01 Dec 2023
Global lesson in technology and regulation
Jo Hayes |
How do we prepare for what’s coming in terms of technology and regulation? Talking to overseas counterparts can help.
Digital
29 Nov 2023
Cracking the criminal networks
Marc Broome | Senior Manager, Complex Investigations with Customer Protection, ANZ
There are thousands of ATMs spread across Australia. Which one will criminals use for money laundering? Ask ANZ’s internal investigators.
24 Nov 2023
Removing fragmentation risk from CBDCs
Suresh Rajalingam | Head of Oceania, Swift
The payments landscape is evolving rapidly – but could this disrupt the global economy if emerging digital currencies and traditional institutions find it difficult to co-exist?
23 Nov 2023
Fraud by any other name…
Cassandra Hewett & Kishanie Wijewickrama | Head of Financial Crime and Head of Group Integrity, ANZ
Fraud – a tale as old as time. While the motivations to defraud remain the same, the methods have become more sophisticated. But so have the ways to defend against it.
22 Nov 2023
BEHIND THE NUMBERS: Building a retail banking platform for tomorrow
Maile Carnegie | Group Executive - Australia Retail, ANZ
The ANZ Plus retail banking platform is rapidly adding new features and attracting new customers. And what we’ve seen so far it just the tip of the iceberg.
16 Nov 2023
Australian shoppers adapt to changing economic landscape
Sweta Mehra | Managing Director, Everyday Banking, ANZ
With inflation rising and Black Friday sales and Christmas approaching, saving money has become a priority for shoppers. In the digital era, savvy spenders are using tools to help them reach their budgeting goals.
13 Nov 2023
BEHIND THE NUMBERS: a platform for success
Lisa Vasic & Mark Whelan | MD Transaction Banking, Institutional & Group Executive Institutional, ANZ
ANZ Institutional is using digital platforms to offer banking services to large companies and financial institutions at a scale unimagined a decade ago. And it’s showing up in the bank’s full year result.
26 Oct 2023
We are in the fight against scammers together
Shayne Elliott | Chief Executive Officer, ANZ
Don’t be embarrassed if you are scammed online. Don’t feel alone either. Reach out. This fight requires a whole of community response.
19 Oct 2023
Savings for a roof over your head, and for rainy days to come
Maile Carnegie | Group Executive - Australia Retail, ANZ
The Saver Plus program has helped 53,000 people save more than $27 million. It’s also helped people like Danielle with her long-term saving goal of home ownership.
21 Sep 2023
The price of progress
Richard Yetsenga | Chief Economist, ANZ
The deflation caused by the ever-popular semiconductor, used in everything from computers to smartphones, is running out of steam. Why is this happening and what does it mean for the economy?
19 Sep 2023
Navigating the cloud atlas
Sally Lau | Cloud Capability Lead, Technology ANZ
Cloud. Data. Automation. Artificial intelligence. To understand the future, you need to know each part of the jigsaw. ANZ is using cutting-edge technology to create a full picture.
18 Sep 2023
AI to help make better banks
Leigh Mahoney | Head of Wholesale Digital, ANZ
Everyone has an eye on AI and how it will help clients. But it will also assist staff – and make for better banks overall.
13 Sep 2023
The future of security is layered
Gabe Steele | Join Value Stream Lead, ANZx
Is your personal information being stolen and misused? Do you even know? Better protection is here – and it comes in layers.
12 Sep 2023
Driving force in Australia’s cyber battlefield
Brett Foley | Managing Editor, bluenotes
Whether protecting trillions of dollars of customers’ money or guarding the nation from cyber-attack, Lynwen Connick has been at the cutting edge of digital change.
11 Sep 2023
A digital backbone for our global network
Mark Whelan | Group Executive Institutional, ANZ
A lot can change in seven years. Simplification, investing in technology, developing growth businesses and staying close to what customers need has helped ANZ’s Institutional business transform over that time.
06 Sep 2023
Central banks tangle with the digital currency conundrum
Brett Foley | Managing Editor, bluenotes
Opinion is divided on the future of central bank digital currencies. Australian regulators have been studying potential use cases, but will they kick the can down the road?
22 Aug 2023
Adapting the artificial intelligence model
Tim Hogarth | Chief Technology Officer, ANZ
When does AI move from sci-fi to helping you in your day job? It already is, with ANZ’s chatbot Z-GPT.
21 Aug 2023
A new view on the property market
Brett Foley | Managing Editor, bluenotes
Technology is disrupting every aspect of business, including the property market. View Media Group wants to harness that innovation to change the way consumers buy and sell property – and more.
14 Aug 2023
Payments: the road ahead
Jackie Kallman | Head of Payments Industry & Engagement, ANZ
The merger of BPAY, eftpos and NPPA was designed to allow these platforms to tackle the rapid evolution of the payments ecosystem. This is what the future looks like.
30 Jun 2023
What is the majority?
Meg Dalling | Customer Advocate, ANZ
It’s good business to appeal to as many people as possible - so why do so many businesses automatically exclude people with accessibility needs?
23 Jun 2023
Maintaining digital payments in an offline world
Cindy He | Manager, Industry & Innovation, ANZ Institutional
If money is going digital - and it looks like it is – we need a Plan B for when we can’t be online. ANZ has some ideas.
26 May 2023
Testing the case for central bank digital currencies
Nigel Dobson | Banking Services Lead, ANZ
The use of central bank digital currencies is gathering pace and there is much work being done by banks and regulators to underpin how these emerging digital assets may be deployed.
11 May 2023
Cloud 101: silver linings playbook
Jaimee Salmon & Sally Lau | Cloud Transformation Specialist, Google & Cloud Capability Lead, ANZ
Your photos are stored there, your favourite tunes are filed there and, increasingly, billions of dollars are transacted there. It is the Cloud. And many of us are still learning what it is.
26 Apr 2023
The rise of digital identity wallets: will banks be left behind?
Jukka Yliuntinen & Kevin Faragher | Global Head of Digital Solutions, Giesecke+Devrient & AVP Digital Identity Product, Interac Corp.
The trust customers have placed in banks for centuries could enable lenders to take a leadership role in the fast-evolving world of digital wallets.
17 Apr 2023
Bleep of faith: why tech needs risk takers
Professor Mary-Anne Williams | Michael J Crouch Chair for Innovation, UNSW & Deputy Director, UNSW AI Institute
You may be an expert in your field but are you ready to roll the dice? Xero chair David Thodey on how to live innovation.
10 Mar 2023
Big data is king but we don’t need to be servants
Danny Tyrrell | Co-founder, DataCo
Online has replaced face-to-face. But companies need rules of engagement if they are to be trusted with data.
02 Feb 2023
Hey ChatGPT, build me a bank…
Andrew Cornell | Past Managing Editor, bluenotes
AI, web3, DeFi, Big Tech, fintech, Metaverse, private capital, the forces arrayed against traditional banking continue to mass.
07 Dec 2022
A new home loan process – plus more
Peter Dalton | Managing Director Design & Development, ANZx
ANZ Plus is poised to launch its digital home loan, which reuses about 70 per cent of the technology developed for its savings and transaction account.
22 Nov 2022
Customer onboarding: Who wins in the battle of speed vs safety?
Gabe Steele | Join Value Stream Lead, ANZx
Banks are rushing to remove friction from setting up digital accounts but this should never be done at the risk of compromising security.
13 Oct 2022
No De-Fi-ing the regulators
Andrew Cornell | Past Managing Editor, bluenotes
The Innovation brought by new De-Fi technology has regulators on edge. The must balance innovation and crisis.
