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Penny Hembrow

New research reveals why corporates are looking to change their banking relationships

Transaction banking has been a major driver of return on equity over the past five years, yet intense competition, changing corporate treasurer expectations and the impact of new regulations are imped...

27 Oct 2015
Penny Hembrow

Global Bank Disruption and Potential Counter Strategies: Moving from 'Keep Up' to 'Step Up'

In the past year or two, the pace of change has accelerated rapidly in the transaction banking industry. Disruption to business models is not far behind what we see taking place in retail banking, as ...

09 Oct 2015
Penny Hembrow

Financial consumer preferences in the digital era

Digital consumerism is having a major impact on banking, and there is a widespread expectation of significant shifts in market share. Moreover, in the retail banking market, we are seeing a high prope...

27 Aug 2014
Penny Hembrow

A wonderful digital time

The metaphor of Amazon being Santa’s grotto of the 21st century, has been used many times before. But it is an interesting one, simply because it illuminates where we are as a society. Holiday gift s...

06 Dec 2013
Penny Hembrow

The future of sourcing in wholesale banking

Outsourcing was once vaunted as the golden ticket to reducing costs. The reality has been somewhat different. Application complexity, siloed architectures, poor data management and bad business proces...

31 Oct 2013

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