewer.zmags.com/publication/a42eacea?page=2"> The finance, HR, and planning system for a changi</a> <a title="Future Banking Summer 2020 page 3" href="https://secure.viewer.zmags.com/publication/a42eacea?page=3"> On the web... Keep up with the latest developmen</a> <a title="Future Banking Summer 2020 page 4" href="https://secure.viewer.zmags.com/publication/a42eacea?page=4"> Contents In this issue 12 Cover story 6 </a> <a title="Future Banking Summer 2020 page 5" href="https://secure.viewer.zmags.com/publication/a42eacea?page=5"> highlights what his financial institution is doin</a> <a title="Future Banking Summer 2020 page 6" href="https://secure.viewer.zmags.com/publication/a42eacea?page=6"> News & numbers “We are not going to return to t</a> <a title="Future Banking Summer 2020 page 7" href="https://secure.viewer.zmags.com/publication/a42eacea?page=7"> 2020: the end of cash? Total global non-cash tra</a> <a title="Future Banking Summer 2020 page 8" href="https://secure.viewer.zmags.com/publication/a42eacea?page=8"> Special report The new market The pandemic has m</a> <a title="Future Banking Summer 2020 page 9" href="https://secure.viewer.zmags.com/publication/a42eacea?page=9"> Special report Consumer purchasing behaviour tr</a> <a title="Future Banking Summer 2020 page 10" href="https://secure.viewer.zmags.com/publication/a42eacea?page=10"> Special report $238bn </a> <a title="Future Banking Summer 2020 page 11" href="https://secure.viewer.zmags.com/publication/a42eacea?page=11"> </a> <a title="Future Banking Summer 2020 page 12" href="https://secure.viewer.zmags.com/publication/a42eacea?page=12"> Data centres Hail to the chief Over the past </a> <a title="Future Banking Summer 2020 page 13" href="https://secure.viewer.zmags.com/publication/a42eacea?page=13"> to personify this revolution in a single person, </a> <a title="Future Banking Summer 2020 page 14" href="https://secure.viewer.zmags.com/publication/a42eacea?page=14"> Data centres </a> <a title="Future Banking Summer 2020 page 15" href="https://secure.viewer.zmags.com/publication/a42eacea?page=15"> Smart buildings New model structures Ashley Davi</a> <a title="Future Banking Summer 2020 page 16" href="https://secure.viewer.zmags.com/publication/a42eacea?page=16"> Smart buildings There is a b</a> <a title="Future Banking Summer 2020 page 17" href="https://secure.viewer.zmags.com/publication/a42eacea?page=17"> the sector in its adoption of cloud-based princip</a> <a title="Future Banking Summer 2020 page 18" href="https://secure.viewer.zmags.com/publication/a42eacea?page=18"> Company insight Foundation on which to digiti</a> <a title="Future Banking Summer 2020 page 19" href="https://secure.viewer.zmags.com/publication/a42eacea?page=19"> Company insight cybersecurity consulting serv</a> <a title="Future Banking Summer 2020 page 20" href="https://secure.viewer.zmags.com/publication/a42eacea?page=20"> Fraud prevention & security Payment protective</a> <a title="Future Banking Summer 2020 page 21" href="https://secure.viewer.zmags.com/publication/a42eacea?page=21"> Fraud prevention & security A s web</a> <a title="Future Banking Summer 2020 page 22" href="https://secure.viewer.zmags.com/publication/a42eacea?page=22"> Fraud prevention & security Fraud 2.0 Lloyds Ba</a> <a title="Future Banking Summer 2020 page 23" href="https://secure.viewer.zmags.com/publication/a42eacea?page=23"> Customer experience management Design for life</a> <a title="Future Banking Summer 2020 page 24" href="https://secure.viewer.zmags.com/publication/a42eacea?page=24"> Customer experience management how design can</a> <a title="Future Banking Summer 2020 page 25" href="https://secure.viewer.zmags.com/publication/a42eacea?page=25"> effort to reach out to all of the bank's vulnerab</a> <a title="Future Banking Summer 2020 page 26" href="https://secure.viewer.zmags.com/publication/a42eacea?page=26"> Company insight Banks need to know their digi</a> <a title="Future Banking Summer 2020 page 27" href="https://secure.viewer.zmags.com/publication/a42eacea?page=27"> Company insight the test variation and delive</a> <a title="Future Banking Summer 2020 page 28" href="https://secure.viewer.zmags.com/publication/a42eacea?page=28"> Customer experience management Areal reality Span</a> <a title="Future Banking Summer 2020 page 29" href="https://secure.viewer.zmags.com/publication/a42eacea?page=29"> Customer experience management A l</a> <a title="Future Banking Summer 2020 page 30" href="https://secure.viewer.zmags.com/publication/a42eacea?page=30"> Customer experience management </a> <a title="Future Banking Summer 2020 page 31" href="https://secure.viewer.zmags.com/publication/a42eacea?page=31"> ATM SECURITY SOLUTION Hikvision