23 Feb 2023
Banking on Asian diversity
Shayne Elliott |
To walk with clients in Asia, you need your feet on the ground.
Banking
03 Feb 2023
Behind the green payoff
Richard Hartung | Research Director, Singapore, Payments Consulting Network
Payments and the technology around them are getting more sustainable by implementing measures that reduce their carbon footprint.
02 Feb 2023
Hey ChatGPT, build me a bank…
Andrew Cornell | Managing Editor, bluenotes
AI, web3, DeFi, Big Tech, fintech, Metaverse, private capital, the forces arrayed against traditional banking continue to mass.
30 Jan 2023
Debt restructuring on the horizon
Michael Hughes & Ron Forster | Partners, MinterEllison
2023 and risky global economic conditions may raise economic pressures in many sectors. Companies with fragile balance sheets can face financial challenges. Debt restructuring is likely.
25 Jan 2023
Vale David Hains, legendary investor
Andrew Cornell | Managing Editor, bluenotes
Remembering renowned businessman David Hains who showed us a thing or two about investment – after seven decades in business.
15 Dec 2022
FULL COVERAGE: ANZ's 2022 AGM
Jill Campbell | Head of Investor Relations, ANZ
ANZ’s 2022 annual meeting was held in person for the first time since 2019 in Adelaide. The chairman and CEO outlined the highlights and the opportunities and challenges for the year ahead.
14 Dec 2022
Get rich in three simple steps. Act now!
Marc Broome and Ruth Talalla | Senior Manager, Complex Investigations ANZ, and Scams Portfolio Lead, ANZ
Spotting the warning signs of a scam can be the best way to protect yourself from being caught out.
27 Oct 2022
FULL COVERAGE: ANZ’s full-year 2022 result
bluenotes contributors |
Everything you need to know about ANZ’s 2022 full-year result in one place.
21 Sep 2022
Payments NZ lays out ambition for real time payments
Steve Wiggins | Chief Executive of Payments NZ
New Zealand’s industry payments group is mapping out the long term evolution of the system.
13 Sep 2022
What's the role of cash in financial inclusion?
Steve Worthington | Professor at Swinburne University
With cash usage dropping around the globe how can we ensure this doesn’t lead to financial exclusion for some in the community?
25 Jul 2022
Molyneux: half a century of learning through history
Andrew Cornell | Managing Editor, bluenotes
Through mergers, crises, economic cycles, governments, with almost half a century at ANZ under his belt, technology and risk expert Rob Molyneux is logging off for good.
21 Jul 2022
Faruqui: value in Suncorp acquisition
Farhan Faruqui | CFO, ANZ
ANZ CFO Farhan Faruqui says Suncorp Bank is an attractive opportunity while ANZ businesses performed well this quarter.
18 Jul 2022
Elliott: a transformational advance for ANZ
Shayne Elliott | Chief Executive Officer, ANZ
Suncorp Bank is a terrific franchise and a natural fit with ANZ, according to CEO Shayne Elliott.
18 Jul 2022
Helping Queensland capitalise on its moment in the sun
Jacqueline Auf der Maur | General Manager Retail Banking - QLD & NT, ANZ
ANZ’s acquisition of Suncorp Bank will significantly increase its exposure to the Sunshine State at a very important time.
18 Jul 2022
Elliott: betting on Queensland, accelerating ANZ strategy
Andrew Cornell | Managing Editor, bluenotes
ANZ CEO says acquisition of Suncorp Bank is an investment in the bank’s Retail and Commercial operations, and the state of Queensland.
12 Jul 2022
Alternative finance services ruffle a few feathers
Andrew Cornell | Managing Editor, bluenotes
Bigtech, fintech, DeFi, Neobank, Metabank… if it quacks the regulators will be duck hunting.
30 Jun 2022
The wide-open banking road
Jody Bullen | Head of Open Banking New Zealand at ANZ
A focus on regulation and relationships will help the open banking rollout in New Zealand accelerate safely.
29 Jun 2022
Is the payment revolution indebted to buy now, pay later?
Andrew Cornell | Managing Editor, bluenotes
Buy now, pay later schemes were touted as a payment revolution for the new age. But are they offering anything really that different? And what happens if they don’t succeed?
24 Jun 2022
Planning for a connected, digital future
Andy Thiss | Country Manager & Area VP, Anaplan ANZ
Banks must – continue – to break down silos and connect data from legacy systems if their transformations are to succeed.
14 Jun 2022
A century-old tax and a stablecoin walk into a bar…
Doug Campbell | General Manager Australia, Convergence.Tech
Decentralised finance technologies are helping alcohol producers and regulators maintain oversight and reduce red-tape.
09 Jun 2022
APIs: enabling digital transformation
Leigh Mahoney | Head of Wholesale Digital, ANZ
Opportunity is ripe for digital businesses with a focus on speed and control. APIs can bridge the gap between old and new.
08 Jun 2022
Advancing economic inclusion of the LGBTIQ+ community
Fiona MacDonald | Diversity & Inclusion Lead at ANZ
Investing in a more progressive, inclusive environment for employees, customers and stakeholders is the right thing to do. And will create economic opportunity.
02 Jun 2022
Changing the numbers: using technology to help combat card fraud
Jon Levin | Product Owner - ANZ Plus Cards, ANZ
ANZ is constantly developing and refining methods to enhance security for customers, including modernising older safety codes.
25 May 2022
Using technology to fight online abuse: hiding in plain sight
Kevin Corbally | Chief Risk Officer, ANZ
ANZ’s financial crime monitoring and reporting continues to protect vulnerable customers by helping police track perpetrators of online abuse.
18 May 2022
Ah, you want a stable stablecoin…
Andrew Cornell | Managing Editor, bluenotes
Rising rate expectations are ultimately behind the destruction of recent weeks in crypto asset markets, especially cryptocurrencies.
04 May 2022
FULL COVERAGE: ANZ’s half-year 2022 result
bluenotes contributors |
Everything you need to know about ANZ’s 2022 half-year result in one place.
04 May 2022
BEHIND THE NUMBERS: knocking on innovation’s door
Ken Adams | Group General Counsel, ANZ
Forming a non-operating holding company will allow ANZ to focus on, and invest in, innovative banking technologies in a more simple manner.
04 May 2022
BEHIND THE NUMBERS: the stable in stablecoin
Nigel Dobson | Banking Services Lead, ANZ
Fintech was once touted as the great challenger to traditional finance, will DeFi – decentralised finance – be the next threat? Or will it create opportunity?
04 May 2022
INFOGRAPHIC: ANZ’s 2022 half-year result
Camila Salazar | Content Producer, ANZ
Find all the details of ANZ’s half-year result in an easy-to-read infographic.
04 May 2022
Faruqui: solid result in challenging environment
Andrew Cornell | Managing Editor, bluenotes
ANZ CFO says strong performances from New Zealand and Institutional together with continued focus on capital discipline and cost management bolstered the bank’s half-year result.
04 May 2022
Elliott: pleasing progress in bank strategy
Andrew Cornell | Managing Editor, bluenotes
ANZ CEO says the bank is well placed to support customers’ financial wellbeing through a period of economic uncertainty.
11 Apr 2022
Stablecoins: a brave new world
Ryan McCall | CEO and co-founder, Zerocap
Oh brave new world that has such things in it… In the uncertain world of new money, stablecoins offer clarity and a range of productivity and financial benefits.
05 Apr 2022
When worlds collide: DeFi meets TradFi
Andrew Cornell | Managing Editor, bluenotes
Decentralised finance has become big enough for central banks to take notice. Will subsequent rules and regulations help DeFi grow or will the bubble burst?
04 Apr 2022
The Australian payments system: fit for future?
Andy White | CEO of Australian Payments Network (AusPayNet)
Payments platforms must keep up with demand as consumers increasingly move away from physical cash and cards.
28 Mar 2022
The path to transformation-Plus
Shayne Elliott | Chief Executive Officer, ANZ
The launch of ANZ’s new retail banking platform ANZ Plus sparked a conversation about transformation and the hardware and software organisations need to make it work.
24 Mar 2022
A stable platform for the next step
Nigel Dobson | Banking Services Lead, ANZ
Stablecoins, tokenisation and defi are more than just online trends now. They are the basis of real demands from customers. And banks must step up.
23 Mar 2022
Carnegie: ANZ Plus to rebuild and rewire Australia Retail
Andrew Cornell | Managing Editor, bluenotes
ANZ’s new retail banking proposition ANZ Plus is the beginning of a multi-year plan to deliver improved service to customers.
23 Mar 2022
Dalton: digital first a plus for financial wellbeing
Andrew Cornell | Managing Editor, bluenotes
ANZ’s new retail banking platform ANZ Plus will provide both new and existing customers with future-ready services to improve their financial wellbeing.
22 Mar 2022
Elliott: rebuilding our capability and capacity
Shayne Elliott | Chief Executive Officer, ANZ
ANZ CEO says the newly launched ANZ Plus platform will fundamentally change the bank’s retail banking capabilities.
