16 Aug 2017
Why should banks be digital?
Andrew Cornell |
Banks need to be digital, on that all agree. But what does that actually mean? Robots, AI, branches in phones?
Technology Innovation
14 Aug 2017
Biz must adapt to tech as a service: Florian
Andrew Cornell | Managing Editor bluenotes
ANZ tech GE says on video businesses must align with modern customer expectations.
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?
02 Aug 2017
Is fintech back (and did you know it had gone)?
Andrew Cornell | Managing Editor bluenotes
For some, the fintech boom never subsided - but it’s clear its momentum and nature have shifted.
28 Jul 2017
Real-time payment: busting the myths around PayID
Kate Sutherland | bluenotes contributor
New system supports easy-to-remember ID to safely direct or receive payments.
04 Jul 2017
Hello?
Peter Dalton | Group General Manager Innovation, ANZ
Far more than just a telephone, the iPhone has changed the world – and connected it – arguably more than any other device in recent history.
04 Jul 2017
How the mobile revolution changed jobs – and the world
Shane White | Senior production editor, bluenotes
Workers share their experiences of operating in a world with computers in their pockets.
27 Jun 2017
LONGREAD: should you fear the internet of things?
Drew Turney | Freelance journalist
The internet of things world is becoming all-pervasive. Who's going to make sure it's secure?
19 Jun 2017
Malicious software demands your attention
Lynwen Connick | CISO, ANZ
With the dust settled around WannaCry, what are the lessons for businesses?
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
Trusted intermediaries: banks vs FANGs
Andrew Cornell | Managing Editor bluenotes
Banking is essential to a modern economy but banks are not. Can FANGs fill the role?
14 Jun 2017
Q&A: payments, charity & loose change
Shane White | Senior production editor, bluenotes
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.
02 Jun 2017
A cashless utopia? Dream on!
Steve Worthington | Professor at Swinburne University
Although its share of usage continues to fall, cash will always play a part in our spending.
30 May 2017
As fintech comes of age, who is checking the children?
Andrew Cornell | Managing Editor bluenotes
Fintech isn’t breaking banks – but it’s big enough for regulators to start paying attention.
30 May 2017
Lost that gift card? $A4.5bn of them are online
Matt Hoggett | Co-Founder, Prezzee Pty Ltd
Will gift cards make the shift online? The virtual world could be an opportunity - not a threat.
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 | 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.
15 May 2017
How to capture the millennial market: go bush
Adele Fiene | Regional Executive, ANZ
For businesses in regional Australia, learning how to capture China’s expanding middle class is a ticket to success.
11 May 2017
The ten biggest Twitter themes of #Budget2017
Shane White | Senior production editor, bluenotes
Here’s what set the world of social alight on the night of the budget.
10 May 2017
Beyond Good and Evil: AI and market forces
Andrew Cornell | Managing Editor bluenotes
The artificial brain is growing but no matter how smart it becomes its power will depend on mere mortals and market forces.
08 May 2017
Six emerging trends from Silicon Valley
Denise Buckton | Senior Manager, Digital Tools at ANZ NZ
Fresh from San Fran, here are six key take-outs from a region known for incubating innovation.
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
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.
10 Apr 2017
Fairytales and the future: the digital battle for customers
Jane Grace | BlueNotes contributing editor
Businesses use digital technology to provide a faster and more-convenient service for their customers. And if they don’t, there is a whole breed of competitor who will do it for them.
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 contributing editor
DevOps is a portmanteau changing the way a lot of organisations do business.
29 Mar 2017
VIDEO: where real leadership happens
Andrew Cornell | 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 | 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.
20 Mar 2017
On jobs, AI and moving cheese
Alex Kewley | Director, Client Insights & Solutions, ANZ
Dr Spencer Johnson's simple but seminal book Who Moved My Cheese? compares one mouse moping about someone moving their cheese, to another venturing out and finding more. It is a fantastic metaphor for how we should behave in the face of change and uncertainty. (Although I admit there are a few people who have had an allergic reaction to the cheese metaphor…)
14 Mar 2017
All aboard fintech’s Trojan horse
Andrew Cornell | Managing Editor bluenotes
The US Federal Reserve has raised interest rates as expected but all eyes are on the future as a slightly disappointed market reflects on what happens next.
09 Mar 2017
Blockchain, transparency & trust
Tristan Chan | Author, Global-is-Asian
Touted as a revolutionary technology, blockchain is a shared, immutable ledger which can be used across various industries to record transaction histories, thus building trust through accountability and transparency.
03 Mar 2017
LONGREAD: Getting it wrong: why prediction is (mostly) a mug’s game
Drew Turney | Freelance journalist
The year 2016 was replete with confident assurances Donald Trump would never win the presidency, from names no less venerable than the New York Times and The Guardian.
02 Mar 2017
The secret to being innovative (is getting obsessed with customers)
Maile Carnegie | Group Executive Digital Banking, 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.
21 Feb 2017
India’s digital payment economy
Priyanka Bagde | Survey Analyst, Euromonitor International
India is a country where 97 per cent of transactions by volume still happen with cash. Is such a cash-dependent economy ready for the digital revolution?
20 Feb 2017
NZ ahead of the curve on payments
Andrew Kershaw & David Tyrer | Former General Manager Product Management, Institutional & Director Digital Channels NZ, ANZ
The decline of cheques, the move to a cashless society and the increasing use of smartphones are just some of the trends sweeping the payments world –and on a global scale, New Zealand is ahead of the curve.
16 Feb 2017
Will demonetisation become de rigueur?
Steve Worthington | Professor at Swinburne University
The world is going cold on cash. Successive moves by global governments to consider or act on a reduction of banknotes in a bid to, among other things, clamp down on illicit purchases. Digital payment methods are of course the beneficiaries.
15 Feb 2017
Correspondent banking and the global vs local fight
John Campbell | Head of International Transaction Banking & Financial Institutions, ANZ
In a post-Trump, post-Brexit world, societies must ultimately decide how open, international and interconnected they want to be. It is the age-old global-versus-local debate; rapidly becoming a defining issue globally.
14 Feb 2017
RegTech joins the C-Suite
Andrew Cornell | Managing Editor bluenotes
A new ‘C’ has been added to the suite in banking: the Chief Security Information Officer. BlueNotes has a video interview this week with ANZ’s new CISO, Lynwen Connick, who comes from an eminent career in the Australian public service.
