15 Nov 2021
Balancing risks in marketing
Philip Hardy & Gwladys Tedga |
Marketing is a powerful tool for good when businesses deploy it responsibly and with purpose.
Technology Innovation
12 Nov 2021
Central banks and the occult: talers from the crypto
James Culham | Executive Director, Institutional Portfolio Management, ANZ
As regulators consider policies around digital currencies, what may be some of the unintended consequences?
10 Nov 2021
Fear and loathing in financial services
Andrew Cornell | Managing Editor, bluenotes
Currency, payments and centralised finance are entering a very weird period of change globally.
21 Oct 2021
Uncovering the hidden costs of M&A
Con Boulougouris & Simon Lewis | Partner for M&A & Partner for Technology Consulting, MinterEllison
As the financial services sector faces a wave of M&A activity, organisations need to be aware of the hidden costs that technology can present.
13 Oct 2021
Big Tech bank invasion halted at the moat
Andrew Cornell | Managing Editor, bluenotes
The much heralded invasion of banking by giant technology companies hasn’t panned out exactly as first thought.
11 Oct 2021
Have you checked in? Scanning the history of QR codes
Luke Deer | Independent Researcher & Finance Tutor, University of Sydney Business School
QR codes have become an integral part of the post-COVID economy. But their origin was far from government use or commerce.
04 Oct 2021
Techfin finding common ground on big projects
Gerard Florian | Group Executive Technology, ANZ
When technology and finance divisions cooperate on big projects, processes evolve to deliver better outcomes for staff and customers.
01 Oct 2021
Talent is everywhere, opportunity is not
Danielle Darbyshire | Journey Expert for Talent Pipelines, ANZ
The technology industry has an opportunity to bridge the gap between female participation and talent shortage to create a better balanced future.
06 Sep 2021
Buy now, pay later, survive in the future?
Kevin Davis | Emeritus Professor of Finance, University of Melbourne
The buy now, pay later concept has shaken up traditional banks and financing. But is it really changing the payments landscape?
24 Aug 2021
ATM customers continue to withdraw
Mike Ebstein | Director, MWE Consulting
As cash use rates dropped through the pandemic, so too did ATM use. But this isn’t a new phenomenon.
13 Aug 2021
Opportunities abound as traditional banks unbundle
Ron Spector | Managing Director of 1835i
Are incumbent banks really under “attack” from new players? Or is everyone actually playing the same game?
29 Jul 2021
China policy: shifting the spotlight from tech
Richard Yetsenga | Chief Economist, ANZ
Policy shifts in China appear to be pulling away from ‘barbaric growth’ in the technology sector.
21 Jul 2021
Under the hood: bank to the future with 1835i
Andrew Cornell | Managing Editor, bluenotes
After three foundation years within the enterprise, ANZ’s investment and innovation business is “leaving the mothership” to further accelerate scale and growth.
14 Jul 2021
Bankers teach new tech old tricks
Jeff Schrale | Regional Executive Far North QLD, ANZ
Digital solutions will inevitably be the future of banking. But it will always be combined with human connection.
08 Jul 2021
Balancing quality and quantity in tech
Carina Parisella | Workforce Tribe Lead, ANZ
A diverse workforce of skilled people is needed to set Australian companies up for success in the digital era.
01 Jul 2021
Under the hood: not your regular rewards program
Shayne Elliott | Chief Executive Officer, ANZ
Investing in Australian-made business Cashrewards will give ANZ the ability to help customers improve their financial wellbeing.
30 Jun 2021
Locking down cyber threats
Lynwen Connick | CISO, ANZ
Cyber criminals are taking advantage of vulnerabilities caused by the pandemic to attempt to infiltrate businesses more than ever before.
25 Jun 2021
Preparing for cyber disaster
Troy Heland | Team Lead Managed Security Services, Verizon
The financial services industry is among the best equipped for disaster after a focus on future investment through the pandemic.
16 Jun 2021
Are they who they say they are?
Mathew Demetriou | GM Decisioning & Analytics, Experian Aus & NZ
Safeguarding customers – both current and prospective – against increasingly difficult to detect fraud must be a key focus for business.
08 Jun 2021
Digital banking comes of age
Kath Bray | Managing Director - Retail Banking, ANZ
The acceleration of digital banking trends in Australia picked up in 2020 and highlighted the importance of focusing on customer preferences.
07 Jun 2021
Tech at the wheel of Asia recovery
Bansi Madhavani | Senior Economist, ANZ
Booming demand and pandemic-related supply shocks have caused a strong upswing in Asia’s tech export growth.
31 May 2021
Businesses must account for EOFY scams
Cosi De Angelis | GM Transaction Banking & Asset Finance Solutions, ANZ
As Australian businesses gear up for another demanding end of financial year period, so too do cyber criminals.
27 May 2021
Elliott: accelerating our strategy
Shayne Elliott | Chief Executive Officer, ANZ
CEO says a strategic focus on banking infrastructure at a retail and institutional level sets ANZ apart from competitors.
26 May 2021
Can central banks be even more cryptic?
Andrew Cornell | Managing Editor, bluenotes
As the value of cryptocurrencies continue to spike and reverse, central banks have started mulling its usefulness.
17 May 2021
Commercial banking’s new frontier
Chris Jaggard | Commercial Banking Lead Aus & NZ, Accenture
Banking-as-a-Service and the “business of experience” must be the focus for commercial banks looking to win big post-pandemic.
05 May 2021
BEHIND THE NUMBERS: platforms for future growth
Lisa Vasic & Leigh Mahoney | MD Transaction Banking & Head of Wholesale Digital, ANZ
ANZ’s Institutional business has been building platforms and gaining market share which will provide growth opportunities for the future of banking.
29 Apr 2021
Florian: solid foundations underpin the future of banks
Gerard Florian | Group Executive Technology, ANZ
A mindset shift is required to help transform the concept of “banking” from being a noun to a verb.