04 Mar 2022
Elliott: allocating capital to effect change
Nathan Parkin | Co-founder & Investment Director, Ethical Partners
ANZ CEO Shayne Elliott discusses the growth and investment opportunity in the transition to a lower carbon economy.
01 Mar 2022
Carnegie: an exciting time for Australia Retail banking
Andrew Cornell | Managing Editor, bluenotes
Newly announced ANZ Group Executive Australia Retail Maile Carnegie says the time is right to bring two major portfolios back together.
01 Mar 2022
Elliott: laying the foundations for ANZ’s future
Andrew Cornell | Managing Editor, bluenotes
ANZ CEO says organisational change will create greater opportunity for both Retail and Commercial banking with a strategic focus on financial wellbeing.
24 Feb 2022
The year ahead for debt markets
Shayne Collins | Managing Director for Markets, Institutional, ANZ
Despite subdued global capital market volumes, Australian-dollar issuance is set to rise on the back of high public sector and financial institutional activity.
23 Feb 2022
Revolutionising the industry – from inside and out
Andrew Cornell | Managing Editor, bluenotes
Incumbent banks are not standing still in the face of the ongoing challenge from increasingly well funded fintechs. Instead they are assimilating the tech, innovations and entrepreneurial spirit of challengers.
21 Feb 2022
Engineering a new generation of technology
Tim Hogarth | Chief Technology Officer, ANZ
ANZ’s newly appointed Chief Technology Officer Tim Hogarth sheds light on what big companies must do to keep up with a rapidly developing landscape.
04 Feb 2022
Banking on the neo consumer
Tim Dring | Oceania Banking & Capital Markets leader, EY
“Neobanks” aren’t shutting down incumbent banks just yet - a focus on trust and product personalisation will keep their appeal at bay. For now….
27 Jan 2022
Cryptocurrency: don't look up
Andrew Cornell | Managing Editor, bluenotes
The orbit of cryptocurrencies is increasingly eccentric yet central banks want to enter the system.
19 Jan 2022
New Year’s resolution: boost financial wellbeing
Emily Ross | Content Producer & Director, Emily Ross Bespoke
After two years of uncertainty, it’s a good time to work on some financial resilience.
17 Jan 2022
Banking on accelerated business models
Alex Trott | Banking Lead, Accenture Australia and New Zealand
Simplified value chains and non-linear business models create opportunities for better banking.
13 Jan 2022
New Zealand opens up to open banking
Jody Bullen | Digital Lead Data & Open Banking, ANZ New Zealand
If industries and government work together on open banking, Kiwis will gain greater long-term benefits.
12 Jan 2022
The best of 2021 from bluenotes and ANZ News
Andrew Cornell | Managing Editor, bluenotes
Well, 2021 was different to 2020… Different variants, different challenges, different attitudes. But also different stories of resilience, of innovation, of breakthroughs, of optimism.
16 Dec 2021
FULL COVERAGE: ANZ's 2021 AGM
Jill Campbell | Head of Investor Relations, ANZ
Find all the information about ANZ's 2021 annual general meeting in one place.
16 Dec 2021
O’Sullivan: getting on with the emerging opportunity
Andrew Cornell | Managing Editor, bluenotes
ANZ Chairman Paul O’Sullivan outlines key focuses and challenges for the bank and its board in 2022 and beyond.
08 Dec 2021
2022 looms as watershed for financial sector
Andrew Cornell | Managing Editor, bluenotes
Even ignoring the pandemic, 2022 will be a turning point for banks with a focus on digitalisation and sustainability non-negotiable.
03 Dec 2021
Education key to foiling fraud
Cassandra Hewett | Group Head of Financial Crime & Money Laundering Reporting Officer, ANZ
A focus on shared knowledge and preventative education will help fight back the growing risk of fraud.
01 Dec 2021
Kempson: what really matters for financial wellbeing
Emily Ross | Content Producer & Director, Emily Ross Bespoke
Expert Professor Elaine Kempson sits down once again to discuss the latest ANZ Financial Wellbeing survey and next steps for capability.
01 Dec 2021
How is financial wellbeing tracking?
Emily Ross | Content Producer & Director, Emily Ross Bespoke
ANZ’s latest financial wellbeing survey of Australians reflects new ways of understanding and measuring financial wellbeing.
24 Nov 2021
Shareholders are stakeholders too
Andrew Cornell | Managing Editor, bluenotes
It’s not capitalism that is driving global warming and growing inequality, it’s the humans making the rules behind it. And they can change them.
10 Nov 2021
Fear and loathing in financial services
Andrew Cornell | Managing Editor, bluenotes
Currency, payments and centralised finance are entering a very weird period of change globally.
09 Nov 2021
LONGREAD: the bank we’re building
Shayne Elliott | Chief Executive Officer, ANZ
ANZ CEO Shayne Elliott outlines key focus areas for the bank’s future growth and opportunities.
05 Nov 2021
Fintech innovation’s perfect storm
May Lam | EY Oceania Fintech Leader and Asia-Pacific Payments Leader, EY Financial Services
Fintechs are seeing improved relationships with banks focusing on better partnerships, more access, introductions to the ‘right people’ and openess to new ideas.
03 Nov 2021
O’Sullivan: outlook brighter after another difficult year
Paul O'Sullivan | Chairman, ANZ
ANZ Chairman Paul O’Sullivan says the bank has navigated a year of historic health and economic challenges while also supporting customers and the community.
28 Oct 2021
BEHIND THE NUMBERS: a new era of digital mindset banking
Peter Dalton & Wayne Spiteri | Business Lead & Engineering Lead, ANZx
A sharpened focus on financial wellbeing and enhanced digital solutions are coming soon for customers with the introduction of ANZ Plus.
28 Oct 2021
Faruqui: continuing to build on demonstrated strengths
Andrew Cornell | Managing Editor, bluenotes
ANZ’s new CFO says the bank has the right capital balance and risk settings to lean into the reopening of the global economy in 2022.
28 Oct 2021
Elliott: investing for the long-term in tech, customer experience, sustainability
Andrew Cornell | Managing Editor, bluenotes
ANZ CEO says the bank had a strong performance despite some ongoing uncertainty and is now preparing to take advantage of future opportunities.
28 Oct 2021
INFOGRAPHIC: ANZ’s 2021 full-year result
Camila Salazar | Content Producer, ANZ
Find all the details of ANZ’s full-year result in an easy-to-read infographic.
28 Oct 2021
FULL COVERAGE: ANZ’s full-year 2021 result
bluenotes contributors |
Everything you need to know about ANZ’s 2021 full-year result in one place.
22 Oct 2021
PODCAST: the strategic role of CFOs
Farhan Faruqui | CFO, ANZ
ANZ CEO Shayne Elliott and CFO Farhan Faruqui discuss the changing nature of the relationship between the two roles as Faruqui takes up the position.
20 Oct 2021
Build it - but will they come?
Paul Wiebusch | Associate, Quill Peak
Now that Open Banking and Australia’s Consumer Data Right have officially launched, will it be a big bang or a slow burn?
19 Oct 2021
Watson: banking on sustainability in NZ
Antonia Watson | ANZ Group Executive and CEO, New Zealand
ANZ New Zealand CEO says a strategic focus on environmental sustainability will create opportunities for the bank and its customers.
13 Oct 2021
Big Tech bank invasion halted at the moat
Andrew Cornell | Managing Editor, bluenotes
The much heralded invasion of banking by giant technology companies hasn’t panned out exactly as first thought.
06 Oct 2021
Sibos 2021: platforming a better customer experience
Shane White | Content Manager - Institutional, ANZ
Interacting with – and learning from – global experts in payments and clearing allows ANZ to offer an enhanced proposition to customers.
04 Oct 2021
Techfin finding common ground on big projects
Gerard Florian | Group Executive Technology, ANZ
When technology and finance divisions cooperate on big projects, processes evolve to deliver better outcomes for staff and customers.
29 Sep 2021
DeFi-ing traditional finance
Andrew Cornell | Managing Editor, bluenotes
The global financial system is facing the next phase of the digital revolution – decentralised finance.
23 Sep 2021
LIBOR’s swan song
Duncan Marshall & David Doyle | LIBOR Transition-Business & LIBOR Transition-Communications Lead, ANZ Institutional
With not long before non-US dollar LIBOR is relegated to the financial markets history books, firms that rely on these rates need to act quickly.
21 Sep 2021
User experience: ease to please
Alan Shields | Chief Data Officer, RFi Group
As consumers increasingly turn to mobile banking, should the UX focus be on increasing features or simply ease of use?
13 Sep 2021
New Zealand’s shifting payments environment
Steve Wiggins | Chief Executive of Payments NZ
Like many economies, COVID-19 has driven a huge shift towards digital payments in New Zealand. But will the trends become permanent?
09 Sep 2021
Can cash resist the digital tide?
Steve Worthington | Professor at Swinburne University
Although digital payments are increasingly popular, cash is still a necessary form of payment for many in the economy.
06 Sep 2021
Buy now, pay later, survive in the future?
