05 Sep 2024
Getting the basics right
Vinit Jha |
Companies seeking to make the most of existing resources can lean on business services teams to develop products which can help teams across the organisation.
Innovation
14 Aug 2024
How will you champion the customer?
Maile Carnegie | Group Executive - Australia Retail, ANZ
How can we understand product management in a fast-moving digital age? We need to cast our minds back to the 1930s to understand how.
07 Aug 2024
To your health! The growth in zero-alcohol beverages
Sara McCluskey | Head of Diversified Industries, ANZ Institutional
Something is brewing in the beverage industry – and it hasn’t got alcohol in it.
06 Feb 2024
AI Revolution: A Year of Transformative Impact and the Road Ahead
Tim Hogarth | Chief Technology Officer, ANZ
In just a year Generative AI has started to profoundly reshape our world. However, this transformation has only just begun. What are the next steps in the journey?
25 Jan 2024
China’s road to EV dominance
Daniel Hynes | Senior Commodity Strategist, ANZ
Little known a decade ago, China-based BYD recently overtook Tesla as the world’s biggest electric vehicle maker. What is happening in the world of EVs?
23 Jan 2024
The science of saving success
Mohamed Khalil | Head of Financial Wellbeing, Research and Design, ANZ
It’s easy to envisage our New Year’s saving plans coming off without a hitch. But as cost-of-living increases bite, understanding our own psychology can help achieve savings success.
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.
31 Oct 2023
Using artificial intelligence to fight fraud and scams
Sascha Thiel | Head of Business Platform Services, ANZ
There are new helpers in the battle against online scammers. AI, machine learning and data analytics are revolutionising our ability to protect ourselves.
27 Sep 2023
Capturing the technological advantage
Cameron Mitchell | Head of Geopolitical Risk, ANZ
Geopolitics and technology are being impacted by a trend not traditionally associated with bureaucracy: innovation.
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?
07 Sep 2023
Partnering to foster innovation
Brett Foley | Managing Editor, bluenotes
How does a large financial institution act and think like a lean start-up? By working with innovation partner 1835i to identify new technologies to help navigate the fast-changing digital world.
23 Aug 2023
A clean energy partnership that breaks tradition
Rob Grant | General Manager and Head of Projects, Pollination
There is no credible path to net zero that does not run through land stewarded by Traditional Owners. One model in the Kimberley shows how respect can help build a better future.
18 Aug 2023
ESG the key to unlock value for small businesses
Mark Ellul & Simon Janes | Head Community Sustainability, ANZ & Portfolio, Data & Credit Appetite Lead, ANZ
The world and its consumers are seeking to find businesses with responsible practices. Small and medium sized business can play a big role, here are some of their stories.
03 Jul 2023
Help is on the line
Jason Humphrey | Chief Risk Officer, Australia, ANZ
The planet has gone online but in a digital world ANZ is bringing back old school bank manager conversations – but 24-7.
16 Jun 2023
License to thrive
Andy White | CEO of Australian Payments Network (AusPayNet)
Australian payments system reforms mean more can play but you must be prepared to pay.
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.
22 May 2023
How generative artificial intelligence can make engineers more efficient
Tim Hogarth | Chief Technology Officer, ANZ
Artificial intelligence has hit the headlines thanks to the text generation abilities of ChatGPT. But it may also help engineers free up time by producing software code.
19 May 2023
Data driven solutions: from driving quality in technology to violence prevention
Catherine Lockstone | Capability Area Lead – Quality Engineering at ANZ
Catherine Lockstone crunched data when she was on the board of Kara Family Violence Services. That work supported the findings of an Australian Royal Commission. Now she does similar work at ANZ, enhancing the quality of engineering.
15 May 2023
Collaboration is needed for central bank digital currencies (CBDC)
Julie Bolan | Head of Payments, APAC at Swift
Banking sector should keep a close eye on the rapidly evolving world of Central Bank Digital Currencies.
22 Mar 2023
Mine the gap
Gene Tunny | Director Adept Economics
Queensland business RDO Equipment is ready for Queensland’s “critical minerals” boom.
03 Mar 2023
Artificial intelligence at ANZ: Growing responsibility
Tim Hogarth | Chief Technology Officer, ANZ
AI is no doubt the technology of the future. Adapting the technology responsibly is key for successful growth.
03 Mar 2023
Australia moves forward on central bank digital currencies
Nigel Dobson | Banking Services Lead, ANZ
The Reserve Bank of Australia is beginning a pilot program to examine central bank digital currencies – with the potential to open a new world of opportunities.
02 Mar 2023
IWD 2023: A retrospective list
Carina Parisella | Innovation & Technology Editor, bluenotes
Closing the gender gaps is more than an annual commitment. This selection of stories celebrates the efforts for and by women from all walks of life from all through the year.
21 Feb 2023
Innovate to keep on trucking
Dean Evagorou & Aidan Kenworthy | Associate Directors within ANZ Client Insights & Solutions
Technological innovation is revolutionising supply chain logistics. Those who invest in change could reap huge rewards.
17 Feb 2023
Digital payment disruption continues in retail
Philippa Campbell | Head of Transaction Banking Australia & PNG
The evolution of digital payments is accelerating in retail and customers are demanding more. Businesses must change too if they are to capture the benefits.
07 Nov 2022
The shift driving electric vehicles
Jenny Fan | Director, Sustainable Finance, ANZ Institutional
As demand for electric vehicles rises, so too will the need to finance their production in a sustainable way.
18 Oct 2022
Unravelling a complex corporate structure: ANZ’s Wealth divestment explained
Craig Brackenrig & Adam Crook | Head of Wealth & Program Director of the Wealth Separation, ANZ.
Separating and selling ANZ’s wealth division in multiple transactions was a complicated challenge for the bank. A template completing complex transactions successfully.
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.
11 Oct 2022
Kindness fuels innovation
Carina Parisella | Innovation & Technology Editor, bluenotes
Jim Hogan, neuro-inclusion pioneer and Google Cloud’s Chief Innovation Evangelist, discusses how kindness can drive innovation in the workplace.
