21 Jun 2018
Preparing for the talent crunch
Andrew Lafontaine |
New data suggests the future talent deficit will impact many regions and industries. What must be done to future-proof business?
Business Finance
19 Jun 2018
Putting the H in HCD
Melissa Currie | Visual Production Editor, bluenotes
It’s easy to fixate on features and functionality but ultimately consumers will judge your product on how it serves them.
14 Jun 2018
What’s up, brew?
Briar McCormack | New Zealand editor
The home of New Zealand’s rock-star hops was hit by two tropical cyclones this year. Does this signal a sour note for beer drinkers?
13 Jun 2018
LONGREAD: greener pastures in NZ
Briar McCormack | New Zealand editor
Can New Zealand retain its clean green reputation and maintain a successful dairy industry?
12 Jun 2018
The shifting perspectives on risk
Tim Dring | Oceania Banking & Capital Markets leader, EY
Strong third-party risk strategies are an important part of building a competitive advantage in financial services.
06 Jun 2018
The digital sun is rising in south east Asia
Donna Webster | Director of Capability Development, Asialink Business
The digital economy is transforming every aspect of social and business life in ASEAN regions.
04 Jun 2018
Australian banks can lead world on sustainability
Andrew Cornell | Managing Editor bluenotes
BoM’s Dr Karl Braganza says Australian financial services currently lag Europe in understanding, application of sustainability.
04 Jun 2018
The hardest part of going agile
Alicia Aitken & Greg Szopa | bluenotes contributors
Agile ways of working is a hot topic at the moment but organisations must be wary of the hurdles.
30 May 2018
The reforms SA business owners need
Alan Read | SA Corporate Agriculture Director, ANZ
We chat with a panel of experts on the impact of South Australia’s state budget on business conditions in the region.
28 May 2018
The new capital landscape for NZ agri
Mark Hiddleston | Managing Director Commercial & Agri ANZ NZ
Where will the much-needed investment in NZ agri come from? Here are four potential sources.
24 May 2018
For SME scams, the best defence is defence
Guy Mendelson | General Manager, Small Business Banking at ANZ
Australian incidents of business email compromise increased by 230 per cent between 2016 and 2017.
22 May 2018
How boomers are changing the landscape for small NZ towns
Briar McCormack | New Zealand editor
A retirement village in the centre of a small town could be a blueprint for boosting regional NZ.
21 May 2018
Trust and the senior executive
Donald Alexander | Senior Lecturer, Charles Sturt University
Research shows trust in CEOs is getting better. It needs to. How can they keep the momentum going?
21 May 2018
What’s holding beef back?
Jason Taylor | Regional Executive, Central Queensland, ANZ
ANZ’s Mark Bennett shares trade themes from the ground in Beef Week.
18 May 2018
Privacy, personalisation and the right to be forgotten
Andrew Cornell | Managing Editor bluenotes
Society is on high alert when it comes to personal data use, so how can organisations better play by the rules?
16 May 2018
Bank results: what lurks beneath?
Andrew Cornell | Managing Editor bluenotes
Results were solid – but stepping back from the headlines, the outlook for the sector is tough.
11 May 2018
How artificial and actual intelligence are changing the game
Maryann Jamieson | Domain Lead, Business Automation & Integration, ANZ
AI and automation are rapidly altering the workforce so do businesses still need a human touch?
10 May 2018
For beef, some good news in uncertain times
Mark Bennett | Head of Aus Agribusiness, ANZ
Moves by China to restrict US exports could ultimately benefit Australia.
03 May 2018
Buxton: the art of giving
Peter Wilmoth | Feature writer
Art not just for art’s sake but for education and philanthropy – a property expert turns his eye to art and purpose.
30 Apr 2018
Peak milk?
Con Williams | Rural Economist NZ, ANZ
Stable cow numbers and performance improvements should see an increase in milk production in 2018-19.
30 Apr 2018
Who’s who in the entrepreneurial zoo?
Jessica Mudditt | Freelance Journalist
Gorillas, gazelles, unicorns and cheetahs: why does discussing business growth feel like a trip to the zoo?
27 Apr 2018
Businesses are in a tech war: Bloomberg chair
Shayne Elliott | Chief Executive Officer, ANZ
Demand for improved customer experience means companies are at war for tech capability, says Bloomberg’s Chairman.
26 Apr 2018
It’s not a digital transformation without a cultural transformation
Sam Stewart | Partner Financial Services, Boston Consulting Group
As companies become more digital, they need to be mindful their culture matches their ambition.
24 Apr 2018
Q&A: Elliott on the choice to shape the future
Carina Parisella | Innovation editor
ANZ CEO chats to bluenotes about the origin of ANZ’s purpose and the leadership role of business in the community.
23 Apr 2018
Gate to plate in New Zealand
Briar McCormack | New Zealand editor
Booming tourism and a healthy local market are challenging the NZ hospitality sector.
23 Apr 2018
NZ's robot overlords have other priorities
Miles Workman | NZ economist, ANZ
Will the rise of AI and machine learning considerably change the economic landscape in NZ?
18 Apr 2018
The curious case of funding costs
Andrew Cornell | Managing Editor bluenotes
Recent stability in funding costs for banks has been jolted - and no one’s completely sure why.
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.
13 Apr 2018
Australian exports: ripe for picking
Leanne Giles | Brand performance expert, ANZ
Demand for Australian wine exports is getting better with age, according to Zonzo Estate.
13 Apr 2018
Australia's global marketplaces
Jason Aravanis | Senior Industry Analyst, IBISWorld
Australian companies are increasingly looking to international markets for revenue.
11 Apr 2018
Conscious consumption: Kiwis heat up the food scene
Briar McCormack | New Zealand editor
Producing food for health-conscious consumers who want - rather than need - to eat is changing the face of the NZ food.
11 Apr 2018
People’s banks historically not good for people
Andrew Cornell | Managing Editor bluenotes
There are dangers in governments entering the private sector on the promise of a better deal.
04 Apr 2018
The future of agtech is connected – and sustainable
Madeline Swan | Associate Director, Agri Research Australia, ANZ
Agtech makes farming more sustainable. We speak to growers on the ground about how technology is changing practices.
04 Apr 2018
Green, grouse and growing
Katharine Tapley | Head of Sustainable Finance Solutions, ANZ
Macroeconomic trends are driving investors and issuers towards a sustainable future.
29 Mar 2018
Put out your Green Bins
Stuart McKinnon | Head of Institutional Relationships NZ, ANZ
Foreign direct investment in New Zealand is helping keep the streets cleaner and greener.
28 Mar 2018
Everyone wants a slice of China
Ben Barrett | QLD Director, Corporate Agribiz and Emerging Corporate, ANZ
Market access in China is the first step towards export opportunities for Australian agribiz.
28 Mar 2018
Keep KISSing in banking
Andrew Cornell | Managing Editor bluenotes
Banks are caught in a new kind of race - who can become more efficient, more quickly?
20 Mar 2018
Asia’s middle class set to drive Australia’s export success
Isaac Rankin | GM Business Banking, ANZ
Asia’s middle class is an even bigger opportunity for Australian exporters than expected.
16 Mar 2018
Plum opportunities ahead for horticulture
Mark Bennett | Head of Aus Agribusiness, ANZ
Australian fruit and nut exports to China increased by 500 per cent in the past four years.
15 Mar 2018
When DevOps talks, you’d better do what it says
Matt Nicol | bluenotes contributor
We speak to experts in the operational style winning helping businesses in sectors as diverse as railway, social media and banking.
28 Feb 2018
CEOs must set the tone to lead cultural change
Isaac Rankin | GM Business Banking, ANZ
Two experts share insights into building winning business cultures.
26 Feb 2018
PODCAST: Alibaba, the sleeping giant of retail
Jo Masters | Senior Economist, ANZ
While Australian retailers are bracing their windows for the Amazon storm, Alibaba is walking freely through the door.
23 Feb 2018
Go with your gut: chef McConnell
Andrew Cornell | Managing Editor bluenotes
Restaurateur says there’s not always a guide book for operating a business.
22 Feb 2018
Six lessons learned in human centred design
Peter Dalton | Customer Experience Lead, ANZ
What is “human centred design” and how do you use it to design a banking app?
20 Feb 2018
Top consumer trends in Asia’s emerging markets
Ivan Uzunov | Research Manager, Euromonitor International
Asia’s emerging markets are experiencing rapid urbanisation – which is good news for retailers.
20 Feb 2018
How to get in (and out) of small business
Gabrielle Mitchell | bluenotes contributor
We share six tips for crafting a roadmap to business success – and six tips on getting out.
15 Feb 2018
Asia’s $A110bn emerging opportunity
Jan Bellens | Global Emerging Markets Leader, EY
Tech advances in emerging markets are opening up a significant growth opportunity for banks.
15 Feb 2018
LONGREAD: boomerang execs come back around
Jessica Mudditt | Freelance Journalist
Will returning executives become the next C-suite trend? There are reasons markets like Australia have never embraced the idea.