29 Sep 2022
De-fi the metaverse
Shane White | Content Manager, Institutional, ANZ
The development of digital currencies continues apace and all companies need to think about what it means for their business.
27 Sep 2022
A digital alternative to online identity theft risk
Andrew Cornell | Past Managing Editor, bluenotes
Identity theft is a global online scourge but one of the most promising fields of digital innovation is digital, secure IDs.
31 Aug 2022
The Digital Opportunity for sustainability
Paul O'Sullivan | Chairman, ANZ
Digital finance will be transformational. ANZ’s chairman outlines where the bank will participate and the opportunity for sustainability.
24 Aug 2022
To boldly go where no regulation has gone before
Andrew Cornell | Past Managing Editor, bluenotes
Maybe with some reluctance but the authorities are moving to bring the emerging world of digital assets and decentralised finance inside the official tent. Better inside maybe …
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.
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.
15 Dec 2021
ANZx emerging into the light
Maile Carnegie | Group Executive - Australia Retail, ANZ
The program will transform traditional banking and help people and businesses improve their financial wellbeing.
11 Oct 2021
Have you checked in? Scanning the history of QR codes
Luke Deer | Independent Researcher & Finance Tutor, University of Sydney Business School
QR codes have become an integral part of the post-COVID economy. But their origin was far from government use or commerce.
29 Sep 2021
DeFi-ing traditional finance
Andrew Cornell | Past Managing Editor, bluenotes
The global financial system is facing the next phase of the digital revolution – decentralised finance.
28 Sep 2021
Future-proofing marketing capability
Kate Young | Senior Manager Customer Centricity & Capability, ANZ
What makes an effective customer experience is changing. And so must marketers.
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?
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.
02 Sep 2021
Jobs program to boost digital workforce
Kathryn van der Merwe | Group Executive – Talent & Culture, ANZ
Technology has changed the way we live and work forever. Now more than ever companies need to recruit people with digital and data skills who are able to take on a changing employment landscape.
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?
21 Jul 2021
Under the hood: bank to the future with 1835i
Andrew Cornell | Past 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.
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.
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.
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.
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.
29 Mar 2021
Data, Technology and the Workforce of the Future
Alexis George | Deputy Chief Executive Officer & Group Executive Wealth Australia, ANZ
2020 crammed five years of evolution into one – that was true for workforces as well as technology and business operations.
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”?
16 Mar 2021
Deconstructing construction data
Tom Karemacher | Vice President APAC, Procore Technologies
Like many industries, construction is on the precipice of data and digital innovation. Companies must develop a blueprint.
11 Mar 2021
Some things don’t change. But much does…
Andrew Cornell | Past Managing Editor, bluenotes
Traditional banks have existed for thousands of years with one constant – change.
09 Mar 2021
Under the hood: wearing multiple hats
Shayne Elliott | Chief Executive Officer, ANZ
Running a small business can be an overwhelming experience. This digital financial assistance tool takes out the guesswork.
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.
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.
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.
08 Oct 2020
Data must go viral
Mohadesh Ganji | Head of Data Science, Home Loans, ANZ
Since the pandemic started, many organisations have realised the power and criticality of timely, accurate data and insight for key decision making.
01 Apr 2020
Cyberattack fears delay digitalisation
John O'Mahoney | Partner, Deloitte Access Economics Australia
APAC could miss out on hundreds of billions of dollars in growth over the next decade if countries don’t move on digitalisation plans.
11 Apr 2019
The Pacific: an arc of opportunity
Tessa Price | Regional Executive - Pacific Islands, ANZ
Renewed trade flows and digital innovation are opening up the relationship between the Pacific and Australia.
25 Jan 2019
Rise of the stablecoin
James Culham | Executive Director, Institutional Portfolio Management, ANZ
If 2018 was the year of bitcoin, perhaps 2019 will see the stablecoin take centre stage.
06 Dec 2018
More than a token effort
Matt Wood | Head of Digital Products and Partnership at Visa
Tokenisation: the technology changing digital commerce.
05 Dec 2018
South east Asia’s infinite capacity for surprise
Greg Earl | Writer, editor and consultant
It's not just China. South east Asia’s growth is becoming impossible to ignore and it’s happening at Australia’s front door.
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.
26 Oct 2018
Alicia and a story of online safety
Erica Hardinge | Head of Security Enablement, ANZ
Being safe online is as important for people at home as it is at work.
12 Oct 2018
A cyber-pact to make the team stronger
Lynwen Connick | CISO, ANZ
The financial cost of cybercrime grows every year – as does the human cost.
08 Oct 2018
Cybersecurity risk in business – it’s personal
Cosi De Angelis | GM Transaction Banking & Asset Finance Solutions, ANZ
To truly assess risk, a digital business strategy must consider cyber risks inside the business and the home.
20 Sep 2018
Trading up: digital drags trade into the 21st century
Mark Evans | Managing Director Transaction Banking, ANZ
Cross-border trade is a huge growth area for Australia but is weighed down by archaic, paper-based processing.
27 Jul 2018
Castles, moats and fending off digital raiders
Anthony Stevens | Founder & CEO, Digital Asset Ventures
The forces of digital disruption are undeniable. Here are two crucial planks of digital strategy all businesses need to know.
19 Jul 2018
Data & the understanding gap
Michael Morris | Technology, Media & Telecommunications Partner, Allens
There’s a chasm between business practice on data and consumer understanding of how it is actually used.
25 Jun 2018
How to craft a digital workspace
Kavitha Kadambi | GM Transformation Programs, Wipro
How can leaders craft modern workspaces using models, tools and procedures designed for bygone eras?
22 Jun 2018
LONGREAD: bringing out your dead data
Drew Turney | Freelance journalist
Need a file you saved 10 years ago? Good luck reading it. We explore the changing nature of digital storage.
14 Jun 2018
Data, social networks & the electronic edifice effect
Andrew Cornell | Past Managing Editor, bluenotes
Who do you trust with your personal data if you can’t trust Facebook?
12 Jan 2018
Everything you’ll ever need to know about blockchain - the revised edition
Christian Venter | GM Digital Technology, ANZ
We’ve updated our longform explainer taking you through the ins and outs of something not many people fully understand.
15 Dec 2017
blueprints: paying for Christmas
Thomas Hounslow | bluenotes contributor
Going deeper into credit-card debt seems to be a common Australian Christmas tradition.
01 Dec 2017
blueprints: more than child’s play
Thomas Hounslow | bluenotes contributor
Almost 95 per cent of Australian and New Zealand homes play video games. Still think it’s just for kids?
29 Nov 2017
Australia ranked 2nd in digital connectivity
Michelle Evans | Head of Digital Consumer Research, Euromonitor International
Strong investment and consumer adoption puts Australia in rare air globally.
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.
28 Sep 2017
Security, honesty & the trust business
Mike Bullock | Chief Operating Officer, ANZ New Zealand
From sci-fi to reality at rapid pace, cyberattacks which could cripple businesses – and even nation-states - are a real threat.
04 Sep 2017
PODCAST: the power (and security) of your voice
Peter Dalton | Managing Director Design & Development, ANZx
Mobile phones are set to become personal biometric devices, increasing security on a number of features.
28 Aug 2017
How to nail your mobile CX
Az Yousaf | General Manager of Digital Platforms at Kalido
Five key insights on mobile experiences every business needs to understand.
22 Aug 2017
Data and the key to success
Andrew Cornell | Past Managing Editor, bluenotes
How businesses actually use their data – rather than accrue it – will determine their success in the modern marketplace.
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 | Past Managing Editor, bluenotes
Banks need to be digital, on that all agree. But what does that actually mean? Robots, AI, branches in phones?