19 Sep 2022
University of Canterbury engineers a zero-carbon future
Luke Appleby |
New Zealand's University of Canterbury is Hitting the Target and working to reduce greenhouse gas emissions to net zero by 2030
23 Aug 2022
Digitising and greening global supply chains
Martin Smith | Head of Markets Analysis, East & Partners
With business supply chains under constant pressure globally, the opportunity lies in digital innovation and sustainable finance
19 Aug 2022
eInvoicing – and three ways it helps SMEs
Adil Farouk | Group Procurement Operations, Performance & Insights Lead, ANZ
Small businesses around Australia are dropping the traditional invoice – and the PDF – and moving toward a modern and effective solution.
01 Aug 2022
Tokenised carbon credits to rejuvenate the global emissions market
Ryan McCall | CEO and co-founder, Zerocap
As more carbon credits become tokenised within a blockchain they’ll become more accessible and more easily traded, with significant benefits for emissions reduction efforts.
30 Jun 2022
The wide-open banking road
Jody Bullen | Head of Open Banking New Zealand at ANZ
A focus on regulation and relationships will help the open banking rollout in New Zealand accelerate safely.
24 Jun 2022
Planning for a connected, digital future
Andy Thiss | Country Manager & Area VP, Anaplan ANZ
Banks must – continue – to break down silos and connect data from legacy systems if their transformations are to succeed.
22 Jun 2022
Technology strategy in banking: constantly evolving
Gerard Florian | Group Executive Technology, ANZ
Tech executive explains why ANZ’s technology strategy must remain closely aligned with the bank’s broader strategy.
15 Jun 2022
The cloud and the silver lining for customers
Tim Hogarth | Chief Technology Officer, ANZ
As major companies shift their technology footprint to the cloud, the benefits are significant for ANZ, its customer and shareholders.
14 Jun 2022
A century-old tax and a stablecoin walk into a bar…
Doug Campbell | General Manager Australia, Convergence.Tech
Decentralised finance technologies are helping alcohol producers and regulators maintain oversight and reduce red-tape.
30 May 2022
Hightower: from digital journeys to customer destinations
Daniel Gonsalves | Portfolio Lead, ANZx
Google Cloud and software engineering expert Hightower says constantly refocusing priorities based off customer needs is integral to creating a successful product.
24 May 2022
Stopping fraudsters: another line in ANZ’s digital defence
Sascha Thiel | Head of Business Platform Services, ANZ
With scams on the rise ANZ has developed another mechanism to help protect customers and their data.
18 May 2022
Ah, you want a stable stablecoin…
Andrew Cornell | Past Managing Editor, bluenotes
Rising rate expectations are ultimately behind the destruction of recent weeks in crypto asset markets, especially cryptocurrencies.
04 May 2022
BEHIND THE NUMBERS: more power in the hands of ANZ Plus customers
Tim Hogarth & Wayne Spiteri | Chief Technology Officer & Engineering Lead, ANZ
The profound change in the architecture supporting the new ANZ Plus proposition will give customers a whole new range of functionality.
04 May 2022
BEHIND THE NUMBERS: the stable in stablecoin
Nigel Dobson | Banking Services Lead, ANZ
Fintech was once touted as the great challenger to traditional finance, will DeFi – decentralised finance – be the next threat? Or will it create opportunity?
05 Apr 2022
When worlds collide: DeFi meets TradFi
Andrew Cornell | Past Managing Editor, bluenotes
Decentralised finance has become big enough for central banks to take notice. Will subsequent rules and regulations help DeFi grow or will the bubble burst?
04 Feb 2022
Banking on the neo consumer
Tim Dring | Oceania Banking & Capital Markets leader, EY
“Neobanks” aren’t shutting down incumbent banks just yet - a focus on trust and product personalisation will keep their appeal at bay. For now….
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.
05 Nov 2021
Fintech innovation’s perfect storm
May Lam | EY Oceania Fintech Leader and Asia-Pacific Payments Leader, EY Financial Services
Fintechs are seeing improved relationships with banks focusing on better partnerships, more access, introductions to the ‘right people’ and openess to new ideas.
28 Oct 2021
BEHIND THE NUMBERS: an agenda of automation
Sreeram Iyer | Chief Operating Officer - Institutional, ANZ
ANZ’s Institutional bank has been taking strides to improves its digital and automation capabilities for customers.
20 Oct 2021
Build it - but will they come?
Paul Wiebusch | Associate, Quill Peak
Now that Open Banking and Australia’s Consumer Data Right have officially launched, will it be a big bang or a slow burn?
26 May 2021
Can central banks be even more cryptic?
Andrew Cornell | Past Managing Editor, bluenotes
As the value of cryptocurrencies continue to spike and reverse, central banks have started mulling its usefulness.
27 Apr 2021
Under the hood: challenging the lenders
Shayne Elliott | Chief Executive Officer, ANZ
At first glance, it might seem strange for a major bank like ANZ to invest in a challenger lender. But this ANZi alumnus explains one strategy behind the decision.
21 Apr 2021
Banking platforms off the deep end
Andrew Cornell | Past Managing Editor, bluenotes
Not all banking platforms are created equal. And banks may not even be the right company to offer the service.
08 Apr 2021
PODCAST: rise of the machine (learning)
Shayne Elliott | Chief Executive Officer, ANZ
AI and machine learning can make banking faster, easier and better for our customers and our people. Here’s how some of our teams are embracing these new technologies.
24 Mar 2021
When the barista is giving you crypto tips…
Andrew Cornell | Past Managing Editor, bluenotes
The crypto bonanza continues. Tweets are now non-fungible works of art. But one piece of the digital landscape is more than hype: blockchain.
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.
24 Feb 2021
Under the hood: make an offer
Shayne Elliott | Chief Executive Officer, ANZ
As the Australian housing market continues to recover from the pandemic, one digital solution is making it easier than ever for buyers to purchase a home.
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.
10 Feb 2021
Behind the ranks of the fintech revolution
Andrew Cornell | Past Managing Editor, bluenotes
The past year has seen upheaval in the financial services industry. But – so far - it hasn’t been the traditional banks bearing the brunt.