21 Apr 2021
Banking platforms off the deep end
Andrew Cornell | Managing Editor, bluenotes
Not all banking platforms are created equal. And banks may not even be the right company to offer the service.
08 Apr 2021
PODCAST: rise of the machine (learning)
Shayne Elliott | Chief Executive Officer, ANZ
AI and machine learning can make banking faster, easier and better for our customers and our people. Here’s how some of our teams are embracing these new technologies.
29 Mar 2021
Data, Technology and the Workforce of the Future
Alexis George | Deputy Chief Executive Officer & Group Executive Wealth Australia, ANZ
2020 crammed five years of evolution into one – that was true for workforces as well as technology and business operations.
24 Mar 2021
When the barista is giving you crypto tips…
Andrew Cornell | Managing Editor, bluenotes
The crypto bonanza continues. Tweets are now non-fungible works of art. But one piece of the digital landscape is more than hype: blockchain.
22 Mar 2021
Are neo-banks here to stay? Or just a passing phase?
Steve Worthington | Professor at Swinburne University
So-called "neo-banks" may aspire to take market share from the incumbents but will they ever get passed being “too small to save”?
19 Mar 2021
Q&A: Atlassian on finding flexibility in uncertainty
Gerard Florian | Group Executive Technology, ANZ
Atlassian Work Futurist says companies must move away from measuring productivity traditionally if they want to succeed in a distributed future – and learn to drop the rituals.
24 Feb 2021
Under the hood: make an offer
Shayne Elliott | Chief Executive Officer, ANZ
As the Australian housing market continues to recover from the pandemic, one digital solution is making it easier than ever for buyers to purchase a home.
17 Feb 2021
Paying the way through 2020
Mike Ebstein | Director, MWE Consulting
Cash crisis, credit risk: use of physical cash and credit cards contracted majorly in 2020 as consumers flocked to debit and digital payments.
10 Feb 2021
Behind the ranks of the fintech revolution
Andrew Cornell | Managing Editor, bluenotes
The past year has seen upheaval in the financial services industry. But – so far - it hasn’t been the traditional banks bearing the brunt.
09 Feb 2021
Cyber risks targeting the next gen
Erica Hardinge | Head of Security Enablement, ANZ
The rapid transition to online learning in 2020 left many children and education providers vulnerable to cyber-attacks.
04 Feb 2021
PODCAST: under the hood of ANZi
Shayne Elliott | Chief Executive Officer, ANZ
The investments and innovations arm of ANZ has been working hard to accelerate the bank’s digital evolution and more efficient customer service.
22 Jan 2021
IN CHARTS: electric vehicles in the tech ecosystem’s fast lane
Bansi Madhavani & Raymond Yeung | Economist & Chief Economist Greater China, ANZ Research
2020 was a big year for electric vehicles despite weaknesses in the broader automotive industry.
21 Jan 2021
Evolving how we work
Kathryn van der Merwe | Group Executive – Talent & Culture, ANZ
Six core beliefs will guide ANZ into the future of how its workplaces operate both in the office and remotely.
19 Jan 2021
Aussie banks doing digital
Laure Jouan | Principal Financial Institutions Practice, BCG
Australia’s banks must accelerate digital transformations to help the economy recover from the COVID-19 pandemic.
15 Jan 2021
Banking on the next decade
Andrew Gilder | Asia-Pacific Banking and Capital Markets Leader, EY
Corporate, commercial and small-medium enterprise banking services are ripe for innovation and need to start planning now to stay ahead of the curve.
14 Jan 2021
Smart money and financial services
Stanislas de Roys & Marie-Caroline Baerd | MD Financial Services & Executive VP AI, Capgemini Invent
AI can boost the customer experience, creating opportunity for financial services to take an even more customer-centric approach.
15 Dec 2020
Partnering to push payments into the future
Mark Hand | Group Executive Australia Retail and Commercial Banking, ANZ
ANZ and Worldline have created a new joint venture to enhance the payments experience for both consumers and merchants
07 Dec 2020
Remote learning extends to financial education
Professor Roslyn Russell | Principal Research Fellow, RMIT University
Like other forms of education this year, financial literacy courses had to quickly move to online offerings in response to COVID-19.
02 Dec 2020
PODCAST: Silicon Valley’s founding father
Andrew Cornell | Managing Editor, bluenotes
Long-time venture capitalist Sanford Robertson has decades of experience in Silicon Valley. And he has no plans to slow down.
20 Nov 2020
Identity a cornerstone of effective fraud – and its prevention
Kim Downs & Warren Brown | Fraud and ABAC Lead & Fraud Policy Lead, ANZ
Just as major organisations are adapting to new technologies, so too are the fraudsters using data to drive illicit activities.
12 Nov 2020
Preparing for the fraud pandemic
Carol Chris | Regional General Manager Australia, GBG
Digital acceleration has pushed financial institutions to re-evaluate the resilience of their fraud management strategies.
05 Nov 2020
Wozniak: disrupting the C-suite
Shane White | Content Manager - Institutional, ANZ
Legendary Apple co-founder says it’s time for businesses to give disruption a seat at the executive table.
28 Oct 2020
Working out how we work
Kathryn van der Merwe | Group Executive – Talent & Culture, ANZ
Ongoing, two-way communication between management and employees is a key factor determining the flexible future of work at ANZ.
20 Oct 2020
Have payments changed forever? Or just temporarily shifted?
Alan Shields | Chief Data Officer, RFi Group
The move away from cash emerged as one of the biggest digital shifts from the pandemic as consumers seemed to fully embrace mobile wallets.
08 Oct 2020
Data must go viral
Mohadesh Ganji | Head of Data Science, Home Loans, ANZ
Since the pandemic started, many organisations have realised the power and criticality of timely, accurate data and insight for key decision making.