Kevin Davis | Emeritus Professor of Finance, University of Melbourne
The buy now, pay later concept has shaken up traditional banks and financing. But is it really changing the payments landscape?
03 Sep 2021
PODCAST: sticking to long-term change
Lisa Vasic | MD Transaction Banking, ANZ Institutional
Companies that started on their digital journey at the beginning of the pandemic must manage any leftover “old school” practices to succeed in the future.
01 Sep 2021
Future of payments: review or preview?
Andrew Cornell | Managing Editor, bluenotes
Australia’s payments system is large, diverse and very complex. And globally interlinked. So has regulation kept up with the pace of innovation?
31 Aug 2021
Hand: light at the end of the tunnel
Andrew Cornell | Managing Editor, bluenotes
Customer confidence is up and so are house prices, creating a strong environment for home lending growth according to ANZ’s Mark Hand.
27 Aug 2021
The meaning behind leading
Antonia Watson | ANZ Group Executive and CEO, New Zealand
ANZ New Zealand CEO Antonia Watson reflects on the environment for banking, the crucial need for diversity and what makes a good leader.
24 Aug 2021
ATM customers continue to withdraw
Mike Ebstein | Director, MWE Consulting
As cash use rates dropped through the pandemic, so too did ATM use. But this isn’t a new phenomenon.
18 Aug 2021
The next 500-year plan for banking
Andrew Cornell | Managing Editor, bluenotes
Banking may have looked somewhat similar 500 years ago. But it will almost certainly look entirely different in another five years.
13 Aug 2021
Opportunities abound as traditional banks unbundle
Ron Spector | Managing Director of 1835i
Are incumbent banks really under “attack” from new players? Or is everyone actually playing the same game?
12 Aug 2021
Investing in (actually) liquid assets
Francis Wilden | Advisor, Hospitality Strategy & Trends
Non-traditional investments have made headlines recently and rare, fine wine is one. But they’re “non-traditional” for a reason.
11 Aug 2021
Elliott: Faruqui has best attributes for ANZ CFO
Andrew Cornell | Managing Editor, bluenotes
Newly appointed CFO Farhan Faruqui will bring a depth of knowledge and understanding to role, says ANZ CEO Shayne Elliott.
06 Aug 2021
Agile: a continuing evolution
Shayne Elliott | Chief Executive Officer, ANZ
Three years into ANZ’s agile transformation – how far have we come?
04 Aug 2021
What time is cheque out?
Andrew Cornell | Managing Editor, bluenotes
With the Kiwis officially killing off cheques, will Australia be the next economy to formally move on from the paper-based payment?
27 Jul 2021
Merging and acquiring the right opportunities
Sharon Klyne | bluenotes contributor
Australian companies have significant appetite for merger and acquisition activity amid high cash balances and low interest rates.
26 Jul 2021
Hand: we're ready to help
Mark Hand | Group Executive Australia Retail and Commercial Banking, ANZ
ANZ leader says bank is standing ready to support customers through ongoing difficulties of the pandemic.
22 Jul 2021
Cash back to the max
Emma Gray | Group Executive - Data & Automation, ANZ
It may sound counter-intuitive but a new program for ANZ customers allows big spenders to save for their goals.
21 Jul 2021
Under the hood: bank to the future with 1835i
Andrew Cornell | Managing Editor, bluenotes
After three foundation years within the enterprise, ANZ’s investment and innovation business is “leaving the mothership” to further accelerate scale and growth.
15 Jul 2021
Building resilience in risk management
Douglas Nixon | Banking & Capital Markets Consulting Leader, EY APAC
The COVID-19 pandemic has become the catalyst for a new era of risk management in the banking industry.
14 Jul 2021
Bankers teach new tech old tricks
Jeff Schrale | Regional Executive Far North QLD, ANZ
Digital solutions will inevitably be the future of banking. But it will always be combined with human connection.
09 Jul 2021
Long-term digital adoption – not so weird
Alan Shields | Chief Data Officer, RFi Group
Western, educated, industrialised, rich and democratic economies are leading the push for digital banking trends to stick around in the future.
07 Jul 2021
Banking on the future of cash
Jodie LeeTet | Value Stream Lead - Cash Strategy, ANZ
Despite the growing trend of digital payments many people in society still prefer – and rely on – physical cash.
01 Jul 2021
Under the hood: not your regular rewards program
Shayne Elliott | Chief Executive Officer, ANZ
Investing in Australian-made business Cashrewards will give ANZ the ability to help customers improve their financial wellbeing.
30 Jun 2021
Locking down cyber threats
Lynwen Connick | CISO, ANZ
Cyber criminals are taking advantage of vulnerabilities caused by the pandemic to attempt to infiltrate businesses more than ever before.
25 Jun 2021
Preparing for cyber disaster
Troy Heland | Team Lead Managed Security Services, Verizon
The financial services industry is among the best equipped for disaster after a focus on future investment through the pandemic.
24 Jun 2021
Translating the digital divide
Sachi Taulelei | Design Centre of Expertise Lead, ANZ
Technology is a reflection of who we are; ensuring we’re all represented is key to its success.
23 Jun 2021
Fintechs bubble away
Andrew Cornell | Managing Editor, bluenotes
Stock valuations are up and interest rates are down. So is the fintech market going to stay this frothy forever? Or is it frothy at all?
21 Jun 2021
David Hains: history, business, relationships and mistakes
Andrew Cornell | Managing Editor, bluenotes
Although no longer at the reins, renowned businessman David Hains still knows a thing or two about investment – after four decades in business.
09 Jun 2021
A matter of trust
Andrew Cornell | Managing Editor, bluenotes
As global economies turn to digital solutions, organisations and industries must focus on building and maintaining trust to win big.
08 Jun 2021
Digital banking comes of age
Kath Bray | Managing Director - Retail Banking, ANZ
The acceleration of digital banking trends in Australia picked up in 2020 and highlighted the importance of focusing on customer preferences.
27 May 2021
Elliott: accelerating our strategy
Shayne Elliott | Chief Executive Officer, ANZ
CEO says a strategic focus on banking infrastructure at a retail and institutional level sets ANZ apart from competitors.
26 May 2021
Can central banks be even more cryptic?
Andrew Cornell | Managing Editor, bluenotes
As the value of cryptocurrencies continue to spike and reverse, central banks have started mulling its usefulness.
24 May 2021
Foreign bank activity: healthy economic conditions
John Elias & Jeremy Blackshaw | Partner and Foreign Bank Tracker Lead Partner & International Managing Partner, MinterEllison
Confidence in Australia’s economy as an attractive investment destination is clear in foreign bank activity data.
19 May 2021
Investing with purpose
Rita Da Silva | Wealth & Asset Management Leader, EY Oceania
A focus on sustainability, diversity and inclusion will shape the wealth management journey for many Australians.
17 May 2021
Commercial banking’s new frontier
Chris Jaggard | Commercial Banking Lead Aus & NZ, Accenture
Banking-as-a-Service and the “business of experience” must be the focus for commercial banks looking to win big post-pandemic.
13 May 2021
Big picture focus, reduced complaints
David Locke | Chief Ombudsman & CEO, AFCA
The COVID-19 pandemic created a unique set of circumstances leading to financial stress. Financial services must stay focused on the bigger picture to assist customers through.
06 May 2021
Post-crisis investment evolves
Richard Yetsenga | Chief Economist, ANZ
The economic aftermath of the COVID-19 crisis looks very different to historical cycles.
05 May 2021
FULL COVERAGE: ANZ’s 2021 half-year result
bluenotes contributors |
Everything you need to know about ANZ’s 2021 half-year result in one place.
05 May 2021
BEHIND THE NUMBERS: platforms for future growth
Lisa Vasic & Leigh Mahoney | MD Transaction Banking & Head of Wholesale Digital, ANZ
ANZ’s Institutional business has been building platforms and gaining market share which will provide growth opportunities for the future of banking.
05 May 2021
BEHIND THE NUMBERS: turning around the lending market
Kate Gibson & John Campbell | Home Owners Portfolio Lead & Home Loans Tribe Lead, ANZ
ANZ’s home lending business has regained market share and fast-tracked decision making for the benefit of customers.
05 May 2021
BEHIND THE NUMBERS: Kiwi economy outperforming expectations
Antonia Watson | ANZ Group Executive and CEO, New Zealand
New Zealand handled the health and economic impacts of COVID-19 with resilience – leading to a strong financial result for the bank.
05 May 2021
INFOGRAPHIC: ANZ’s half-year 2021 result
Melissa Currie | Creative Content Producer, bluenotes
Find all the details of ANZ’s 2021 half-year result in an easy-to-read infographic.
05 May 2021
PODCAST: analysing the result
Jill Campbell | Head of Investor Relations, ANZ
Delve into the details of ANZ’s half-year 2021 results with the bank’s finance and risk experts.
05 May 2021
Elliott: growth opportunities emerging but caution persists
Andrew Cornell | Managing Editor, bluenotes
ANZ CEO says the bank delivered a very strong result after a challenging year but not all geographies are at the same stage of recovery.