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.
28 Jan 2021
Leaving behind legacy: the need for business transformation
Shayne Elliott | Chief Executive Officer, ANZ
If 2020 taught us anything, it’s that companies must move quickly in transforming their businesses to be digital-first.
27 Jan 2021
2021: banking on a better future
Andrew Cornell | Past Managing Editor, bluenotes
After a tumultuous year, one certainty is digital transformation will accelerate.
22 Jan 2021
IN CHARTS: electric vehicles in the tech ecosystem’s fast lane
Bansi Madhavani & Raymond Yeung | Economist & Chief Economist Greater China, ANZ Research
2020 was a big year for electric vehicles despite weaknesses in the broader automotive industry.
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.
15 Jan 2021
Banking on the next decade
Andrew Gilder | Asia-Pacific Banking and Capital Markets Leader, EY
Corporate, commercial and small-medium enterprise banking services are ripe for innovation and need to start planning now to stay ahead of the curve.
15 Dec 2020
Partnering to push payments into the future
Mark Hand | Group Executive Australia Retail and Commercial Banking, ANZ
ANZ and Worldline have created a new joint venture to enhance the payments experience for both consumers and merchants
02 Dec 2020
PODCAST: Silicon Valley’s founding father
Andrew Cornell | Past Managing Editor, bluenotes
Long-time venture capitalist Sanford Robertson has decades of experience in Silicon Valley. And he has no plans to slow down.
24 Sep 2020
Sibos 2020: destination Lygon, outlook global
Arun Kayal & Shane White | AD Institutional Communications & Institutional Content Manager, ANZ
Solving problems with real solutions is just one benefit of the successful guarantees-based Lygon technology.
22 Sep 2020
Sibos 2020: shining a light on APIs
Arun Kayal & Shane White | AD Institutional Communications & Institutional Content Manager, ANZ
Rapidly increasing demand for application programming interfaces is changing the way financial services groups interact with customers.
21 Sep 2020
School children shape the new normal
Jim Schuman | Co-founder, First Pitch
The future of the workforce will look radically different by the time school-aged children are part of it. They should be involved in shaping it.
16 Sep 2020
I worked with a zombie
Andrew Cornell | Past Managing Editor, bluenotes
Even before the COVID-19 pandemic, some corporate businesses were barely alive but not quite dead.
21 Aug 2020
AI governance needs real people in mind
Shane Evans | Partner & Health Industry Lead, MinterEllison
Technology innovations will create many opportunities for advanced healthcare. But the focus must remain on the end consumer at all times.
12 Aug 2020
Working together to fight cyber crime
Lynwen Connick | CISO, ANZ
The government’s new Cyber Security Strategy will help individuals and businesses of all sizes bolster against cyber-attacks.
10 Aug 2020
Relying on innovation
Michael Ewald | Director - Engineering & Consulting APAC, Contino
Customers want reliability. So how hard is it really for major organisations to be reliable? One new technology concept makes it much easier.
26 Jun 2020
Digital businesses read the prophecy
Leigh Mahoney | Head of Wholesale Digital, ANZ
The COVID-19 pandemic has highlighted the need for businesses of all kinds to embrace digital tools.
24 Jun 2020
Sometimes - history needs a push
Andrew Cornell | Past Managing Editor, bluenotes
COVID-19 has inflicted revolutionary change at a pace and scale to rival the political upheavals of the 20th century.
23 Jun 2020
Ten years in 10 weeks, all change
Gerard Florian | Group Executive Technology, ANZ
The world has seen enormous levels of change in the last few weeks. What aspects are sticking in the minds of company executives?
19 Jun 2020
Simplifying Australia’s payments industry
Jackie Kallman | Head of Payments Industry & Engagement, ANZ
Three of Australia’s major payments companies are on the brink of a ground-breaking merger. What does it mean for competition?
15 Jun 2020
Innovation a business challenger, game changer
Jenefer Stewart | General Manager Business Banking, ANZ
Difficult times like the COVID-19 pandemic force businesses to adapt to stay relevant and viable.
12 May 2020
Data in a crisis - and beyond
Emma Gray | Group Executive - Data & Automation, ANZ
ANZ data and automation expert outlines how data must be managed for customers and decision makers.
04 May 2020
Two decades on, will COVID-19 alter payment patterns?
Mike Ebstein | Director, MWE Consulting
The payments landscape has changed entirely in two decades. Will COVID-19 alter the course of history?
01 May 2020
Working remotely: ANZ’s network affect
Gerard Florian | Group Executive Technology, ANZ
Companies around the world – including ANZ – had to rapidly adapt both physically and technologically to respond to COVID-19.
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 Mar 2020
New work: transforming from within
Kathryn van der Merwe | Group Executive – Talent & Culture, ANZ
As businesses lean in to transformation, departments like human resources must adapt too.
28 Feb 2020
The customer’s right to innovation
Emma Gray | Group Executive - Data & Automation, ANZ
Can Australia have a leading position in a future digital economy? Customer experience and privacy must be paramount.
26 Feb 2020
Banking’s next decade: change is the new normal
Andrew Gilder | Asia-Pacific Banking and Capital Markets Leader, EY
Fintechs and bigtechs are continuing to take on market share from incumbent banks. Now isn’t the time for banks to sit still.
11 Feb 2020
Cyber risks at home: bad for business
Paul Burrow & Catherine Wise | Senior Cyber Security Behaviour Managers, ANZ
As the line between workplace and home continues blurs, cyber risk for organisations spreads outside the office.
05 Feb 2020
Banks and payments: take your pick
Andrew Cornell | Past Managing Editor, bluenotes
Incumbent banks and new players keep coming up with even more ways to pay – but is it musical chairs or deckchairs on the Titanic?
24 Jan 2020
Data can’t talk… but stories and insights can
Gerard Florian | Group Executive Technology, ANZ
New technology is transforming every industry – but old-fashioned stories get stakeholders on-board.
27 Nov 2019
Fintech threat: not just where you think
Andrew Cornell | Past Managing Editor, bluenotes
The fintech revolution is entering the negotiated truce phase - but bigtech looms on a new front.