24 Sep 2020
Sibos 2020: destination Lygon, outlook global
Arun Kayal & Shane White | AD Institutional Communications & Institutional Content Manager, ANZ
Solving problems with real solutions is just one benefit of the successful guarantees-based Lygon technology.
22 Sep 2020
Sibos 2020: shining a light on APIs
Arun Kayal & Shane White | AD Institutional Communications & Institutional Content Manager, ANZ
Rapidly increasing demand for application programming interfaces is changing the way financial services groups interact with customers.
15 Sep 2020
Sibos 2020: investing in customers
Arun Kayal & Shane White | AD Institutional Communications & Institutional Content Manager, ANZ
Creating value and solving problems for customers is an invaluable investment for all businesses.
14 Sep 2020
Are fraudsters really that clever?
Steve Worthington | Professor at Swinburne University
Modern fraudsters are digital, agile and flexible. Are they actually the epitome of a successful business model?
11 Sep 2020
Payment technology is changing, the reason for payments isn’t
Ciyi Lim | Head of Innovation - Asia Pacific, Visa
Customers don’t want to think about how their payment is processed, they just want it to work seamlessly.
09 Sep 2020
Effective technology, communications create certainty in crisis
Michael Evans | Vice President, Pegasystems Aus & NZ
Financial services must accelerate digital transformations and focus on enhancing customer communications in pandemic.
21 Aug 2020
AI governance needs real people in mind
Shane Evans | Partner & Health Industry Lead, MinterEllison
Technology innovations will create many opportunities for advanced healthcare. But the focus must remain on the end consumer at all times.
17 Aug 2020
Banking: short-term pain, long-term gain
Alex Trott | Banking Lead, Accenture Australia and New Zealand
The COVID-19 pandemic has created new purpose for banks globally. But the question is: will it last?
12 Aug 2020
Working together to fight cyber crime
Lynwen Connick | CISO, ANZ
The government’s new Cyber Security Strategy will help individuals and businesses of all sizes bolster against cyber-attacks.
10 Aug 2020
Relying on innovation
Michael Ewald | Director - Engineering & Consulting APAC, Contino
Customers want reliability. So how hard is it really for major organisations to be reliable? One new technology concept makes it much easier.
05 Aug 2020
What if banks disappeared and nobody noticed?
Andrew Cornell | Managing Editor, bluenotes
Banks have been deemed essential in the pandemic. But are they really the only institution able to provide banking services?
08 Jul 2020
Planet cools for digital dinosaurs
Andrew Cornell | Managing Editor, bluenotes
Digital banking is no longer a strategy for the near term, it’s a strategy for the now term
01 Jul 2020
Australian banking opens up
Emma Gray | Group Executive - Data & Automation, ANZ
Consumers are the winners as a new era of data and banking begins in Australia.
26 Jun 2020
Digital businesses read the prophecy
Leigh Mahoney | Head of Wholesale Digital, ANZ
The COVID-19 pandemic has highlighted the need for businesses of all kinds to embrace digital tools.
24 Jun 2020
Sometimes - history needs a push
Andrew Cornell | Managing Editor, bluenotes
COVID-19 has inflicted revolutionary change at a pace and scale to rival the political upheavals of the 20th century.
23 Jun 2020
Ten years in 10 weeks, all change
Gerard Florian | Group Executive Technology, ANZ
The world has seen enormous levels of change in the last few weeks. What aspects are sticking in the minds of company executives?
19 May 2020
Hydrogen - the fuel of the future?
Satoshi Okazaki & Andrew Cornell | Head of Corporate Banking ANZ Japan & Managing Editor of bluenotes
Hydrogen - along with oxygen, a constituent of water - is also a fuel of the future. And potentially a climate change saviour.
12 May 2020
Data in a crisis - and beyond
Emma Gray | Group Executive - Data & Automation, ANZ
ANZ data and automation expert outlines how data must be managed for customers and decision makers.
06 May 2020
Off the beaten path to track sentiment via Google searches, foot traffic
Hayden Dimes & David Plank | Economist & Head of Australian Economics, ANZ
Alternative data can provide insights into how Australians are feeling about the economy.
04 May 2020
Two decades on, will COVID-19 alter payment patterns?
Mike Ebstein | Director, MWE Consulting
The payments landscape has changed entirely in two decades. Will COVID-19 alter the course of history?
01 May 2020
Working remotely: ANZ’s network affect
Gerard Florian | Group Executive Technology, ANZ
Companies around the world – including ANZ – had to rapidly adapt both physically and technologically to respond to COVID-19.
29 Apr 2020
Cyber crims target COVID-19 fact-finding
Simon Ezard | Principal Consultant, Verizon Threat Research Advisory Centre
While most people look out for each other in times of need, others take advantage of fears for profit.
26 Feb 2020
Banking’s next decade: change is the new normal
Andrew Gilder | Asia-Pacific Banking and Capital Markets Leader, EY
Fintechs and bigtechs are continuing to take on market share from incumbent banks. Now isn’t the time for banks to sit still.
11 Feb 2020
Cyber risks at home: bad for business
Paul Burrow & Catherine Wise | Senior Cyber Security Behaviour Managers, ANZ
As the line between workplace and home continues blurs, cyber risk for organisations spreads outside the office.
24 Jan 2020
Data can’t talk… but stories and insights can
Gerard Florian | Group Executive Technology, ANZ
New technology is transforming every industry – but old-fashioned stories get stakeholders on-board.
04 Dec 2019
INFOGRAPHIC: the Aussies falling victim to scams
Cassandra Hewett & Marc Broome | Head of Financial Crime and Complex Investigations Lead, ANZ
Scams are no longer just clunky calls claiming to be from the tax office or your bank. Take a look at which Australians are getting snared.