14 Feb 2017
The best weapons in the war on fraud
Ellen Joyner Roberson | CFE, Global Marketing Principal, SAS Security Intelligence Practice
Financial services firms and government agencies have done well to invest in meeting growing consumer expectations for timeliness and convenience.
07 Feb 2017
Five fintech trends for 2017
Derek Corcoran | Chief Experience Officer, Avoka
In 2017 the banking industry will inevitably continue on the path of digital transformation it has been – and accelerated – on over the past few years.
07 Feb 2017
Who really pays for cyberbullying?
Lorissa Paulk | BlueNotes contributing editor
Bullying is not a new concept. However, the internet and social media has given bullies another channel to intimidate and harass.
06 Feb 2017
Bitcoin to live on like the Pterodactyl
Andrew Cornell | Managing Editor bluenotes
The reports of the death of Bitcoin may be exaggerations but they're out there.
02 Feb 2017
LONGREAD: how the virtual workplace will actually work
Ben Thompson | CEO, Employment Hero
I apologise if this sounds like something out of a science-fiction movie but in a few years time your office receptionist is almost certainly going to be a robot.
01 Feb 2017
Cracking down on cash is not enough
Andrew Cornell | Managing Editor bluenotes
The shock-and-awe attack by Indian Prime Minister Narendra Modi on the cash economy, when he used his fiat powers to eradicate fiat currency – unilaterally cancelling high value currency notes – was just the latest in a long line of attempts to crush so-called 'black' economies.
24 Jan 2017
Identity fraud is easier than ever – but so is prevention
Shane White | Senior production editor, bluenotes
On a seemingly normal Tuesday, George (not his real name) attempted to access his internet banking when he came across a message saying his account had been locked for security reasons and encouraging him to contact his bank immediately.
24 Jan 2017
Is automation really kicking goals?
Mark Lawson | Retired senior journalist
Anyone fearful of robots taking over from humans to the point of causing mass unemployment should watch a game of Robosoccer.
17 Jan 2017
Will banks be forgotten as tech giants move in?
Andrew Cornell | Managing Editor bluenotes
In one of those frequent and much-looked-forward-to moments – apart from by his minders – when former National Australia Bank chief executive Don Argus went off script, he described his fellow Australian banks as “jelly backed” for ceding their domestic credit card monopoly to international schemes Visa and MasterCard.
10 Jan 2017
Open data – competition cuts both ways
Darren Abbruzzese | General Manager Data, ANZ
“Silicon Valley is coming”. That’s what JP Morgan CEO Jamie Dimon wrote to shareholders in 2015. Dimon had been to the Valley and seen money pouring in to innovative start-ups, targeting the lending and payments space. Many other bankers have been since and come away with similar views.
23 Dec 2016
LONGREAD: When nature did it first: the art and science of biomimicry
Drew Turney | Freelance journalist
“Those who are inspired by a model other than Nature, a mistress above all masters, are laboring in vain.”
15 Dec 2016
China's internet loan revolution
Shiro Armstrong | Editor, East Asia Forum
Internet finance may be a new development in China but its impact is now everywhere.
09 Dec 2016
VIDEO: keep pace with consumers or die
Kath Bray | Managing Director Products, 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 | 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 | Senior production editor, bluenotes
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
Payments: beyond the pleasure and pain principle
Andrew Cornell | Managing Editor bluenotes
In the decades since payment cards entered commerce alongside cash their promoters have struggled to convince a significant minority of merchants the benefits of non-cash payments outweigh the costs.
30 Nov 2016
Is the broker of the future a machine?
Cosi De Angelis | GM Commercial Origination Australia, 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.
29 Nov 2016
INFOGRAPHIC: Australia has chequed out
Shane White | Senior production editor, bluenotes
Like shoulder pads, undercuts and cargo pants the humble cheque is out of fashion in Australia and falling well out of use. Indeed, new research shows Australians have abandoned the use of cheques and the pace of desertion is increasing.
28 Nov 2016
High-tech NZ sailmaker tracks into the Stratis sphere
Sophie Speer | BlueNotes contributing editor
Just as the ocean never stops moving, neither does the sailing industry. For Kiwi sailmakers Doyle Sails, weathering the changes and reading long-range forecasts have been the keys to success.
25 Nov 2016
LONGREAD: Why would you invest in fintech?
Grant Halverson | Former CEO, McLean Roche Consulting
It’s now nine years since ‘fintech’, the buzz term for financial technology start-ups, entered the lexicon and threatened to upend banking as we know it. It hasn’t yet. But will it?
24 Nov 2016
Big noting in India - cash on the knocker
Mike Ebstein | Director, MWE Consulting
The Indian Government has got it in for cash. Or, perhaps more accurately, the black economy – which is cash based. The move to cull the highest-value notes on issue is the most radical but not the only interesting development in global payments. And perhaps a sign of things to come.
22 Nov 2016
When fintech was done by mail
Victoria Kanevsky | Contributing editor, BlueNotes
Senior system analysts Sue Nicholas and Karen Oakley have racked up eight decades of experience in bank technology. They have seen it all before.
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.
21 Nov 2016
VIDEO: Don’t be afraid of disruption
Darren Sibson | BlueNotes Contributing Editor
The only way for banks to survive in the new world of fintech is by embracing the disruption all around them, incorporating that disruption into how they operate.
15 Nov 2016
The importance of switching off from work
Matt Ormiston | Head of Technology & Corporate Optimisation & TSO, ANZ
Dr Stan Rodksi is a cognitive neuroscientist specialising in the peak performance of the brain. His research in stress evaluation has seen him work closely with some of Australia and the world’s most successful private, school and sporting organisations, including AFL, NRL and Olympic athletes.
14 Nov 2016
BlueNotes debate: security, influence & trust
Erica Hardinge & Craig Templeton | Manager Security Culture and Capability & Former Head of Security Enablement, ANZ
Cyber’s gone mainstream. The internet and online services have brought amazing opportunities to our personal and professional lives. From the lounge room to the board room – understanding online safety has never been more important.
02 Nov 2016
Massive growth in fintech (to a small share)
Andrew Cornell | Managing Editor bluenotes
Banking will look radically different in 10 years’ time, probably even five. It will be digital – even though that means many things to different people. And financial technology start-ups – fintechs – will be behind much of the transformation.