14 Feb 2018
Competition and/or stability in banking?
Andrew Cornell | Managing Editor bluenotes
The challenge for policymakers is to ensure disruption benefits the economy and doesn’t break it.
12 Feb 2018
How to keep a customer
Nigel Bowen | Freelance journalist
Winning a customer is hard. Keeping them is harder. Here are seven ways to do so.
08 Feb 2018
Six retail trends for 2018
Gabrielle Mitchell | bluenotes contributor
Omnichannel is back. People still want to touch an item before they buy it.
07 Feb 2018
When sharper credit's too sharp
Andrew Cornell | Managing Editor bluenotes
Well-intentioned but comprehensive credit reporting comes with risks for everyone. How do we handle it with care?
05 Feb 2018
Ice cream of the crop
Briar McCormack | New Zealand editor
We chat to two entrepreneurs looking to bring a new ice age to NZ.
05 Feb 2018
The idea exchange
Jemma Wight | Production Editor, bluenotes
On podcast, we discuss the mutual benefits of corporations partnering with academia.
02 Feb 2018
Mehra: getting back to basics on brand
Janak Rogers | Host, The ANZ Way podcast
ANZ’s GM group marketing talks through the thinking behind the bank’s ‘get on top’ push.
01 Feb 2018
Groundhog Day (and being a better leader)
Mike Irving | Performance coach
Research shows business coaching delivers tangible benefits to individuals and businesses.
31 Jan 2018
Digital and the power of mockery
Andrew Cornell | Managing Editor bluenotes
Is the ideal model for financial services in the future a bionic bank?
30 Jan 2018
PODCAST: a wombat, post-it notes and a 16 million person survey
Jemma Wight | Production Editor, bluenotes
We talk to the lead of the Australian Marriage Law Postal Survey about how being agile helped deliver a ‘yes’ vote in 99 days.
29 Jan 2018
Kiwifruit envy
Briar McCormack | New Zealand editor
The success story for NZ kiwifruit is remarkable – and ongoing. We speak to a grower about what’s next.
25 Jan 2018
Football’s cash derby
Steve Worthington | Professor at Swinburne University
ManU and Man City are massive rivals on the field – but their business models shows divided ideologies off field too.
23 Jan 2018
NZ wine tourism ripe for the picking
Briar McCormack | New Zealand editor
NZ’s wine industry is going from strength to strength and tourism looms as the next big growth opportunity.
23 Jan 2018
SMEs: go digital and grow
Gary Parkin | SA State Head Small Business Banking, ANZ
We hear from an SME saving 22 hours a week in administrative tasks since turning to cloud-based digital platforms.
19 Jan 2018
blueprints: game, set, match – the Australian Open
Thomas Hounslow | bluenotes contributor
How much do doubles players earn compared with singles players at the Australian Open?
16 Jan 2018
Two must-read observations on NZ foreign investment
Con Williams | Rural Economist NZ, ANZ
The debate on the pros and cons that foreign investment provides for some of NZ’s key sectors is set to intensify in 2018.
15 Jan 2018
Hot desks go cold: rethinking open offices
Dominique Lyone | Managing Director at COS Working Spaces
Why the open-plan office sometimes doesn’t work - and what can be done about it.
12 Jan 2018
blueprints: booming movies
Thomas Hounslow | bluenotes contributor
It’s summer, it’s movie time so which flick is the greatest of all time? We have the figures to show you.
10 Jan 2018
Fintechs no longer revolting
Andrew Cornell | Managing Editor bluenotes
Once upon a time, fintech meant revolution – but it’s now part of the financial mainstream.
09 Jan 2018
Why social enterprise could be the next boom
Tom Cropper | Freelance Social Enterprise Journalist
Social enterprises in New Zealand and Australia are proving you can make money and do good at the same time.
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?
05 Jan 2018
Restoring, rationalising and reinventing risk
Doug Nixon & Will De Vere Gould | Financial Services Partner & Director, EY Australia
There’s a fundamental shift underway in the way banks manage risk. Where will it all lead?
04 Jan 2018
You’re already in the business of technology
Sylvia Pennington | Small Business & Personal Finance Journalist
Futurist Chris Riddell offers insights on the technological future of business, trust and the customer.
03 Jan 2018
Your best of 2017
Jemma Wight | Production Editor, bluenotes
As we start a new year, enjoy – or re-enjoy – a selection of your favourite pieces from 2017.
19 Dec 2017
The craft: new frontiers for Australian micro-brewing
Shane White | Senior production editor, bluenotes
With Australia covered, craft beer producers are looking offshore for their next round – and Asia has a thirst for the product.
18 Dec 2017
China strategy: focus on the niches
Xiaoguang Huang | CEO Greater China, ANZ
As we come to the end of 2017, we look at ANZ’s future strategy in China.
15 Dec 2017
blueprints: paying for Christmas
Thomas Hounslow | bluenotes contributor
Going deeper into credit-card debt seems to be a common Australian Christmas tradition.
15 Dec 2017
A new kind of mental health support
Gerard Kerr | Head of Life Insurance, Wealth, ANZ
Insurance has an opportunity to improve by considering how it can support mental illness beyond merely honouring policies.
14 Dec 2017
Mindset: the final piece of the success puzzle
Guy Mendelson | General Manager, Small Business Banking at ANZ
Australian businesses have the means and capability to change the way they do business – but do they have they mindset?
11 Dec 2017
The new order for NZ food
Briar McCormack | New Zealand editor
A new generation of consumers is changing the game when it comes to food – not just what we’re buying but how we’re buying it.
11 Dec 2017
Six tips for SMEs to thrive this Xmas
Gabrielle Mitchell | bluenotes contributor
We share expert advice on how they get the most out of this make-or-break time of year.
08 Dec 2017
Aussie agritourism, cubed
Simone Stella | bluenotes contributor
Visitor numbers continue to grow in winery regions – and one business is moving to take advantage.
07 Dec 2017
APIs, the secret sauce of the future for SMEs
Guy Mendelson | General Manager, Small Business Banking at ANZ
SMEs with advanced levels of digital engagement are 50 per cent more likely to grow revenue.
05 Dec 2017
Xmas ‘17: ho ho or ho hum for retail?
Mike Ebstein | Director, MWE Consulting
We look at what the data says about the upcoming peak retail season.
01 Dec 2017
blueprints: more than child’s play
Thomas Hounslow | bluenotes contributor
Almost 95 per cent of Australian and New Zealand homes play video games. Still think it’s just for kids?
01 Dec 2017
Six tips on family business (from award-winning family businesses)
Gareth Arbuthnot | State Manager Business Banking Vic/Tas, ANZ
We speak to owner/operators of two family businesses about what makes them successful.
30 Nov 2017
Banks realise climate change is a banking issue
Paul Orton | Head - Project & Export Finance, Institutional Banking at ANZ
Former BoE exec says banks are finally coming around.
29 Nov 2017
Biz must embrace diversity or fail
Carina Parisella | Innovation editor
In order to be successful, businesses need to drive more innovation – and that’s a by-product of diverse workplaces, MYOB CEO says.
27 Nov 2017
bluenotes’ Cornell recognised with award
Jemma Wight | Production Editor, bluenotes
Managing editor highly commended in StateStreet Institutional Press Awards.
24 Nov 2017
REWIND: financial literacy is a right for all
Roslyn Russell & Michelle Commandeur | Principal Research Fellow, RMIT University & Head of Financial Inclusion, ANZ
Two experts in financial literacy chat about the importance of access to financial education for society’s most vulnerable.
21 Nov 2017
The formula that could help techs beat banks – and what banks can do
Janak Rogers | Host, The ANZ Way podcast
Competition in finservices is going to ramp up over the next five years, ANZ digital boss says – but not from within the industry.
20 Nov 2017
VIDEO: taking stock on cattle prices
Simone Stella | bluenotes contributor
See insights from key ANZ experts on beef, grains and more in our commodities outlook.
20 Nov 2017
The sky is falling, aisle six
Mark Ganz | Director Client Insights, ANZ
Will the ‘Amazon effect’ destroy the Australian retail sector?
16 Nov 2017
Economic, green demands are a single package
Paul Goodwin | MD Institutional, ANZ NZ
Infrastructure and the environment are the key to shaping our future and cannot be considered in isolation.
13 Nov 2017
Get back to basics on brand: Howcroft
Leane Mason | Senior Relationship Manager – Specialty Retail, ANZ
Ad guru says businesses need to ensure diversity in marketing spend and avoid the seduction of digital.
10 Nov 2017
The danger of information overload at work
Alicia Aitken & Greg Szopa | bluenotes contributors
Good stories can help mitigate social risk in workplaces in times of tremendous change.
10 Nov 2017
Community & CX in Chinatown, one floor at a time
Shane White | Senior production editor, bluenotes
ANZ’s Peter Cai takes us on a tour of the bank's Chinatown branch, a cultural centre completely designed around customers and the community.