14 Aug 2017
Biz must adapt to tech as a service: Florian
Andrew Cornell | Past Managing Editor, bluenotes
ANZ tech GE says on video businesses must align with modern customer expectations.
13 Jul 2017
Finding the right signal for modern comms
Rita Zonius | Former Head of Internal Digital Communications, ANZ
The old communications model has been disrupted – but we shouldn’t fear the future.
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.
04 Jul 2017
Hello?
Peter Dalton | Managing Director Design & Development, ANZx
Far more than just a telephone, the iPhone has changed the world – and connected it – arguably more than any other device in recent history.
04 Jul 2017
How the mobile revolution changed jobs – and the world
Shane White | Content Manager, Institutional, ANZ
Workers share their experiences of operating in a world with computers in their pockets.
27 Jun 2017
LONGREAD: should you fear the internet of things?
Drew Turney | Freelance journalist
The internet of things world is becoming all-pervasive. Who's going to make sure it's secure?
15 Jun 2017
IN PICTURES: Banking, but retro
Jennifer Farmer | bluenotes production editor
Flashback to the 60s or 70s and bank marketing looks a bit different, bluenotes reflects back on some historic ANZ posters.
14 Jun 2017
Q&A: payments, charity & loose change
Shane White | Content Manager, Institutional, ANZ
Payment tech has changed the game for charitable giving. Shout’s Charlie Carpinteri and ANZ’s Bob Belan sit down to chat about the sector.
15 May 2017
How to capture the millennial market: go bush
Adele Fiene | Regional Executive, ANZ
For businesses in regional Australia, learning how to capture China’s expanding middle class is a ticket to success.
11 May 2017
The ten biggest Twitter themes of #Budget2017
Shane White | Content Manager, Institutional, ANZ
Here’s what set the world of social alight on the night of the budget.
10 May 2017
Beyond Good and Evil: AI and market forces
Andrew Cornell | Past Managing Editor, bluenotes
The artificial brain is growing but no matter how smart it becomes its power will depend on mere mortals and market forces.
08 May 2017
Six emerging trends from Silicon Valley
Denise Buckton | Senior Manager, Digital Tools at ANZ NZ
Fresh from San Fran, here are six key take-outs from a region known for incubating innovation.
19 Apr 2017
Eleanor Roosevelt, cats and professional excellence
Katie Bennett-Stenton | National Marketing Lead, Energy & Resources, Deloitte
Cats are said to have nine lives – but to ensure corporate survival and an upwards professional trajectory it can seem like you need more than nine to keep pace with change.
31 Mar 2017
The case for DevOps
Matt Nicol | bluenotes contributor
DevOps is a portmanteau changing the way a lot of organisations do business.
20 Mar 2017
On jobs, AI and moving cheese
Alex Kewley | Director, Client Insights & Solutions, ANZ
Dr Spencer Johnson's simple but seminal book Who Moved My Cheese? compares one mouse moping about someone moving their cheese, to another venturing out and finding more. It is a fantastic metaphor for how we should behave in the face of change and uncertainty. (Although I admit there are a few people who have had an allergic reaction to the cheese metaphor…)
16 Mar 2017
Thailand’s new economy: poised for take-off but is the runway ready?
Greg Earl | Writer, editor and consultant
The sign at the entrance to Thailand’s U-Tapao airport declares grandly (and perhaps even more hopefully): One Airport, Two Missions.
09 Mar 2017
Blockchain, transparency & trust
Tristan Chan | Author, Global-is-Asian
Touted as a revolutionary technology, blockchain is a shared, immutable ledger which can be used across various industries to record transaction histories, thus building trust through accountability and transparency.
03 Mar 2017
IWD2017: women in information security
Catherine Fox | Journalist and author
To celebrate International Women’s day, all week BlueNotes will be guest edited by experienced journalist and author Catherine Fox. We’ll be publishing content on women, their experience in the workplace and the future of equality as the world looks to #beboldforchange. We hope you enjoy it. #IWD2017
01 Mar 2017
Maile Carnegie named ANZ head of digital
Andrew Cornell | Past 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.
17 Feb 2017
The only place you need to be in China is online
Tim Harcourt | Author, The Airport Economist
Opportunities from the growing Chinese middle class continue to emerge for companies around the world and there’s no bigger opportunity than the online market.
14 Feb 2017
RegTech joins the C-Suite
Andrew Cornell | Past Managing Editor, bluenotes
A new ‘C’ has been added to the suite in banking: the Chief Security Information Officer. BlueNotes has a video interview this week with ANZ’s new CISO, Lynwen Connick, who comes from an eminent career in the Australian public service.
14 Feb 2017
The best weapons in the war on fraud
Ellen Joyner Roberson | CFE, Global Marketing Principal, SAS Security Intelligence Practice
Financial services firms and government agencies have done well to invest in meeting growing consumer expectations for timeliness and convenience.
13 Feb 2017
VIDEO: ANZ names Lynwen Connick as cybersec chief
Andrew Cornell | Past Managing Editor, bluenotes
Banks are obliged to do everything in their power to protect customers and their information, according to ANZ’s incoming chief information security officer, but need to do so without preventing access to popular services online.
07 Feb 2017
Five fintech trends for 2017
Derek Corcoran | Chief Experience Officer, Avoka
In 2017 the banking industry will inevitably continue on the path of digital transformation it has been – and accelerated – on over the past few years.
06 Feb 2017
Bitcoin to live on like the Pterodactyl
Andrew Cornell | Past Managing Editor, bluenotes
The reports of the death of Bitcoin may be exaggerations but they're out there.
02 Feb 2017
LONGREAD: how the virtual workplace will actually work
Ben Thompson | CEO, Employment Hero
I apologise if this sounds like something out of a science-fiction movie but in a few years time your office receptionist is almost certainly going to be a robot.
24 Jan 2017
Identity fraud is easier than ever – but so is prevention
Shane White | Content Manager, Institutional, ANZ
On a seemingly normal Tuesday, George (not his real name) attempted to access his internet banking when he came across a message saying his account had been locked for security reasons and encouraging him to contact his bank immediately.
24 Jan 2017
Is automation really kicking goals?
Mark Lawson | Retired senior journalist
Anyone fearful of robots taking over from humans to the point of causing mass unemployment should watch a game of Robosoccer.
10 Jan 2017
Open data – competition cuts both ways
Darren Abbruzzese | Former General Manager Data, ANZ
“Silicon Valley is coming”. That’s what JP Morgan CEO Jamie Dimon wrote to shareholders in 2015. Dimon had been to the Valley and seen money pouring in to innovative start-ups, targeting the lending and payments space. Many other bankers have been since and come away with similar views.
23 Dec 2016
LONGREAD: When nature did it first: the art and science of biomimicry
Drew Turney | Freelance journalist
“Those who are inspired by a model other than Nature, a mistress above all masters, are laboring in vain.”
08 Dec 2016
How to work out working out loud (and avoid shouting)
Andrew Cornell | Past Managing Editor, bluenotes
Traditionally conservative workplaces are slowly shifting to a new way of working as research shows knowledge-sharing initiatives like employee social networks can lift productivity by as much as 25 per cent.
06 Dec 2016
VIDEO: the state of innovation in Australia
Shane White | Content Manager, Institutional, ANZ
Australians have always had a thirst for cutting-edge technology and could be at the forefront of a push to consolidate mobile devices, de-cluttering the growing device clutter of workday life.
30 Nov 2016
Is the broker of the future a machine?
Cosi De Angelis | GM Transaction Banking & Asset Finance Solutions, ANZ
Looking back over the last two decades of Australian banking, one of the most profound disruptions was the entrance of mortgage originators and brokers to the residential mortgage market.