29 Apr 2021
Florian: solid foundations underpin the future of banks
Gerard Florian | Group Executive Technology, ANZ
A mindset shift is required to help transform the concept of “banking” from being a noun to a verb.
27 Apr 2021
Under the hood: challenging the lenders
Shayne Elliott | Chief Executive Officer, ANZ
At first glance, it might seem strange for a major bank like ANZ to invest in a challenger lender. But this ANZi alumnus explains one strategy behind the decision.
21 Apr 2021
Banking platforms off the deep end
Andrew Cornell | Managing Editor, bluenotes
Not all banking platforms are created equal. And banks may not even be the right company to offer the service.
13 Apr 2021
Investments making an impact
Dan Simpson | Head of Impact Investing, ANZ Private Banking
Impact investing continues to grow globally as investors look to contribute positively to social or environmental outcomes.
08 Apr 2021
PODCAST: rise of the machine (learning)
Shayne Elliott | Chief Executive Officer, ANZ
AI and machine learning can make banking faster, easier and better for our customers and our people. Here’s how some of our teams are embracing these new technologies.
07 Apr 2021
From banking system to ecosystem
Andrew Cornell | Managing Editor, bluenotes
All companies – including banks – must move away from selling particular products and think about the total consumer experience.
22 Mar 2021
Are neo-banks here to stay? Or just a passing phase?
Steve Worthington | Professor at Swinburne University
So-called "neo-banks" may aspire to take market share from the incumbents but will they ever get passed being “too small to save”?
11 Mar 2021
Some things don’t change. But much does…
Andrew Cornell | Managing Editor, bluenotes
Traditional banks have existed for thousands of years with one constant – change.
18 Feb 2021
PODCAST: delving into the details
Jill Campbell | Head of Investor Relations, ANZ
Take a deeper look into ANZ’s Q1 trading update figures with the bank’s finance and risk experts.
18 Feb 2021
Elliott: learning to flex in a changing world
Andrew Cornell | Managing Editor, bluenotes
ANZ CEO says the strength of the bank’s position came to the fore amid ongoing global and economic uncertainty.
16 Feb 2021
Transformation opportunities exist amid disruption
Tim Dring | Oceania Banking & Capital Markets Leader, EY
As banks look ahead into the new year, the trajectory of the world’s recovery remains critical to their profitability and growth.
11 Feb 2021
Consumers buy into buy now, pay later – for now
Alan Shields | Chief Data Officer, RFi Group
It’s not just young consumers using buy now, pay later schemes anymore. And regulators are taking notice.
10 Feb 2021
Behind the ranks of the fintech revolution
Andrew Cornell | Managing Editor, bluenotes
The past year has seen upheaval in the financial services industry. But – so far - it hasn’t been the traditional banks bearing the brunt.
08 Feb 2021
Conduct, culture and COVID-19
Dr Roger Miles | Faculty Lead - Conduct and Culture Academy, UK Finance
The COVID-19 pandemic brought into focus the clear need for the financial services industry to look at all aspects of culture.
04 Feb 2021
PODCAST: under the hood of ANZi
Shayne Elliott | Chief Executive Officer, ANZ
The investments and innovations arm of ANZ has been working hard to accelerate the bank’s digital evolution and more efficient customer service.
03 Feb 2021
Business outlook: digital as usual
Lisa Vasic | MD Transaction Banking, ANZ Institutional
The COVID-19 pandemic pushed digital transformation to the top of the priority list for many businesses in 2020.
27 Jan 2021
2021: banking on a better future
Andrew Cornell | Managing Editor, bluenotes
After a tumultuous year, one certainty is digital transformation will accelerate.
21 Jan 2021
Evolving how we work
Kathryn van der Merwe | Group Executive – Talent & Culture, ANZ
Six core beliefs will guide ANZ into the future of how its workplaces operate both in the office and remotely.
19 Jan 2021
Aussie banks doing digital
Laure Jouan | Principal Financial Institutions Practice, BCG
Australia’s banks must accelerate digital transformations to help the economy recover from the COVID-19 pandemic.
25 Nov 2020
Regulators, central banks, investors stand firm on climate goals
Andrew Cornell | Managing Editor, bluenotes
Even if the COVID-19 crisis abates across the globe, a climate storm is gathering for the financial services industry.
23 Nov 2020
Aus banking plays the waiting game
Tim Dring | Oceania Banking & Capital Markets leader, EY
The full impact of the COVID-19 pandemic is yet to be felt by the Australian banking industry.
13 Nov 2020
Conduct and culture in the COVID era
Anna Bligh | Chief Executive, Australian Banking Association
Amid the uncertainty of the pandemic, Australia’s banks responded in lock step for the benefit of all customers and the economy.
12 Nov 2020
Preparing for the fraud pandemic
Carol Chris | Regional General Manager Australia, GBG
Digital acceleration has pushed financial institutions to re-evaluate the resilience of their fraud management strategies.
30 Oct 2020
Treating an economic heart attack
James Culham | Executive Director, Institutional Portfolio Management, ANZ
A “Minsky moment” is occurring in economies where restricted cash flows are triggering a domino effect of missed payments.
29 Oct 2020
Managing customers and risk through acute change
Andrew Cornell | Managing Editor, bluenotes
ANZ risk management robust, anticipates ongoing uncertainty while customer support drives recovery.
29 Oct 2020
Jablko: maintaining a strong position through uncertainty
Andrew Cornell | Managing Editor, bluenotes
Efficient management of capital, risk and costs allowed the bank to maintain a strong balance sheet through the crisis, says ANZ CFO.
29 Oct 2020
Elliott: focusing on the future
Andrew Cornell | Managing Editor, bluenotes
CEO says the bank has been well protected through COVID-19 and is now looking to future investment opportunities.
29 Oct 2020
INFOGRAPHIC: ANZ’s 2020 full-year result
Melissa Currie | Creative Content Producer, bluenotes
Find all the details of ANZ’s 2020 annual result in an easy-to-read infographic.
29 Oct 2020
FULL COVERAGE: ANZ’s 2020 annual result
bluenotes contributors |
Everything you need to know about ANZ’s 2020 full-year result in one place.
27 Oct 2020
Aus fintech maintains momentum amid crisis
Meredith Angwin | Financial Services Partner & Fintech Advisor, EY
While 2020 has been a challenging year on many fronts, fintech founders are generally still feeling optimistic about the future of the local sector.
21 Oct 2020
Credit contagion in a time of COVID-19
Andrew Cornell | Managing Editor, bluenotes
Are measures designed to support business through the crisis sandbagging the credit cycle?
20 Oct 2020
Have payments changed forever? Or just temporarily shifted?
Alan Shields | Chief Data Officer, RFi Group
The move away from cash emerged as one of the biggest digital shifts from the pandemic as consumers seemed to fully embrace mobile wallets.
01 Oct 2020
50 years as a brand, 185 as a bank
Content Centre of Expertise | Corporate Communications at ANZ
50 years ago today, two banks came together in a merger to form what we know as the modern day ANZ.
24 Sep 2020
Sibos 2020: destination Lygon, outlook global
Arun Kayal & Shane White | AD Institutional Communications & Institutional Content Manager, ANZ
Solving problems with real solutions is just one benefit of the successful guarantees-based Lygon technology.
24 Sep 2020
Gonski: quarterly reporting undesirable post-pandemic
David Gonski AC | Chairman at ANZ
Outgoing Chairman says quarterly reporting puts unreasonable pressure on teams to perform in the short-term.
07 Sep 2020
Responding to pandemic through ESG lens
Shayne Elliott | Chief Executive Officer, ANZ
ANZ’s support for customers, stakeholders and the community throughout the crisis has been anchored to its purpose, strong governance and ESG principles.
27 Aug 2020
Gonski: the time is right
David Gonski AC | Chairman at ANZ
In a letter to staff, David Gonski AC announces his retirement as Chairman of ANZ’s Board. He will be succeeded by Paul O’Sullivan.
20 Aug 2020
Aus financial services: room to grow
Kristen Bondietti | Director, ITS Global
Australia can leverage the uncertainty of a post-COVID environment to expand financial services exports to the Asia-Pacific region.
19 Aug 2020
INFOGRAPHIC: ANZ’s Q3 trading update
Melissa Currie | Creative Content Producer, bluenotes
All the details of ANZ’s Q3 trading update in an easy-to-read infographic.
19 Aug 2020
Elliott: bank is prepared, learning, adapting
Andrew Cornell | Managing Editor, bluenotes
ANZ CEO Shayne Elliott says the bank is focusing on its purpose to guide customers, community and shareholders through this stressful period.
18 Aug 2020
Vale Will Bailey AO
Andrew Cornell | Managing Editor, bluenotes
Look back at the career of former ANZ CEO Will Bailey, who helped usher the bank into a new era of technology and more.
17 Aug 2020
Banking: short-term pain, long-term gain
Alex Trott | Banking Lead, Accenture Australia and New Zealand
The COVID-19 pandemic has created new purpose for banks globally. But the question is: will it last?