09 Nov 2017
Tech-led change is not about the tech: Carnegie
Janak Rogers | Host, The ANZ Way podcast
Tech tools are far less important than leadership mindset when it comes to business change, ANZ digital boss says.
09 Nov 2017
Banking in time of war
James Wilson | History editor
In World War One employees from an ANZ predecessor bank volunteered at a higher rate than the general population.
08 Nov 2017
The KISS principle in banking
Andrew Cornell | Managing Editor bluenotes
The underlying current of simplification in banking is easy to overlook and underestimate.
08 Nov 2017
Is the NZ lawyer of the future a robot?
Briar McCormack | New Zealand editor
AI and technology are going to fundamentally change the legal sector in the future. How do law firms hire with this in mind?
06 Nov 2017
Corporate reporting – it’s time to tell the whole story
Anna Stewart | Head of Corporate Sustainability, ANZ
For modern businesses, stakeholders want to know more than the numbers.
06 Nov 2017
NPS: the next step in CX
Peter Dalton | Customer Experience Lead, ANZ
NPS is a complete system and one which can be tailored and enhanced for individual companies.
01 Nov 2017
Diversity makes money
Andrew Cornell | Managing Editor bluenotes
Big investors back diversity and sustainability – and they’re right to, results suggest.
30 Oct 2017
Q&A: change, customers and killing cash
Shane White | Senior production editor, bluenotes
Visa’s Jack Forestell and ANZ’s Tony Maughan talk about tech, leadership and agility.
25 Oct 2017
The consumer inertia in banking
Andrew Cornell | Managing Editor bluenotes
If the financial services market is so competitive, why don’t consumers move around?
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?
19 Oct 2017
Want change to succeed? Learn what to forget
Alicia Aitken & Greg Szopa | bluenotes contributors
Atlassian R&D head Dom Price shares the secret to staying relevant within businesses experiencing rapid transformation.
10 Oct 2017
Clean, green & on screen: the modern cattle station
Simone Stella | bluenotes contributor
Keeping up with – and taking advantage of - changes in tech can be just as valuable as innovating.
10 Oct 2017
Attracting cyber talent crucial: Connick
Erica Hardinge | Head of Security Enablement, ANZ
ANZ CISO talks on video and podcast about the skills shortage in cybersecurity – and the risks if the issue isn’t solved.
06 Oct 2017
How culture connects Kiwi biz to history
Briar McCormack | New Zealand editor
With New Zealand’s Asian population set to double in the next 25 years, embracing cultural traditions are an important part of business.
04 Oct 2017
Regulators vow to be more cultured
Andrew Cornell | Managing Editor bluenotes
Culture’s hard to create – and maintain – but shouldn’t be written off as unmanagable.
03 Oct 2017
Bringing assurance back to insurance
Alexis George | Deputy Chief Executive Officer & Group Executive Wealth Australia, ANZ
Australia’s insurance sector is suffering from a combination of public mistrust and the need for more-affordable, accessible cover.
03 Oct 2017
REALas, start-ups and learning to talk corporate
Andrew Cornell | Managing Editor bluenotes
ANZ has acquired property pricing startup REALas – we speak to the founder on podcast and video.
02 Oct 2017
The next steps for Kiwisaver
Craig Mulholland | Managing Director of Wealth at ANZ Investments NZ
A survey shows a majority of New Zealanders support making their national savings initiative, KiwiSaver, compulsory.
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.
26 Sep 2017
A winery to Asia: the Brown Brothers story
Simone Stella | bluenotes contributor
From grapes in the King Value to wine in Shenzen, Asia customers want an experience.
21 Sep 2017
SMEs: social is where your customers are
Guy Mendelson | General Manager, Small Business Banking at ANZ
In an increasingly competitive SME space reaching customers is more important than ever. Social media is an opportunity – if done correctly.
21 Sep 2017
Big data, big opportunity for SMEs
Briar McCormack | New Zealand editor
Once a tool strictly for high street, big data SMEs are making use of the opportunities big data presents.
21 Sep 2017
Seven steps to smooth CEO switches for start-ups
Tony Rossano | Senior client partner and head of Global Technology Markets Practice at Korn Ferry Asia Pacific
CEO succession in start-ups is markedly different from anywhere else.
19 Sep 2017
Banking on climate change
Andrew Cornell | Managing Editor bluenotes
There is another front - beyond politics and risk - for would-be financiers in the energy debate.
19 Sep 2017
Oh what a feeling, agile working
Andrew Cornell | 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.
19 Sep 2017
WA zooms in on Asia
Kathleen Jahour | Head of Regional Business Banking WA, ANZ
Budget initiatives could help to fuel renewed economic prosperity in WA’s regional areas.
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.
15 Sep 2017
blueprints: anatomy of a disaster
Thomas Hounslow | bluenotes contributor
Explore our interactive infographic to discover the financial and psychological burdens of natural disasters.
07 Sep 2017
Unlocking the growth potential of Australia’s medium-sized businesses
Tania Motton | ANZ General Manager, Business Banking Australia
Australia’s medium-sized businesses are shrinking in number but their potential is enormous.
07 Sep 2017
Can Aus afford to be choosers on foreign investment?
Mark Bennett | Head of Aus Agribusiness, ANZ
Resistance to foreign investment in agriculture Australia risks costing the country on the global stage, expert suggests.
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
Big food goes off
Dr David McKinna | Principal, agrifood consultancy McKINNA et al
Big brands have long dominated the food industry but the time of the smaller, premium, specialist brand is arriving.
01 Sep 2017
blueprints: behind mahogany doors
Thomas Hounslow | bluenotes contributor
PwC’s latest CEO Survey offers insights into not just what the world’s business leaders think but how those views are changing.
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
Smorgon: the key to successful family succession
Brendan Rinaldi | State Director, Corporate Agribusiness & Emerging Corporate for Victoria & Tasmania at ANZ
Only open and honest communication will work when it comes to succession in family business, PwC exec says.
29 Aug 2017
Fintech, cyber risk & solutions
Kevin Nixon & James Nunn-Price | Partners, risk advisory at Deloitte
Regulators are increasingly concerned about the impact of cyberattacks on the financial services sector.
25 Aug 2017
blueprints: tweets, texts & Tumblr
Thomas Hounslow | bluenotes contributor
The digital lifestyle of Australian consumers has changed dramatically and business best pay attention.
23 Aug 2017
Does size matter when it comes to culture?
Andrew Cornell | Managing Editor bluenotes
Banks face challenges in communication and culture – and earnings - which come simply from being too big and complex.
22 Aug 2017
Data and the key to success
Andrew Cornell | Managing Editor bluenotes
How businesses actually use their data – rather than accrue it – will determine their success in the modern marketplace.
21 Aug 2017
Here’s cheers for NZ craft beer
Briar McCormack | New Zealand editor
More than just great beer; business smarts are key to capturing consumers in New Zealand’s craft-beer market.
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.
14 Aug 2017
From farm to fridge, give or take 8000km
Guy Thompson | BlueNotes contributing editor
Bulla CEO Alan Hood talks to bluenotes about milking the opportunities for Australian dairy in Asia.
11 Aug 2017
blueprints: from Pies to Patriots
Thomas Hounslow | bluenotes contributor
The world’s 50 most-valuable sporting clubs are in a league of their own compared to teams in Australia.
09 Aug 2017
Road transport: changed conditions ahead
Timothy Suffield | Associate Director, IIB, ANZ
Trucking needs $A3.5 billion in new capital over the next five years. Where will it come from?
08 Aug 2017
VIDEO: the agtech revolution starts with people
Simone Stella | bluenotes contributor
Agriculture faces a generational opportunity as the next wave of farmers come from a deeper technological background.
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.
26 Jul 2017
Ripped off or not?
Andrew Cornell | Managing Editor bluenotes
The debate around credit card surcharges has raised its head again in the wake of a ruling in Britain.
24 Jul 2017
The accumulative benefits of agtech
Reina Webster-Iti | bluenotes contributor
Modern technology saves time and energy on the farm – and leads to better outcomes.
21 Jul 2017
Alibaba, fintech & techfin
Steve Worthington | Professor at Swinburne University
Move over financial services and fintechs – techfins are here to eat your lunch.
20 Jul 2017
How to get millennials involved in their future
Erin Truscott | Adviser & shareholder at GCA Financial Pty Ltd
Research suggests millennials aren’t engaged with financial advice – but there are ways the profession can help.
19 Jul 2017
Identity theft: stopping a digital zombie apocalypse
Andrew Cornell | Managing Editor bluenotes
Hordes of fake identities are being created for the purpose of illegally obtaining credit.
17 Jul 2017
Is Australia’s tech infrastructure letting farmers down?
Sarah Lang | Regional Executive, ANZ
Aus agri must increase productivity and efficiency - and technology can play a major role.
17 Jul 2017
Super: the great Australian apathy
Alexis George | Deputy Chief Executive Officer & Group Executive Wealth Australia, ANZ
More than half of all Australians significantly underestimate how much superannuation they’ll need for independence.