26 Nov 2019
PODCAST: banking on innovation
Nick Higginbottom | bluenotes contributor, ANZ
Fintechs and banks come together for shared strategic benefit under ANZ’s new investments team, ANZi Ventures.
08 Nov 2019
Japan: world leaders in robots and growing old
Tom Kenny | Senior International Economist, ANZ
Japan’s demographic challenges are impacting growth. Can automation and AI help drive improved long-term productivity?
25 Oct 2019
Busting open banking wide open
Paul Wiebusch | Associate, Quill Peak
The launch of open banking in Australia will cause widespread frenzy as people immediately leave their bank for a challenger. Or will it?
22 Oct 2019
Fintech as a force for good
Michelle Commandeur | Head of Financial Inclusion at ANZ
Innovative fintech companies have the opportunity to be at the forefront of financial wellbeing and inclusion.
09 Oct 2019
Chongqing: balancing on the pillars of trade
Farhan Faruqui | CFO, ANZ
The evolution of the Chongqing municipality will serve as an effective blueprint for future trade in China.
04 Oct 2019
Betting big on future climates
Larry Marshall | Chief Executive, CSIRO
Australia must act now on climate change to retain our quality of life and economy, says CSIRO chief.
02 Oct 2019
Fintechs folding in
Andrew Cornell | Past Managing Editor, bluenotes
The Bank of the Future would do well to look into the past as well as the fintech forecast.
21 Sep 2019
SIBOS19: machine learning - homines in machina
Arun Kayal & Shane White | AD Institutional Communications & Institutional Content Manager, ANZ
Machine learning isn’t all robotic – people need to be involved too. The lessons will change the game for banks and their customers.
31 Jul 2019
Australia’s tipping point from China
Luke Deer | Independent Researcher & Finance Tutor, University of Sydney Business School
Australia should look to China for future innovations in the fintech and payments sector.
22 Jul 2019
The secret life of data
Shane White | Content Manager, Institutional, ANZ
Deeper analysis of data can help businesses better understand their customers’ buying behaviours.
16 Jul 2019
Bots are listening to your CEO’s conference call
Simon Jemison | Corporate Communications Consultant, SJ Advisory Australia
Quantamental technologies and natural language processing – investor calls are no longer just upbeat or downbeat.
15 Jul 2019
Is the future stable for Libra?
James Culham | Executive Director, Institutional Portfolio Management, ANZ
Facebook’s latest payments venture is causing quite a stir online but will its intrinsic value add up?
10 Jul 2019
Nothing to see here. Hang on, maybe there is…
Andrew Cornell | Past Managing Editor, bluenotes
Central banks have been in watch-and-wait mode on cryptocurrencies for a while but now they are beginning to move.
08 Jul 2019
The Green Revolution needs more colours
Jane Grace | NZ Content Manager, ANZ
The next food revolution needs to be a shift away from monoculture, according to a renowned food futurist.
26 Jun 2019
Reading Libra’s horoscope
Andrew Cornell | Past Managing Editor, bluenotes
Facebook has launched its own currency - Libra - we foretell doubters and challenging times ahead.
20 Jun 2019
Fintech’s coming of age
James Lloyd | EY FinTech Leader for Asia-Pacific
Global fintech adoption is continuing to accelerate as the sector matures and spreads across new products and services.
19 Jun 2019
The war for talent in the digital age
Melissa Currie | Creative Content Producer, bluenotes
The talent war has spurred an arms race of digital tools organisations are using to identify new talent.
10 May 2019
Machine learning: change the way you think
Shane White | Content Manager, Institutional, ANZ
Increasing productivity returns and solving big problems are just some of the benefits of machine-learning algorithms.
30 Apr 2019
Bank to the future
Andrew Cornell | Past Managing Editor, bluenotes
As more and more competitors enter the arena, will traditional banks step up or do they – wrongly – fear competition?
17 Apr 2019
Five years of bluenotes; that’s not all we’ve got…
Andrew Cornell | Past Managing Editor, bluenotes
Since launching five years ago, bluenotes – and our audience – has changed. We’re still striving to adapt and deliver engaging content.
15 Apr 2019
Q&A: the Asian century never ended
Shane White | Content Manager, Institutional, ANZ
ANZ’s Farhan Faruqui outlines the bank’s plans in an Asian region still brimming with opportunity for business.
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.
18 Mar 2019
The benefits of being behind the curve
Richard Morgan | Country Manager Aus & NZ, Genpact
AI adoption in Australia may be lagging but there could be benefits to being late.
27 Feb 2019
Non-banks: looking like banks, acting like banks, regulated like banks
Andrew Cornell | Past Managing Editor, bluenotes
As challenger banks promise to be better than the banks, can they avoid becoming banks themselves?
20 Feb 2019
NZ wine: full bodied and aging well
Briar McCormack | New Zealand editor
NZ’s wine industry continues to perform well on the back of profitability for wineries of all sizes.
13 Feb 2019
So much to buy, many ways to pay
Andrew Cornell | Past Managing Editor, bluenotes
Paying for goods and services has never been so complicated with hundreds of payments options.
08 Jan 2019
Carnegie: innovation, not just private
Maile Carnegie | Group Executive - Australia Retail, ANZ
The public service plays a pivotal role in driving the national innovation ecosystem, says ANZ’s Group Exec – Digital.
07 Dec 2018
Back before hieroglyphics: the evolution of emoji
Melissa Currie | Creative Content Producer, bluenotes
Could the origins of emoji really date back to Palaeolithic times?
06 Dec 2018
More than a token effort
Matt Wood | Head of Digital Products and Partnership at Visa
Tokenisation: the technology changing digital commerce.
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.
23 Oct 2018
Short-term pain for long-term gains
Briar McCormack | New Zealand editor
Investing in pharmaceutical innovation may not yield short-term returns but the long-term benefits are vital.
27 Sep 2018
Spinnakers up for innovation
Briar McCormack | New Zealand editor
Doyle Sails has gone from a little company in NZ to taking on the global market, here’s what they’ve learnt along the way.
13 Sep 2018
AI: are humans obsolete?