05 Aug 2020
What if banks disappeared and nobody noticed?
Andrew Cornell | Managing Editor, bluenotes
Banks have been deemed essential in the pandemic. But are they really the only institution able to provide banking services?
04 Aug 2020
FURTHER READING: demystifying bank capital
Gareth Lewis | Senior Manager, Capital Management - Group Treasury, ANZ
According to the experts, capital is the cornerstone of financial strength. But what does that actually mean?
13 Jul 2020
Lending a hand beyond September
Andrew Cornell | Managing Editor, bluenotes
ANZ’s head of Australian banking outlines continuing support to customers through Christmas and beyond the COVID-19 pandemic.
08 Jul 2020
Planet cools for digital dinosaurs
Andrew Cornell | Managing Editor, bluenotes
Digital banking is no longer a strategy for the near term, it’s a strategy for the now term
06 Jul 2020
What if banks broke the buck?
James Culham | Executive Director, Institutional Portfolio Management, ANZ
Is MMT the post-COVID normal for monetary policy or an inflation trap?
01 Jul 2020
Australian banking opens up
Emma Gray | Group Executive - Data & Automation, ANZ
Consumers are the winners as a new era of data and banking begins in Australia.
25 Jun 2020
Support through challenges
David Lovell | Head of Contact Centres for Wealth Australia, ANZ
Accessing their superannuation was just one way Australians coped with COVID-19 and ANZ’s contact centre staff were there to listen and help customers.
19 Jun 2020
Simplifying Australia’s payments industry
Jackie Kallman | Head of Payments Industry & Engagement, ANZ
Three of Australia’s major payments companies are on the brink of a ground-breaking merger. What does it mean for competition?
05 Jun 2020
Indebted to the future
James Culham | Executive Director, Institutional Portfolio Management, ANZ
Is government debt a burden for future generations or merely a debt we owe ourselves? Could it even represent net wealth?
28 May 2020
Gonski: preparing for ‘COVID-normal’
David Gonski AC | Chairman at ANZ
ANZ Chairman outlines the bank’s ongoing response to the COVID-19 pandemic and the impact it made on half-year earnings.
25 May 2020
The culture of cash
Steve Worthington | Professor at Swinburne University
The perceived decreasing value of cash during the COVID-19 pandemic isn’t the same across the globe.
08 May 2020
Yield curve control: back to the future
James Culham | Executive Director, Institutional Portfolio Management, ANZ
Governments and central banks can find much to learn from previous crises in coping with the COVID-19 pandemic.
30 Apr 2020
FULL COVERAGE: ANZ’s half-year 2020 result
bluenotes contributors |
Everything you need to know about ANZ’s 2020 half-year result in one place.
30 Apr 2020
Corbally: managing risk in a pandemic
Andrew Cornell | Managing Editor, bluenotes
More forward-looking accounting standards impacted half-year credit loss provision charge, says ANZ Chief Risk Officer.
30 Apr 2020
Jablko: bank still unquestionably strong in crisis
Andrew Cornell | Managing Editor, bluenotes
Strong capital and liquidity will help customers and shareholders through the crisis, says ANZ CFO.
30 Apr 2020
Elliott: dealing with uncertainty from a position of strength
Andrew Cornell | Managing Editor, bluenotes
CEO says bank’s work coming into the crisis and past experience holds it in good stead to help customers and economy through the pandemic.
30 Apr 2020
INFOGRAPHIC: ANZ’s 2020 half-year result
Jill Campbell | Head of Investor Relations, ANZ
Find all the details of ANZ’s half-year result in an easy-to-read infographic.
30 Mar 2020
Q&A: Elliott on balancing the intensive care with recovery
Andrew Cornell | Managing Editor, bluenotes
ANZ CEO talks through the challenges facing the economy while balancing an acute response to the COVID-19 crisis with longer term rebuilding.
17 Mar 2020
Elliott: ANZ prepared for crisis, essential banking a priority
Andrew Cornell | Managing Editor, bluenotes
ANZ CEO says bank is in good shape to support customers and staff through the pandemic with long term shareholder interests in mind.
04 Mar 2020
A viral tsunami
Andrew Cornell | Managing Editor, bluenotes
As the world reacts to - and prepares against - a global pandemic, what do we know of the lifecycles of previous disasters?
28 Feb 2020
The customer’s right to innovation
Emma Gray | Group Executive - Data & Automation, ANZ
Can Australia have a leading position in a future digital economy? Customer experience and privacy must be paramount.
05 Feb 2020
Banks and payments: take your pick
Andrew Cornell | Managing Editor, bluenotes
Incumbent banks and new players keep coming up with even more ways to pay – but is it musical chairs or deckchairs on the Titanic?
03 Feb 2020
George: Wealth simplification to help customers
Andrew Cornell | Managing Editor, bluenotes
ANZ Deputy CEO says the bank will work with partner companies to offer high quality wealth solutions to customers.
18 Dec 2019
Behind the curtain of the AGM
Jill Campbell | Head of Investor Relations, ANZ
Annual general meetings are complicated – and essential – operations. Take a look behind the scenes to see how they run.
11 Dec 2019
Gradually then suddenly - the future of banking
Andrew Cornell | Managing Editor, bluenotes
Will 2019 be the year we all look back at and see a tipping point for upheaval in financial services?
10 Dec 2019
Financial wellbeing: researching the community
Michelle Commandeur | Head of Financial Inclusion at ANZ
Researching the financial wellbeing of communities can help influence the financial services industry. US expert Dr Dee Warmath explains.
04 Dec 2019
INFOGRAPHIC: the Aussies falling victim to scams
Cassandra Hewett & Marc Broome | Head of Financial Crime and Complex Investigations Lead, ANZ
Scams are no longer just clunky calls claiming to be from the tax office or your bank. Take a look at which Australians are getting snared.
02 Dec 2019
ANZ Board Minutes: banks on the production line
Andrew Cornell | Managing Editor, bluenotes
Graeme Liebelt believes the financial services have a lot to learn from manufacturing. And it’s time to get back to basics.
29 Nov 2019
Migrant Australians: a right to learn
Professor Roslyn Russell | Principal Research Fellow, RMIT University
As global migration patterns shift, Australian financial services must be ready to provide support to new arrivals.
27 Nov 2019
Fintech threat: not just where you think
Andrew Cornell | Managing Editor, bluenotes
The fintech revolution is entering the negotiated truce phase - but bigtech looms on a new front.
26 Nov 2019
PODCAST: banking on innovation
Nick Higginbottom | bluenotes contributor, ANZ
Fintechs and banks come together for shared strategic benefit under ANZ’s new investments team, ANZi Ventures.
25 Nov 2019
Challenger banks: still a challenge?
Steve Worthington | Professor at Swinburne University
Before fintech, before neo-banks, there were ‘challenger’ banks. Where are they now?
14 Nov 2019
Interest rates: through the looking-glass
James Culham | Executive Director, Institutional Portfolio Management, ANZ
As interest rates tend towards zero, will central banks be forced to turn to unconventional monetary policies?
13 Nov 2019
2019 bank profits: challenging, backwards, turbulent
Andrew Cornell | Managing Editor, bluenotes
The major Australian banks have reported their full-year results. The outcomes were grim, the future a challenge.
31 Oct 2019
Jablko: challenges underscore strategy
Andrew Cornell | Managing Editor, bluenotes
Regulatory and compliance investments will make the bank better for customers, says ANZ CFO.
31 Oct 2019
Elliott: solid performance in challenging conditions
Andrew Cornell | Managing Editor, bluenotes
CEO says strong performances in Institutional banking and New Zealand offset a weaker result in Australia.
31 Oct 2019
INFOGRAPHIC: ANZ’s 2019 full-year result
Jill Campbell | Head of Investor Relations, ANZ
Review the highlights of ANZ’s full-year result in an easy-to-read infographic.
31 Oct 2019
FULL COVERAGE: ANZ’s full-year 2019 result
bluenotes contributors |
Everything you need to know about ANZ’s 2019 full-year result in one place.
25 Oct 2019
Busting open banking wide open
Paul Wiebusch | Associate, Quill Peak
The launch of open banking in Australia will cause widespread frenzy as people immediately leave their bank for a challenger. Or will it?
23 Oct 2019
Aus fintechs: riding the investment wave
Alex Trott | Banking Lead, Accenture Australia and New Zealand
As investment in fintech continues to grow, are the incumbent banks facing impending doom?
02 Oct 2019
Fintechs folding in
Andrew Cornell | Managing Editor, bluenotes
The Bank of the Future would do well to look into the past as well as the fintech forecast.
30 Sep 2019
Corn economics goes pop
James Culham | Executive Director, Institutional Portfolio Management, ANZ
As the Australian economy ponders the impact of zero - or negative - interest rates, can the answer be found in corn?
23 Sep 2019
Auditing culture to do better
Shane Buggle | Group General Manager Internal Audit, ANZ
Large organisations have complex cultures. Deeper understanding helps identify where change is needed.