Headquarters T +</a> <a title="Future Banking Summer 2020 page 32" href="https://secure.viewer.zmags.com/publication/a42eacea?page=32"> Company insight Time for AI to unlock relatio</a> <a title="Future Banking Summer 2020 page 33" href="https://secure.viewer.zmags.com/publication/a42eacea?page=33"> Company insight “From that, we can show wh</a> <a title="Future Banking Summer 2020 page 34" href="https://secure.viewer.zmags.com/publication/a42eacea?page=34"> Digital banking A datum in the ocean Using</a> <a title="Future Banking Summer 2020 page 35" href="https://secure.viewer.zmags.com/publication/a42eacea?page=35"> environment and market perspective, we're there t</a> <a title="Future Banking Summer 2020 page 36" href="https://secure.viewer.zmags.com/publication/a42eacea?page=36"> Digital banking Pop</a> <a title="Future Banking Summer 2020 page 37" href="https://secure.viewer.zmags.com/publication/a42eacea?page=37"> In partnership with: The new normal is di</a> <a title="Future Banking Summer 2020 page 38" href="https://secure.viewer.zmags.com/publication/a42eacea?page=38"> SmartStream Ready for life after lockdown As th</a> <a title="Future Banking Summer 2020 page 39" href="https://secure.viewer.zmags.com/publication/a42eacea?page=39"> reconciliation system that uses AI to deliver rap</a> <a title="Future Banking Summer 2020 page 40" href="https://secure.viewer.zmags.com/publication/a42eacea?page=40"> SmartStream Fit for the future, whatever it look</a> <a title="Future Banking Summer 2020 page 41" href="https://secure.viewer.zmags.com/publication/a42eacea?page=41"> across an entire network; AIR, a reconciliation s</a> <a title="Future Banking Summer 2020 page 42" href="https://secure.viewer.zmags.com/publication/a42eacea?page=42"> SmartStream The cloud gathers I n a few </a> <a title="Future Banking Summer 2020 page 43" href="https://secure.viewer.zmags.com/publication/a42eacea?page=43"> aslysun/Shutterstock.com want to use Amazon Web </a> <a title="Future Banking Summer 2020 page 44" href="https://secure.viewer.zmags.com/publication/a42eacea?page=44"> SmartStream The beginning of the end-to-end In a</a> <a title="Future Banking Summer 2020 page 45" href="https://secure.viewer.zmags.com/publication/a42eacea?page=45"> “Simplicity is the key. If you download an ap</a> <a title="Future Banking Summer 2020 page 46" href="https://secure.viewer.zmags.com/publication/a42eacea?page=46"> Digital transformation for today's challenging la</a> <a title="Future Banking Summer 2020 page 47" href="https://secure.viewer.zmags.com/publication/a42eacea?page=47"> Digital banking Marginal gains Digitalisation re</a> <a title="Future Banking Summer 2020 page 48" href="https://secure.viewer.zmags.com/publication/a42eacea?page=48"> Digital banking </a> <a title="Future Banking Summer 2020 page 49" href="https://secure.viewer.zmags.com/publication/a42eacea?page=49"> working with third parties beyond Open Banking – </a> <a title="Future Banking Summer 2020 page 50" href="https://secure.viewer.zmags.com/publication/a42eacea?page=50"> Payments Transaction online The payments s</a> <a title="Future Banking Summer 2020 page 51" href="https://secure.viewer.zmags.com/publication/a42eacea?page=51"> over the past few months. Sweden has often been h</a> <a title="Future Banking Summer 2020 page 52" href="https://secure.viewer.zmags.com/publication/a42eacea?page=52"> Payments The Ban</a> <a title="Future Banking Summer 2020 page 53" href="https://secure.viewer.zmags.com/publication/a42eacea?page=53"> Governance, risk & compliance Digital heist </a> <a title="Future Banking Summer 2020 page 54" href="https://secure.viewer.zmags.com/publication/a42eacea?page=54"> Governance, risk & compliance anxiety and unc</a> <a title="Future Banking Summer 2020 page 55" href="https://secure.viewer.zmags.com/publication/a42eacea?page=55"> Governance, risk & compliance to mount attack</a> <a title="Future Banking Summer 2020 page 56" href="https://secure.viewer.zmags.com/publication/a42eacea?page=56"> Governance, risk & compliance The road from Covi</a> <a title="Future Banking Summer 2020 page 57" href="https://secure.viewer.zmags.com/publication/a42eacea?page=57"> Governance, risk & compliance If they are</a> <a title="Future Banking Summer 2020 page 58" href="https://secure.viewer.zmags.com/publication/a42eacea?page=58"> Governance, risk & compliance </a> <a title="Future Banking Summer 2020 page 59" href="https://secure.viewer.zmags.com/publication/a42eacea?page=59"> Today's actions shape tomorrow JANE SMITH To </a> <a title="Future Banking Summer 2020 page 60" href="https://secure.viewer.zmags.com/publication/a42eacea?page=60"> Digital transformation for today's challenging la</a>