Andrew Cornell | Past Managing Editor, bluenotes
AI is already shifting human life. Where are we going now? Five experts give their view.
07 Sep 2018
LONGREAD: the origins of agile
Jean Dieudonne | Product Owner, Business Owners Tribe, ANZ
What exactly is agile and where did it come from – we present a brief history of the hottest management model.
06 Sep 2018
ANZ, Atlassian & lessons from a meteoric rise
Gerard Florian | Group Executive Technology, ANZ
ANZ head of technology wants new deal with Atlassian to be a much-deeper relationship than vendor-client.
05 Sep 2018
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.
31 Aug 2018
SMEs: boost revenue $A385 billion a year
Guy Mendelson | Portfolio Lead - Business Owners, ANZ
SMEs can save time and lift financial performance using digital and data, survey shows.
30 Aug 2018
LEGO? Are you serious?
Melissa Currie | Creative Content Producer, bluenotes
Lego: no longer just child’s play. An increasing number of organisations are taking to using it to drive innovation.
23 Jul 2018
STEM, kids and breaking things
Carina Parisella | Innovation & Technology Editor, bluenotes
Pulling things apart and repairing them is still a big pastime for kids - it’s just these days, everything is built from code.
20 Jun 2018
Q&A: on robots, why can’t we just be friends?
Andrew Cornell | Past Managing Editor, bluenotes
We chat to an expert panel about AI, the future of work and why we might not have to fight the robots after all.
15 May 2018
To get more kids into STEM, we need to change
Carina Parisella | Innovation & Technology Editor, bluenotes
A rethink on the way we instill, assess and value knowledge in students is required, educator says.
05 Feb 2018
The new commandments for online
Erica Hardinge | Head of Security Enablement, ANZ
We’re learning more about the impact of the dark side of the net on our kids.
30 Jan 2018
Q&A: innovation never stops
Craig Sims & Shaji Farooq | GM Operations & Services, ANZ & President & CEO, BFSI, Wipro Ltd
Financial services, like all businesses, can’t be satisfied with the gains it has made in technology.
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.
05 Jan 2018
The value in analysing analytics
Michael Gibson | Senior Analytics Delivery Lead, ANZ
Analytics are important to the success of all business – but why is adoption typically so low?
18 Dec 2017
Why we need to teach kids the ABCs of STEM
Ryan Crocker & Carina Parisella | contributor & innovation editor, bluenotes
We speak to author and expert Penelope Taylor on the business imperative of ensuring children have the right skills to be fit for the jobs of the future.
08 Dec 2017
Data, ethics and the creepy line
Joanna Jordan | bluenotes contributor
Data can provide better customer outcomes– but businesses have a responsibility to use it correctly.
20 Nov 2017
The sky is falling, aisle six
Mark Ganz | Director Client Insights, ANZ
Will the ‘Amazon effect’ destroy the Australian retail sector?
09 Oct 2017
Apple iPhone X - the mobile banking era is over
Carina Parisella | Innovation & Technology Editor, bluenotes
Banking is now about convenience – and it’s up to banks to learn where the friction points are.
02 Oct 2017
Leaders, bring out your audacity
Dr Alicia Fortinberry | Writer, speaker and best-selling co-author.
Developing a learning and growth mindset in yourself and others in times of uncertainty requires stepping outside your comfort zone.
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.
19 Sep 2017
Oh what a feeling, agile working
Andrew Cornell | Past Managing Editor, bluenotes
ANZ’s Colin Neave recalls his time at Toyota where a shift to a new way of work saw the company top the marketplace.
18 Sep 2017
Agility is the new workplace currency
Anouk De Blieck | General Manager, Human Resources, ANZ
The workplace of the future won’t be fixed - it will be virtual and flexible – and workers will need to adapt.
06 Sep 2017
Data, mining & data mining
Aaron Ross & Jonathan Bloch | Global Head of REI & Head of Strategic Banking, REI, ANZ
The Australian resources sector is slowly moving toward its inevitable big-data future – but must move quicker.
05 Sep 2017
Carnegie on data, analytics & Sputnik
Andrew Cornell | Past Managing Editor, bluenotes
Companies need to realise the scope of the change presented by analytics quickly – and for some it’s already too late.
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.
31 Aug 2017
LONGREAD: Aus hospitality has a drinking problem
Necia Wilden | Career writer and editor
Brestaurant, anyone? Nights out are becoming more about the drinks as the restaurant sector adapts to changing conditions.
29 Aug 2017
VIDEO: for agri innovation, look to farmers
Carina Parisella & Greg Szopa | bluenotes contributors
Entrepreneur and fourth-generation farmer says growers are best-placed to offer innovative insights to the sector.
29 Aug 2017
VIDEO: squads, tribes & new ways to work
Andrew Cornell | Past Managing Editor, bluenotes
ANZ’s Kath Bray explains on video how ANZ’s new agile method of working will actually work.
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.
17 Aug 2017
Soundbytes: the future of communication
Tony Field | bluenotes contributor
How long before Google starts asking the questions? We speak to two experts about how tech is changing the way we communicate.
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.
27 Jul 2017
A new way to cultivate capital for farming’s future
Sam Marwood | Co-founder at Cultivate Farms
An ag startup aims to rejuvenate Australia’s farming communities by match-making young and existing families.
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.
05 Jul 2017
The GFC: When will it end?
Andrew Cornell | Past Managing Editor, bluenotes
A decade after the financial crisis, have we learned anything? It’s a crisis which keeps on taking.
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.
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.
01 Jun 2017
The end of China’s bike cycle?
Sara Brocklesby | Manager, communications & media, University of Melbourne
After two decades of modernisation and motorisation, China’s green push could see bikes make a comeback.
26 May 2017
Five tech trends changing financial advice
Andrew Tucker | CEO, ITonCloud
We outline the key trends set to impact financial advisers in the next few years.
23 May 2017
VIDEO: success, the agile way
Andrew Cornell | Past Managing Editor, bluenotes
ANZ technology GE Gerard Florian speaks to bluenotes about the agile working experience.