25 Nov 2016
LONGREAD: Why would you invest in fintech?
Grant Halverson | Former CEO, McLean Roche Consulting
It’s now nine years since ‘fintech’, the buzz term for financial technology start-ups, entered the lexicon and threatened to upend banking as we know it. It hasn’t yet. But will it?
26 Oct 2016
Data and the information pay-off
Andrew Cornell | Past Managing Editor, bluenotes
“Information wants to be free”, one of the most enduring internet memes, is often attributed to Steven Levy in his 1984 book Hackers.
14 Oct 2016
Demystifying cloud computing
Drew Turney | Freelance journalist
If you've ever used Gmail, Facebook or Dropbox, congratulations: you're a cloud computing user.
12 Oct 2016
Robocops on the regulatory beat
Andrew Cornell | Past Managing Editor, bluenotes
In Australia last week, the banking industry was focussed on a parliamentary inquiry into the industry’s culture and response to a range of issues from customer complaints to pricing to market behaviour.
12 Oct 2016
Cybersecurity: don’t learn the hard way
Tamsyn Harris | Head of Fraud Risk Strategy, ANZ
Often we are told, to understand something we need to experience it for ourselves. This applies to most things in life, including business but I would argue it certainly does not apply to cybercrime and fraud. In these scenarios it is much better to learn from the experiences of others.
11 Oct 2016
I don't care about big data
Nick Reed | Group General Manager Risk Transformation, ANZ
I don't care about big data.
03 Oct 2016
The secret to successful long-distance leadership
Daniel King | General Manager Human Resources, ANZ
When my job required me to move from Melbourne to Singapore, the biggest shock wasn’t the new role, new city or new culture (although there certainly was all of that) but the realisation I would have to fundamentally change the way I used to lead.
29 Sep 2016
What the new digital playing field looks like
Darren Abbruzzese | Former General Manager Data, ANZ
Our lives are going digital. To successfully compete and grow today business models must fundamentally evolve - as quickly as underlying technologies.
22 Sep 2016
The rise and rise of Alibaba’s shopping app Taobao
Peter Cai | International Banking Service Manager, ANZ
ANZ’s Chinatown branch in Sydney’s George St is one of its busiest with a very high proportion of Chinese and Chinese-speaking customers. They love Alibaba’s e-commerce app Taobao and branch manager Peter Cai spent time speaking with customers – and staff – about just why Taobao has become the world’s most popular mobile shopping site.
16 Sep 2016
Pokémon Go is still going - but what have we learned?
Joo Kim Bullock | BlueNotes contributing editor
It’s hard to believe the craze has lasted this long, but not only is Pokémon Go still going, new updates continue to roll out for its as-rabid-as-ever fanbase.
12 Sep 2016
CASE STUDY: Tales from the ESN trenches
Sue-Ellen Atherton | BlueNotes contributing editor
Major Barry Byrne knows better than most the value of corporate knowledge sharing. If put in the right hands at the right time, information can dramatically impact the efficiencies of a business and lead to more effective outcomes.
09 Sep 2016
LONGREAD: how the world is being digitised
Drew Turney | Freelance journalist
Let’s say you're interested in an investment property. But it's in another city and you can't be there to view the floorplan. Instead, you visit a website and do a virtual walkthrough – in 3D, not just on a computer screen - where it's fully furnished, contains realistic lighting and final surface colours – before it's even built.
30 Aug 2016
What do business and gardening have in common?
Scott Collary | Former Chief Information Officer, ANZ
If I showed you two seeds and asked you which one is a plant and which one is a weed the only way you would be able to tell is to plant them and see what blooms. It’s the same with ideas – some aren’t as great as you think. Some crazy ones work brilliantly.
25 Aug 2016
Eight ways to protect your business from the cybercrime wave
Craig Bromley | Head of Digital Design & Readiness, Wholesale Digital Transformation
Not a day passes now without us being reminded digital technology can be both friend and foe. Cloud computing, centralisation of IT resources and greater connectivity are just some of the developments increasing convenience for businesses. Sadly with these developments come risk, and cybercrime is the dark side of doing business in the digital age.
23 Aug 2016
Should you hire robots?
Sarah Dunn | Head of Group Services - Australia, ANZ
With an increasing focus on automation through robotics, digitisation and even artificial intelligence, humanity is in the midst of a new industrial revolution.
17 Aug 2016
Automation and the industries with the most to lose
Matthew Egan | Writer, Tech Exec
Business process automation, cognitive computing, artificial intelligence and robots are all terms used in varying degrees to outline the role technology which thinks like a human might one day play in our society.
11 Aug 2016
Eminence in a digital world
Andrew Grill | Global Managing Partner, IBM Social Consulting
Many companies employ people who are truly eminent and respected in their field - but nobody else knows about them. A formal eminence program can help identify and amplify these people for mutual benefit.
08 Aug 2016
Smart contracts need smarter lawyers
Simun Soljo & David Rountree | Managing Associate & Senior Associate, Allens
Blockchain and distributed-ledger technology are the subject of a lot of hype and discussion. Businesses across many industries have started considering the benefits this technology could offer.
18 Jul 2016
How I learned to stop worrying and love digital at MIT
Craig Sims | Group General Manager Operations & Services, ANZ
In May, a group of ANZ executives selected for their influence on the bank’s digital future travelled to the US to participate in a program jointly created with the Massachusetts Institute of Technology (MIT).
14 Jul 2016
Mobile payments: hype or happening?
George Lawson | Head of Emerging Products and Innovation ANZ & SP, Visa
Do people really want to pay with their phones? It’s an interesting time to revisit this question because Android Pay has just launched in Australia.
06 Jul 2016
Simplification is complicated
Guy Thompson | BlueNotes contributing editor
Few people have ever seen the Instagram logo outside the virtual realm. It exists as a digital touch point on a smartphone; an enjoyable, familiar place to visit for millions of people.
27 Jun 2016
VR in the office? It could be a (virtual) reality
Victoria Kanevsky | Contributing editor, BlueNotes
The applications for virtual reality in a corporate context are broad and not always obvious, according to ANZ Group General Manager Enterprise Services Delivery David Cecil but will have a more immediate impact on staff and the customer experience.
21 Jun 2016
Will there be a war to end cyber warfare?
Andrew Cornell | Past Managing Editor, bluenotes
If ever the famous aphorism, dating back a century or more, about generals always fighting the last war rings true, it is in the war against cybercrime.
20 Jun 2016
Big data helps us see more when it comes to cyber security
Scott Collary | Former Chief Information Officer, ANZ
Trust is the foundation for success in the financial services industry. Not only do our customers trust banks with their money – they trust us with their information.
15 Jun 2016
Fintech investment surges in Q1 but does that mean the Kodak moment nears for banks?
Andrew Cornell | Past Managing Editor, bluenotes
There was a resurgence of activity in the financial technology (fintech) universe in the first quarter of the year after signs of potential rapid deflation at the end of 2015.
20 May 2016
When technology meets vanity: the burgeoning wearables market
Wee Teck Loo | Author, Euromonitor International
Sales of wearable electronics are projected to exceed 300 million units in 2020. Since Apple launched its Apple Watch in 2015, the wearable electronics market has become one of the hottest in electronics. Fashion groups are jostling for untapped sources of growth.
17 May 2016
BlueNotes Debate: do regulators stymie or stimulate innovation and start-ups?
Louise Halliwell | Director Public Policy & Regulatory Affairs, PWC
Australia’s budding innovation culture has developed in the face of a tightening regulatory environment. Can the two coexist?
