Special Report: Crisis Fallout
How Bad Is It? How Bad Is the Crisis?

COVER STORY
Credit Crisis Reshapes Banking Landscape
Wall Street disappears; divide emerges between big banks hampered by losses and community banks in the market for new technology.

sidebars
For Community Banks, Tech Outlook Is More Optimistic
The crisis's effect on consumer confidence appears to be benefiting community banks, which find themselves in a privileged positon when it comes to technology integration.

With Mergers Complete, Banks Turn to Integration Planning
Acquiring a major institution may have been the easy part; now technical integration looms on the horizon.


FEATURE
Banks Look to Multimedia Technology to Grow Branches
The branch of the future takes shape using interactive and self-service technologies to enhance customer satisfaction.

INDUSTRY WATCH
RFID Helps Wells Fargo Track Assets, Improve Business Continuity
Radio Frequency Identification (RFID) beats bar coding for many banking applications.

Financial Crisis Creates Faith Crisis
Cisco survey and market indications show consumer trust in banks trending down.

sidebars
Two Polls, Two Conclusions on Whether Consumers (Still) Trust Banks
CashEdge and Cisco come to differing opinions on the levels of trust consumers place in their banks.

Since Crisis, Bank Ads Are Pushing Trust
Bank ads aim to boost flagging consumer trust.

BEST PRACTICES
Prized Deposits Grow for Boston Bank Using RDC
Remote deposit capture adds $4 million in deposits in 18 months, as RDC technology pays for itself.

WSECU Taps ShoreTel to Shore Up Phone Efficiency
When an outdated phone system at Washington State Employees Credit Union needed improvement, California-based ShoreTel had the solution.

ROLLOUT
Sweden's SEB Uses Fiserv NetEconomy for AML Efforts
The solution will allow for improved oversight without taxing existing resources.

Postbank Deploys SAP Payments Engine
Payments transaction subsidiary BCB gains end-to-end capabilities.

Garanti Bank Deploys Gemalto EMV Contactless Credit Cards
Gemalto to provide bank with its single-chip EMV contactless banking cards.

Industrial Bank of Korea Upgrades to IBM System z10
Implementation is first introduction of System z10 into the Korean financial services market.

FROM THE EDITOR
As Banking Regulation Gets a Global Facelift, Will Traditional Centers of Influence Shift?
Among the consequences of the global financial crisis will be a shift of power away from the traditional centers of New York and London. Financial services regulatory models also will change, according to a new report from the Group of 30.

EXECUTIVE Q&A
SunTrust Banks' EVP, Treasury and Payments Solutions, David Fuller, Balances Innovation With Common Sense
With 25 years of financial services experience, Fuller sees transparency and accountability as cornerstones of his management style.

PAYMENTS WATCH
Google Partnership Key to Visa Mobile Payments Strategy
Payments giant will offer m-payments services on Android-enabled mobile phones, launches P2P transfer pilot with U.S. Bank.

CHANNEL WATCH
Look to Analytics for Branch Growth
The right combination of data, analytics and automation could spell branch success.

RISK/COMPLIANCE WATCH
South Dakota Establishes Financial Security Center
National Center for the Protection of the Financial Infrastructure is created at Dakota State University.

PERSPECTIVES
In the face of changing conditions, speed to market has become more important than ever for banks' technology decision makers.

Segmenting Clients Ensures Better-Targeted Products
Annette Hazapis, Director, Product Management, KeyBank Global Treasury Management (Cleveland)
By focusing on a closely defined client base and soliciting feedback early and often, developers can created targeted products that continuously meet client needs.

Using Business Intelligence to Create a Competitive Advantage
Jim Neckopulos, Managing VP, Financial Services Industry, Hitachi Consulting (Dallas)
To create a market-responsive advantage in good times as well as bad, firms can tap BI to align enterprise strategic objectives and value creation with line-of-business initiatives.

Improving Product Development Through Core Systems Replacement
Christopher O'Hara, Partner, Financial Services, PricewaterhouseCoopers (San Jose, Calif.)
Banks looking to enhance speed to market, channel flexibility and customer service may want to consider swapping out their aging core systems.

Leveraging Agile Development Methods to Speed Development Cycles
Doug Mow, SVP, Marketing, Exigen Services (San Francisco)
The combination of modular application design with rapid, iterative development methods can significantly shorten development initiatives.


EXECUTIVE WATCH
Jon Richman to Head Deutsche Bank's Combined Trade/Cash Management Sales Team
Richman joins new team at Deutsche after 20 years at Standard Chartered Bank.

Marty Lippert Moves Up From Citi CIO Slot
There's now one degree of separation between Lippert and CEO Vikram Pandit.

NEW PRODUCTS
Harland Financial Rolls Out New CRM Offering
Touché CRM combines standard CRM functionality with business intelligence features plus enterprise messaging.

S1 Enterprise Incorporates IAT Capabilities in Its Corporate Banking Solution
NACHA ’strongly encourages’ banks to implement IAT by March 20, 2009.

FRSGlobal Launches Reporting Product That Meets Basel II Pillar 2 Demands
FRSGlobal ReportBuilder is part of the FRSGlobal REPORTINGCentre for regulatory reporting.