22 May 2017
VIDEO: The fintech battle is over
Jeff Kerr-Bell | bluenotes contributing editor
The landscape for financial services has changed but not everything is black and white.
05 May 2017
RegTech: creating value, not disruption
Chami Akmeemana | Executive director of regulatory solutions, ConsenSys
Since the financial crisis in 2008 the speed of regulatory change has accelerated rapidly, consuming an increasing amount of time and resources. In 2014, the top six banks in the US spent over $US70 billion on emerging regulation.
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
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.
19 Apr 2017
Don’t give up on globalisation yet
Charles Wachira | Associate Director, Institutional at ANZ
The times they are a changin’.
13 Apr 2017
Bring back the typewriter? Write on!
Leo D'Angelo Fisher | Freelance journalist
There was a time when the typewriter was a marvel of cutting edge technology. But look at a typewriter today and the first thing that comes to mind is “old technology” - with what level affection depending on where one stands on the typewriter affection spectrum, from “good riddance” to moist-eyed nostalgia to retro appreciation.
06 Apr 2017
Why BlueNotes is wrong: fintech has not peaked
Tareq Muhmood | CEO Korea & Managing Director Global Subsidiaries, ANZ
I was intrigued by BlueNotes columnist Andrew Cornell’s recent article All aboard fintech’s Trojan horse which highlighted a KPMG report showing the value of Fintech investment in 2016 was well down on 2015.
31 Mar 2017
The case for DevOps
Matt Nicol | bluenotes contributor
DevOps is a portmanteau changing the way a lot of organisations do business.
29 Mar 2017
VIDEO: where real leadership happens
Andrew Cornell | Past Managing Editor, bluenotes
The idea everyone can be a leader is a myth, ANZ director Paula Dwyer says, but that doesn’t mean leadership can’t be found at every level of an organisation.
28 Mar 2017
ON THE COUCH: innovation & change in Singapore
Andrew Cornell | Past Managing Editor, bluenotes
Goh Chok Tong has had a long, distinguished career in politics and public policy in Asia, including a crucial period as the Prime Minister of Singapore, succeeding founding PM Lee Kuan Yew.
23 Mar 2017
A tour of Tasmania’s future
Chris Sparks | Regional Executive, Regional Business Banking Tasmania, ANZ
With all the excitement accompanying Hobart’s unveiling of MONA back in 2012, not even the most optimistic among us could’ve foreseen how transformational a privately owned modern art museum would be for the tourism fortunes of the capital or for Tasmania as a whole.
10 Mar 2017
VIDEO: art, business and credit cards
Ha Bui | BlueNotes contributing editor
There is a long history of artists working with business. From the Medicis in the renaissance to institutions like the Catholic Church and now modern corporations, many great and revered works of art have come from these relationships.
02 Mar 2017
The secret to being innovative (is getting obsessed with customers)
Maile Carnegie | Group Executive - Australia Retail, ANZ
The disruption race will be won by those that get the customer experience right the fastest. Being customer obsessed is what will help companies deliver innovative customer experiences and win business.
22 Feb 2017
Can the next generation of coal power be banked?
Andrew Cornell | Past Managing Editor, bluenotes
The Australia government has flagged an expansion of the mandate of its so-called ‘green bank’ to allow investment in clean-coal technologies – at the same time as the banking regulator delivered its most detailed comments to date on how banks should think about climate change.
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.
09 Dec 2016
VIDEO: keep pace with consumers or die
Kath Bray | Managing Director Customer Engagement, Australia Retail, ANZ
Services providers need to keep pace with continuingly advancing technology and developing consumer trends if they are to survive, according to a leading voice in Australia point-of-sale technology.
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.
02 Dec 2016
VIDEO: MasterChef Calombaris on tech, customers & what matters in business
Phoebe O'Sullivan | BlueNotes contributing editor
Modern technology gives business the freedom to focus on what really matters: the customer experience, successful entrepreneur and chef George Calombaris says.
30 Nov 2016
Is the broker of the future a machine?
Cosi De Angelis | Head of Transaction Banking, 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.
22 Nov 2016
See-through clothing: the dawn of price transparency
James Stewart | Partner and retail practice leader, Ferrier Hodgson
Digital-first and socially responsible retailers are driving a shift in customers’ expectations based on price and product-sourcing transparency.
22 Nov 2016
Digital inclusion - age, a new stage and getting on the same page
Liz Maguire | Head of Digital Channels & Transactions New Zealand, ANZ
Someone asked me the other day whether millennial customers are driving ANZ’s new digital product design.
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 | Managing Director Suncorp Integration, 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.
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.
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.
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.
06 Sep 2016
VIDEO: what’s next for wearables? Nobody knows
Felicia Trewin | Head of Strategy & Business Optimisation, ANZ
Successful venture capitalist Brad Feld has no idea where wearable tech will go in the future and genuinely does not care. To him, what is more interesting is how tech develops - and it’s rarely in the linear manner everyone likes to think.
29 Aug 2016
VIDEO: Knowledge has no rank
Sue-Ellen Atherton | BlueNotes contributing editor
In the new world of knowledge sharing in business, old-style cascading models of information distribution don’t work. Instead, successful organisations create a collaborative mindset and instill a responsibility to share among all employees – from the C-suite to the ground floor.
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.
19 Aug 2016
Hatching new SME concepts in Beijing
Guy Thompson | BlueNotes contributing editor
The Hatchery is a start-up incubator with a difference. Based in Beijing, the founders have taken their experience with restaurants and pop-up concept stores and created an incubator space where local and international restaurant entrepreneurs can test their menus.
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
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.
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.
21 Jul 2016
Banking vs Tech: the collaboration economy
Renee Whitford | BlueNotes contributing editor
'Ecosystems are the new black' in the corporate world, according to two of Australia’s most senior banking and technology executives. More and more companies are collaborating to achieve growth in the digital marketplace rather than competing outside their natural base.
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.
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).
12 Jul 2016
VCs: No need to be pitch perfect with your start-up
Gabrielle Mitchell | bluenotes contributor
What makes venture capitalists (VCs) see great potential in a start-up? Is there such a thing as the perfect pitch? And what does the innovation boom mean for small businesses?