23 Sep 2019
SIBOS19: full coverage
bluenotes shines a spotlight on the biggest trends dominating the banking and technology industries now and in the future.
21 Sep 2019
SIBOS19: machine learning - homines in machina
Arun Kayal & Shane White | AD Institutional Communications & Institutional Content Manager, ANZ
Machine learning isn’t all robotic – people need to be involved too. The lessons will change the game for banks and their customers.
20 Sep 2019
SIBOS19: fin meets tech meets fintech meets techfin
Arun Kayal | Associate Director Communications, ANZ Institutional
There’s a good reason why banking and technology experts have been turning up to Sibos for over 40 years.
19 Sep 2019
SIBOS19: finserv leaders should be payments experts
Arun Kayal & Shane White | AD Institutional Communications & Institutional Content Manager, ANZ
Banks must educate the broader financial services industry on the benefits of real-time payments platforms, according to two experts.
18 Sep 2019
SIBOS19: banking on a history of adaptation
Mark Evans | Managing Director Transaction Banking, ANZ
Banks don’t look - or function - the way they did a century ago. And they won’t be the same in the next century. Or the next decade…
18 Sep 2019
Zero rates: paranormal activity 2
Andrew Cornell | Managing Editor, bluenotes
As interest rates continue to drop, global economies must prepare for a new era of monetary policy and business risk.
17 Sep 2019
SIBOS19: businesses grow on Lygon
Adam Grant | Head of Trade & Supply Chain, ANZ
Distributed ledgers, long an answer without a question, are now being used to solve real problems for both businesses and customers.
04 Sep 2019
Interest factor zero
Andrew Cornell | Managing Editor, bluenotes
The idea unprecedented negative interest rates will spur the economy isn’t coming to fruition, so what are they doing?
26 Aug 2019
Know your credit history
Mike Ebstein | Director, MWE Consulting
Credit cards in Australia have changed a lot since they were first introduced 45 years ago.
22 Aug 2019
Gonski: our self-assessment and what we are doing
David Gonski AC | Chairman at ANZ
ANZ Chairman outlines actions the bank is taking to address issues raised by APRA self-assessment.
21 Aug 2019
Are banks too profitable? Or not profitable enough?
Andrew Cornell | Managing Editor, bluenotes
Although bank profits might not be a crowd favourite, they’re necessary - and good - for the economy. So say the regulators.
16 Aug 2019
ANZ mortgage focus showing promise: Hand
Andrew Cornell | Managing Editor, bluenotes
Better clarity and faster processing of mortgage approvals improving outcomes, risk settings maintained, Australia head says.
25 Jul 2019
Private virtue, public vice
James Culham | Executive Director, Institutional Portfolio Management, ANZ
Are economies staring down the barrel of the next recession? And how will monetary policies and investments help them float.
07 May 2019
Modern Monetary Theory: crock or insight?
James Culham | Executive Director, Institutional Portfolio Management, ANZ
The debate over MMT has hit the mainstream – so is it really that bad (or good)?
01 May 2019
FULL COVERAGE: ANZ’s HY19 result
bluenotes contributors |
The complete story of ANZ’s 2019 half-year result in one place.
01 May 2019
In pictures: ANZ’s 2019 half-year result
Melissa Currie | Creative Content Producer, bluenotes
All the highlights of ANZ’s interim earnings in an easy-to-digest infographic.
01 May 2019
Jablko: benefits of staying disciplined
Andrew Cornell | Managing Editor, bluenotes
Driving a better outcome for shareholders is key to capital allocation, says ANZ’s CFO.
01 May 2019
Elliott: optimistic in tough conditions
Andrew Cornell | Managing Editor, bluenotes
CEO says ANZ is managing well through transformation and a tricky environment.
30 Apr 2019
Bank to the future
Andrew Cornell | Managing Editor, bluenotes
As more and more competitors enter the arena, will traditional banks step up or do they – wrongly – fear competition?
29 Apr 2019
Can fintech keep up the pace?
Alex Trott | Banking Lead, Accenture Australia and New Zealand
The fintech market might be booming but can these nimble companies keep up with big corporates?
23 Apr 2019
Using the right payments funnel
John Collins | Payments & Merchants Lead, ANZ
Businesses are being empowered to choose how their tap-and-go payments are processed, says ANZ’s Payments and Merchants Lead.
17 Apr 2019
Five years of bluenotes; that’s not all we’ve got…
Andrew Cornell | Managing Editor, bluenotes
Since launching five years ago, bluenotes – and our audience – has changed. We’re still striving to adapt and deliver engaging content.
08 Apr 2019
A leaner, sharper & more agile institutional bank
Mark Whelan | Group Executive Institutional, ANZ
ANZ’s Whelan on the rebuilding of ANZ Institutional and the emerging opportunities for a fit-for-purpose business.
02 Apr 2019
Who’s holding the digital purse strings?
Andrew Cornell | Managing Editor, bluenotes
Tech companies are developing their own credit cards, payments platforms and wallets to store them in – but what do consumers want?
25 Mar 2019
Creating and destroying money
James Culham | Executive Director, Institutional Portfolio Management, ANZ
Do banks just create unlimited amounts of money out of thin air?
20 Mar 2019
Why the world wants more regulation. And what it means
Andrew Cornell | Managing Editor, bluenotes
There are a multitude of reasons why momentum is shifting towards more rules and regulations.
13 Mar 2019
Fintech’s delicate balancing act
Leilah Schubert | Senior Media and Public Relations Advisor, UTS Business School
Researchers from Australia and South Korea have come together to discuss the challenges and opportunities of fostering fintech.
05 Mar 2019
How do central banks manage money?
James Culham | Executive Director, Institutional Portfolio Management, ANZ
The recent spikes in bank funding costs have implications for central banking policy.
27 Feb 2019
Non-banks: looking like banks, acting like banks, regulated like banks
Andrew Cornell | Managing Editor, bluenotes
As challenger banks promise to be better than the banks, can they avoid becoming banks themselves?
21 Feb 2019
Elliott: tighter conditions ahead for mortgage markets
Andrew Cornell | Managing Editor, bluenotes
ANZ CEO Shayne Elliott discusses the outlook for credit quality and customer commitments post-Royal Commission.
14 Feb 2019
Elliott: responding to the Royal Commission
Brett Foley | bluenotes contributor
ANZ CEO says the bank must respond to the Royal Commission’s recommendations in two ways.
13 Feb 2019
So much to buy, many ways to pay
Andrew Cornell | Managing Editor, bluenotes
Paying for goods and services has never been so complicated with hundreds of payments options.
18 Jan 2019
Disappearing payments
Gemma Simpson | Digital Producer, bluenotes
Payments are disappearing from view thanks to mobile wallets.
16 Jan 2019
Goat entrails and banks
Andrew Cornell | Managing Editor, bluenotes
What’s to come in 2019 for the banking and financial services sector?
13 Dec 2018
Future for gov & banking depends on partnerships
Maile Carnegie | Group Executive - Australia Retail, ANZ
Banks and governments can work together to ensure people – customers and citizens - get what they need.
12 Dec 2018
ANZ Board Minutes: banks, trust & the governance challenge
Andrew Cornell | Managing Editor, bluenotes
In the first of our new series, ANZ chairman David Gonski speaks on video about the future challenges for financial services.
10 Dec 2018
What Australia can learn from the UK on open banking
Alex Scriven | Head of Open Data & Portfolio Management, Equifax
Australia’s financial services sector will have the opportunity to learn from the UK on open banking in 2019.
23 Nov 2018
Hong Kong: a new era of smart banking
Ivy Au Yeung | Chief Executive Officer ANZ Hong Kong
The Hong Kong Monetary Authority (HKMA) has announced seven initiatives to prepare Hong Kong for smarter banking systems.
20 Nov 2018
Change, tech & banking, from the floor
Charles Wachira | Associate Director, Institutional, ANZ
What do the coming changes in financial services mean for the bank employee of the future?
12 Nov 2018
A snapshot of the year that’s been
Anna Stewart | Head of Corporate Sustainability, ANZ
ANZ’s 2018 Annual Review tells a story about how we are creating value for all our stakeholders.
05 Nov 2018
Gonski: simplification is critical
David Gonski AC | Chairman at ANZ
A better, simpler bank is more focused and easier to manage in an environment where regulation and compliance are increasing.
31 Oct 2018
FULL COVERAGE: ANZ’s FY18 result
bluenotes contributors |
Everything you need to know about ANZ’s 2018 full-year result in one place.
31 Oct 2018
ANZ strategy paying off: Jablko
Andrew Cornell | Managing Editor, bluenotes
Simplification drives improved capital flexibility, credit quality and continued lower costs in full year, CFO says.
31 Oct 2018
INFOGRAPHIC: ANZ’s full-year result in pictures
Melissa Currie | Creative Content Producer, bluenotes
See highlights of ANZ’s full-year result represented in an infographic.
