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	Read views of Nandan Nilekani, Co-chairman Infosys Technologies Ltd, on how to ‘Win in the Turns’. The feature article in this issue focuses on how to enable customer retention during tough times. Mike Wood, CIO of Raiffeisen International, speaks to us on the Central and Eastern Europe banking industry trends.
			Current Issue

The Evolution of Banking Channels

Ask your grandfather about his bank. He will tell you about the friendly manager at the bank down the street, who joined him and the boys for gin rummy, at the town club, on odd weekend nights. Ask your dad. He will tell you proudly how he now banks on the Internet, though he secretly worries if it’s really safe.

Feature

Direct Banking: Direct Benefits

More than ever before, banking customers are flooded with choice. That puts immense pressure on banks to ensure that all their channels are equipped with the right technology and people, along with processes that are geared towards delivering a consistently positive experience for customers.

Kaleidoscope

Benelux: Banking on Economic Harmony

Three countries, Belgium, Netherlands and Luxembourg, created a startling example of economic harmony when they formed the Benelux Economic Union in 1958, laying the foundation for many such similar structures across the world. The Union was formed with the objective of promoting free movement of human capital, financial capital, goods and services in this region. From then on diverse political systems, cultures and languages took a backseat to establish a common economic consortium driving growth and prosperity.

Tech Watch

Bank on the Fact: There’s Only 1 You!

Uniquely identifying humans, based on one or more intrinsic physical or behavioural trait, by various systems, is not new. The most common use of biometrics is to provide physical access to secure areas.

Inside Talk

Perfect Time to Transform
Interview with Wanda Guttas

Union Bank, N.A., is among the 25 largest banks in the United States, based on assets. The bank has 335 branch offices in California, Washington, and Oregon; two international offices; and facilities in six other states.

First Look

Financial Darwinism

The first sentence of Anna Karenina, one of Tolstoy’s best-known novels, famously observes that while “…all happy families are alike;