12 Jul 2016
Nine out of ten people will do the right thing (and click this story)
Andrew Cornell | Past Managing Editor, bluenotes
How do you convince fiscal miscreants to pay their taxes on time? Simply tell them everyone else is doing it, it turns out. Behavioural economics does the rest for you.
28 Jun 2016
The Asia-Pacific’s growing silver mine
Zilla Efrat | Freelance journalist
The Asia-Pacific is growing old. Fast. But it is also a ‘silver mine’ worth prospecting by a wide range of companies.
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.
14 Jun 2016
VIDEO: go customer centric or go home
Francesca Rizzo | BlueNotes contributing editor
Innovation around technology is changing marketplaces but innovation around business models is what will make companies stand out.
26 May 2016
New ways to get the most out of 140 characters
Francesca Rizzo | BlueNotes contributing editor
Twitter has rolled out a number of changes to the way the social media platform works. According to experts, the changes are an attempt to get more people to use the service.
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.
24 May 2016
BlueNotes Debate: how do you teach innovation?
Louise Halliwell | Director Public Policy & Regulatory Affairs, PWC
Australia’s budding innovation culture has to start from somewhere. Do our education practices give it a chance?
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.
19 May 2016
How innovation for accessibility can help everyone
Darren Baird & Steve Price | Head of Customer Experience & Senior Manager Everyday Banking, ANZ
Many businesses approach acceptance of people with disability as a means to develop a community connection, but the true business case for tackling discrimination is more straightforward. People with a disability are consumers, investors and employees and by addressing barriers a business can increase its market for customers and employees.
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.
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?
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.
11 May 2016
Three ways to maximise the value of big data
David Bowie | Managing Director, SAS Australia and New Zealand
We read all the time about digital disruption and while we have a sense of what it means there is a tendency to think of it as applying only to cool start-ups. But it is also happening in established organisations and across every industry sector.
11 May 2016
Why STEM needs more than pink lego and 'girl power'
Carina Parisella | Innovation & Technology Editor, bluenotes
Few would argue against more young girls studying STEM (Science, Technology, Engineering and Mathematics) subjects. Statistics show employment in the sector is dominated by men at all levels, from education to boardrooms.
09 May 2016
How to create a design-led culture at your business
Bronwyn van der Merwe | Fjord Director Australia, Accenture Interactive
Rapid technological change and digital disruption have increased the pace of changing customer expectations so much they have become liquid - a rising tide of expectations drawn from your customer’s very best experiences across all industries.
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”.
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.
06 May 2016
The boom within a boom: Chinese cross-border e-commerce
Casey Hall | Former Asian editor, WSJ, NT, CNN
China’s consumer economy is booming. So too, despite the well-publicised restrictions on content and channels, is the online economy. Now add ‘foreign goods’ to the fuel because cross border e-commerce is a boom within a boom – to the extent the government has just introduced some new controls on commerce.
05 May 2016
Is buying start-ups the only way big companies can innovate?
Jemma Enright & Mark Hand | Co-founder, MoneyBrilliant & Managing Director Corporate & Commercial Banking, ANZ
In an age of disruption, can big companies ever really innovate? Or does the culture of incumbency run too deep? And how can they survive if they won’t?
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.
02 May 2016
The NPP, fraud and spies (vs spies)
Shane White | Content Manager, Institutional, ANZ
For as long as humans have used payment systems there has been fraud. IBM Director of Counter Fraud Management Constantin von Altrock says the two sides are likely to fight each other forever - like Antonio Prohias’ Spy vs Spy. But there are steps the sector can take to mitigate the damage.
28 Apr 2016
ANZ to offer Apple Pay as digital disruption accelerates
Andrew Cornell | Past Managing Editor, bluenotes
ANZ will become the first major bank in Australia to offer Apple Pay services in the latest significant development in the Australian payments sector.
27 Apr 2016
Funding a sustainable future – debt but not as we know it
Mara Bun | Company director, consultant & moderator, Tallebudgera Valley
Climate impacts are testing the liveability of our cities. But how will we fund urban resilience measures when governments are strapped for cash and individual businesses struggle to invest in solutions to broad risks?
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.
06 Apr 2016
Innovation isn’t just about technology
David Brookes | Managing Director, Social Traders
The Australian government’s newly rolled out innovation and science agenda represents positive political leadership in creating an Australia which values new ideas, business and technology. But it’s wrong to assume innovation is limited to, or synonymous with, fancy new tech.
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.
23 Mar 2016
The growing green bond opportunity in Australia
Katharine Tapley & Catherine Bremner | Head of Sustainable Finance Solutions & Former Head of Sustainable Finance Solutions, ANZ
This story is an edited version of a workshop delivered by Katharine and Catherine at the ANZ Global Capital Markets Corporate Debt Conference in 2016.
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'.
22 Mar 2016
Which fintechs are DeLoreans and which are Toyotas?
Andrew Cornell | Past Managing Editor, bluenotes
Henry Ford, founder of the eponymous global car brand, famously dismissed market research with the observation “if I had asked people what they wanted, they would have said faster horses".
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.
17 Mar 2016
INFOGRAPHIC: three steps to the perfect presentation
Paul Edwards | Manager Operations Strategy, ANZ
Sitting through a bad PowerPoint presentation can be a tough experience for all involved. BlueNotes received a great response to Paul Edwards' recent piece showing how to rethink your approach to presentations, kicking off a great conversation in the comments and on social media.
15 Mar 2016
Innovation can come from anywhere
Phoebe O'Sullivan | BlueNotes contributing editor
Innovation can come from anywhere in large organisations and it doesn't always have to be the top, according to former Proctor & Gamble chief information officer Filippo Passerini.
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.
11 Mar 2016
Is teamwork bad for your career?
Kath Walters | Content marketing consultant and freelance journalist
There's a fine line between being a 'giver' at work and being a doormat, as Adam Grant explains in his book Give and Take. Whatever side of the line your actions fall makes a big difference to your career prospects.