26 Oct 2016
Data and the information pay-off
Andrew Cornell | Managing Editor bluenotes
“Information wants to be free”, one of the most enduring internet memes, is often attributed to Steven Levy in his 1984 book Hackers.
14 Oct 2016
Demystifying cloud computing
Drew Turney | Freelance journalist
If you've ever used Gmail, Facebook or Dropbox, congratulations: you're a cloud computing user.
12 Oct 2016
Robocops on the regulatory beat
Andrew Cornell | Managing Editor bluenotes
In Australia last week, the banking industry was focussed on a parliamentary inquiry into the industry’s culture and response to a range of issues from customer complaints to pricing to market behaviour.
12 Oct 2016
Cybersecurity: don’t learn the hard way
Tamsyn Harris | Head of Fraud Risk Strategy, ANZ
Often we are told, to understand something we need to experience it for ourselves. This applies to most things in life, including business but I would argue it certainly does not apply to cybercrime and fraud. In these scenarios it is much better to learn from the experiences of others.
11 Oct 2016
I don't care about big data
Nick Reed | Group General Manager Risk Transformation, ANZ
I don't care about big data.
29 Sep 2016
What the new digital playing field looks like
Darren Abbruzzese | General Manager Data, ANZ
Our lives are going digital. To successfully compete and grow today business models must fundamentally evolve - as quickly as underlying technologies.
28 Sep 2016
Is anyone cashing in on mobile wallets?
Andrew Cornell | Managing Editor bluenotes
The seemingly inexorable trend towards a cashless society continues as contactless payments and mobile wallets replace cash in consumer commerce and real-time payments occur deeper and deeper into the world of small as well as large business.
27 Sep 2016
Lightning strikes for NZ women entrepreneurs
Pete Barnao | BlueNotes contributing editor
A group of women entrepreneurs are supercharging their business ambitions with New Zealand’s first accelerator program for start-ups led by women.
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 | 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.
08 Sep 2016
The future of money is out of this world (but still in your pocket)
Brooke Hemphill | Editor, ADMA
In the not-too-distant future, banks will be jostling for attention alongside a new breed of digital-only financial providers able to move at the speed of light, powered by the latest in technological advances and a lack of legacy infrastructure.
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.
30 Aug 2016
What do business and gardening have in common?
Scott Collary | Former Chief Information Officer, ANZ
If I showed you two seeds and asked you which one is a plant and which one is a weed the only way you would be able to tell is to plant them and see what blooms. It’s the same with ideas – some aren’t as great as you think. Some crazy ones work brilliantly.
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.
25 Aug 2016
Eight ways to protect your business from the cybercrime wave
Craig Bromley | Head of Digital Design & Readiness, Wholesale Digital Transformation
Not a day passes now without us being reminded digital technology can be both friend and foe. Cloud computing, centralisation of IT resources and greater connectivity are just some of the developments increasing convenience for businesses. Sadly with these developments come risk, and cybercrime is the dark side of doing business in the digital age.
22 Aug 2016
VIDEO: How big data becomes big value
Angie Simmonds | BlueNotes contributing editor
Big data on its own won’t change the world for business, SAS Australia & New Zealand chief operating officer Lynette Clunies-Ross says. It’s only when you apply it to big opportunities that you create big value.
17 Aug 2016
Automation and the industries with the most to lose
Matthew Egan | Writer, Tech Exec
Business process automation, cognitive computing, artificial intelligence and robots are all terms used in varying degrees to outline the role technology which thinks like a human might one day play in our society.
16 Aug 2016
Will fintech force banks off the road?
Tareq Muhmood | CEO Korea & Managing Director Global Subsidiaries, ANZ
I often hear about the fourth industrial revolution, the one in which digital, fintech and other disruptive innovations are creating a moment akin to when horse and carriage companies had to adjust to the launch of the motor car.
08 Aug 2016
Banking vs Tech: the importance of diversity in technology
Renee Whitford | BlueNotes contributing editor
The most successful businesses appeal to a wide range of people because they have diverse teams which understand what customers want and need, according to two senior technology and banking executives.
08 Aug 2016
Smart contracts need smarter lawyers
Simun Soljo & David Rountree | Managing Associate & Senior Associate, Allens
Blockchain and distributed-ledger technology are the subject of a lot of hype and discussion. Businesses across many industries have started considering the benefits this technology could offer.
02 Aug 2016
The fintech revolution: slower burn or slowly burning?
Andrew Cornell | Managing Editor bluenotes
Venture capital investment hit a record in 2015. It won’t top that in 2016. The latest EY global venture capital trends report found $US148 billion invested through 8,381 deals in 2015 – the highest venture capital (VC) activity in nearly two decades.
28 Jul 2016
Banking vs Tech: what does ‘digital’ really mean?
Renee Whitford | BlueNotes contributing editor
Successful businesses of the future won’t forsake the human element as digital transforms the way they deal with customers but instead strike the perfect balance between both, according to two of Australia’s most senior banking and technology executives.
28 Jul 2016
INFOGRAPHIC: startups, go north
Josh Tanchel | Partner, Deloitte Private
With the ‘low-hanging technology fruit’ well picked in developed Western markets it will be harder and harder for Australian companies to get breaks in these competitive regions in the future.
28 Jul 2016
Innovation ecosystems: where the magic happens
Carina Parisella & Brooke Paterson | Senior Managers, Strategic Engagement, ANZ
More than just the latest buzzword, business ecosystems are changing the way organisations work together as an increasing number of corporations embrace the collaboration economy.
21 Jul 2016
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).
14 Jul 2016
Mobile payments: hype or happening?
George Lawson | Head of Emerging Products and Innovation ANZ & SP, Visa
Do people really want to pay with their phones? It’s an interesting time to revisit this question because Android Pay has just launched in Australia.
11 Jul 2016
The tills are humming in New Zealand
Mike Ebstein | Director, MWE Consulting
Dairy farmers may well be bemoaning low milk prices but New Zealand consumers overall do not appear to be letting too much get in the way of increasing their use of credit and charge cards.
08 Jul 2016
LONGREAD: Will mobile banking be an Atom bomb or damp squib?
Steve Worthington | Professor at Swinburne University
The launch of Atom Bank in the United Kingdom in 2016 as a new mobile bank regulated by the Bank of England (BoE) heralded the onslaught of a variety of mobile-only banks in that country.