31 Oct 2018
ANZ fit for tough new world of banking: Elliott
Andrew Cornell | Managing Editor, bluenotes
ANZ CEO says bank is in the right shape for growth in an environment of change after small dip in cash profit.
30 Oct 2018
The $US11trn green finance opportunity
Christina Tonkin | Managing Director of Corporate Finance ANZ Institutional
Green finance offers a huge opportunity for banks willing to get involved in the burgeoning sector.
22 Oct 2018
SIBOS2018: full coverage
bluenotes contributors |
Read our full coverage of the Sibos 2018 conference in Sydney.
19 Oct 2018
SIBOS2018: blockchain, airports & the trade of the future
Vivek Gupta | Head of Trade & Supply Chain, Greater China & North Asia, ANZ
How distributed ledger platforms and ecosystems develop in the trade finance space will be fascinating to watch.
19 Oct 2018
SIBOS2018: fintech, speed dating & banking’s north star
Shane White | Content Manager - Institutional, ANZ
Emerging technology in financial services is driving industry collaboration to an all-time high.
19 Oct 2018
Why we must enable banks to be enabled
Shayne Elliott | Chief Executive Officer, ANZ
Ahead of Sibos 2018, ANZ’s CEO shares his thoughts on five key themes set to dominate discourse at the conference.
18 Oct 2018
Everything you need to know about Sibos
Jane Cooper | bluenotes contributor
So what is Sibos anyway? Our comprehensive explainer fills you in.
01 Oct 2018
Kiddy banking: as easy as save, spend, give
Shannon Peachey | Tribe Lead, Savers & Investors, ANZ
Teaching children about money will improve their financial literacy as adults, research shows.
19 Sep 2018
It could have been worse
Andrew Cornell | Managing Editor, bluenotes
The global economy survived a crisis, Australia dodged a recession, Wall St bankers were bailed out. Not everyone was happy with the response but what else should have been done?
12 Sep 2018
Lessons learned (& forgotten) from the crisis
Andrew Cornell | Managing Editor, bluenotes
The Australian financial system endured the GFC as well as any in the world. What happened?
10 Sep 2018
Banking: where does the money come from?
James Culham | Executive Director, Institutional Portfolio Management, ANZ
What is it that banks actually do that nobody else can?
06 Sep 2018
ANZ, Atlassian & lessons from a meteoric rise
Gerard Florian | Group Executive Technology, ANZ
ANZ head of technology wants new deal with Atlassian to be a much-deeper relationship than vendor-client.
05 Sep 2018
India will solve its banking crisis – but what happens then?
Richard Yetsenga & Sanjay Mathur | Chief Economist & Chief Economist, SE Asia & India, ANZ
India’s troubles shall pass – but don’t assume lending will return with vigour in quick succession.
29 Aug 2018
Banks v fintechs: better the devil you know
Andrew Cornell | Managing Editor, bluenotes
Disruption is on the horizon and banks can’t avoid it but that doesn’t mean they’re doomed.
28 Aug 2018
bluenotes debate: the future of banks
Carina Parisella | Innovation & Diversity Editor, bluenotes
Are banks still necessary? A panel of banking and fintech experts debate the pros and cons of the financial services industry.
27 Aug 2018
FURTHER READING: how money moves
Jemma Wight | Production Editor, bluenotes
Often called the “plumbing” of banking, the payments business is complex – and potentially risky.
24 Aug 2018
Open banking: rollout with care
Poli Konstantinidis | Executive GM Credit Services & Decision Analytics, Experian ANZ
The rollout of open banking in Australia should be exercised with care, according to an expert from Experian.
15 Aug 2018
You’re too young for the golden age (of banks)
Andrew Cornell | Managing Editor, bluenotes
Banking is essential; banks are not. What will the bank of the future even be?
14 Aug 2018
Millennials opening the door for open banking
Alex Trott | Banking Lead, Accenture Australia and New Zealand
Young consumers are primed for open banking opportunities in Australia.
08 Aug 2018
Fintech: live, die, repeat
Andrew Cornell | Managing Editor, bluenotes
The fintech revolution will be televised - by the major networks. Ideas with a true value will either partner with, or be enveloped by, the establishment. But not necessarily banks…
25 Jul 2018
The digital banking paradox
Andrew Cornell | Managing Editor, bluenotes
Surely banks which want to be truly digital really can’t be banks at all?
18 Jul 2018
FURTHER READING: omni everywhere
Gemma Simpson | bluenotes contributor
It’s banking, for everyone, in one spot. Or is it? Leigh Mahoney clears the air around omnichannel.
18 Jul 2018
Fintech’s double-edged sword
Andrew Cornell | Managing Editor, bluenotes
Fintech is trying to reach the summit but will face the same issues as the incumbents once (or even if) it gets there.
11 Jul 2018
For banks, how big is too big to fail?
Andrew Cornell | Managing Editor, bluenotes
In some markets there is a sound economic argument for dominant institutions.
10 Jul 2018
Risk, football and picking winners
Didier Magloire | Global Head of Financial Institutions, Sovereign & Country Risk Management, ANZ
Building a predicative model for football tournament is not hugely different from assessing financial services risk, it turns out.
05 Jul 2018
The gothic bank and the rise and fall of Marvellous Melbourne
James Wilson | History editor
ANZ’s Queen St branch represents a fascinating time in the history of not just the bank but Victoria and Australia.
04 Jul 2018
How to strike oil in data exploration
Andrew Cornell | Managing Editor, bluenotes
A data-enriched experience is something many fintechs see as an advantage in the fight against banks.
16 May 2018
Bank results: what lurks beneath?
Andrew Cornell | Managing Editor, bluenotes
Results were solid – but stepping back from the headlines, the outlook for the sector is tough.
09 May 2018
ANZ names Alexis George deputy CEO
Andrew Cornell | Managing Editor, bluenotes
Bank’s head of wealth to take “really valuable” role in addition to current responsibilities. Mark Hand joins executive committee.
07 May 2018
Stronger planning rules to help customers: George
Andrew Cornell | Managing Editor, bluenotes
ANZ unveils suit of initiatives aimed at improving customer trust in financial advice.
01 May 2018
Full coverage: ANZ's half-year profit
Jemma Wight | Production Editor, bluenotes
We bring you all the news and insights from ANZ's half-year interim profit.
01 May 2018
IN PICTURES: ANZ’s half-year profit
Jill Campbell | Head of Investor Relations, ANZ
See the bank’s first-half result in an infographic which spells out the key figures.
01 May 2018
ANZ putting resources where it counts most: Jablko
Andrew Cornell | Managing Editor, bluenotes
CFO says bank’s commitment to simplification has helped lower costs, drive profit.
01 May 2018
Operational efficiency pushes HY profit: Elliott
Andrew Cornell | Managing Editor, bluenotes
CEO cites continued simplification, rising share of home loans as drivers of growth.
18 Apr 2018
The curious case of funding costs
Andrew Cornell | Managing Editor, bluenotes
Recent stability in funding costs for banks has been jolted - and no one’s completely sure why.
16 Apr 2018
INFOGRAPHIC: Asia’s fintech feast
Balaji Natarajan | Head of Payments and Cash Management Products Asia, ANZ
Asian nations are adopting new technologies and platforms as they push to expand their digital economies.
11 Apr 2018
PODCAST: opening up on open data
Andrew Cornell | Managing Editor, bluenotes
Open banking is coming. What are the implications – not just for banks but everyone? Two experts debate the outlook.
11 Apr 2018
People’s banks historically not good for people
Andrew Cornell | Managing Editor, bluenotes
There are dangers in governments entering the private sector on the promise of a better deal.
06 Apr 2018
Banks face fork in the road – and must get off the beaten track
Carina Parisella | Innovation & Diversity Editor, bluenotes
MIT professor & futurist Peter Weill says banks must reinvent a model which has been very successful for a long time.
28 Mar 2018
Keep KISSing in banking
Andrew Cornell | Managing Editor, bluenotes
Banks are caught in a new kind of race - who can become more efficient, more quickly?
15 Feb 2018
Asia’s $A110bn emerging opportunity
Jan Bellens | Global Emerging Markets Leader, EY
Tech advances in emerging markets are opening up a significant growth opportunity for banks.
14 Feb 2018
Competition and/or stability in banking?
Andrew Cornell | Managing Editor, bluenotes
The challenge for policymakers is to ensure disruption benefits the economy and doesn’t break it.
07 Feb 2018
When sharper credit's too sharp
Andrew Cornell | Managing Editor, bluenotes
Well-intentioned but comprehensive credit reporting comes with risks for everyone. How do we handle it with care?
31 Jan 2018
Digital and the power of mockery
Andrew Cornell | Managing Editor, bluenotes
Is the ideal model for financial services in the future a bionic bank?
12 Dec 2017
Elliott: wealth simplification complete
Andrew Cornell | Managing Editor, bluenotes
Speaking on video, ANZ CEO says more-focussed bank helps its customers and shareholders.
09 Nov 2017
Banking in time of war
James Wilson | History editor
In World War One employees from an ANZ predecessor bank volunteered at a higher rate than the general population.