10 Mar 2016
Six productivity lessons from South Park
Guy Thompson | BlueNotes contributing editor
The subversive American cartoon show South Park debuted in 1997 - it's nearly 20. As opposed to its stars who are perennially nine-year olds.
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.
16 Feb 2016
BlueNotes debate: the innovation injection
Andrew Cornell | Past Managing Editor, bluenotes
Australia has the fourth-biggest pool of pension savings in the world and now a government which recognises innovation as critical to economic well-being. But the question then becomes: how can we ensure these funds are used to support Australian innovation in a way that supports both industry and super balances?
08 Feb 2016
How we can make the internet a safer place for all
Steve Glynn & Adam Cartwright | Former Global Head of Information Security & Head of Cyber Security Operations, ANZ
Right now, you're online. You're not alone - according to the United Nations agency for information and communication technologies more than three billion people now regularly use the internet.
25 Jan 2016
Are payments nearing a tapping point?
Faraaz Ali | Head of Retail Banking Asia, ANZ
In his book The Tipping Point author Malcolm Gladwell provides insights into how trends are sparked and take hold. How what's not becomes what's hot; the case for something going viral; the cause of what some would call a 'WhatsApp moment'.
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.
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.
23 Dec 2015
Five ways banking of the future will really differ
Peter Dalton | Managing Director Design & Development, ANZx
As digital technologies continue to reshape financial services, the question of how banks will operate in the future is a hot topic - but, like all crystal ball gazing, it's terribly difficult to get right. There are so many outlets making predictions these days it's inevitable a lot will be off the mark.
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.
04 Dec 2015
The danger of BaU in the age of innovation
Sreeram Iyer | Chief Operating Officer - Institutional, ANZ
How often have you heard a new starter in a workplace ask: “Why are you doing that this way? This is madness!”?
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.
02 Dec 2015
Three must-ask innovation questions for business
Peter Dalton | Managing Director Design & Development, ANZx
Modern corporate innovation is about delivering new and unique solutions people love, improving customer lives and creating lasting value. It's about applying new ideas and technology to increase quality, value, wealth and standards for customers.
30 Nov 2015
The new kind of Kiwi home
Sophie Speer | BlueNotes contributing editor
Mike Greer is a man on a mission to solve Auckland's housing affordability crisis. To do that, the director of Mike Greer Homes is building a lot of houses – thousands of them across the country – and he's doing it in an innovative and revolutionary way.
28 Oct 2015
Six trends shaking up transaction banking
Carole Berndt | Former Head of Global Transaction Banking, ANZ
SIBOS, the Swift International Banking Operations Seminar, one of the largest annual conference and networking events for the financial industry has recently wrapped in Singapore, the first time the event has been held in Asia for six years.
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.
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.
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.
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
Australia urgently needs innovation
Kristin Stubbins & Chris Dodd |
Innovation has the power to drive economic growth, create wealth and lift employment in Australia, as it has done in the past and is currently doing for countries like the United States, China, Germany and New Zealand.
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
How to make the most of your unicorn moments
Fred Schebesta | Co-founder and Director, finder.com.au
We've all watched from the sidelines as other companies receive massive attention for their public reaction to newsworthy events, with some gaining huge social followings or new business growth as a result.
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.
30 Jul 2015
Why business cards have survived against all odds
James Rose | Freelance journalist, Newsmodo
Recently three of Steve Jobs' old business cards were sold for $US10,500. Ironically this happened as Apple spearheads a push towards the use of e-cards which could effectively make hard-copy business cards obsolete.
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.
24 Jul 2015
How the new Silk Road will bring the world closer together
Will Rathvon | Former Global Head of Resources, Energy and Infrastructure, ANZ
In late June a historic event occurred in the world of international diplomacy and infrastructure finance that aims to help satisfy the burgeoning need for Asian infrastructure growth.
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).
16 Jul 2015
How the digitisation of trade finance is rocking the boat for banks
Hari Janakiraman | Head of Core Trade, ANZ
Innovation is changing the face of banking, from online retail transactions to million-dollar iron ore deals.
15 Jul 2015
Australia's budding green bonds
Oliver Yates | CEO, Clean Energy Finance Corporation
Australian energy is slowly going green. More than 30 new renewable energy plants will begin operating across Australia within the next five years and Australia's fast-growing green bond market – and thousands of superannuants – are likely to be behind the investment helping to build this new capacity.
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.
29 Jun 2015
Making the leap to Asia
Andrea Clarke | Independent video producer
Making the leap to Asia is a dream for many small-to-medium Australian businesses. The opportunity on offer in the growing region is huge and companies like One Life. Live It are meeting the challenge.
25 Jun 2015
Digital customers need more than just digital
Stephen Karpin | Group Country Manager, Visa
Consumers, on average, unlock their mobile phone 110 times a day. You're likely to check your phone before you finish reading this article – if you're not already reading it on your mobile.
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.
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.
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.
04 May 2015
The RBA must put a price on innovation
Andrew Cornell | Past Managing Editor, bluenotes
As giants like Apple and Google and China Union Pay, along with literally thousands of would-be disruptors, try to upend the global payments system, it may seem slightly anachronistic the Reserve Bank of Australia still has its focus on interchange fees – an agenda kicked off well over a decade ago when Apple still just made computers and Google was barely a verb.
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.
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.
17 Apr 2015
The Mass Affluent: still desirable, still on the market
Maxim Sharshun | Former Engagement Manager, PwC Strategy
They are large, profitable and resilient. They hold a disproportionate share of the country's wealth and represent a substantial share of personal banking profits. Yet Australian banks can't seem to figure them out.
15 Apr 2015
A Note from the BlueNotes Publisher...
Paul Edwards | Manager Operations Strategy, ANZ
We have been publishing BlueNotes for a year and it has been an extraordinary venture. But not just for us here at BlueNotes, more broadly in the world of communications – of all hues.
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.
07 Apr 2015
Madonna, Sir Alex Ferguson and my mother: tales of reinvention
Tareq Muhmood | CEO Korea & Managing Director Global Subsidiaries, ANZ
One of the most fascinating features I find about a person or a business is the ability to stay relevant as the world around keeps changing, sometimes drastically.
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.
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.