06 Jul 2016
Simplification is complicated
Guy Thompson | BlueNotes contributing editor
Few people have ever seen the Instagram logo outside the virtual realm. It exists as a digital touch point on a smartphone; an enjoyable, familiar place to visit for millions of people.
05 Jul 2016
Innovative financial planners are 20% better off
Alexis George | Group Executive Wealth, ANZ
What does innovation look like in the real world?
04 Jul 2016
Insights from industry breaking disruptors
Shane White | Senior production editor, bluenotes
Century old industries are being turned on their head as disruptive organisations find new and innovative ways to operate and succeed in our new digital-driven world.
27 Jun 2016
VR in the office? It could be a (virtual) reality
Victoria Kanevsky | Contributing editor, BlueNotes
The applications for virtual reality in a corporate context are broad and not always obvious, according to ANZ Group General Manager Enterprise Services Delivery David Cecil but will have a more immediate impact on staff and the customer experience.
24 Jun 2016
The best practices of the modern social executive
Darren Sibson | BlueNotes Contributing Editor
You’re in the midst of the next social-media evolution. Mobile video consumption has grown precipitously and the rise of video platforms and virtual reality are going to make a significant difference to the way everyone consumes content.
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 | Managing Editor bluenotes
If ever the famous aphorism, dating back a century or more, about generals always fighting the last war rings true, it is in the war against cybercrime.
20 Jun 2016
Big data helps us see more when it comes to cyber security
Scott Collary | Former Chief Information Officer, ANZ
Trust is the foundation for success in the financial services industry. Not only do our customers trust banks with their money – they trust us with their information.
15 Jun 2016
Fintech investment surges in Q1 but does that mean the Kodak moment nears for banks?
Andrew Cornell | Managing Editor bluenotes
There was a resurgence of activity in the financial technology (fintech) universe in the first quarter of the year after signs of potential rapid deflation at the end of 2015.
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.
10 Jun 2016
IN PICTURES: mobile banking, 50s style
Peter Marinick & Francesca Rizzo | Archivist & Contributing editor, ANZ
Long before smartphones and ApplePay, mobile banking was a thing – but a very different thing than it is today. Instead of touchscreens we had wheels. And instead living in your pocket, this bank travelled to the customer.
10 Jun 2016
Commercialising creativity – turning great ideas into real businesses
Shane Buggle | Deputy Chief Financial Officer & Head of Finance, ANZ
Universities are full of smart people, many with brilliant ideas. Australian universities are very highly regarded on the world stage, with eight of the 39 Australian universities ranked in the top 150 in the world.
08 Jun 2016
VIDEO: Social is where your customers are
Carina Parisella | Senior Manager Strategic Engagement, ANZ
The power of social media for businesses and leaders is in its unparalleled power to reach audiences of great size, Twitter exec Aliza Knox says.
03 Jun 2016
LONGREAD: the fintech that’s 40 years old
Eamon Veaney | Senior Vice President & Web Coordinator, ANZ Retired Officers Club
Not all bank technology is cutting edge. While banks actively pursue fintech, cloud solutions and core rebuilds, some financial services technology dates back to when the Concorde took its maiden flight. And some of that bank tech is still in the air.
30 May 2016
Tax, spend and modern energy
Sally Adee | Editor, GameChangers
This is an edited excerpt from the New Scientist report, Gamechangers: Energy
30 May 2016
The future cyber economy
Sally Adee | Editor, GameChangers
This is an edited excerpt from the New Scientist report, Gamechangers: Automation and Artificial Intelligence.
30 May 2016
How tech is changing cross-border trade
Angelique Beck | Business Manager Technology, ANZ
Disruptive collaborative and communications technologies have changed the way cross-border trade operates by compressing the distance between nations, the director of cross-border business at Pitcher Partners Rohini Kappadath says.
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.
26 May 2016
Australia slowing but still looks good: Elliott
Paul G Edwards | Publisher, BlueNotes
Australia’s economy has shown remarkable resilience in the wake of the transition away from the mining boom, ANZ CEO Shayne Elliott says, although he admits the country is slowing down.
24 May 2016
The next evolution of financial services
Andrew Cornell | 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.
17 May 2016
The opportunity for efficient fintech is huge
Andrew Cornell | 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?
16 May 2016
Special delivery: China’s logistics boom
Greg Au-Yeung | Head of Technology China, ANZ
Similar to many of my peers – if I haven’t been dragged to the shopping malls - I buy almost everything online. Thanks to China’s rapid development in the internet age, this is now really a breeze.
13 May 2016
How NPP will change the way we do business
Richard Haigh | Former Head of Australia Payments and Cash Management Products, ANZ
Imagine being able to make real-time data rich payments easily and quickly, any time, any place. This is the future with NPP in Australia.
13 May 2016
LONGREAD: the gathering quantum storm
Todd Tobias | Former Director Business Projects Global Markets, ANZ
In a dark room somewhere in North America, just a shade above zero degrees kelvin (about the same temperature as interstellar space) lies the embryonic form of a disruptor of epic proportions; a device which may be recorded in history as the first commercial leap into the world of quantum computing: the D-Wave One.
12 May 2016
Bringing digital banking into the branch
Andrew Cornell | Managing Editor bluenotes
ANZ’s new ‘centre of the future’ in Sydney is part of a shift in the banking sector to bring digital into the branch for both staff and customers, ANZ Group Executive Australia Fred Ohlsson says.
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.
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.
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 | 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 | Senior production editor, bluenotes
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 | 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.
26 Apr 2016
Grey innovation: disrupting age stereotypes in fintech
Juliet Bourke | Partner, Deloitte
Sometimes you don’t even know you hold a stereotype until it is right in your face.
26 Apr 2016
Why policy needs to adapt to the sharing economy
Dr Jim Minifie | Productivity Growth Program Director, Grattan Institute
The rise of the sharing economy can save Australians more than $A500 million on taxi bills, help them to put underused property and other assets to work, and increase employment and income for people on the fringe of the job market.
18 Apr 2016
Five trends critical for digital success – and they all involve people
Jane Livesey | Former Managing Director ANZ, Accenture Technology
New technology brings new fears. Will it take jobs from people like me? Can I still provide value in a world driven by machines? Does my company still need people like me?
