18 Sep 2023
AI to help make better banks
Leigh Mahoney |
Everyone has an eye on AI and how it will help clients. But it will also assist staff – and make for better banks overall.
Disruption
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.
24 Jul 2023
Riding the once in a century wave
Lakshman Anantakrishnan | Chief Investment Officer, ANZ Private
A major crisis hits humanity every 80 to 100 years. We are now due. How should we invest for this?
11 Oct 2022
Kindness fuels innovation
Carina Parisella | Innovation & Diversity Editor, bluenotes
Jim Hogan, neuro-inclusion pioneer and Google Cloud’s Chief Innovation Evangelist, discusses how kindness can drive innovation in the workplace.
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.
22 Jan 2019
PODCAST: AI, the cloud and the future of skills
Gerard Florian | Group Executive Technology, ANZ
As technology continues to advance, organisations must ensure their environments and employees are able to keep up.
01 Oct 2018
Lune: the cashless croissanterie
Jemma Wight | Production Editor, bluenotes
As people move away from cash, so too will businesses like Melbourne’s Lune Croissanterie – and there’re other benefits.
05 Sep 2018
Cryptomania: beyond boom and bust
Martin Smith | Head of Markets Analysis, East & Partners
Acceptance of digital currency remains largely misunderstood or off the agenda for the majority of Australian merchants.
29 Aug 2018
Banks v fintechs: better the devil you know
Andrew Cornell | Past 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.
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.
21 Aug 2018
Bottling startup lightning
Carina Parisella | Innovation & Diversity Editor, bluenotes
A panel of experts discuss what startup founders can learn from big business – and what large corporates can take from a culture of disruption.
21 Aug 2018
Collaboration trumps genius
Carina Parisella | Innovation & Diversity Editor, bluenotes
It's hard to keep up in an increasingly tech-focused world, we chat to a political economist and a cancer researcher to learn more.
16 Aug 2018
Creating Jamie
Shannon Newland | bluenotes contributor
Changing traditional industries are increasingly looking for creative thinkers.
01 Aug 2018
Are platforms the new bank branches?
Andrew Cornell | Past Managing Editor, bluenotes
Digital has brought a seismic shift in the economics of financial services. An expert describes on podcast what lies ahead.
25 Jul 2018
AI and the front runners
Peter Meliniotis | Director Digital Services, Capgemini Australia
How should organisations augment their customer experience processes for an AI world?
06 Jul 2018
PODCAST: open data and diagnosing financial hardship
Jemma Wight | Production Editor, bluenotes
Open banking will roll out through 2019. So what is it and what does it mean for consumers?
05 Jul 2018
The economist vs the machine
Jack Chambers & David Plank | Economist & Head of Australian Economics, ANZ
Big data is playing an increasing role in economic analysis – but new research suggests robots won’t be replacing economists just yet.
19 Jun 2018
Putting the H in HCD
Melissa Currie | Creative Content Producer, bluenotes
It’s easy to fixate on features and functionality but ultimately consumers will judge your product on how it serves them.
15 Jun 2018
How AI is disrupting insurance
Peter Tilocca | Chief Underwriter, ANZ OnePath
Machine learning is helping businesses design a faster, smarter and better experience for customers and everyone in the supply chain.
10 May 2018
Banking & the first-mover paradox
Michael Scotton | Head of Security Strategy, Policy & Outreach for Technology, ANZ
Data presents massive opportunities for financial services groups willing to innovate – but it also brings its fair share of risks.
17 Apr 2018
Don’t leave voice of the customer to chance
Alicia Aitken & Greg Szopa | bluenotes contributors
Successful organisations listen to customers and deliver on the value promised.
05 Dec 2017
LONGREAD: who's liable if AI goes wrong?
Drew Turney | Freelance journalist
AI choices have caused discrimination, racism and at least one death. When a computer's learned more than the developer has programmed into it, who do we blame?
24 Oct 2017
The familiar, changing state of retail
Mark Ganz | Director Client Insights, ANZ
Retail is under siege from change – again. Is this time really any different?
27 Sep 2017
It’s time to automate the ATM
Andrew Cornell | Past Managing Editor, bluenotes
Does the ATM – once considered the ultimate banking innovation – even have a future?
11 Sep 2017
Podcast: a social and entrepreneurial mindset
David Lewis | Australian business professional and founder of The Mentor List
In the Mentor List’s latest podcast they talk to Jan Owen about unleashing the potential of young people to lead positive change in the world.
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.
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.
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.
22 May 2017
PODCAST: Disrupt yourself first
David Lewis | Australian business professional and founder of The Mentor List
It’s not just companies that disrupt, personal disruption can be just as powerful, author and influential management thinker Whitney Johnson explains.
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.
09 May 2017
PODCAST: The future of work is anti-disciplinarian
David Lewis | Australian business professional and founder of The Mentor List
Work Club founder and CEO Soren Trampedach discusses the future of work – and it is essentially evolve or die.
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.
02 May 2017
ANZ overhauls its organisational approach to improve customer experience
Andrew Cornell | Past 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.