16 May 2016
Special delivery: China’s logistics boom
Greg Au-Yeung | Head of Technology China, ANZ
Similar to many of my peers – if I haven’t been dragged to the shopping malls - I buy almost everything online. Thanks to China’s rapid development in the internet age, this is now really a breeze.
13 May 2016
How NPP will change the way we do business
Richard Haigh | Former Head of Australia Payments and Cash Management Products, ANZ
Imagine being able to make real-time data rich payments easily and quickly, any time, any place. This is the future with NPP in Australia.
13 May 2016
LONGREAD: the gathering quantum storm
Todd Tobias | Former Director Business Projects Global Markets, ANZ
In a dark room somewhere in North America, just a shade above zero degrees kelvin (about the same temperature as interstellar space) lies the embryonic form of a disruptor of epic proportions; a device which may be recorded in history as the first commercial leap into the world of quantum computing: the D-Wave One.
12 May 2016
Bringing digital banking into the branch
Andrew Cornell | Past Managing Editor, bluenotes
ANZ’s new ‘centre of the future’ in Sydney is part of a shift in the banking sector to bring digital into the branch for both staff and customers, ANZ Group Executive Australia Fred Ohlsson says.
06 May 2016
LONGREAD: Everything you’ll ever need to know about blockchain – and more
Christian Venter | GM Digital Technology, ANZ
There is a great quote from the start of the movie The Big Short by Ryan Gosling’s character Jarred Vennett. He says when the economy collapsed during the financial crisis, “none of the experts or leaders or talking heads had a clue it was coming. I’m guessing most of you still don’t really know what happened”.
02 May 2016
The fintech revolution is here and fintechs are being squeezed
Andrew Cornell | Past Managing Editor, bluenotes
ANZ’s announcement of a long-awaited joint venture with Apple to offer Apple Pay, and one for Android Pay looming, brings the relationship between established banks and financial technology companies – fintechs – to the fore.
26 Apr 2016
Why policy needs to adapt to the sharing economy
Dr Jim Minifie | Productivity Growth Program Director, Grattan Institute
The rise of the sharing economy can save Australians more than $A500 million on taxi bills, help them to put underused property and other assets to work, and increase employment and income for people on the fringe of the job market.
18 Apr 2016
Five trends critical for digital success – and they all involve people
Jane Livesey | Former Managing Director ANZ, Accenture Technology
New technology brings new fears. Will it take jobs from people like me? Can I still provide value in a world driven by machines? Does my company still need people like me?
13 Apr 2016
Why the customer interface is the future of banking
Peter Dalton | Managing Director Design & Development, ANZx
If you think about your money, there are only so many things you can do, generally speaking – be it earn it, save or spend it, manage it better, borrow it, invest it for the future or, if you’re lucky enough, even give it away.
12 Apr 2016
Celebrating two years of disruption
Paul G Edwards | Publisher, BlueNotes
This week is BlueNotes’ second birthday. Pretty good for what could loosely be called a financial services start-up.
12 Apr 2016
Corporate journalism or just journalism?
Francesca Rizzo | BlueNotes contributing editor
Where do corporate newsrooms like BlueNotes fit into the journalism universe?
11 Apr 2016
The future of brand value: where finance and marketing meet
Louise Eyres & Mark Crowe | Group General Manager Marketing, ANZ & Managing Director, Brand Finance Australia
Branding has never been more important than in today’s digital age, differentiating when the market is awash with online and real world noise. As the way consumers interact with brands changes, how can the industry stay ahead of the game?
29 Mar 2016
Algorithms and the digital you don't see
Todd Tobias | Former Director Business Projects Global Markets, ANZ
When we think 'digital', we often think of beautiful apps and websites containing cutting-edge functionality, delivered via simple user interfaces striving to create a flawless experience and, in doing so, encouraging customers to engage.
22 Mar 2016
The most powerful word in business
Matt Boss | Former Managing Director Products and Marketing, ANZ
Network Ten executive general manager and advertising guru Russel Howcroft has an important message for business leaders: don't say 'no'.
21 Mar 2016
The digital future of food
Mara Bun | Company director, consultant & moderator, Tallebudgera Valley
Remember the days when newspapers and TV decided what was news and consumers responded accordingly? Just as the news value chain splintered into a world where people create and share media, the food industry also confronts a changing landscape.
18 Mar 2016
Insurance must adapt to a new kind of customer
Alexis George | Deputy Chief Executive Officer & Group Executive Wealth Australia, ANZ
Over the past few decades technology has changed our lives at an unprecedented rate. For the wealth industry, the convergence of technological and social innovation is pushing us to think and act differently, finding new ways to help people secure their future wellbeing.
15 Mar 2016
Banks need to integrate with Bitcoin, now
Max Tannahill | Business Change and Implementation Manager, ANZ
It has been hailed as the internet of money, criticised for fuelling an illicit trade in drugs and weapons, allegedly aided terrorism, been touted as a libertarian dream and as a way of flouting capital controls (although actual use cases in China, Greece and Cyprus are hardly conclusive).
15 Mar 2016
Fast broadband finally accelerating in NZ
Tim Murphy | Journalist and Former Editor, New Zealand Herald
So quickly is the rollout and uptake of Ultra-Fast Broadband (UFB) occurring across parts of New Zealand, the government almost can't keep up with its press releases.
08 Mar 2016
Want to be a bank boss?
Andrew Cornell | Past Managing Editor, bluenotes
One of the interesting discussions sparked by Maile Carnegie's decision to leave Google to join this bank, ANZ, was around whether banks might soon be better run by technologists.
25 Feb 2016
The science of success in the new world of marketing
Carolyn Bendall & Kimberlee Wells | Head of Marketing Australia, ANZ & Whybin\TBWA
In mid-2015 BlueNotes ran a piece from ANZ head of marketing for Australia Carolyn Bendall on the four pillars of the new world of marketing. While popular, some felt the story suggested there was no longer room for creativity in marketing.
23 Feb 2016
Agtech, restech, regtech, fintech – actual solutions or techno-babble?
Andrew Cornell | Past Managing Editor, bluenotes
You have to move fast in modern technology: fintech is already passe. Apart from being a bubble (at least in the view of many analysts), tech savvy soothsayers and the occasional carpet bagger have already moved on to the next wave of digitally disruptive platforms, be they in agtech (agricultural technology), mining tech (smart technology for the resources industry) or regulatory technology.
12 Feb 2016
Banks lead the way on consumer digital
Tom Kennedy | Former Digital Partner, EY
The disruptor may agitate about banks being dinosaurs but new consumer research reveals banking and finance actually leads the way when it comes to consumer digital activity.
22 Jan 2016
APAC geeks dominate fintech uptake: study
Shane White | Content Manager, Institutional, ANZ
Digital-savvy consumers in the Asia-Pacific region are more likely to adopt new financial technologies than their peers around the world but the same consumers in Australia are lagging below their Asian neighbours, a new study has found.
20 Jan 2016
Putting digital strategy to work
Maxim Sharshun | Former Engagement Manager, PwC Strategy
When it comes to an effective digital transformation all the planning in the world cannot help an organisation which fails to effectively put it into action. Planning is vital but execution is equally important.
13 Jan 2016
Be not afraid, believe in ESNs
Rita Zonius | Former Head of Internal Digital Communications, ANZ
Change can be a scary thing. In an increasingly social business world the arrival of enterprise social networks (ESNs) in workplaces has been met with a mixture of enthusiasm and anxiety. The truth is you have nothing to fear – while it will change the way everyone works, it is only for the better.