13 Apr 2016
Why the customer interface is the future of banking
Peter Dalton | Group General Manager Innovation, ANZ
If you think about your money, there are only so many things you can do, generally speaking – be it earn it, save or spend it, manage it better, borrow it, invest it for the future or, if you’re lucky enough, even give it away.
12 Apr 2016
Celebrating two years of disruption
Paul G Edwards | Publisher, BlueNotes
This week is BlueNotes’ second birthday. Pretty good for what could loosely be called a financial services start-up.
12 Apr 2016
The social ambassadors under your nose
Andrew Grill | Global Managing Partner, IBM Social Consulting
Before I joined IBM I ran an online influence company called Kred which competes with platforms like Klout. We calculated and ranked over 250 million people on social media and provided them a “Kred score” relative to their online influence.
12 Apr 2016
Seven tips for surviving the entrepreneurial jungle
Tessa Roulston | Change Manager, ANZ
What happens when you take 45 of Australia’s most innovative thinkers and drop them into the middle of the Amazon? It sounds like the plot of another awful reality TV show but it really happened – and proved to be one of the most rewarding experiences of my life.
12 Apr 2016
Corporate journalism or just journalism?
Francesca Rizzo | BlueNotes contributing editor
Where do corporate newsrooms like BlueNotes fit into the journalism universe?
11 Apr 2016
The future of brand value: where finance and marketing meet
Louise Eyres & Mark Crowe | Group General Manager Marketing, ANZ & Managing Director, Brand Finance Australia
Branding has never been more important than in today’s digital age, differentiating when the market is awash with online and real world noise. As the way consumers interact with brands changes, how can the industry stay ahead of the game?
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.
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 | 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".
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.
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 | 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 | 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 | 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?
15 Feb 2016
How the payments industry and developers can work better together
Robert Walls | Head of Products NZ and Pacific, Visa Australia
Across the wider payments industry we are at a special moment in history. There is a confluence of secular trends converging in the right way at the right time.
12 Feb 2016
Banks lead the way on consumer digital
Tom Kennedy | Former Digital Partner, EY
The disruptor may agitate about banks being dinosaurs but new consumer research reveals banking and finance actually leads the way when it comes to consumer digital activity.
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.
05 Feb 2016
Fintech forces banks to be better: Elliott
Shayne Elliott | Chief Executive Officer, ANZ
If you think about what banks do, it's actually really simple. We really only have two resources: great people and technology.
05 Feb 2016
The very, very last days of the cheque?
Richard Haigh | Former Head of Australia Payments and Cash Management Products, ANZ
The world has gone digital. Consumers demand online and mobile solutions to their problems and businesses increasingly use paperless processes. Yet the old paper cheque is still relied upon by a surprising number of businesses; a throwback to a past of very different working capital strategies.
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.
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 | Senior production editor, bluenotes
Digital-savvy consumers in the Asia-Pacific region are more likely to adopt new financial technologies than their peers around the world but the same consumers in Australia are lagging below their Asian neighbours, a new study has found.
20 Jan 2016
Putting digital strategy to work
Maxim Sharshun | Former Engagement Manager, PwC Strategy
When it comes to an effective digital transformation all the planning in the world cannot help an organisation which fails to effectively put it into action. Planning is vital but execution is equally important.
13 Jan 2016
Be not afraid, believe in ESNs
Rita Zonius | 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.
22 Dec 2015
Three ways to successfully drive digital
Sanjoy Sen | Managing Director for Retail Banking Asia Pacific
Digital is probably the most-talked about topic in corporate boardroom, but the process of translating this into practical actions and operations is still an enigma for many companies.
16 Dec 2015
The business of cybercrime against business
Adele Tan | BlueNotes contributing editor
The trend to Digital financial services is undeniable but there's the dark side of dependency on systems exposed to risks and vulnerabilities. The hyper-connected nature of digital makes it easy for cybercriminals to fraudulently access information and systems.
04 Dec 2015
The danger of BaU in the age of innovation
Sreeram Iyer | Chief Operating Officer International and Institutional, ANZ
How often have you heard a new starter in a workplace ask: “Why are you doing that this way? This is madness!”?
02 Dec 2015
Three must-ask innovation questions for business
Peter Dalton | Group General Manager Innovation, ANZ
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.
30 Nov 2015
P2P and Australia's payments gap
Robert Walls | Head of Products NZ and Pacific, Visa Australia
The financial services industry in Australia has rightfully earned a reputation around the world for leading the way in innovation, particularly in payments.
26 Nov 2015
AI agents: the next step in cybersecurity
Drew Turney | Freelance journalist
As cybercriminals improve their methods, so too does the cybersecurity industry – the arms race between the two isn't news. But here's what is – one of the earliest and most developed examples of artificial intelligence we have in the world might finally give protection from cyberthreats the edge we've been waiting for.
24 Nov 2015
Is the blockchain defecting from Bitcoin to the banks?
Andrew Cornell | Managing Editor bluenotes
Go to Google Trends and compare “Bitcoin” and “Blockchain”. The former, the cryptocurrency that leapt to prominence 18 months ago, has declined steeply as a searched term - but off Alpine peaks and it's still at high altitudes.
19 Nov 2015
Japan, AirBnB and the devil in the detail
Terrie Lloyd | CEO, Japan Travel KK
AirBnB has revolutionised travel around the world, disrupting the accommodation industry by ensuring tourists can set down in the homes of anyone willing to offer. But In Japan, where tourism is booming, the burgeoning industry has been slow to take off due to heavy regulation - now seemingly being relaxed. But the devil is, as always, in the detail.
16 Nov 2015
Are banks making the most of their data?
Scott Collary & Craig Sims | Former Chief Information Officer & Group General Manager Operations & Services, ANZ
Data driven-thinking is a vital part of business in the modern era, but for all the chat about the value of analytics is anyone actually walking the walk?
11 Nov 2015
The other strategy every IT leader needs
Andrew Arcuri & Richard Helm |
Cost and time overruns are commonplace for IT projects but in a major business transformation, they can be fatal. Research shows when technology-enabled transformations fail, they fail hard.
10 Nov 2015
Should you buy or build a digital experience?
Maxim Sharshun | Former Engagement Manager, PwC Strategy
Build or buy? That's one of the central conundrums of becoming digital and in this third article in our four part series outlining the approach Strategy&, PwC's strategy consulting business, uses to define and implement digital strategies, with superannuation as a case study.
