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Penny's blog archive

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Penny Hembrow

Penny Hembrow

Global Lead, Financial Services at CGI
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New research reveals why corporates are looking to change their banking relationships

27 Oct 2015

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 impeding this growth. So, what can transaction banks do to move ahead of the marketplace? For the past three years, CGI has sponsored the Association of F...


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

09 Oct 2015

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 competition increases, new market entrants move into traditional banking areas, such as FX and payments, and out-innovate their traditional banking p...


Financial consumer preferences in the digital era

27 Aug 2014

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 propensity among consumers to switch banks. To not only maintain but expand their market share, leading banks are taking a step back and considering their...



A wonderful digital time

06 Dec 2013

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 shopping is now a digital-fest one night over a glass or two of red wine. Less and less is it about actually ‘going out’ shopping. The numbers back th...