12 Jul 2017
The new, old, new work paradigm
Andrew Cornell | Managing Editor bluenotes
Rarely has there been a greater business focus on the need to fundamentally transform – and banks are at the epicentre.
11 Jul 2017
The tech tidal wave building for NZ agri
Briar McCormack | New Zealand editor
Producers should expect more tech-driven change around traceability, food quality, animal welfare and environmental issues.
11 Jul 2017
PODCAST: is India the next big thing?
Leon Gettler | Veteran and highly regarded management journalist
On the cusp of regulatory change India – the world’s largest democracy – offers immense investment opportunity.
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.
07 Jul 2017
Aus agtech: fast, nimble & taking on the world
Isaac Rankin | GM Business Banking, ANZ
The nature of Australian agricultural technology gives players the ability to take on the world.
05 Jul 2017
The GFC: When will it end?
Andrew Cornell | Managing Editor bluenotes
A decade after the financial crisis, have we learned anything? It’s a crisis which keeps on taking.
04 Jul 2017
Setting up your SME for the new FY
Tania Motton | ANZ General Manager, Business Banking Australia
Tax time doesn’t have to be a struggle for SMEs. Here are six tips for setting up for FY18 success.
03 Jul 2017
Sprouting through gaps in the market
Reina Webster-Iti | bluenotes contributor
For Kathryn Fleming, the success of her start-up stems from perseverance.
30 Jun 2017
Q&A: BoE’s Carney on the role of business on climate
Francine Lacqua | Bloomberg
FSB chair chats to Bloomberg about climate and financial stability ahead of G-20 meeting.
27 Jun 2017
Success on the hop in NZ
Briar McCormack | New Zealand editor
The craft beer explosion has led to a renaissance for its key ingredient – and those who produce it.
22 Jun 2017
Positive signs for China’s onshore financial market
Khoon Goh | Head of Asia Research, ANZ
Positive signs for China’s onshore financial market should incentivise Chinese regulators to further improve its regulatory transparency and oversight.
20 Jun 2017
The gilded outlook for gold
Daniel Hynes | Senior Commodity Strategist, ANZ
Asia’s emerging economy means good news for prospectors in the gold market.
20 Jun 2017
Podcast: Drones for good
David Lewis | Australian business professional and founder of The Mentor List
Catherine Ball argues drone technology is underutilised In the Mentor List’s latest podcast.
20 Jun 2017
Work needed to fulfil agtech promise in Aus
Simone Stella | bluenotes contributor
Infrastructure needed to support AgTech has the potential to provide huge cost and efficiency savings.
20 Jun 2017
NZ agri: there’s an app for that
Con Williams | Rural Economist NZ, ANZ
A technology tsunami is upon the primary sectors. What are the apps which will help?
19 Jun 2017
Malicious software demands your attention
Lynwen Connick | CISO, ANZ
With the dust settled around WannaCry, what are the lessons for businesses?
16 Jun 2017
VIDEO: Japan’s maturing premium market
Simone Stella | bluenotes contributor
Australian agriculture’s prospects are only growing in Japan, ANZ’s Grant Knuckey says.
15 Jun 2017
Microbiz looks to growth
Tim Honcoop | Account Director at DBM Consultants
Microbusinesses are less concerned with industry conditions compared with their larger counterparts.
08 Jun 2017
Agtech: not just another buzzword
Mark Bennett | Head of Aus Agribusiness, ANZ
On-farm technology will play a major role in helping Australian farmers reach higher levels of productivity - and profit.
07 Jun 2017
Banking industry: time to swot
Andrew Cornell | Managing Editor bluenotes
It’s lonely at the top. Banks need to learn from their mistakes.
06 Jun 2017
PODCAST: volatile times for M&A in APAC
Leon Gettler | Veteran and highly regarded management journalist
Experts discuss implications of geopolitical uncertainty and merger activity.
18 May 2017
Financial crime's dynamic duo: AUSTRAC & industry
Guy Boyd | Head of Financial Crime, ANZ
We speak to AUSTRAC CEO Paul Jevtovic on the relationship between regulators and the private industry.
15 May 2017
How to capture the millennial market: go bush
Adele Fiene | Regional Executive, ANZ
For businesses in regional Australia, learning how to capture China’s expanding middle class is a ticket to success.
11 May 2017
Budget2017: certainty for SMEs
Gabrielle Mitchell | bluenotes contributor
Kate Gibson speaks on video about the impact of the federal budget on small businesses.
10 May 2017
Budget2017: carrots, sticks and steel
David Plank | Head of Australian Economics at ANZ
The Australian Commonwealth Budget maintains a projected return to surplus in 2020-21. This infographic spells out the details.
10 May 2017
VIDEO: the key to Budget2017
Richard Yetsenga | ANZ chief economist
The Australian Government has attempted an ambitious budget tonight and should be welcomed.
10 May 2017
ESG transparency crucial for biz: Elliott
Andrew Cornell | Managing Editor bluenotes
ANZ has a responsibility to be transparent about its impacts, CEO says.
02 May 2017
ANZ overhauls its organisational approach to improve customer experience
Andrew Cornell | Managing Editor bluenotes
ANZ is shaking up its management style in a move CEO Shayne Elliott hopes will improve the way the bank responds to customer needs, empower staff and improve productivity.
27 Apr 2017
Bridging the gap for rural healthcare
Cindy Arthur | Head of Health, Regional Business Banking, at ANZ
As chronic disease grows and Australians continue to age, access to quality healthcare and the services provided by GPs - including specialists - becomes increasingly critical.
27 Apr 2017
How to make it big in Asia (from someone big in Asia)
Jane Cooper | BlueNotes contributing editor
No-added-sugar chocolate, Superfoods and Cancer Council sunscreen are among the products of Vitality Brands Group, an Australian company founded by James Wright (CEO) and Richard Meyrick in 2003.
21 Apr 2017
Internal fraud: don’t be surprised, be prepared
Greg Scott | Senior Governance Manager, ANZ NZ
Be shocked. But don’t be surprised by the discovery an employee is stealing from your business.
20 Apr 2017
Pressures and promise for banking in APAC
Andrew Cornell | Managing Editor bluenotes
Judging by the headlines of McKinsey & Co’s latest Asia-Pacific Banking Review, it’s becoming less attractive to bank in the region as an era when this part of the world was the most fertile for growth loses vigour.
20 Apr 2017
Asia-Pacific Perspective: fool’s gold in India?
Tony Walker | Author and Former Editor
In the Australia-India trading partnership much that glitters is fool’s gold.
20 Apr 2017
ON THE COUCH: Elliott on business’ most important resource
Andrew Cornell | Managing Editor bluenotes
If you’re trying to work out the source of a problem in your business – no matter what the size – it’s worth taking a closer look at your people, ANZ CEO Shayne Elliott says.
12 Apr 2017
Bank of England: Do as I say, not as I do
Andrew Cornell | Managing Editor bluenotes
For a central banker, Andy Haldane is a Shakespearean fool – not that he’s foolish, in fact exactly the opposite. Under the guise of speeches with titles like The Dog and the Frisbee he cuts through the pomp of the regulatory court with incisive and often irreverent – and sometimes perplexing – wit.
06 Apr 2017
Is China’s impossible miracle possible?
Jason Qi | Director in Client Insights and Solutions at ANZ
According to the old wisdom, 2017, the Year of the Rooster on the Chinese horoscope, suggests we can expect to see miracles emerge from seemingly impossible situations.
03 Apr 2017
How India is bouncing (cash)back
Sanjeev Bajaj | CEO ANZ India
Demonetisation has been the buzzword of India since the bulk of the country’s cash was removed from the economy at short notice. For many it was a shock to the system, with their economic lives grinding to a halt as the cash shortage disrupted their ability to pay, and also be paid.
31 Mar 2017
Five key habits of growing SMEs
Tania Motton | ANZ General Manager, Business Banking Australia
Small businesses are not just the lifeblood of growth in Australia and most economies, delivering true innovation and higher employment, their experiences can offer lessons for businesses of all sizes.
30 Mar 2017
VIDEO: three big themes for capital markets in 2017
Darren Thomson | bluenotes contributor
A demand for increased duration, diversification and the rise of Asian liquidity are the biggest factors facing Australia’s capital markets sector as we head into the middle of 2017, according to the co-heads of capital markets at ANZ.
28 Mar 2017
You can trust Trust is on the regulatory agenda
Andrew Cornell | Managing Editor bluenotes
Lest anyone think the apparently newly found interest by banks and boards in trust and social licence is purely marketing rather than a recognition of its fundamental importance, they can be reassured banking regulators are deadly earnest.
27 Mar 2017
Taxing times for Australia, Indonesia and the world
Mark Lawson | Retired senior journalist
The challenge of companies and individuals shuffling income and assets between jurisdictions - a major issue in the ASEAN region - has come to the fore in both Australia and Indonesia.