24 Dec 2015
Women: the heartbeat of developing economies
Carolyn Ive | BlueNotes contributing editor
In the developed world women are struggling to be equally represented in the economy across senior executive roles, retirement savings or political influence. But in some parts of the developing world, the story is different.
22 Dec 2015
Three ways to successfully drive digital
Sanjoy Sen | Managing Director for Retail Banking Asia Pacific
Digital is probably the most-talked about topic in corporate boardroom, but the process of translating this into practical actions and operations is still an enigma for many companies.
16 Dec 2015
The business of cybercrime against business
Adele Tan | BlueNotes contributing editor
The trend to Digital financial services is undeniable but there's the dark side of dependency on systems exposed to risks and vulnerabilities. The hyper-connected nature of digital makes it easy for cybercriminals to fraudulently access information and systems.
03 Dec 2015
Agile demands a leadership boot camp
Claire Rogers | Former Head of Digital Strategy & Business Performance, ANZ
The digital 'in crowd' speaks a language of its own so when they talk of 'agile' it's not just about getting out of the beanbags in their idea garages. Agile is a way to structure and manage projects and to its proponents – I'm one of them – it promises more successful results. Faster.
26 Nov 2015
AI agents: the next step in cybersecurity
Drew Turney | Freelance journalist
As cybercriminals improve their methods, so too does the cybersecurity industry – the arms race between the two isn't news. But here's what is – one of the earliest and most developed examples of artificial intelligence we have in the world might finally give protection from cyberthreats the edge we've been waiting for.
16 Nov 2015
Are banks making the most of their data?
Scott Collary & Craig Sims | Former Chief Information Officer & Group General Manager Operations & Services, ANZ
Data driven-thinking is a vital part of business in the modern era, but for all the chat about the value of analytics is anyone actually walking the walk?
11 Nov 2015
The other strategy every IT leader needs
Andrew Arcuri & Richard Helm |
Cost and time overruns are commonplace for IT projects but in a major business transformation, they can be fatal. Research shows when technology-enabled transformations fail, they fail hard.
27 Oct 2015
Embrace digital, lift profits
Phoebe O'Sullivan | BlueNotes contributing editor
Companies that successfully transform themselves into digital operations are over 25 per cent more profitable than those those that don't, according to analyst and author Didier Bonnet.
23 Oct 2015
The fintech future is here
Toby Heap & Ian Pollari | Co-founder of H2 Ventures & Global co-chair of KPMG's Fintech practice
Viewing the below chart of web searches, you could be forgiven for thinking that fintech has only really emerged in the past year. But the financial services sector has been innovating with technology for centuries – so why has it got so big recently?
19 Oct 2015
There is no stopping progress (unless you have a lot of cabs)
Alex Kewley | Director, Client Insights & Solutions, ANZ
Seeing the black cab drivers lined up in London to protest against Uber earlier this year got me thinking: there is no stopping progress (although in the short term you can obviously cause traffic jams).
16 Oct 2015
The digital way to give
Jane Martino | CEO, Shout for Good
Nothing is immune to the digital revolution and the way we donate is undergoing a substantial change. In the latest in BlueNotes' series on the passion and science of giving, Shout for Good CEO Jane Martino writes about philanthropy and the digital revolution.
15 Oct 2015
Cyberattacks: think 'when', not 'if'
Steve Glynn | Former Global Head of Information Security, ANZ
Against a background of accelerating technological change and disruptive business models, cyber security has become a key operational risk facing organisations of all sizes – especially those in financial services.
13 Oct 2015
Three things companies need to succeed in the digital era
Shayne Elliott | Chief Executive Officer, ANZ
A visit to Silicon Valley is both terrifying and exciting.
12 Oct 2015
Digital model choice – what do we want to be known for?
Maxim Sharshun & Stephen Reilly | Former Engagement Manager & Director, PwC Strategy
Growing up in the digital age can be tough. Kids have information coming at them from all sides as they come in to a world that doesn't seem to have an 'off' switch. As a parent, some of the best advice you can give a child about how to cope with the limitless stream of role models, popular trends and technologies is simply 'be yourself'.
07 Oct 2015
Is cyber fear hurting cross-border investment?
Cheng Lim & Michael Swinson | Partners at King & Wood Mallesons
Cyber security is looming as one of the great challenges of the 21st century. Several governments around the world are responding by strengthening online security laws which in some cases are creating a degree of regulatory uncertainty - but, critically, running the risk of deterring cross-border investment.
28 Sep 2015
Press x to win: sport's digital battlefield
Charles Happell | Managing Director, Happell Media
The AFL Commission tried hard to dissuade the Melbourne Cricket Club from staging three big-time soccer internationals at the MCG in July. Now we can see why.
22 Sep 2015
Will new technologies change banks or will banks change new technologies?
Andrew Cornell | Past Managing Editor, bluenotes
Financial services companies around the world are signing up for consortia and joint ventures to keep pace with the accelerating digital disruption at a rate not seen… well not seen for a decade or so. Unsurprisingly, most of the latest partnerships orbit around financial technology, “fintech".
21 Sep 2015
Those who embrace disruption succeed
Christine Wakefield | Vice President of Global Corporate Payments ANZ, American Express
Disruption is a phrase increasingly bandied around in business circles but what's the real impact of disruption to Australian business and how do they respond in the face of it? Well, the results are in: those who accept disruption are statistically more successful. And those who turn away are just treading water.
09 Sep 2015
Beep. Are you being served? Bzzzz
Elizabeth Masamune | Managing Director of @Asia Associates Japan
Minami started work at Takashimaya department store in Osaka, Japan in October 2013. Since then she has dealt with over 1,000 customers, honing her sales skills. On her third stint at the store in May this year she was reassigned to the men's shirt department, with a sales target of ¥500,000.
04 Sep 2015
Banks still haven't nailed digitisation
Shane White | Content Manager, Institutional, ANZ
Banks around the world still haven't completely nailed digitisation, ANZ Australia CEO Mark Whelan says, opening the opportunity for financial services players that can get it right.
04 Sep 2015
Hackathons: not a gimmick but a genuine collaboration tool
Patrick Maes | Former General Manager Strategy & Planning, ANZ
I am passionate about developing the next generation of technologists and strategic thinkers and retaining talent, rather than seeing these people forced to explore Silicon Valley and other overseas locations because the opportunities are not being created locally.
03 Sep 2015
Where your company's competition really is
Shane White | Content Manager, Institutional, ANZ
The modern use of data has irrevocably changed the nature of business competition, IBM Analytics executive Inhi Cho Suh says, leaving companies in the same sector no longer pitched directly against each other.
02 Sep 2015
Why we will happily pay for news
Jason Murphy | Publisher, Thomas the Think Engine
Some news websites have always charged for access, like the Wall Street Journal.
28 Aug 2015
Digital transformation in four (not so) easy steps: Part One
Maxim Sharshun & Stephen Reilly | Former Engagement Manager & Director, PwC Strategy
It's true. This internet thing looks like it really might catch on. It's a revolution, these meme-things tell me. Infographics cry about skyrocketing take-up rates and omni-channel proliferation. Our competitors have Chief Digital Officers, Disruptive Innovation Evangelists and UX/CX Champions.
24 Aug 2015
Six things Europe's best banks do
Shayne Elliott | Chief Executive Officer, ANZ
As chief financial officer at ANZ I'm always on the lookout for what others in the industry are doing well to see what I can learn and apply at our company.
20 Aug 2015
Profitable organisations have a purpose
Matt Boss | Former Managing Director Products and Marketing, ANZ
Almost every successful company has a firm understanding of strategy and values. But how many have a clear, simple and stated organisational purpose?