27 Nov 2019
Fintech threat: not just where you think
Andrew Cornell | Managing Editor, bluenotes
The fintech revolution is entering the negotiated truce phase - but bigtech looms on a new front.
26 Nov 2019
PODCAST: banking on innovation
Nick Higginbottom | bluenotes contributor, ANZ
Fintechs and banks come together for shared strategic benefit under ANZ’s new investments team, ANZi Ventures.
08 Nov 2019
Japan: world leaders in robots and growing old
Tom Kenny | Senior International Economist, ANZ
Japan’s demographic challenges are impacting growth. Can automation and AI help drive improved long-term productivity?
28 Oct 2019
Libra in China: what’s in the stars?
Raymond Yeung and team | Chief Economist, Greater China & economics team, ANZ
Facebook’s digital currency holds as founder Mark Zuckerberg faces Congress. However, one party is yet to show its hand.
25 Oct 2019
Busting open banking wide open
Paul Wiebusch | Associate, Quill Peak
The launch of open banking in Australia will cause widespread frenzy as people immediately leave their bank for a challenger. Or will it?
23 Oct 2019
Aus fintechs: riding the investment wave
Alex Trott | Banking Lead, Accenture Australia and New Zealand
As investment in fintech continues to grow, are the incumbent banks facing impending doom?
22 Oct 2019
Fintech as a force for good
Michelle Commandeur | Head of Financial Inclusion at ANZ
Innovative fintech companies have the opportunity to be at the forefront of financial wellbeing and inclusion.
04 Oct 2019
Betting big on future climates
Larry Marshall | Chief Executive, CSIRO
Australia must act now on climate change to retain our quality of life and economy, says CSIRO chief.
02 Oct 2019
Fintechs folding in
Andrew Cornell | Managing Editor, bluenotes
The Bank of the Future would do well to look into the past as well as the fintech forecast.
23 Sep 2019
SIBOS19: full coverage
bluenotes shines a spotlight on the biggest trends dominating the banking and technology industries now and in the future.
21 Sep 2019
SIBOS19: machine learning - homines in machina
Arun Kayal & Shane White | AD Institutional Communications & Institutional Content Manager, ANZ
Machine learning isn’t all robotic – people need to be involved too. The lessons will change the game for banks and their customers.
20 Sep 2019
SIBOS19: fin meets tech meets fintech meets techfin
Arun Kayal | Associate Director Communications, ANZ Institutional
There’s a good reason why banking and technology experts have been turning up to Sibos for over 40 years.
19 Sep 2019
SIBOS19: finserv leaders should be payments experts
Arun Kayal & Shane White | AD Institutional Communications & Institutional Content Manager, ANZ
Banks must educate the broader financial services industry on the benefits of real-time payments platforms, according to two experts.
17 Sep 2019
SIBOS19: businesses grow on Lygon
Adam Grant | Head of Trade & Supply Chain, ANZ
Distributed ledgers, long an answer without a question, are now being used to solve real problems for both businesses and customers.
13 Sep 2019
The social net-worth: engrossed or engaged?
Ryan Crocker & Richard Cartmell | Social Business Development Manager & Community Manager, ANZ
Workplaces are getting more and more social online, whether people ‘like’ it or not.
05 Sep 2019
SIBOS19: defending against trade-based money laundering
Arun Kayal | Associate Director Communications, ANZ Institutional
A shift in mindset by the financial services industry is needed to prevent trade-based financial crimes, says two ANZ experts.
15 Aug 2019
Simple solutions to new problems
Kelsey Hightower | Staff Developer Advocate at Google Cloud Platform
Leaders must keep employees focused on customer problems and sharing their expertise, according to Google expert.
14 Aug 2019
Wanna buy a bridge? Too late, scammers have moved on…
Warren Brown and Dylan Ryan | Manager of Financial Crime Oversight and Fraud Risk Lead, ANZ
Forget Nigerian fortunes or Florida real estate - scammers now run highly sophisticated operations which weasel their way into everyday business without anyone noticing.
24 Jul 2019
Robocops on the cyber beat
Andrew Cornell | Managing Editor, bluenotes
As companies’ defence against cybercrime become more sophisticated, so too does the perpetrators of the crime.
22 Jul 2019
The secret life of data
Shane White | Content Manager - Institutional, ANZ
Deeper analysis of data can help businesses better understand their customers’ buying behaviours.
16 Jul 2019
Bots are listening to your CEO’s conference call
Simon Jemison | Corporate Communications Consultant, SJ Advisory Australia
Quantamental technologies and natural language processing – investor calls are no longer just upbeat or downbeat.
15 Jul 2019
Is the future stable for Libra?
James Culham | Executive Director, Institutional Portfolio Management, ANZ
Facebook’s latest payments venture is causing quite a stir online but will its intrinsic value add up?
12 Jul 2019
LONGREAD: infrastructure no longer just roads and bridges
Stuart Fuller | Head of Law, KPMG & Board Member, Asia Society Australia
The traditional concepts of infrastructure - or investment - are being strained by technology and innovation.
20 Jun 2019
Fintech’s coming of age
James Lloyd | EY FinTech Leader for Asia-Pacific
Global fintech adoption is continuing to accelerate as the sector matures and spreads across new products and services.
19 Jun 2019
The war for talent in the digital age
Melissa Currie | Creative Content Producer, bluenotes
The talent war has spurred an arms race of digital tools organisations are using to identify new talent.
30 May 2019
Open banking in Aotearoa
Liz Maguire | Head of Digital Channels & Transactions New Zealand, ANZ
Open banking is gathering traction in New Zealand where adoption has a distinctly Kiwi style.
29 May 2019
Bitcoin’s back in town
Andrew Cornell | Managing Editor, bluenotes
Although bitcoin is on a bull run back into the mainstream, questions of legitimacy still remain.