21 Mar 2017
Harvest time for NZ forestry
Con Williams | Rural Economist NZ, ANZ
New Zealand’s forestry sector is experiencing a period of strong returns fuelled by a combination of steady Chinese demand, restrictions in export markets on native-forest harvesting, low shipping costs, a local building boom and a supportive NZ dollar.
21 Mar 2017
Social issues are shareholder issues
Andrew Cornell | Managing Editor bluenotes
There’s been polarised reaction in some quarters of Australia to a letter signed by 30 major business figures in support of marriage equality.
17 Mar 2017
INFOGRAPHIC: what banks will do next
Tim Dring | Oceania Banking & Capital Markets leader, EY
It’s an uncertain time for business around the world and banks are no exception. Profitability has been squeezed as global economic growth weakens and political uncertainty reigns. But uncertainty cannot be an excuse for inaction.
06 Mar 2017
What makes a city great?
Jean-Paul Pelosi | Freelance journalist
The world is preoccupied with rating the city. From the towering skyscrapers of New York to Tokyo’s colourful neon and Melbourne's amiable public spaces, it seems there’s a way to grade every aspect of the modern metropolis.
28 Feb 2017
Who turned out the lights on Australia’s energy certainty?
Craig Shortus | Head of Utilities & Infrastructure, ANZ
February’s heatwave in eastern Australia raised more questions about the country’s energy mix and stability. South Australia’s (SA) power system spent more than 30 minutes in an insecure operating state, leaving more than 90,000 residents without power as temperatures reached 42 Celsius.
28 Feb 2017
When BAU is the enemy
Lara Douglas | Senior Manager Risk Measurement, ANZ
Outside of my day job at ANZ I mentor university students completing their Business Practicum Projects at Melbourne University.
28 Feb 2017
It’s banking, Jim – but not as we know it
Andrew Cornell | Managing Editor bluenotes
Trust is the word of the moment in banking: can customers trust banks? Can society? But banking has always been fundamentally a trust business: when neither borrowers nor lenders know one another well enough, they trust a bank to act as an intermediary.
21 Feb 2017
What ever happened to the Christmas spending spike?
Mike Ebstein | Director, MWE Consulting
Australian retailers and merchants in general used to rely on a significant lift in turnover from November to December.
08 Feb 2017
Trump: an easier life for banks?
Andrew Cornell | Managing Editor bluenotes
Bank stocks in the US – and particularly investment banks – rallied sharply in early February as US President Donald Trump indicated he would push ahead with unwinding some regulation brought in after the financial crisis.
02 Feb 2017
What's behind the Bank of Japan's Jedi mind trick? Less than nothing?
Andrew Cornell | Managing Editor bluenotes
Japan's startling move to negative interest rates over the weekend again focusses attention on the limitations of monetary policy in combating an economic downturn.
30 Jan 2017
From the back of a garage to the top of NZ retail
Angela Barnett | BlueNotes contributing editor
When Shijin (Sking) Zeng, founder of one of Auckland’s largest online shops iFurniture, decided to move to New Zealand he dreamed of setting up his own business.
24 Jan 2017
LONGREAD: Is 2017 the end of banking?
Alex Kewley | Director, Client Insights & Solutions, ANZ
It makes for great clickbait but 2017 will not be the 'end of banking'. It will, however, be another year of significant transformation.
24 Jan 2017
What the end of the TPP means (for Australia and the world)
Tony Walker | Author and Former Editor
If Australian policymakers had any doubt a Donald Trump presidency in the US would represent a disruption to business-as-usual in the White House that will have been dispelled by one of his first executive acts.
23 Jan 2017
The secret ingredient to hospitality success
Michelle Duff | Contributing editor, BlueNotes
Success in hospitality is hard, but the right kind of approach can return a hearty serving of returns.
19 Jan 2017
How to get the best value out of business travel
Darrin Grafton | CEO, Serko
If you own or manage a small business there's a good chance you travel - and it's quite possible you travel a lot. But how do you make sure you're getting real value for your travel spend and how do you make your travel budget go further?
17 Jan 2017
INFOGRAPHIC: How you spent Christmas 2016
Kath Bray | Customer Engagement Lead, ANZ
The holiday period has always been about relaxing and spending time with family, but is increasingly becoming more about one thing: spending.
12 Jan 2017
Five keys to succeeding in the new China
Nick Henderson | Director, Asialink Business’ China Practice
Building strong relationships and being adaptable are vital for anyone hoping to break into China’s ever-changing business environment. But it’s easy to dismiss these features as abstract and intangible.
10 Jan 2017
Deadly Ponies making luxury handbags in NZ
Michelle Duff | Contributing editor, BlueNotes
Liam Bowden, who began luxury fashion brand Deadly Ponies while studying at university, has never been a stranger to hard work. By the age of 14, the entrepreneurial Aucklander was holding down three jobs in merchandising and sales, a trend that would continue into his adult life.
09 Jan 2017
No end in sight to risk pressures on banks
Doug Nixon | EY Oceania Financial Services Partner
There is no doubt the banking industry, both locally and globally, has made considerable inroads when it comes to improving its ability to manage risks since the global financial crisis.
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.
16 Dec 2016
Maserati, lobster and a window into China
Simone Stella | bluenotes contributor
What do a Maserati and a lobster have in common? They’re often red? Luxurious? Pricey?
13 Dec 2016
The new crop of NZ cropping success
Angela Barnett | BlueNotes contributing editor
A Taihape farm in the heart of sheep and beef country is an unusual place to start cultivating and harvesting a 4000-year-old grain. But that’s exactly what Dan and Jacqui Cottrell started doing on the family farm.
13 Dec 2016
Phi, Friedman and the purpose of business
Andrew Cornell | Managing Editor bluenotes
Trust, purpose, social licence, corporate responsibility - no matter which business or political forum you attend, these themes are likely to be aired, if not formally then in discussions before and after.
12 Dec 2016
A new paradigm of synthetic food
Con Williams | Rural Economist NZ, ANZ
Technological disruption comes for all in the end and a new wave has appeared on the horizon for the food and beverage sector. It’s synthetic food which is promising to completely transform the production of food – even though there is a way to go.
08 Dec 2016
Five ways to lead a business in the 21st century
Tim Nelson | Managing Director, Korn Ferry Hay Group
Our workplaces are being disrupted at an unprecedented pace and keeping on top of trends is a non-negotiable part of 21st century management for leaders.
07 Dec 2016
The benefits of being good
Andrew Cornell | Managing Editor bluenotes
Come the end-of-year festive break and the attention of senior bank executives, particularly in finance and compliance, shifts to the Swiss town of Basel and its population of regulatory gnomes who in recent years have delivered surprise presents at this time.
05 Dec 2016
Black swans, fat tails and running out of cash
Shailesh Venkatesh | Associate Director, Global Products, ANZ
The shocks of the US election, the Brexit vote – even India’s decision to eliminate high-value currency notes – are all stark reminders companies should prepare for the unexpected.
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.
14 Nov 2016
Luck of the lobster in NZ
Sophie Speer | BlueNotes contributing editor
Koura, also known as crayfish or rock lobster, is big business for Ngati Kahungunu. For the past decade, Kahungunu has leased its crayfish quota to Fiordland Lobster Company, the largest and most-profitable live lobster export company in Australasia.
10 Nov 2016
Staying aloft: culture vs policy
Rob Molyneux & Mark Linter | Group General Manager Risk Metrics & Risk Control and Policy Specialist, ANZ
Airlines are naturally and understandably risk averse but this doesn’t translate to more complicated risk frameworks and processes. Their approach is simpler than that. Are there lessons for banks?
09 Nov 2016
Aus bank results: lots of paddling below the water line against strong currents.
Andrew Cornell | Managing Editor bluenotes
The headline outcomes from the latest major bank profit reporting season (picking up Commonwealth Bank’s June year) were stark:
02 Nov 2016
Kiwis milking the tourism boom (as well as cows)
Sharon Zollner | Chief Economist New Zealand, ANZ
For some time now New Zealand has ridden on the Friesian’s back as the country’s dairy industry helped the nation prosper. Now, for the first time in over five years, tourism has taken back the mantle as the country’s biggest export sector.
26 Oct 2016
Is Australia ripe for shareholder activism?
Jeremy Leibler | Partner, Arnold Bloch Leibler
Shareholder activism exists in Australia but targets, particularly successful ones, are not often large. The relatively low public awareness of such activism is probably best explained by the finding 85 per cent of companies targeted by activists since 2013 had a market capitalisation of less than $A331 million.
18 Oct 2016
Keeping payments accessible for all
Kath Bray & Steve Price | Managing Director Products & Senior Manager Everyday Banking, ANZ
The pace of change in the rapidly evolving payments space is news to no one. As the world moves closer to becoming cashless and disruptors offer an increasingly wide number of payment options, the old ways of buying are losing relevance.
18 Oct 2016
Is the South Australian blackout a wake-up call for renewables?