06 Nov 2015
Disruption is an opportunity, not a threat
Scott Collary | Former Chief Information Officer, ANZ
I have a dual perspective on the battle between innovation and disruption in the banking industry. It's one that leads me to believe banks have more to gain from disruption than to lose from it. I'll explain why.
27 Oct 2015
Embrace digital, lift profits
Phoebe O'Sullivan | BlueNotes contributing editor
Companies that successfully transform themselves into digital operations are over 25 per cent more profitable than those those that don't, according to analyst and author Didier Bonnet.
23 Oct 2015
The fintech future is here
Toby Heap & Ian Pollari | Co-founder of H2 Ventures & Global co-chair of KPMG's Fintech practice
Viewing the below chart of web searches, you could be forgiven for thinking that fintech has only really emerged in the past year. But the financial services sector has been innovating with technology for centuries – so why has it got so big recently?
19 Oct 2015
Sir Ray Avery, knight of disruption
Matt Zwartz | Freelance journalist
The first thing I want to know upon meeting Sir Ray Avery, is how to properly address him.
15 Oct 2015
Cyberattacks: think 'when', not 'if'
Steve Glynn | Former Global Head of Information Security, ANZ
Against a background of accelerating technological change and disruptive business models, cyber security has become a key operational risk facing organisations of all sizes – especially those in financial services.
13 Oct 2015
Three things companies need to succeed in the digital era
Shayne Elliott | Chief Executive Officer, ANZ
A visit to Silicon Valley is both terrifying and exciting.
13 Oct 2015
Is Apple Pay a dud? And what about P2P?
Andrew Cornell | Managing Editor bluenotes
Going viral is one of the favoured metaphors of the social and digital world but it is the nature of viruses to rapidly mutate, shifting targets and impacts.
12 Oct 2015
Digital model choice – what do we want to be known for?
Maxim Sharshun & Stephen Reilly | Former Engagement Manager & Director, PwC Strategy
Growing up in the digital age can be tough. Kids have information coming at them from all sides as they come in to a world that doesn't seem to have an 'off' switch. As a parent, some of the best advice you can give a child about how to cope with the limitless stream of role models, popular trends and technologies is simply 'be yourself'.
09 Oct 2015
Silicon valley or death valley for Australia's start-up culture?
Andrew Cornell | Managing Editor bluenotes
BlueNotes and PwC Capital Edge are presenting a series of discussions and roundtables with industry experts, ranging across the wide capital markets universe from start-ups and entrepreneurs to risk and digitalisation.
09 Oct 2015
The swear jar driving an SME to Asian success
Kirsty Quested | Editor, The Small Business Company
Blonde Robot is a small business with big ambitions. What will stay small however, according to founder and CEO Chris Horsley-Wyatt, are the words spoken within the company's walls. And all Blonde Robots are putting their money where their mouths are.
07 Oct 2015
Is cyber fear hurting cross-border investment?
Cheng Lim & Michael Swinson | Partners at King & Wood Mallesons
Cyber security is looming as one of the great challenges of the 21st century. Several governments around the world are responding by strengthening online security laws which in some cases are creating a degree of regulatory uncertainty - but, critically, running the risk of deterring cross-border investment.
29 Sep 2015
A picture worth a thousand tweets
Maria Bellmàs | Associate Tender Solutions, ANZ
Thirty years ago Madonna sang of being a “material girl”. Had the song been written today, she may well have been a “digital girl in a visual world”. This is the reality of the modern world where celebrities have millions of followers on Instagram.
29 Sep 2015
Why would central banks want to kill off cash?
Andrew Cornell | Managing Editor bluenotes
A quarter of Australians have had it with cash. At least according to electronic payments network PayPal. The network's research found not only did 25 per cent of respondents not shop at cash-only businesses, more than half noted cash-only organisations were hard to do business with.
28 Sep 2015
Press x to win: sport's digital battlefield
Charles Happell | Managing Director, Happell Media
The AFL Commission tried hard to dissuade the Melbourne Cricket Club from staging three big-time soccer internationals at the MCG in July. Now we can see why.
22 Sep 2015
Will new technologies change banks or will banks change new technologies?
Andrew Cornell | 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 | Senior production editor, bluenotes
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 | Senior production editor, bluenotes
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.
20 Aug 2015
Profitable organisations have a purpose
Matt Boss | Former Managing Director Products and Marketing, ANZ
Almost every successful company has a firm understanding of strategy and values. But how many have a clear, simple and stated organisational purpose?
20 Aug 2015
Want to build a mine?
Marc Vogts | Inaugural Executive Director John Grill Centre for Project Leadership, University of Sydney
Australia has just come through the largest resource project investment boom in its history. On the upside, project operators were able to rapidly scale up production to meet demand.
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 | 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
Love and other catastrophes
Tareq Muhmood | CEO Korea & Managing Director Global Subsidiaries, ANZ
Following a recent ANZ telco and technology event on connectivity, the internet of things and cybercrime I attended, I had to pause and think about what it all meant. I thought about it for a couple of days and in the end I came away with three key learnings.
05 Aug 2015
The life and death of a disruptive idea
Daniel Norton | Former Manager Pricing Data & Analytics, ANZ
A hackathon is an event where software programmers, developers and designers come together for days on end to brainstorm, create and collaborate. It's a place where ideas are born - and like all ideas some die quietly, some burn bright but quickly flare out and others take on a life of their own.
03 Aug 2015
Is online banking dead?
Leigh Mahoney | Head of Payments Portfolio, ANZ
It's so 90s but when you want to do your banking on the run, some banks still force you into an online desktop experience that they think you like. Most of us only use it because we have to, not because we want to. So does this mean online desktop banking is dead? Or at the very least dying?
27 Jul 2015
The unforeseen consequences of technology
Steve Glynn, Guy Boyd & Damian McMeekin | Former Chief Information Officer & Group General Manager Operations & Services, ANZ
It was only a few short years ago smartphones started appearing in people's hands in significant numbers and yet almost immediately the way we communicate has transformed. This has brought both astounding benefits and increased risks.
21 Jul 2015
Does the internet make business sense?
Greg Adamson | Principal Fellow, University of Melbourne and President, IEEE Society on Social Implications of Technology
On August 14 it will be 20 years since the float of Netscape. For those of you of a younger vintage, Netscape was a browser once the dominant portal for access to the internet.