10 May 2019
Machine learning: change the way you think
Shane White | Content Manager - Institutional, ANZ
Increasing productivity returns and solving big problems are just some of the benefits of machine-learning algorithms.
29 Apr 2019
Can fintech keep up the pace?
Alex Trott | Banking Lead, Accenture Australia and New Zealand
The fintech market might be booming but can these nimble companies keep up with big corporates?
23 Apr 2019
Using the right payments funnel
John Collins | Payments & Merchants Lead, ANZ
Businesses are being empowered to choose how their tap-and-go payments are processed, says ANZ’s Payments and Merchants Lead.
29 Mar 2019
Cultural challenge: legacy thinking
Mark Evans | Managing Director Transaction Banking, ANZ
Outdated attitudes are as big a challenge to businesses as outdated technology.
25 Mar 2019
Atlassian: why we don’t like watermelons
Alicia Aitken | Head of Investment Management for Strategic Projects, ANZ
Atlassian’s resident Work Futurist explains how OKRs – objectives and key results - can empower autonomous workforces.
21 Mar 2019
High tide for blockchain
Maria Bellmàs | Associate Director, Trade and Supply Chain Product, ANZ
Blockchain has been the darling of the tech world for some time but the tide is starting to turn.
18 Mar 2019
The benefits of being behind the curve
Richard Morgan | Country Manager Aus & NZ, Genpact
AI adoption in Australia may be lagging but there could be benefits to being late.
08 Mar 2019
IWD2019: resuming with a resumé gap
Carina Parisella | Workforce Tribe Lead, ANZ
Coming back to work can be daunting but coming back into an ever-changing tech industry is another thing all together.
08 Mar 2019
IWD2019: women in tech - founders to fighters
Maryann Jamieson | Domain Lead, Business Automation & Integration, ANZ
Where would the tech industry be today if women were present over the last decade?
07 Mar 2019
Keeping up with digital trade finance
Khalil Hegarty and Tyler McDonald | Associate Director and Consultant at ITS Global
Regional authorities are quickly moving towards digitising trade and customs – is Australia falling behind?
27 Feb 2019
Non-banks: looking like banks, acting like banks, regulated like banks
Andrew Cornell | Managing Editor, bluenotes
As challenger banks promise to be better than the banks, can they avoid becoming banks themselves?
20 Feb 2019
NZ wine: full bodied and aging well
Briar McCormack | New Zealand editor
NZ’s wine industry continues to perform well on the back of profitability for wineries of all sizes.
19 Feb 2019
IWD2019: cyber experts and the talent gap
Lynwen Connick | CISO, ANZ
With the cyber security industry facing a talent shortage, a new school program hopes to inspire future experts.
13 Feb 2019
So much to buy, many ways to pay
Andrew Cornell | Managing Editor, bluenotes
Paying for goods and services has never been so complicated with hundreds of payments options.
12 Feb 2019
The fourth industrial revolution and AI opportunities
Dr Ayesha Khanna | Co-founder & CEO, ADDO AI
Society continues to change and adapt to new technologies so businesses must make a conscious effort to keep up.
06 Feb 2019
The long arm of data policing
Owen McMahon | GDPR Program Director, Enterprise Data Governance, ANZ
On privacy, the global regulatory landscape is not standing still.
31 Jan 2019
PODCAST: banking technology’s on Cloud 9
Gerard Florian | Group Executive Technology, ANZ
The cloud, open banking and blockchain technologies will certainly play a role in the future of banking.
22 Jan 2019
PODCAST: AI, the cloud and the future of skills
Gerard Florian | Group Executive Technology, ANZ
As technology continues to advance, organisations must ensure their environments and employees are able to keep up.
21 Jan 2019
GBA: more than the next Silicon Valley
Philomena Leung & Luke Hurst | Professor of Accounting & Governance, Macquarie University & Director of Research & Information, Asialink
The complexities of the GBA project are huge; the benefits could be even greater.
18 Jan 2019
Disappearing payments
Gemma Simpson | Digital Producer, bluenotes
Payments are disappearing from view thanks to mobile wallets.
08 Jan 2019
Carnegie: innovation, not just private
Maile Carnegie | Group Executive Digital Banking, ANZ
The public service plays a pivotal role in driving the national innovation ecosystem, says ANZ’s Group Exec – Digital.
08 Jan 2019
More than robotaxis: the tech revolution and productivity
Richard Yetsenga | Chief Economist, ANZ
We still don’t have an answer to a fundamental question: what will the tech revolution do to the nature of jobs?
07 Dec 2018
Back before hieroglyphics: the evolution of emoji
Melissa Currie | Creative Content Producer, bluenotes
Could the origins of emoji really date back to Palaeolithic times?
06 Dec 2018
More than a token effort
Matt Wood | Head of Digital Products and Partnership at Visa
Tokenisation: the technology changing digital commerce.
05 Dec 2018
South east Asia’s infinite capacity for surprise
Greg Earl | Writer, editor and consultant
It's not just China. South east Asia’s growth is becoming impossible to ignore and it’s happening at Australia’s front door.
04 Dec 2018
Biz must empower people on cyber security
Lynwen Connick | CISO, ANZ
Technology can only go so far. The best businesses create a culture of security in the battle against online crime.
03 Dec 2018
The accessibility and inclusion tipping point
Emily Ross | Author, journalist and editor
Advances in technology might have made lives easier for some but for people with a disability, it could make life more complicated.
26 Oct 2018
Alicia and a story of online safety
Erica Hardinge | Head of Security Enablement, ANZ
Being safe online is as important for people at home as it is at work.
23 Oct 2018
Short-term pain for long-term gains
Briar McCormack | New Zealand editor
Investing in pharmaceutical innovation may not yield short-term returns but the long-term benefits are vital.