08 Nov 2017
The KISS principle in banking
Andrew Cornell | Managing Editor, bluenotes
The underlying current of simplification in banking is easy to overlook and underestimate.
31 Oct 2017
Hard, smart work leads to profit at ANZ NZ
David Hisco | Former CEO New Zealand, ANZ
For the first time ANZ’s brand consideration is number one out of all NZ banks.
27 Oct 2017
The ghost of banking past
James Wilson | History editor
ANZ’s safety deposits facility – and maybe something else - has kept a watchful eye on secrets for more than a century.
26 Oct 2017
ANZ reshaping paying off: Elliott
Andrew Cornell | Managing Editor, bluenotes
CEO says better-focussed bank has delivered higher returns while reducing costs and growing capital after announcing full-year profit growth.
26 Oct 2017
FULL COVERAGE: ANZ 2017 full-year result
bluenotes contributors |
Videos, images and insights into ANZ's latest profit result.
26 Oct 2017
INFOGRAPHIC: see ANZ’s full-year result in pictures
Shane White & Jemma Wight | Senior production editor & production editor, bluenotes
See the highlights of ANZ’s rise in cash profit in visual form.
26 Oct 2017
Jablko: ANZ capital put to best use
Andrew Cornell | Managing Editor, bluenotes
ANZ CFO says bank has capital flexibility, is focussed on better returns for risk and continues to reshape its business.
25 Oct 2017
The consumer inertia in banking
Andrew Cornell | Managing Editor, bluenotes
If the financial services market is so competitive, why don’t consumers move around?
17 Oct 2017
ANZ still committed to wealth customers: George
Andrew Cornell | Managing Editor, bluenotes
ANZ sells OnePath to IOOF in deal which will separate super and insurance arms.
09 Oct 2017
Apple iPhone X - the mobile banking era is over
Carina Parisella | Innovation & Diversity Editor, bluenotes
Banking is now about convenience – and it’s up to banks to learn where the friction points are.
04 Oct 2017
Regulators vow to be more cultured
Andrew Cornell | Managing Editor, bluenotes
Culture’s hard to create – and maintain – but shouldn’t be written off as unmanagable.
03 Oct 2017
Bringing assurance back to insurance
Alexis George | Deputy Chief Executive Officer & Group Executive Wealth Australia, ANZ
Australia’s insurance sector is suffering from a combination of public mistrust and the need for more-affordable, accessible cover.
14 Sep 2017
On history and breaking into your own bank
James Wilson | History editor
ANZ isn’t a 200-year old startup, but has a similar story of humble origins.
05 Sep 2017
Tech-tock, the tech clock is ticking
Andrew Cornell | Managing Editor, bluenotes
For financial services, those who own the customer will have the highest margins.
23 Aug 2017
Does size matter when it comes to culture?
Andrew Cornell | Managing Editor, bluenotes
Banks face challenges in communication and culture – and earnings - which come simply from being too big and complex.
18 Aug 2017
Mobile history: drive-up banking & more
James Wilson | History editor
In the first of our ANZ History Series we take a look at the evolution of banking mobility.
16 Aug 2017
Why should banks be digital?
Andrew Cornell | Managing Editor, bluenotes
Banks need to be digital, on that all agree. But what does that actually mean? Robots, AI, branches in phones?
15 Aug 2017
Strong progress for ANZ in Q3: Elliott
Andrew Cornell | Managing Editor, bluenotes
CEO pleased with cost performance; operational changes; growth in loan book; lower RWAs.
14 Aug 2017
Biz must adapt to tech as a service: Florian
Andrew Cornell | Managing Editor, bluenotes
ANZ tech GE says on video businesses must align with modern customer expectations.
04 Aug 2017
China set to bolster regulatory oversight
Raymond Yeung | Chief Economist Greater China, ANZ
Asian giant mulls further regulatory reform amid convergence of financial services.
01 Aug 2017
ANZ focus is where we can win: Elliott
Andrew Cornell | Managing Editor, bluenotes
CEO says bank’s strategy is about intense focus and delivery in segments it can win.
21 Jul 2017
Alibaba, fintech & techfin
Steve Worthington | Professor at Swinburne University
Move over financial services and fintechs – techfins are here to eat your lunch.
19 Jul 2017
Identity theft: stopping a digital zombie apocalypse
Andrew Cornell | Managing Editor, bluenotes
Hordes of fake identities are being created for the purpose of illegally obtaining credit.
12 Jul 2017
The new, old, new work paradigm
Andrew Cornell | Managing Editor, bluenotes
Rarely has there been a greater business focus on the need to fundamentally transform – and banks are at the epicentre.
11 Jul 2017
Why bank guarantees need blockchain
Hari Janakiraman, Rodolf Salem & Chris T’en |
A cross-industry initiative shows blockchain can cut costs and improve security in bank guarantees in commercial property leasing and beyond.
05 Jul 2017
The GFC: When will it end?
Andrew Cornell | Managing Editor, bluenotes
A decade after the financial crisis, have we learned anything? It’s a crisis which keeps on taking.
30 Jun 2017
Q&A: BoE’s Carney on the role of business on climate
Francine Lacqua | Bloomberg
FSB chair chats to Bloomberg about climate and financial stability ahead of G-20 meeting.
22 Jun 2017
Positive signs for China’s onshore financial market
Khoon Goh | Head of Asia Research, ANZ
Positive signs for China’s onshore financial market should incentivise Chinese regulators to further improve its regulatory transparency and oversight.
07 Jun 2017
Banking industry: time to swot
Andrew Cornell | Managing Editor, bluenotes
It’s lonely at the top. Banks need to learn from their mistakes.
04 May 2017
The Fed, perception and reality
Mark Rider | Chief Investment Officer, ANZ Wealth
When the US Federal Reserve raises interest rates we assume that means tighter financial conditions leading to a slower economy and knock-on impacts to the share market. However, reality is not quite that simple.
02 May 2017
INFOGRAPHIC: ANZ’s profit in pictures
Stephen Ries | Head of Media Relations, ANZ
Consistency in approach has delivered ANZ a 23 per cent lift in cash profit in the first half, supporting an improved return on equity.
02 May 2017
Jablko: ANZ happy with capital position; has flexibility
Andrew Cornell | Managing Editor, bluenotes
ANZ’s portfolio rebalancing, improved productivity and lower provisions all contributed to a strong improvement in return-on-equity for the bank in the first half, ANZ chief financial officer Michelle Jablko says.
02 May 2017
ANZ overhauls its organisational approach to improve customer experience
Andrew Cornell | Managing Editor, bluenotes
ANZ is shaking up its management style in a move CEO Shayne Elliott hopes will improve the way the bank responds to customer needs, empower staff and improve productivity.
02 May 2017
ANZ strategy delivering improved returns: Elliott
Andrew Cornell | Managing Editor, bluenotes
ANZ has delivered a strong half-year result which demonstrates consistency in execution, ANZ CEO Shayne Elliott says, adding he is optimistic for the full-year result.
21 Apr 2017
China, wealth and weaker bonds
David Qu & Raymond Yeung | China Markets Economist & Chief Economist Greater China, ANZ
In early April reports suggested Chinese regulatory authorities were looking to tighten their surveillance of entrusted investments among different financial institutions.
20 Apr 2017
Pressures and promise for banking in APAC
Andrew Cornell | Managing Editor, bluenotes
Judging by the headlines of McKinsey & Co’s latest Asia-Pacific Banking Review, it’s becoming less attractive to bank in the region as an era when this part of the world was the most fertile for growth loses vigour.
04 Apr 2017
ANZ looks to future of wealth business; options open: Elliott
Andrew Cornell | Managing Editor, bluenotes
ANZ chief executive Shayne Elliott says the bank is seeking a partner and exploring models for its wealth business but insists the industry remains critical to the bank’s customer proposition.
28 Mar 2017
You can trust Trust is on the regulatory agenda
Andrew Cornell | Managing Editor, bluenotes
Lest anyone think the apparently newly found interest by banks and boards in trust and social licence is purely marketing rather than a recognition of its fundamental importance, they can be reassured banking regulators are deadly earnest.
17 Mar 2017
INFOGRAPHIC: what banks will do next
Tim Dring | Oceania Banking & Capital Markets leader, EY
It’s an uncertain time for business around the world and banks are no exception. Profitability has been squeezed as global economic growth weakens and political uncertainty reigns. But uncertainty cannot be an excuse for inaction.
01 Mar 2017
Maile Carnegie named ANZ head of digital
Andrew Cornell | Managing Editor, bluenotes
ANZ's Incoming Group Executive Digital Banking Maile Carnegie says the bank needs to look to solutions from the tech sector to succeed in an increasingly digital market - but adds digital "transplants" don't work.
28 Feb 2017
It’s banking, Jim – but not as we know it
Andrew Cornell | Managing Editor, bluenotes
Trust is the word of the moment in banking: can customers trust banks? Can society? But banking has always been fundamentally a trust business: when neither borrowers nor lenders know one another well enough, they trust a bank to act as an intermediary.