Dr Tim Nelson | Head of Economics, Policy and Sustainability, AGL & Adjunct Associate Professor, Griffith University
There has been much discussion about why South Australia experienced a state-wide blackout during massive storms in September. Despite the rhetoric, it is too early to definitively talk about ‘causes’ given the complex nature of the electricity system.
18 Oct 2016
A women’s revolution of doing
Grace Lever | Entrepreneur & Winner, 2016 Telstra Women's Business Award
Entrepreneurs in Australia are twice as likely to be male than female. The number of female business founders is increasing but women are still underrepresented.
18 Oct 2016
The procedural challenges in managing reputation risk
Andrew Cornell | Managing Editor bluenotes
There is little doubt much has been done on the risk and regulation front since the financial crisis of 2008. Nor is there any lack of debate about how effective the measures have been. The to-and-fro over capital, ‘too-big-to-fail’, acceptable profits, culture and remuneration continue.
17 Oct 2016
What agribiz needs to learn from mining
Kerryl Bradshaw | WA Branch Manager, Advisian
Whether the percentage of foreign ownership revealed in the Register of Foreign Ownership of Agricultural Land is too high or too low depends on your point of view. Emotions run high around land ownership – inevitably, it evokes primal food security concerns.
13 Oct 2016
Are banks still relevant?
Rob Colwell | Banking Customer Leader, EY Oceania
Banks have traditionally played an important part in people’s lives. But it’s clear the financial services landscape is changing rapidly, with customers able to access an ever-increasing number of alternative options to manage their financial needs.
06 Oct 2016
Five tips for SMEs to prepare for the peak retail season
Kate Gibson | General Manager Small Business Banking Australia, ANZ
With consumer spending, consumer confidence and business confidence all increasing in Australia, the stage is set for a profitable period for small to medium enterprises over the peak-retail festive season.
27 Sep 2016
Is responsible mining the answer to the commodities downturn?
Dr Sara Bice | Professor, University Melbourne School of Government
Mining giant BHP Billiton announced the largest loss in its history in August. The $US6.4 billion decline came on the back of declining commodity prices, falling Chinese demand for iron ore and $US2.2 billion in after-tax costs. The financial figures are alarming.
27 Sep 2016
From mutton to lamb: the outlook to 2040
Mark Bennett | Head of Aus Agribusiness, ANZ
It would be an understatement to say the Australian sheep industry has been through some tough times since the 1990s. Today, the sector is back on its feet and times ahead look even better, with a new report forecasting a surge in demand for lamb over the coming decades.
20 Sep 2016
The differing outlooks for NZ agriculture
Con Williams | Rural Economist NZ, ANZ
The diverging outlook across key agricultural sectors in New Zealand is expected to continue as a variety of conflicting forces shape the outlook. As the 2017 fiscal year heats up there will be challenges and opportunities across the agri scene.
13 Sep 2016
In vino veritas (and profits) in NZ
Con Williams | Rural Economist NZ, ANZ
Is there further upside for New Zealand’s booming wine sector? The answer is yes. An export industry which has experienced strong growth in recent years, NZ viticulture has played an important role in providing a new source of grow for the country’s agribusiness sector.
09 Sep 2016
The growth challenge and potential of regional Australia
Christine Linden | General Manager, Regional Business Banking, ANZ Australia
The economic, demographic and environmental challenges in regional Australia are real but so too are the opportunities. The strengths in regional communities and businesses provide the foundation to unlocking their growth potential.
06 Sep 2016
The cost of misconduct
Andrew Cornell | Managing Editor bluenotes
The G20’s deliberations over the weekend demonstrated the financial crisis is not over some eight years later. Global growth is fragile, monetary policy fraught, trade barriers are growing not falling (for example, in the year up to the latest confab, G20 governments imposed 350 new measures discriminating against foreign commercial interests, almost four times the number in 2009).
05 Sep 2016
How Asia is responding to the green challenge
Benjamin McCarron | Managing Director, Asia Research and Engagement
Momentum is growing in Asia behind regulations and initiatives to tackle the growing global problem of climate change. The last few years has seen a number of major domestic initiatives to encourage more sustainable approaches to green finance across Asia.
05 Sep 2016
Class is in: the future of collective action
Jenny Campbell & Belinda Thompson | Partners, Allens
Class actions have featured frequently in the press in recent years, often with a theme of a developing crisis for Australian business.
02 Sep 2016
LONGREAD: How banks really work
Harrison Young | Banker, company director & novelist
My great grandfather was a banker in Brookings, South Dakota – a town built around a rail junction deep in farm country. His name was John David Wilson but everyone called him ‘JD’.
31 Aug 2016
Where really is the value in ‘services’?
Robyn Haydon | Author and consultant
Services are the building blocks of getting things done. They're part of making products; making buildings, bridges and rockets to Mars; and of making lives better in the community.
30 Aug 2016
Can you trust the future of banking?
Andrew Cornell | Managing Editor bluenotes
What finally sees off an ageing, ailing business model is not always the most obvious threat. In journalism, for example, the end of print newspapers may not come just because Facebook or the iPhone are now what is read on trains.
26 Aug 2016
UNDERBELLY
Rod Clement | Walkley Award-winning cartoonist
Award-winning Illustrator Rod Clement shares his uniquely quirky take on the corporate world. This week: #winterofdiscontent.
25 Aug 2016
Keep your non-polyester shirt on: the strong outlook for cotton
Mark Bennett | Head of Aus Agribusiness, ANZ
Like the shirt on a farmer’s back, the cotton industry is tight. It’s an industry with its act together, with collaboration and connections all the way from industry leadership to the integration of production, ginning and marketing.
23 Aug 2016
The shadows are lengthening in the financial sector
Andrew Cornell | Managing Editor bluenotes
The global financial crisis is still with us. Its onset was unpredicted, its ramifications unpredictable. But at its heart was what otherwise discredited former American Secretary of Defense Donald Rumsfeld termed “unknown unknowns”.
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.
19 Aug 2016
CEOs, le Tour de France and the success of marginal gains
Tania Motton | ANZ General Manager, Business Banking Australia
Every little bit counts. This theory applies in business as much as it does in sport. And it’s one helping the CEOs of small-to-medium companies grow their businesses one step at a time.
16 Aug 2016
Something’s brewing in NZ’s craft beer market
Pete Barnao & Linda Townshend | BlueNotes contributing editors
The first-time Beervana pilgrim gazed around the concourse apprehensively then voiced what many were surely thinking: “Where do I start?”
11 Aug 2016
IN PICTURES: One family, one farm and 150 years
Sarah-Jane Bashford & Marise Hurley | BlueNotes contributing editors
It’s a rare and remarkable thing - a farming family who can claim a century on their farm thanks to an ancestor who also played a major role in developing what is now New Zealand’s largest bank.
11 Aug 2016
Is long-term sustainable value a reality or myth?
John McFarlane | Chairman, Barclays Bank & TheCityUk
Shareholders are meant to focus on creating long-term value but is this possible in an environment which measures returns daily and where analyst reports focus on this and next year’s outcomes? Similarly, public companies aim to deliver superior medium-term results but are measured quarterly.
09 Aug 2016
Is there a limit to the battle between borrowers and depositors?
Andrew Cornell | Managing Editor bluenotes
As interest rates fall around the world to historic, even negative, levels, both public and technical debates are alive about the implications for banks.
08 Aug 2016
VIDEO: Needless secrecy and the joint fight against corruption
Shane White | Senior production editor, bluenotes
Australia must lift its game in the fight against corruption. The nation needs faster and more-visible law enforcement, increased disclosure and continued cooperation between business and anti-fraud groups.
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.
05 Aug 2016
Five things big businesses could learn from their smaller counterparts
Keren Roberts | General Manager Shared Services New Zealand, ANZ
Small businesses are vital to all economies, providing unique products and experiences for customers whether in big-city alleyways, corner stores or regional communities.
05 Aug 2016
UNDERBELLY
Rod Clement | Walkley Award-winning cartoonist
Award-winning Illustrator Rod Clement shares his uniquely quirky take on the corporate world. This week: close encounters.
02 Aug 2016
Our future: data in Australia
Dr Martin Joy | Senior Manager Public Policy, ANZ
Data sits at the core of banking. From customer insights to risk management, it helps banks understand what customers want and how they can meet demand effectively. Further, customers can benefit from access to data concerning them.
25 Jul 2016
VIDEO: SMEs understand purpose better than big biz
Carina Parisella | Innovation editor
Smaller organisations are faster and more successful at identifying the core purpose of their business compared with larger counterparts, according to one of Australia’s leading executive coaches.
25 Jul 2016
Two burglaries, two engineering students and one competition
Julia de Blaauw | BlueNotes contributing editor
Not many people can say their business took flight after their house was burgled. But that’s how ‘The Hatch’ was born, says University of Canterbury Engineering graduate and Wireless Guard CEO Taylor Howatson.