12 Oct 2018
A cyber-pact to make the team stronger
Lynwen Connick | CISO, ANZ
The financial cost of cybercrime grows every year – as does the human cost.
08 Oct 2018
Cybersecurity risk in business – it’s personal
Cosi De Angelis | GM Transaction Banking & Asset Finance Solutions, ANZ
To truly assess risk, a digital business strategy must consider cyber risks inside the business and the home.
21 Sep 2018
The jobs AI is creating
Maryann Jamieson | Domain Lead, Business Automation & Integration, ANZ
AI is coming and in some cases already here – but the changes it brings will require businesses to hire real people, too.
20 Sep 2018
Trading up: digital drags trade into the 21st century
Mark Evans | Managing Director Transaction Banking, ANZ
Cross-border trade is a huge growth area for Australia but is weighed down by archaic, paper-based processing.
13 Sep 2018
AI: are humans obsolete?
Andrew Cornell | Managing Editor, bluenotes
AI is already shifting human life. Where are we going now? Five experts give their view.
06 Sep 2018
ANZ, Atlassian & lessons from a meteoric rise
Gerard Florian | Group Executive Technology, ANZ
ANZ head of technology wants new deal with Atlassian to be a much-deeper relationship than vendor-client.
05 Sep 2018
Cryptomania: beyond boom and bust
Martin Smith | Head of Markets Analysis, East & Partners
Acceptance of digital currency remains largely misunderstood or off the agenda for the majority of Australian merchants.
31 Aug 2018
SMEs: boost revenue $A385 billion a year
Guy Mendelson | Portfolio Lead - Business Owners, ANZ
SMEs can save time and lift financial performance using digital and data, survey shows.
30 Aug 2018
LEGO? Are you serious?
Melissa Currie | Creative Content Producer, bluenotes
Lego: no longer just child’s play. An increasing number of organisations are taking to using it to drive innovation.
24 Aug 2018
Open banking: rollout with care
Poli Konstantinidis | Executive GM Credit Services & Decision Analytics, Experian ANZ
The rollout of open banking in Australia should be exercised with care, according to an expert from Experian.
21 Aug 2018
Collaboration trumps genius
Carina Parisella | Workforce Tribe Lead, ANZ
It's hard to keep up in an increasingly tech-focused world, we chat to a political economist and a cancer researcher to learn more.
16 Aug 2018
Creating Jamie
Shannon Newland | bluenotes contributor
Changing traditional industries are increasingly looking for creative thinkers.
14 Aug 2018
Millennials opening the door for open banking
Alex Trott | Banking Lead, Accenture Australia and New Zealand
Young consumers are primed for open banking opportunities in Australia.
08 Aug 2018
Fintech: live, die, repeat
Andrew Cornell | Managing Editor, bluenotes
The fintech revolution will be televised - by the major networks. Ideas with a true value will either partner with, or be enveloped by, the establishment. But not necessarily banks…
06 Aug 2018
The opportunity for precision farming in NZ
Briar McCormack | New Zealand editor
How can agtech help NZ farmers better run their businesses?
01 Aug 2018
Are platforms the new bank branches?
Andrew Cornell | Managing Editor, bluenotes
Digital has brought a seismic shift in the economics of financial services. An expert describes on podcast what lies ahead.
31 Jul 2018
Could India lead the world on tech?
Shayne Elliott | Chief Executive Officer, ANZ
Shayne Elliott speaks to Australia’s High Commissioner to India Harinder Sidhu.
30 Jul 2018
Is it foolish to write off crypto?
Steve Dando | Personal & Business Banker, ANZ
A bump in the road won’t be enough to keep crypto - an asset class still worthy of investment – away.
27 Jul 2018
Castles, moats and fending off digital raiders
Anthony Stevens | Founder & CEO, Digital Asset Ventures
The forces of digital disruption are undeniable. Here are two crucial planks of digital strategy all businesses need to know.
25 Jul 2018
AI and the front runners
Peter Meliniotis | Director Digital Services, Capgemini Australia
How should organisations augment their customer experience processes for an AI world?
23 Jul 2018
STEM, kids and breaking things
Carina Parisella | Workforce Tribe Lead, ANZ
Pulling things apart and repairing them is still a big pastime for kids - it’s just these days, everything is built from code.
23 Jul 2018
AI vs I in financial advice
Louise McCabe | Freelance journalist
Robo-advice is emerging around the world. How will it impact financial advice businesses?
20 Jul 2018
APAC: not quite a cashless society
Grant Halverson | Former CEO, McLean Roche Consulting
It might be time to forget what you’ve read about the whole world going cashless.
19 Jul 2018
Data & the understanding gap
Michael Morris | Technology, Media & Telecommunications Partner, Allens
There’s a chasm between business practice on data and consumer understanding of how it is actually used.
18 Jul 2018
FURTHER READING: omni everywhere
Gemma Simpson | bluenotes contributor
It’s banking, for everyone, in one spot. Or is it? Leigh Mahoney clears the air around omnichannel.
18 Jul 2018
In payments, nothing lasts forever
Karl Hoffman | GM Credit Cards & Personal Lending, ANZ
Credit cards were never meant to be the be all and end all. What does the future hold?
18 Jul 2018
Fintech’s double-edged sword
Andrew Cornell | Managing Editor, bluenotes
Fintech is trying to reach the summit but will face the same issues as the incumbents once (or even if) it gets there.
16 Jul 2018
Her
Tony Field | bluenotes contributor
Meet Jamie, ANZ’s new assistant. She will change the way you look at banking.
16 Jul 2018
Are we the robots taking our jobs?
Carl Rhodes & Sarah Kaine | Professor & Associate Professor, University of Technology Sydney
A look at education and the future of labour in a democratically engaged workforce.
06 Jul 2018
PODCAST: open data and diagnosing financial hardship
Jemma Wight | Production Editor, bluenotes
Open banking will roll out through 2019. So what is it and what does it mean for consumers?