17 Aug 2015
How to get digital in your company's DNA
Andrew Grill | Global Managing Partner, IBM Social Consulting
Ask yourself this question - is digital in your company's DNA? If the answer is 'no' or even 'not really' then this story is for you.
10 Aug 2015
Valley Speak: is what the technology world says worth listening to?
Andrew Cornell | Past Managing Editor, bluenotes
BlueNotes would not exist were it not for the ANZ board trip to Silicon Valley two years ago. It was then the board, and ANZ chief executive Mike Smith in particular, saw how powerful the shift to a digital and social world truly was.
07 Aug 2015
Aus banks leading the pack on customer experience
Phoebe O'Sullivan | BlueNotes contributing editor
Australia's banks are leading the Asia Pacific with their focus on customer experience, futurist Chris Riddell says, a vital advantage in an era where bank-customer relationships are as fragile as ever.
06 Aug 2015
Love and other catastrophes
Tareq Muhmood | CEO Korea & Managing Director Global Subsidiaries, ANZ
Following a recent ANZ telco and technology event on connectivity, the internet of things and cybercrime I attended, I had to pause and think about what it all meant. I thought about it for a couple of days and in the end I came away with three key learnings.
05 Aug 2015
The life and death of a disruptive idea
Daniel Norton | Former Manager Pricing Data & Analytics, ANZ
A hackathon is an event where software programmers, developers and designers come together for days on end to brainstorm, create and collaborate. It's a place where ideas are born - and like all ideas some die quietly, some burn bright but quickly flare out and others take on a life of their own.
27 Jul 2015
The unforeseen consequences of technology
Steve Glynn, Guy Boyd & Damian McMeekin | Former Chief Information Officer & Group General Manager Operations & Services, ANZ
It was only a few short years ago smartphones started appearing in people's hands in significant numbers and yet almost immediately the way we communicate has transformed. This has brought both astounding benefits and increased risks.
21 Jul 2015
Does the internet make business sense?
Greg Adamson | Principal Fellow, University of Melbourne and President, IEEE Society on Social Implications of Technology
On August 14 it will be 20 years since the float of Netscape. For those of you of a younger vintage, Netscape was a browser once the dominant portal for access to the internet.
20 Jul 2015
The fintech goldrush is here
Patrick Maes | Former General Manager Strategy & Planning, ANZ
A lot has been said about the relationship between banks and fintech start-ups. Many have implied an adversarial relationship or spoken of banks needing to take an acquisitive approach (via corporate ventures).
02 Jul 2015
Humans are the weakest link in the digital war
Guy Boyd | Head of Financial Crime, ANZ
There is no doubt digital is the future and customers want the convenience and speed it provides – not just in banking but many services. But the convenience and revolution of digital comes with the risk of cybercrime. This will be a digital war and humans remain the weakest link – meaning training and education are critical.
02 Jul 2015
Don't believe the truth about disruption
Ben Dunn | Former Executive Director Divisional Strategy, ANZ
'Silicon Valley is coming' says JP Morgan.
01 Jul 2015
Can machines control company culture?
Mark Evans | Managing Director Transaction Banking, ANZ
We're all fascinated by how radically technology may change our lives in the future. From the smartphone to driverless cars to 3D printing we're constantly rethinking how gadgets might make daily life easier.
29 Jun 2015
It's time to move beyond innovation to normal
Fred Ohlsson | Group Executive, ANZ Australia
Innovation is not just about technology but about what people want, need and how they choose to interact and do business. That's particularly relevant for so-called 'mobile wallets', an idea that's been around a while but is now breaking through.
23 Jun 2015
Letterman, Cara Delevingne and the lure of corporate journalism
Andrew Cornell | Past Managing Editor, bluenotes
At his peak in the mid 90s, David Letterman, the American talk show host, had around eight million viewers for his nightly variety act. Eight million people tuning in at the same time, households together around a TV screen.
17 Jun 2015
The four pillars of the new world of marketing
Carolyn Bendall | Head of Marketing Australia, ANZ
There's been a longstanding debate about whether marketing is primarily an art or a science. To a large degree it's always been a mix of both.
15 Jun 2015
China's social revolution
Stefan Herrick | Senior Manager External Communications New Zealand, ANZ
In five years social media and e-commerce have exploded as the channels by which hundreds of millions of China's newly connected citizens seek out and buy products.
09 Jun 2015
Devoured or demonised by the D generation
Phoebe O'Sullivan | BlueNotes contributing editor
The new generation of connected consumers will make or break companies over how they meet their expectations, making modern customer relations more vital than ever.
03 Jun 2015
Valuing quality journalism in corporate publishing
Paul Edwards | Manager Operations Strategy, ANZ
Two events in the past week have had me thinking about journalism and the new world of social, digital and mobile. The traditional homes of journalism are being eroded while new opportunities in corporate publishing and the collaborative economy are yet to establish sustainable funding models for quality journalism.
03 Jun 2015
Bring on the disruptors
Shayne Elliott & Mark Whelan | Chief Executive Officer & Group Executive Institutional, ANZ
Disruption is underway in the financial services industry and many are asking if banks can survive the influx of new technology and innovative competitors. Banks are convinced they can, but how?
02 Jun 2015
Metropolis Now
Andrew Cornell | Past Managing Editor, bluenotes
The 21st century may be the Asian Century or it may yet be the century the emerging world joins the developed world. But however this century plays out, it will be an Age of the City.
27 May 2015
A future beyond smiles - thoughts on the future of retail banking
David Hisco | Former CEO New Zealand, ANZ
I was sitting at the airport last week and couldn’t help but notice a woman around my vintage sitting opposite with a slightly furrowed brow. She was urgently paying a bill on her mobile phone.
18 May 2015
Sliding doors: department stores shut out of online
James Stewart | Partner and retail practice leader, Ferrier Hodgson
In an age of digital disruption and with the expansion of large global retail chains, traditional department stores – perhaps counter-intuitively – can attract more physical customers when they're better at luring virtual ones.
18 May 2015
What price cyber risk?
Andrew Cornell | Past Managing Editor, bluenotes
In the financial crisis there was actually little correlation between financial institutions which ticked all the boxes on regulatory compliance, across any number of measures, and those that failed or flourished.
12 May 2015
From the Publisher’s desk (or mobile)…
Paul Edwards | Manager Operations Strategy, ANZ
A year ago, ANZ’s digital forum for insight, analysis, opinion and news was just an idea.
24 Apr 2015
Adspend turns social in record quarter for Australia
Shane White | Content Manager, Institutional, ANZ
The upheaval in the media landscape has powered tidal growth in search and social media advertising spend which is showing no sign of abating. TV spending, meanwhile, remains strong in the face of new rivals like content streaming service Netflix.
23 Apr 2015
Social customers will transform banking
Amanda Gome | Former head of digital and social media, ANZ
Across the financial services industry there is still scepticism around the value of social media. “Isn't it personal?" some ask. “What's the value to a bank of embracing social media? And are our customers really even on it?"
22 Apr 2015
Banking’s digital future is all about the customer
Scott Collary | Former Chief Information Officer, ANZ
Everyone loves the latest and greatest gizmo. With new tech popping up every day it's easy to get excited about the implications of the next big thing. Even in banking. The next Apple Pay is going to change payments forever and that's all going to happen on the next Apple Watch, right? Well, only if customers really want it.
08 Apr 2015
BlueNotes awarded for excellence
Shane White | Content Manager, Institutional, ANZ
ANZ's BlueNotes has received a major international accolade, the Excellence Award for Multi-audience Communication from the International Association for Business Communicators. BlueNotes celebrates its first birthday this month and this is the publication's second major award.