14 Jul 2016
Three key ingredients in growing the food bowl
Stuart Hancock | Head of Regional Business Banking NSW, ANZ
Australia's innovation and productivity in agriculture already leads the world in many aspects. But how do we better commercialise this expertise and transform agriculture into a major export industry for the country?
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 | 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.
05 Jul 2016
Bank investment with Clint Eastwood
Andrew Cornell | Managing Editor bluenotes
No doubt it’s familiar to all but in the climactic showdown in Sergio Leone’s epic Western The Good, The Bad and The Ugly the three protagonists confront one another. A classic stand-off, in a cemetery no less, beloved of game theorists, the winner getting the money and the losers ending up, well, six-feetunder.
01 Jul 2016
How your business should react to Brexit
Frank Castiglia | Partner, Baker & McKenzie
Brexit will have significant implications for businesses in the UK and the EU – but also for businesses in countries, such as Australia with trade or investment arrangements in both regions.
29 Jun 2016
Brexit may be good for Australian farmers
Mark Bennett | Head of Aus Agribusiness, ANZ
Brexit has a long way to run but from an Australian agricultural perspective there’s cause for some optimism alongside the strong case for caution – while we wait for the prevailing volatility to dissipate in favour of a truer political and economic picture.
28 Jun 2016
Who should take responsibility for our savings?
Tareq Muhmood | CEO Korea & Managing Director Global Subsidiaries, ANZ
Ever since the financial crisis in 2008, I have been troubled by elements of the banking industry and the ongoing debates around 'too big to fail' and moral hazard. The cost of the bailout continues to hang over the economy and impact broader society.
27 Jun 2016
Australian lamb: back on the sheep’s back?
Andrew Roseby | Agribusiness regional executive, ANZ
In the 1950s, Australia’s prolific global reputation as a world-class wool producer united a country and we rode on the sheep’s back into post-war economic prosperity.
27 Jun 2016
Only 20% of CEOs have a clear plan to grow their business
Mark Hand | Managing Director Corporate & Commercial Banking, ANZ
Sustainable growth is the goal of almost all of Australia’s small and medium businesses. Simple in theory. But hard in practice.
08 Jun 2016
Who is really responsible for compliance?
Mark Evans | Managing Director Transaction Banking, ANZ
“Compliance is good for business,” former ANZ chief executive Mike Smith told me when I took the role of chief compliance officer at the bank back in 2013.
06 Jun 2016
Why clients come first in financial advice
Kylie George | Former financial adviser, Harvest Wealth
Financial advice is often seen as a complex thing but in many ways it is quite simple. In my view, if advisers put clients at the centre of everything we do, we will never go wrong.
02 Jun 2016
Getting the balance right on compliance
Paul Edwards | Manager Operations Strategy, ANZ
Compliance. Is there any other word which can raise the hackles of workers so quickly? Take a straw poll of colleagues and you’ll find compliance issues are among the most common workplace gripes.
30 May 2016
Do taxpayers subsidise the banks?
Andrew Cornell | Managing Editor bluenotes
That ratings agencies like Standard & Poor’s build an ‘implicit government guarantee’ into their ratings of the major Australian banks is not a surprise. It’s long been the case.
25 May 2016
What has Basel meant for global risk?
Brad Carr | Director, Institute of International Finance
Since the financial crisis of 2008, global banking regulators based in Basel with the Financial Stability Board and Bank for International Settlements have worked on ways to improve the financial sector’s measurement of risk.
23 May 2016
The psychology of growing old (and paying for it)
Milena Malev | Senior Manager Business Model Design, ANZ
We don’t like to think about growing old. We like to think we can outrun the future, so we watch our diet and exercise to keep ourselves young and healthy. Thanks to modern medicine we now live longer than ever. Before we know it, the years we spend in retirement will match our time in the workforce. Imagine that!
20 May 2016
The short and long-term outlook for Australian dairy
Christine Linden | General Manager, Regional Business Banking, ANZ Australia
Agriculture has long been a critical sector in Australia both economically and socially, and its success has played a important role in the country’s prosperity. But farming can be a tough industry to be in, with cyclical market conditions creating forces difficult to endure.
10 May 2016
Have banks misjudged the credit cycle?
Andrew Cornell | Managing Editor bluenotes
Credit quality, unsurprisingly, was the major focus of investors and analysts with the Australian bank interim results and trading updates.
03 May 2016
Whelan: very tough conditions but refocus already showing results
Andrew Cornell | Managing Editor bluenotes
ANZ’s institutional business dragged back stronger earnings from other divisions in the bank but division boss Mark Whelan said the bank was already well advanced in reshaping the business with early returns promising.
03 May 2016
Core ANZ business remains strong; restructuring for sustainable earnings: Elliott
Andrew Cornell | Managing Editor bluenotes
ANZ chief executive Shayne Elliott says the bank is making some hard decisions to reposition itself for the future after posting a fall in interim cash earnings but he stressed the bank’s core businesses remain strong.
02 May 2016
Five tips for nailing your performance review
Anna Corr | Head of Research & Analysis Australia, ANZ
For some they are occasions for dread, while for others they are a chance to get recognition for a year of hard work. Wherever you sit, and even with the running debate on their place, performance reviews (PMRs) are an ingrained part of the culture of companies. They can shape your future at an organisation.
02 May 2016
You wouldn’t meet about it
Leo D'Angelo Fisher | Freelance journalist
Call someone during the day and there’s every chance you will be told they are in a meeting. Look around at work and almost certainly someone, a pile of papers under-arm, will be breathlessly rushing to their next meeting.
27 Apr 2016
The moving parts of Australian bank wholesale funding costs
Philip Bayley | Industry Fellow, Monash University
The cost of debt raised by Australian banks in wholesale funding markets has been steadily rising over the last 12 months but the trend has only achieved prominence since the beginning of 2016, particularly as banks have made some so-called ‘out-of-cycle’ rate.
21 Apr 2016
Greater confidence in banks helps everyone: Ohlsson
Andrew Cornell | Managing Editor bluenotes
The Australian Bankers’ Association has released a six-point action plan aimed at bolstering consumer confidence in banking, with a focus on protecting whistleblowers, strengthening customer-complaint processes and improving conduct.
19 Apr 2016
When banks lose the will to live
Andrew Cornell | Managing Editor bluenotes
Death is difficult to talk about. Even the quality media, which have long prided themselves on clarity and simple language, now regularly refer to “passing” rather than dying. There’re more euphemisms for dropping off the twig today than even Monty Python could cope with.
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.
21 Mar 2016
The mystery of the missing $A100 note
Steve Worthington | Professor at Swinburne University
According to some of the world's central bankers, 'big noting' describes more than just the boastfulness of some individuals. It's a global currency trend.
15 Mar 2016
How FTAs have made (and will continue to make) Australia stronger
Justin Brown | Acting Deputy Secretary, Department of Foreign Affairs and Trade
Australia's economy is the 12th largest in the world. Our economy is rated AAA by all three global rating agencies and, while the global economic outlook is uncertain, between 2016 and 2020, average annual real GDP growth is forecast at nearly 3 per cent.
03 Mar 2016
Investment pours into FDA across APAC
Rob Locke | Fraud Investigation & Dispute Services and Managing Partner, EY Oceania
It's literally every day a new data breach or cyber crime or regulatory order flashes across news screens and alerts. And boards are taking notice.
02 Mar 2016
The five meatiest grains themes for 2016
Mark Bennett | Head of Aus Agribusiness, ANZ
Australia's grains industry is fundamental to the agribusiness sector. Not only does it create value in its own right but supports revenue growth in domestic and export markets across Australian agribusiness.
01 Mar 2016
Start-ups: debt vs equity vs other (or of all of the above)
Kate Gibson | General Manager Small Business Banking Australia, ANZ
More than two thirds of Australia's start-ups believe they need funding to survive through 2016, according to the StartUp Muster Report 2015. Plenty of existing small businesses are also on the lookout.
29 Feb 2016
The times they are a-changing
Stefan Herrick | Senior Manager External Communications New Zealand, ANZ
Long dominated by big brands from Switzerland and Japan, the watch establishment is being challenged by a new type of competitor – one made possible by the internet.
22 Feb 2016
Is the iron ore rally a false dawn?
Clyde Russell & Paul Bartholomew | Asia Commodities and Energy Columnist, Thomson Reuters & Senior Managing Editor, Platts
Iron ore, such a significant part of the Asia's Pacific's economy, has rallied over 20 per cent since December lows. So has it really turned the corner? We present insights from two of the region's most-respected experts.
18 Feb 2016
Is new regulation a cash management trust bust?
Matthew Byrne | Associate Director Superannuation & Funds, ANZ
Cash management trusts (CMTs) have for decades been a stalwart of the Australian investment landscape. Offering better returns than bank balances, they still had the security of cash.
16 Feb 2016
What's wrong with banks?
Andrew Cornell | Managing Editor bluenotes
Bank shares, globally, have borne the brunt of the new year sell-off on equity markets. It's not good news and not just for those owning bank shares.