24 Apr 2017
Sorry we missed you!
Terrie Lloyd | CEO, Japan Travel KK
One of Japan's big-three parcel delivery companies, Yamato, dropped a bombshell when an "inside source" told a major daily newspaper they would gradually end their same-day deliveries for Amazon Prime customers.
19 Apr 2017
Don’t give up on globalisation yet
Charles Wachira | Associate Director, Institutional at ANZ
The times they are a changin’.
31 Mar 2017
The case for DevOps
Matt Nicol | bluenotes contributor
DevOps is a portmanteau changing the way a lot of organisations do business.
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.”
19 Dec 2016
VIDEO: bricks are back in retail
Briar McCormack | New Zealand editor
Consumer insights are telling a story retailers can’t ignore: bricks are back.
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.
06 Dec 2016
Innovation and the gentle touch in NZ
Kathryn Boyde | BlueNotes contributing editor
Being called out at all hours of the night to perform an emergency c-section on a distressed cow is all in a night’s work for Ursula Haywood.
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?
21 Nov 2016
VIDEO: Don’t be afraid of disruption
Darren Sibson | bluenotes contributor
The only way for banks to survive in the new world of fintech is by embracing the disruption all around them, incorporating that disruption into how they operate.
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.
28 Sep 2016
Is anyone cashing in on mobile wallets?
Andrew Cornell | Past Managing Editor, bluenotes
The seemingly inexorable trend towards a cashless society continues as contactless payments and mobile wallets replace cash in consumer commerce and real-time payments occur deeper and deeper into the world of small as well as large business.
26 Sep 2016
Distributed ledger technology and opportunities in correspondent banking
Chris T’en, Jackie Kallman & Larry Feinberg | Senior Manager Payments Portfolio & Manager Innovation Services, ANZ & Wells Fargo
Every day, payment disruptors and competitors across the globe are reminding banks the cross-border payment industry is ripe for rejuvenation, promising faster and lower cost alternatives to the current international payment process. Customers expect more and banks are investing to meet and exceed those expectations.
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.
20 Sep 2016
Disruptors: if you can’t beat ‘em, join ‘em (or buy ‘em)
Andrew Cornell | Past Managing Editor, bluenotes
Corporate balance sheets globally have a lot of cash with earnings solid and interest rates low but caution and limited opportunity for investment is leaving much of it unspent.
09 Sep 2016
Will driverless cars break the banks?
Craig Ridley | Managing Director
While robots driving cars may still seem like technology from a futuristic science-fiction film, soon enough driverless cars will be a part of everyday society, which could have a surprisingly dramatic impact on a diverse range of industries.
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.
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.
22 Aug 2016
VIDEO: How big data becomes big value
Angie Simmonds | BlueNotes contributing editor
Big data on its own won’t change the world for business, SAS Australia & New Zealand chief operating officer Lynette Clunies-Ross says. It’s only when you apply it to big opportunities that you create big value.
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.
16 Aug 2016
Will fintech force banks off the road?
Tareq Muhmood | CEO Korea & Managing Director Global Subsidiaries, ANZ
I often hear about the fourth industrial revolution, the one in which digital, fintech and other disruptive innovations are creating a moment akin to when horse and carriage companies had to adjust to the launch of the motor car.
08 Aug 2016
Banking vs Tech: the importance of diversity in technology
Renee Whitford | BlueNotes contributing editor
The most successful businesses appeal to a wide range of people because they have diverse teams which understand what customers want and need, according to two senior technology and banking executives.
08 Aug 2016
Why mobile is the remote control of our lives (and other marketing lessons from MIT)
Carolyn Bendall | Head of Marketing Australia, ANZ
What does the digital transformation of a traditional company like a bank mean for marketing? After all, marketing is not a core banking platform. It’s not payments or lending facing the threat of Bitcoin or peer-to-peer lending.
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.
02 Aug 2016
The fintech revolution: slower burn or slowly burning?
Andrew Cornell | Past Managing Editor, bluenotes
Venture capital investment hit a record in 2015. It won’t top that in 2016. The latest EY global venture capital trends report found $US148 billion invested through 8,381 deals in 2015 – the highest venture capital (VC) activity in nearly two decades.
28 Jul 2016
Banking vs Tech: what does ‘digital’ really mean?
Renee Whitford | BlueNotes contributing editor
Successful businesses of the future won’t forsake the human element as digital transforms the way they deal with customers but instead strike the perfect balance between both, according to two of Australia’s most senior banking and technology executives.
28 Jul 2016
Innovation ecosystems: where the magic happens
Carina Parisella & Brooke Paterson | Senior Managers, Strategic Engagement, ANZ
More than just the latest buzzword, business ecosystems are changing the way organisations work together as an increasing number of corporations embrace the collaboration economy.
21 Jul 2016
Industry needs to take the innovation wheel
Max Theilacker & Professor Peter Gahan | Research Project Manager & Professor, University of Melbourne
As a small open economy, Australia’s future prosperity will always be dependent on our collective ability to compete in intensively competitive global markets.