05 Jul 2018
The economist vs the machine
Jack Chambers & David Plank | Economist & Head of Australian Economics, ANZ
Big data is playing an increasing role in economic analysis – but new research suggests robots won’t be replacing economists just yet.
04 Jul 2018
How to strike oil in data exploration
Andrew Cornell | Managing Editor, bluenotes
A data-enriched experience is something many fintechs see as an advantage in the fight against banks.
27 Jun 2018
Crypto’s Icarus movement
Andrew Cornell | Managing Editor, bluenotes
The BIS has delivered its result on crypto – as if the market was still waiting for advice - and it sounds like coinmania flew too close to the sun.
25 Jun 2018
How to craft a digital workspace
Kavitha Kadambi | GM Transformation Programs, Wipro
How can leaders craft modern workspaces using models, tools and procedures designed for bygone eras?
22 Jun 2018
LONGREAD: bringing out your dead data
Drew Turney | Freelance journalist
Need a file you saved 10 years ago? Good luck reading it. We explore the changing nature of digital storage.
21 Jun 2018
Why NZ can be a block party
Emma Mellow | bluenotes contributor
NZ has the perfect business environment to develop blockchain tech – and reap the many rewards.
20 Jun 2018
Q&A: on robots, why can’t we just be friends?
Andrew Cornell | Managing Editor, bluenotes
We chat to an expert panel about AI, the future of work and why we might not have to fight the robots after all.
15 Jun 2018
How AI is disrupting insurance
Peter Tilocca | Chief Underwriter, ANZ OnePath
Machine learning is helping businesses design a faster, smarter and better experience for customers and everyone in the supply chain.
14 Jun 2018
Data, social networks & the electronic edifice effect
Andrew Cornell | Managing Editor, bluenotes
Who do you trust with your personal data if you can’t trust Facebook?
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.
24 May 2018
LONGREAD: tools of commerce
Grant Halverson | Former CEO, McLean Roche Consulting
Payments systems are constantly changing and there’s a lot in store for the future, says a payments expert.
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?
15 May 2018
Lessons on crypto, fintech and regulation
Mark Evans & Alexander Malaket | ANZ & OPUS Advisory Services
Lessons learned from trade finance can teach us a lot as regulators eye consumer protections on tech like bitcoin.
15 May 2018
To get more kids into STEM, we need to change
Carina Parisella | Workforce Tribe Lead, ANZ
A rethink on the way we instill, assess and value knowledge in students is required, educator says.
14 May 2018
Privacy is dead; long live privacy
Michelle Pinheiro | Head of Enterprise Data Governance, ANZ
Our personal privacy has been declared DOA numerous times – but there may be a glimmer of hope.
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
Banking & the first-mover paradox
Michael Scotton | Head of Security Strategy, Policy & Outreach for Technology, ANZ
Data presents massive opportunities for financial services groups willing to innovate – but it also brings its fair share of risks.
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.
23 Apr 2018
NZ's robot overlords have other priorities
Miles Workman | Senior NZ Economist, ANZ
Will the rise of AI and machine learning considerably change the economic landscape in NZ?
20 Apr 2018
LONGREAD: tech shock > China shock
Richard Yetsenga | Chief Economist, ANZ
Technology is challenging the economic order far more than China ever did.
16 Apr 2018
INFOGRAPHIC: Asia’s fintech feast
Balaji Natarajan | Head of Payments and Cash Management Products Asia, ANZ
Asian nations are adopting new technologies and platforms as they push to expand their digital economies.
11 Apr 2018
PODCAST: opening up on open data
Andrew Cornell | Managing Editor, bluenotes
Open banking is coming. What are the implications – not just for banks but everyone? Two experts debate the outlook.
09 Apr 2018
Designer foods
Simone Stella | bluenotes contributor
Advances in technology means consumers may soon be targeted based on nutritional requirements.
06 Apr 2018
Digital sustainability and the journey
Lindsay Every | Client Partner & Digital Leader, Korn Ferry
Society is pushing ahead with digital innovations, will leaders be left behind?
06 Apr 2018
Banks face fork in the road – and must get off the beaten track
Carina Parisella | Workforce Tribe Lead, ANZ
MIT professor & futurist Peter Weill says banks must reinvent a model which has been very successful for a long time.
04 Apr 2018
Is it time to delete CVs and personality tests?
Carina Parisella | Workforce Tribe Lead, ANZ
In order to win in the digital future do big businesses need to morph into software companies?
29 Mar 2018
Retail, payments & supply in the Middle Kingdom
Patrick Vizzone | Head of Food, Beverage & Agribusiness, International, ANZ
Try paying for small items with cash or cards in China and expect an eye roll in response.
26 Mar 2018
Q&A: China, banks & DLTs
Shane White | Content Manager - Institutional, ANZ
Two experts chat about how Chinese banks are using blockchain technology - and the lessons Australian banks can take.
23 Mar 2018
Punch cards and when big data meant a full filing cabinet
Matt Nicol | bluenotes contributor
Before the invention of sophisticated computer software, the humble punch card helped organisations like ANZ create and store data.
21 Mar 2018
Q&A: untethered – Visa and the future of payments
Andrew Cornell | Managing Editor, bluenotes
We sit down with Chris Boncimino, Visa’s head of innovation, to chat about cryptocurrncies, QR codes, plastic cards, cash and all the other ways to pay.
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.
15 Mar 2018
On the internet, nobody knows you’re a toaster
Anne Collard | Head of Payments Capabilities & Industry, ANZ
A digital-identity system in Australia is vital as more retail and financial services migrate online.
26 Feb 2018
bluenotes debate: blocks, banks & bits
Shane White | Content Manager - Institutional, ANZ
We chat to four experts who cut through the blockchain hype and look at how banks will make effective use of the technology.