01 Feb 2016
Has cash done its dash?
Steve Worthington | Professor at Swinburne University
Decades after the paperless office was first mooted and financial institutions started to talk about the end of cash, both paper and hard currency are still with us.
27 Jan 2016
Bank funding: costs rising at the critical short end
Andrew Cornell | Managing Editor bluenotes
Market volatility, concerns about major economies and the flow on for credit quality have been pushing up market interest rates and the funding costs for the global banking sector.
27 Jan 2016
What big business can learn from startups
Matt Boss & Jane Martino | Former Managing Director Products and Marketing, ANZ & CEO, Shout for Good
Persistence, positivity and resilience are all successful attitudes big business can borrow from startups, along with jettisoning a fear of failure according to Jane Martino, Shout founder and head of ANZ Wealth division's social segment.
27 Jan 2016
Why more RMB looks Hong Kong bound
Chaw Ming Quek | Former Head of Transaction Banking Hong Kong, ANZ
The Chinese central bank's recent actions have sent a strong message to those looking to short sell the Chinese currency: don't.
19 Jan 2016
Simple corporate bonds: an insider's perspective
Sophie Wilson | Former Associate Director, Equity Capital Markets
Last year Australian Unity became the first Australian business to launch a bond under new federal government simple corporate bond (SCB) legislation introduced in September 2014, aimed at cutting red tape around raising debt.
19 Jan 2016
Fintech surges - to tiny shares
Andrew Cornell | Managing Editor bluenotes
Even as global equity markets have plumbed depths not seen since the financial crisis, investor appetite for start-ups, particularly in the financial technology – 'fintech' – space has remained near insatiable.
15 Jan 2016
The many reasons you should clean up your desk at work
Paul G Edwards | Publisher, BlueNotes
We know at BlueNotes – courtesy of our most-read story –the tie or no tie with business suit debate is a hostile one. But we've found another: desk management. Our publisher, Paul Edwards, was so stunned by the state of the desk of our managing editor, Andrew Cornell, he tweeted a pic of it.
15 Jan 2016
Long live the messy desk?
Leo D'Angelo Fisher | Freelance journalist
We know at BlueNotes – courtesy of our most-read story –the tie or no tie with business suit debate is a hostile one. But we've found another: desk management. Our publisher, Paul Edwards, was so stunned by the state of the desk of our managing editor, Andrew Cornell, he tweeted a pic of it.
13 Jan 2016
How lenders can win the main-bank war
Alan Shields | Managing Director, Research and Advisory, RFi
The fight over 'main-bank' customers is heating up as lenders try to eke out every possible advantage over their rivals. Now the battleground is clearer: statistics show if a bank can acquire and retain customers in their mid-20s and 30s it will undoubtedly win the main-bank war.
06 Jan 2016
How to prepare for succession in a family business
Mike Norfolk | Head of Private Banking Australia, ANZ
Spending a lifetime on a business, especially one you have established, built up and successfully run is an enormous achievement. It takes passion, commitment and resilience. So it is understandable when the time comes to step away it is a life-changing experience.
23 Dec 2015
Five ways banking of the future will really differ
Peter Dalton | Customer Experience Lead, ANZ
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.
15 Dec 2015
Banking in 2016 – Where are the risks?
Andrew Cornell | Managing Editor bluenotes
There aren't many bank stock bulls among global investors. Understandable given global growth is still limp, geopolitical risk high, regulation uncertain and disruption on everyone's mind.
09 Dec 2015
Smith: GFC helped ANZ in Asia
Ian Rogers | Editor, Banking Day
The global financial crisis, which placed enormous pressure on banks around the world, provided an opportunity for ANZ to expand its presence in Asia faster than departing CEO Mike Smith thought was possible at the time, he says.
09 Dec 2015
How risk at ANZ has changed: Mike Smith
Ian Rogers | Editor, Banking Day
Departing ANZ CEO Mike Smith says attitudes toward risk at ANZ have changed significantly in his time at the bank.
08 Dec 2015
Bank margins at the margin in Asia and Australia
Andrew Cornell | Managing Editor bluenotes
As a cadet finance reporter, every time I rang a broker about the stock market I had to steel myself for the wonderful insight “the market went up/down because there were more/less buyers than sellers”.
02 Dec 2015
Understanding Australia's risk culture – or lack thereof
Andrew Cornell | Managing Editor bluenotes
An enduring theme in corporate Australia, picked up by a new prime minister, is concern around a lack of innovation, often sheeted back to a lack of risk appetite.
30 Nov 2015
Profiting from trust
Andrew Cornell | Managing Editor bluenotes
Where are the big risks for banks in 2016? ANZ Lending Services, which deals closely with the insolvency and risk management sector, last week rounded up a dozen or so specialists and asked them this question.
27 Nov 2015
RMB reserves place among the elite
Daniel Everett | Global Head RMB Strategy & Execution, ANZ
It now appears inevitable China's currency the renminbi (RMB) will be included in the International Monetary Fund's (IMF) Special Drawing Rights (SDR) basket when the IMF Executive Board meets next week.
17 Nov 2015
How much will the kitchen sink your renovation budget?
Chris Kelly | Award winning artist
The cost of renovating a house spiked through 2015 as owners took advantage of a roaring market in order to lift the value of their home.
17 Nov 2015
The climate challenge of lending "over the horizon"
Andrew Cornell | Managing Editor bluenotes
Banks ignore their regulators at their peril. So when the boss of the Bank of England, who is also chair of the global Financial Stability Board, devotes a major speech to the financial implications of climate change, it's prudent to pay attention.
16 Nov 2015
Popping the payment fraud balloon
Lance Blockley | Managing Director Consulting, RFi Group
Payment fraud is a balloon: squeeze it in one place and it will pop out in another. This effect is readily seen in card payments. As lawmakers have attacked fraud at the physical point of sale fraudsters have moved to the historically less-secure online environment...
12 Nov 2015
Is surcharge rage justified?
Steve Worthington | Professor at Swinburne University
With more than 5,000 of the 6,500 final submissions to the Australian Financial System Inquiry (FSI) concentrating on the topic, it was no surprise the Australian Government announced in October it would examine excessive credit card surcharges.
10 Nov 2015
Full capacity at the regulation factories
Andrew Cornell | Managing Editor bluenotes
The global financial system regulators released a package of materials Monday night in the lead up to the forthcoming G20 summit in Turkey but it hardly allayed concerns the regulatory agenda was no closer to settling down.
04 Nov 2015
Are banks too profitable
Andrew Cornell | Managing Editor bluenotes
The Financial Times' highly respected Lex column has delivered a slap to (northern hemisphere) bank executives, telling them to stop making promises they never keep.
04 Nov 2015
Three massive trends reshaping the auto industry
Alex Kewley & Mark Cherry | Director Client Insights and Solutions & Head of Global Diversified Industries
The automotive industry is undergoing seismic change with fundamental shifts in the way people use vehicles, while Asia continues to grow as the leading market globally.
30 Oct 2015
The key to trade finance in Asia
Martin Smith | Head of Markets Analysis, East & Partners
The past is no guide to the future for Australian companies looking to succeed in lucrative Asian markets - particularly in building a sustainable competitive advantage. The expectations of Australian and Asian chief financial officers are actually quite different.
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.
27 Oct 2015
Cultivating risk
Andrew Cornell | Managing Editor bluenotes
The first law of thermodynamics is energy cannot be created or destroyed, just transformed from one state to another. That pretty much sums up the first law of risk as well.
22 Oct 2015
Reputation the next business battleground
Lee White | CEO, Chartered Accountants ANZ
Australia and New Zealand, once considered shining lights when it comes to corruption, are starting to dim.
22 Oct 2015
Who watches the cyber watchmen?
Bruce Hassall | CEO, PwC New Zealand
Leaps in technologies hold great promise for contending with seemingly intractable cyber threats. Yet the spotlight on technological advances can dim the focus on the roles, competencies and training of people—often an over looked although very effective defence. We're seeing this start to change.
20 Oct 2015
Leverage, risk, culture and Australian bank capital
Andrew Cornell | Managing Editor bluenotes
Westpac Banking Corp's decision to raise $A3.5 billion in new capital immediately raised investor questions about a new round of equity raisings even though the other three Australian majors had already raised comparable amounts.
12 Oct 2015
This Key may be hard to copy
Bernard Hickey | Publisher at Hive News
Everyone loves – and would love to copy – a winner.
07 Oct 2015
The future of capital in the age of regulation
Andrew Palmer & Kevin Wong | Head of FIG Australia & Director Client Insights & Solutions, ANZ
Investors, long term supporters of bank stocks because of their relative stability and dividend yields, are showing signs of wariness. Bank shares in Australia are off their peak by around a third. And underlying the anxiety are two main factors: concerns about the credit cycle and the ongoing demand for more regulatory capital.
07 Oct 2015
The role of banks as the climate changes
Christina Tonkin | Managing Director Loans & Specialised Finance, ANZ
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?