20 Jul 2015
The fintech goldrush is here
Patrick Maes | Former General Manager Strategy & Planning, ANZ
A lot has been said about the relationship between banks and fintech start-ups. Many have implied an adversarial relationship or spoken of banks needing to take an acquisitive approach (via corporate ventures).
02 Jul 2015
Humans are the weakest link in the digital war
Guy Boyd | Head of Financial Crime, ANZ
There is no doubt digital is the future and customers want the convenience and speed it provides – not just in banking but many services. But the convenience and revolution of digital comes with the risk of cybercrime. This will be a digital war and humans remain the weakest link – meaning training and education are critical.
02 Jul 2015
Don't believe the truth about disruption
Ben Dunn | Former Executive Director Divisional Strategy, ANZ
'Silicon Valley is coming' says JP Morgan.
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.
19 Jun 2015
The little things we can do to get more girls in STEM
Sarah Chronican (nee Harland) | Former General Manager Technology, ANZ
The push to increase the representation of women in technology has come a long way but a repositioning of ideas around education could help improve the situation, according to the managing director of Twitter in Australia, Karen Stocks.
17 Jun 2015
The four pillars of the new world of marketing
Carolyn Bendall | Head of Marketing Australia, ANZ
There's been a longstanding debate about whether marketing is primarily an art or a science. To a large degree it's always been a mix of both.
10 Jun 2015
Cryptic questions for cryptocurrencies
Andrew Cornell | Managing Editor bluenotes
Cryptocurrencies and their enabling technologies have been back in the news with more traditional financial institutions globally, including banks, announcing trials or at least interest.
09 Jun 2015
Devoured or demonised by the D generation
Phoebe O'Sullivan | BlueNotes contributing editor
The new generation of connected consumers will make or break companies over how they meet their expectations, making modern customer relations more vital than ever.
03 Jun 2015
Bring on the disruptors
Shayne Elliott & Mark Whelan | Chief Executive Officer & Group Executive Institutional, ANZ
Disruption is underway in the financial services industry and many are asking if banks can survive the influx of new technology and innovative competitors. Banks are convinced they can, but how?
28 May 2015
How do we fix IT's gender problem?
Scott Collary & Maria Garcia de la Banda | Former Chief Information Officer & Deputy Dean Information Technology Faculty, Monash University
The IT industry has a gender diversity problem which starts at the critical education level where enrolments at schools and universities have stagnated. So what can be done about the issue and who needs to act?
27 May 2015
A future beyond smiles - thoughts on the future of retail banking
David Hisco | CEO New Zealand & Group Executive Asia Wealth, Pacific and International Retail, 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.
22 May 2015
Forget tech toys, tap'n'go payment is what will replace cash
Alan Shields | Managing Director, Research and Advisory, RFi
Every day there appears to be new payment technology being developed and it is easy to get excited – well, as a payments wonk anyway - at the prospect of a less-cash, more-digital payments scenario.
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 | 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 | 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 | Senior production editor, bluenotes
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.
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 | 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.
24 Feb 2015
Do you really need a smart phone to make a payment?
Andrew Cornell | Managing Editor bluenotes
It sounds like the set up for a joke: a bunch of guys are sitting around for their regular get together, eating and drinking, before they realise none of them can pay.
10 Feb 2015
Why modern architectural icons fall short
Jason Murphy | Publisher, Thomas the Think Engine
Take a city. It will have at any time a handful of iconic structures at most and plans to build a dozen more.
03 Feb 2015
Five non-negotiables of social business
Pam Rebecca | Former General Manager of Digital ANZ
The digital age has many attributes - technology, innovation, mobile, cloud and data, but the superpower of the time is unquestionably social media. Here are five ways that social media is disrupting all that you thought you knew about leading a business.
30 Jan 2015
It is always your turn in digital
Claire Rogers | Former Head of Digital Strategy & Business Performance, ANZ
As a senior female leader in the digital world it’s difficult to avoid thinking about gender politics, even when you don’t want to. We like to believe the world has changed for women and it has most definitely. I could tell you some stories from early in my career that would probably draw a gasp. This would be cathartic for me but not entirely relevant!
24 Nov 2014
How Thankyou built a new model of social impact investing to change the business world
Daniel Flynn | Co-Founder and Managing Director, Thankyou Group
Social media is changing the world and one Australian start-up has shown just how successful a business can become by approaching it with an effective, if unconventional, strategy.
17 Nov 2014
How a digital Disney reveals banking’s Tomorrowland
Matt Boss | Former Managing Director Products and Marketing, ANZ
Disneyland and banks don’t have a lot in common. One is generally considered the happiest place on earth and the other is full of rides and costumed entertainers. But a new development at Disney is bringing the ambitions of both groups closer together.
11 Nov 2014
Asia and digital – the twin revolutions
Pam Rebecca | Former General Manager of Digital ANZ
What is digital? Is it data, platforms, an app? A website? Social? Content? The list goes on. And that's just beginning with the customer side of digital. There's a whole other list of questions when it comes to what is often called digitisation - transforming the underlying processes that support your business.
10 Nov 2014
Banks not at war with tech
Stafford Masie | Former General Manager South Africe, Google
Banks have a big part to play in the future of payment technology and are not about to leave the space any time soon, according to Stafford Masie, entrepreneur and founder of technology group Thumbzup.
29 Oct 2014
Sydney tech start-up scene gets a big tick
Amanda Gome | Former head of digital and social media, ANZ
It is no Silicon Valley. But in Surrey Hills, Sydney last week, hundreds of investors, industry leaders and entrepreneurs gathered at one of the high-profile events on the Australian technology start-up community calendar to watch 23 pitches to some of Australia’s wealthiest investors.
21 Oct 2014
An Apple on Pay won’t keep the banks away
Andrew Cornell | Managing Editor bluenotes
The abolition of signatures as a means to verify credit card payments has prompted some alarming media coverage, such as the story noting a restaurant owner had to send customers around the corner to an ATM to get cash to pay their bill.
20 Oct 2014
The trans-Tasman productivity slide
Bill Farrell | Advisory Regional Managing Partner, EY
Productivity matters to developed economies. It also matters to their workers. Measuring worker sentiment around productivity and recognizing what they see as the biggest barriers and opportunities is critical to tracking the progress of productivity improvement in developed economies.