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.
05 Jul 2016
Innovative financial planners are 20% better off
Alexis George | Deputy Chief Executive Officer & Group Executive Wealth Australia, ANZ
What does innovation look like in the real world?
04 Jul 2016
Insights from industry breaking disruptors
Shane White | Content Manager, Institutional, ANZ
Century old industries are being turned on their head as disruptive organisations find new and innovative ways to operate and succeed in our new digital-driven world.
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.
23 Jun 2016
Great opportunities – and some hazards - await AI’s role in financial services
Darren Sibson & Francesca Rizzo | Contributing editors, BlueNotes
Artificial intelligence is expected to revolutionise the financial services industry with an unprecedented depth and breadth of insight and the ability to act on information and learn from its actions. However, many executives acknowledge a degree of risk surrounding the use of AI, according to a research from global law firm Baker & McKenzie.
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.
10 Jun 2016
IN PICTURES: mobile banking, 50s style
Peter Marinick & Francesca Rizzo | Archivist & Contributing editor, ANZ
Long before smartphones and ApplePay, mobile banking was a thing – but a very different thing than it is today. Instead of touchscreens we had wheels. And instead living in your pocket, this bank travelled to the customer.
10 Jun 2016
Commercialising creativity – turning great ideas into real businesses
Shane Buggle | Group General Manager Internal Audit, ANZ
Universities are full of smart people, many with brilliant ideas. Australian universities are very highly regarded on the world stage, with eight of the 39 Australian universities ranked in the top 150 in the world.
30 May 2016
The future cyber economy
Sally Adee | Editor, GameChangers
This is an edited excerpt from the New Scientist report, Gamechangers: Automation and Artificial Intelligence.
24 May 2016
The next evolution of financial services
Andrew Cornell | Past Managing Editor, bluenotes
If you want to know why only one in 50 fathers take up paid parental leave, listen in on the conversations they have with their male colleagues and bosses.
17 May 2016
The opportunity for efficient fintech is huge
Andrew Cornell | Past Managing Editor, bluenotes
Whether it’s a bubble or not, the investment binge into financial services start-ups and financial technology companies (fintech) has long looked unsustainable. There are too many opportunities swimming in an evaporating pool of investment capital.
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.
06 May 2016
Nine reasons why banks aren’t using blockchain
Christian Venter | GM Digital Technology, ANZ
This story is an excerpt of the BlueNotes longread “Everything you’ll ever need to know about blockhain – and more”. Click here to read the full story.
26 Apr 2016
Grey innovation: disrupting age stereotypes in fintech
Juliet Bourke | Partner, Deloitte
Sometimes you don’t even know you hold a stereotype until it is right in your face.
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?
04 Apr 2016
BlueNotes debate: How much damage can disruption do?
Andrew Cornell | Past Managing Editor, bluenotes
BlueNotes Debates bring together important voices across the business, economic and social spectrum to thrash out where the issues lie. Managing editor Andrew Cornell recently chaired a forum of regional corporate advisory, restructuring and administration professionals. After debating their particular take on the outlook for 2016, the discussion turned to the impact of digital disruption.
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.
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.
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.
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.
06 Nov 2015
Disruption is an opportunity, not a threat
Scott Collary | Former Chief Information Officer, ANZ
I have a dual perspective on the battle between innovation and disruption in the banking industry. It's one that leads me to believe banks have more to gain from disruption than to lose from it. I'll explain why.
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.
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.
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.
13 Oct 2015
Is Apple Pay a dud? And what about P2P?
Andrew Cornell | Past Managing Editor, bluenotes
Going viral is one of the favoured metaphors of the social and digital world but it is the nature of viruses to rapidly mutate, shifting targets and impacts.
07 Oct 2015
The role of banks as the climate changes
Christina Tonkin | Managing Director of Corporate Finance ANZ Institutional
What is the role of a bank in addressing the challenge of climate change? Is it to support government policies? Or should banks be doing more to speed up the transition to a low-carbon economy by prioritising the financing of low or zero-emission technologies that have the potential to disrupt traditional models of emissions-intensive energy generation?
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.
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.
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.
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?
19 Aug 2015
Don't fight flexible work. It's productive. And it's already here.
Susie Babani | Former Chief Human Resources Officer at ANZ
A couple of months ago the CEO of my company declared all roles should be flexible. We've had policies on flexible working for a number of years but usage was sporadic and very much depended on a “Leadership Lottery” - if you had a leader who "got it" then flex was just part of the day to day norms and no big deal.
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.
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.
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.
10 Jun 2015
Cryptic questions for cryptocurrencies
Andrew Cornell | Past Managing Editor, bluenotes
Cryptocurrencies and their enabling technologies have been back in the news with more traditional financial institutions globally, including banks, announcing trials or at least interest.
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?
28 Apr 2015
Here’s why banks can be disruptors
Matt Boss | Former Managing Director Products and Marketing, ANZ
Disruption is the buzzword of today and this is nowhere more prevalent than in banking.
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?"
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.