31 Mar 2015
Fintech and crowd funding, inflating the next bubble?
Andrew Cornell | Past Managing Editor, bluenotes
Disruption, particularly in financial services, is one of the hottest investment themes going.
25 Mar 2015
Good leaders need to know when to change
Phoebe O'Sullivan | BlueNotes contributing editor
Leaders must embrace change and take advantage of the new technologies shifting their relationships with their customers, according to industry veteran and Microsoft chairman John Thompson.
20 Mar 2015
Big data – from customer targeting to customer centric
Patrick Maes | Former General Manager Strategy & Planning, ANZ
“Would you like fries with that?" We've all heard that phrase pioneered by a certain fast food chain. It's called suggestive selling and has been hugely successful in increasing sales and revenue for the organisation.
12 Mar 2015
How incumbents can survive digital disruption
Claire Rogers | Former Head of Digital Strategy & Business Performance, ANZ
The digital revolution has completely shifted power in the marketplace from producer to the consumers in just 15 short years and as in all revolutions there have been winners and losers.
04 Mar 2015
What could Silicon Harbour do for fintech in Australia?
Jayne Opperman | Former General Manager Technology, ANZ
If you’ve seen The Imitation Game or know about the calculation machine (computer) used by the British during World War II to break enemy codes, you may wonder how Silicon Valley in the US is the centre for innovation and the computing industry, rather than Bletchley Park in the UK.
27 Feb 2015
Virtual leadership requires real leadership
Tareq Muhmood | CEO Korea & Managing Director Global Subsidiaries, ANZ
I recently enjoyed a coffee with a treasurer of a major US firm in Dubai. She is a leader I admire (and in fact I'm trying to encourage her to write the next version of 'lean-in' or 'pull out' :) ).
We became involved in discussing how we both lead virtual teams located around the world and what we have learned.
03 Feb 2015
Five non-negotiables of social business
Pam Rebecca | Former General Manager of Digital ANZ
The digital age has many attributes - technology, innovation, mobile, cloud and data, but the superpower of the time is unquestionably social media. Here are five ways that social media is disrupting all that you thought you knew about leading a business.
30 Jan 2015
It is always your turn in digital
Claire Rogers | Former Head of Digital Strategy & Business Performance, ANZ
As a senior female leader in the digital world it’s difficult to avoid thinking about gender politics, even when you don’t want to. We like to believe the world has changed for women and it has most definitely. I could tell you some stories from early in my career that would probably draw a gasp. This would be cathartic for me but not entirely relevant!
07 Jan 2015
China’s online and shopping up a storm
BlueNotes reporter |
China’s emerging affluent youth are online – everywhere and all of the time – there is huge potential for online businesses to take advantage of this growing segment. ChinaSkinny lays out the landscape.
23 Dec 2014
A year – almost – in BlueNotes
Andrew Cornell | Past Managing Editor, bluenotes
Twelve months ago, when I’d been at ANZ a couple of weeks, BlueNotes publisher Paul Edwards had a couple of central ideas about the yet-to-be-named online publication I’d been hired to edit.
24 Nov 2014
How Thankyou built a new model of social impact investing to change the business world
Daniel Flynn | Co-Founder and Managing Director, Thankyou Group
Social media is changing the world and one Australian start-up has shown just how successful a business can become by approaching it with an effective, if unconventional, strategy.
17 Nov 2014
How a digital Disney reveals banking’s Tomorrowland
Matt Boss | Former Managing Director Products and Marketing, ANZ
Disneyland and banks don’t have a lot in common. One is generally considered the happiest place on earth and the other is full of rides and costumed entertainers. But a new development at Disney is bringing the ambitions of both groups closer together.
11 Nov 2014
Asia and digital – the twin revolutions
Pam Rebecca | Former General Manager of Digital ANZ
What is digital? Is it data, platforms, an app? A website? Social? Content? The list goes on. And that's just beginning with the customer side of digital. There's a whole other list of questions when it comes to what is often called digitisation - transforming the underlying processes that support your business.
21 Oct 2014
An Apple on Pay won’t keep the banks away
Andrew Cornell | Past Managing Editor, bluenotes
The abolition of signatures as a means to verify credit card payments has prompted some alarming media coverage, such as the story noting a restaurant owner had to send customers around the corner to an ATM to get cash to pay their bill.
20 Oct 2014
The next evolution in mobile payments
George Lawson | Head of Emerging Products and Innovation ANZ & SP, Visa
If my wife had said to me 10 years ago I would wake up at 3am to watch the launch of a new mobile phone on the other side of the world, I would have told her she was crazy and gone back to watching reruns of Seinfeld.
13 Oct 2014
Six things you need to know about leading digital change
Pam Rebecca | Former General Manager of Digital ANZ
As someone who has been interested in computing and technology since I was a teenager (in the days when a teenager interested in technology was so not cool), I cannot imagine living in a more exciting time as the world makes a tectonic shift towards digital.
06 Oct 2014
Why understanding Chinese social media is important
Casey Hall | Former Asian editor, WSJ, NT, CNN
China has 625 million active social media users and approximately zero per cent of them are using platforms dominant in the Western world, such as Facebook, Twitter and Whatsapp.
25 Sep 2014
Three things leaders need to know about big data
Colum Rice | Partner, PwC
The use of data and analytics is driving real change in the way companies operate and how critical business decisions are made by their leaders.
22 Sep 2014
Death to the ATM – is it a matter of time?
Mike Ebstein | Director, MWE Consulting
A few of us can still recall our first tentative use of an ATM – an 'automated teller machine' - 35 years ago. The concept of accessing cash from your bank account via an unattended machine was then an alien concept that many people found somewhat confronting. Presenting a passbook at a bank branch counter to withdraw funds was how you got cash. And as with many technology led changes, there was suspicion of this newfangled device.
17 Sep 2014
How mobile payment systems dodge the hackers
Craig Sims | Group General Manager Operations & Services, ANZ
When it comes to innovation in financial services, mobile payment systems are one of the big game changers. More and more customers are banking digitally.
16 Sep 2014
Who wins when cash payments disappear?
Andrew Cornell | Past Managing Editor, bluenotes
The banking industry has long reassured itself that even if customers don’t always like banks, they trust them. And trust is the over-riding base of a financial relationship.
14 Aug 2014
The natives are restless – what does it mean when data natives replace digital natives?
Jayne Opperman | Former General Manager Technology, ANZ
We are seeing a shift in generations, from those who grew up with the internet to those who have 'discovered' the possibilities of data. A shift from 'Digital natives' to 'Data natives'. Data natives expect their world to be 'smart' and to seamlessly adapt to them and their preferences.
13 Aug 2014
Innovation – in regulation not just products and services – vital for the digital age
Andrew Cornell | Past Managing Editor, bluenotes
Legislation that was written in an old world environment needs to be refreshed and modified.
15 Apr 2014
Why I’m a social media believer
Mike Smith | Former Chief Executive Officer, ANZ
I joined LinkedIn’s influencer program last year and it was reported on the front page of Australia’s major business newspaper as breaking news.
06 Apr 2014
Why BlueNotes
Paul G Edwards | Publisher, BlueNotes
Just a few years ago when I stepped on board the Number 8 tram at Punt Road to get to work, passengers were immersed in Melbourne’s great newspaper mastheads – The Herald Sun, The Age or maybe The Australian Financial Review (AFR) or The Australian.
Can digital IDs keep your personal identity private?
Lynwen Connick | CISO, ANZ
Digital IDs are all about creating a secure way to provide digital identification, where data is not shared directly but rather stored by a secure provider.