20 Oct 2014
The next evolution in mobile payments
George Lawson | Head of Emerging Products and Innovation ANZ & SP, Visa
If my wife had said to me 10 years ago I would wake up at 3am to watch the launch of a new mobile phone on the other side of the world, I would have told her she was crazy and gone back to watching reruns of Seinfeld.
06 Oct 2014
Why understanding Chinese social media is important
Casey Hall | Former Asian editor, WSJ, NT, CNN
China has 625 million active social media users and approximately zero per cent of them are using platforms dominant in the Western world, such as Facebook, Twitter and Whatsapp.
06 Oct 2014
Busted: Myths about female business leaders exposed
Amanda Gome | Former head of digital and social media, ANZ
It’s a fact: everyone knows women get to the top and slam the door rudely behind them, preventing other women joining them. Or so I am constantly told in conversations exploring that vexing problem of improving female representation in senior levels of business.
06 Oct 2014
Insurance on brink of the tech revolution
Sam Stewart | Partner Financial Services, Boston Consulting Group
The offensive by digital disruptors on the financial services industry is about to launch on an entirely new front — insurance.
30 Sep 2014
Australian financial centres losing out even as plates tilt to Asia
Andrew Cornell | Managing Editor bluenotes
As a Melbournian, the fact that Sydney is failing to deliver as a regional financial centre admittedly triggers a little schadenfreude. After all, they did steal the Olympics.
22 Sep 2014
Death to the ATM – is it a matter of time?
Mike Ebstein | Director, MWE Consulting
A few of us can still recall our first tentative use of an ATM – an 'automated teller machine' - 35 years ago. The concept of accessing cash from your bank account via an unattended machine was then an alien concept that many people found somewhat confronting. Presenting a passbook at a bank branch counter to withdraw funds was how you got cash. And as with many technology led changes, there was suspicion of this newfangled device.
16 Sep 2014
Who wins when cash payments disappear?
Andrew Cornell | Managing Editor bluenotes
The banking industry has long reassured itself that even if customers don’t always like banks, they trust them. And trust is the over-riding base of a financial relationship.
01 Sep 2014
Payments disruption in real time
Dilip Rao | Financial and banking technology innovation veteran
The Medicis in the 15th century (‘God’s Bankers’) were constrained by the Catholic Church’s ban on usury - the charging of interest - on loans.
14 Aug 2014
The natives are restless – what does it mean when data natives replace digital natives?
Jayne Opperman | Former General Manager Technology, ANZ
We are seeing a shift in generations, from those who grew up with the internet to those who have 'discovered' the possibilities of data. A shift from 'Digital natives' to 'Data natives'. Data natives expect their world to be 'smart' and to seamlessly adapt to them and their preferences.
13 Aug 2014
Innovation – in regulation not just products and services – vital for the digital age
Andrew Cornell | Managing Editor bluenotes
Legislation that was written in an old world environment needs to be refreshed and modified.
04 Aug 2014
The NZ multi-national that started off spooking the horses
Andrew Cornell | Managing Editor bluenotes
Maybe for some, the leap from electric fences keeping herds of animals under control to security at Buckingham Palace is not really such a huge one. It’s still a pretty good story though and one that in essence captures the nature of one of New Zealand’s most successful multi-national corporations, Gallagher.
28 Jul 2014
Has Murray peered into the Future?
Steve Worthington | Professor at Swinburne University
The Wallis Financial System Inquiry in 1997 famously devoted just a couple of pages to superannuation. The 2014 Murray version has super as a major focus.
21 Jul 2014
Customer use and preference drive bank technology
Craig Sims | Group General Manager Operations & Services, ANZ
Customer use and preference drive bank technology.
16 Jul 2014
When it comes to IT, focus on the I
Frank McGrath | General Manager Technology Service Management, ANZ
With the business I’m in, IT, people focus on the “T” – technology. But the business I’m really in is the “I” – information.
25 Jun 2014
Education, industry collaboration keys to fighting cybercrime
Paul Black | Former APAC Regional Managing Principal, Verizon
Education, industry collaboration keys to fighting cybercrime.
23 Jun 2014
Is corporate denial suffocating social?
Katherine Milesi | Partner, Deloitte Digital
Corporate denial comes in many forms but none more striking than executives who label social media a novelty. In my role as digital strategist to Australia’s largest companies, I’ve met some non-believers and some sceptics, some who put social in the too-hard basket and still others who are seemingly oblivious to the great social revolution that is happening with Australian consumers and employees.
19 Jun 2014
Cybercrims want intellectual property and product designs, not just money
Paul Black | Former APAC Regional Managing Principal, Verizon
Cybercrims want intellectual property and product designs, not just money.
18 Jun 2014
The bank technology revolution – you’ll only recognise it with hindsight
ANZ Research |
The bank technology revolution – you’ll only recognise it with hindsight.
04 Jun 2014
Upheaval in media and advertising but new opportunities too: Mumbrella360
Justin Fabo & Megan Brownlow & Matt Melhuish | Former Senior Economist, ANZ & Executive Director, PWC & CEO, ENERO Group
The top insights, trends and news from the Mumbrella 360 breakfast sponsored by BlueNotes, looked at the state of the economy and its impact on media and advertising.
28 May 2014
The PIN is mightier than the word
Lance Blockley | Managing Director Consulting, RFi Group
Just over two years ago, what has now become known as the Industry Security Initiative (ISI) was born. In August this initiative will end an era in Australian payments when signatures will no longer work to authorise card transactions.
22 May 2014
Does banking have a future?
Peter Weill | Senior Research Scientist and Chair of the Center for Information Systems Research, MIT Sloan School of Management
Does banking have a future?
13 May 2014
The end of competitive advantage
Mark Whelan | Group Executive, Institutional at ANZ
When I think about small business, I think of the entrepreneurs I know who build nimble, fast, innovative businesses. I know they move faster than many large companies that are stuck with legacy mindsets and weighed down with processes and costs.
05 May 2014
Capitalism with a conscience
Hayley Morris | Founder, The Ideas Nest
Buy, consume, dispose – such is the widely accepted framework that we consumers accept and operate within. But turning this framework on its head is a steadily growing, global movement known as “collaborative consumption”.
15 Apr 2014
Why I’m a social media believer
Mike Smith | Former Chief Executive Officer, ANZ
I joined LinkedIn’s influencer program last year and it was reported on the front page of Australia’s major business newspaper as breaking news.