23 Feb 2018
What CFOs need to know about cybersecurity (and why)
Chris Hockings | Chief Technology Officer, IBM Security
The growing threat landscape in tech has the potential to impact the bottom line.
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?
21 Feb 2018
IWD2018 LONGREAD: 404 - women not found
Christian Venter | GM Digital Technology, ANZ
With so many global programs encouraging women to join the technology industry, the question remains: where are they all?
14 Feb 2018
INTERACTIVE: million-dollar Valentine
Catriona Noble | Managing Director Retail Distribution Australia, ANZ
Australians lost close to $A9 million in the six months leading up to Valentine’s Day.
06 Feb 2018
On the other side of the internet (there is a person)
Lynwen Connick | CISO, ANZ
On Safer Internet day, it’s important to educate ourselves and our kids on using the internet safely – but the tools we use also have role.
06 Feb 2018
Six must-have skills for leaders in the digital economy
Leo D'Angelo Fisher | Freelance journalist
The idea technology is something which happens in the IT department won’t cut it anymore.
05 Feb 2018
The new commandments for online
Erica Hardinge | Head of Security Enablement, ANZ
We’re learning more about the impact of the dark side of the net on our kids.
30 Jan 2018
Q&A: innovation never stops
Craig Sims & Shaji Farooq | GM Operations & Services, ANZ & President & CEO, BFSI, Wipro Ltd
Financial services, like all businesses, can’t be satisfied with the gains it has made in technology.
30 Jan 2018
LONGREAD: in defence of crypto
Steve Dando | Personal & Business Banker, ANZ
Say what you like about Bitcoin & crypto-currencies, the technology has innumerable upsides.
19 Jan 2018
Mobile wallet spending surges over holiday period
Steve Price | Head of Everyday Banking and Payments, ANZ
ANZ data shows rapidly growing popularity of mobile payments.
17 Jan 2018
Bitcoin: hype or hip?
Andrew Cornell | Managing Editor, bluenotes
The level of interest in bitcoin is equalled perhaps only by the dollars pouring into it – and anything remotely associated.
12 Jan 2018
Everything you’ll ever need to know about blockchain - the revised edition
Christian Venter | GM Digital Technology, ANZ
We’ve updated our longform explainer taking you through the ins and outs of something not many people fully understand.
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.
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.
18 Dec 2017
Why we need to teach kids the ABCs of STEM
Ryan Crocker & Carina Parisella | contributor & innovation editor, bluenotes
We speak to author and expert Penelope Taylor on the business imperative of ensuring children have the right skills to be fit for the jobs of the future.
08 Dec 2017
Data, ethics and the creepy line
Joanna Jordan | bluenotes contributor
Data can provide better customer outcomes– but businesses have a responsibility to use it correctly.
06 Dec 2017
PODCAST: the gap between boards and cyber risk
Paul Burrow | Security Capability Uplift Manager, ANZ
Boards are told more about cyber risk than ever before, McAfee exec says – but do they understand it?
06 Dec 2017
Scrap your wallet, save your life
Steve Price | Head of Everyday Banking and Payments, ANZ
The global wearables market is expected to be worth a staggering $US25 billion by 2019.
05 Dec 2017
LONGREAD: who's liable if AI goes wrong?
Drew Turney | Freelance journalist
AI choices have caused discrimination, racism and at least one death. When a computer's learned more than the developer has programmed into it, who do we blame?
04 Dec 2017
How the NPP will digitise payment
Kate Sutherland | bluenotes contributor
On podcast, ANZ’s Nigel Dobson and NPP’s Adrian Lovney chat about the real-time future of the Australian payments sector.
29 Nov 2017
Australia ranked 2nd in digital connectivity
Michelle Evans | Head of Digital Consumer Research, Euromonitor International
Strong investment and consumer adoption puts Australia in rare air globally.
16 Nov 2017
Beyond bitcoin: the open blockchain
Mark Ebeling | CTO Blockchain & FinServ, IBM
Blockchain for enterprise has emerged from a deeply technical world and out into the open – to the delight of investors & entrepreneurs.
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?
23 Oct 2017
Notes on banking accessibility
Fred Ohlsson | Group Executive, ANZ Australia
As payment tech develops, banks and regulators must ensure methods stays accessible for the whole community.
13 Oct 2017
In payments, fraud never changes
Steve Worthington | Professor at Swinburne University
The way we pay is changing rapidly but one thing endures: risk.
12 Oct 2017
Building a world-class NPP
Adrian Lovney | CEO at NPP Australia
Australia’s payments system, much of it decades old, is moving into the real-time world.
10 Oct 2017
Blockchain reaction
Andrew Cornell | Managing Editor, bluenotes
Cryptocurrencies are copping flak but nobody is calling foul on blockchain – and the reasons are numerous.
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.
09 Oct 2017
Apple iPhone X - the mobile banking era is over
Carina Parisella | Workforce Tribe Lead, ANZ
Banking is now about convenience – and it’s up to banks to learn where the friction points are.
06 Oct 2017
From gold bits to fitbits: payments through history
James Wilson | History editor
Remember when the $A was worth the paper it was printed on? We look at the history of tender.
27 Sep 2017
It’s time to automate the ATM
Andrew Cornell | Managing Editor, bluenotes
Does the ATM – once considered the ultimate banking innovation – even have a future?
05 Sep 2017
Tech-tock, the tech clock is ticking
Andrew Cornell | Managing Editor, bluenotes
For financial services, those who own the customer will have the highest margins.
04 Sep 2017
PODCAST: the power (and security) of your voice
Peter Dalton | Customer Experience Lead, ANZ
Mobile phones are set to become personal biometric devices, increasing security on a number of features.
16 Aug 2017
Why should banks be digital?
Andrew Cornell | Managing Editor, bluenotes
Banks need to be digital, on that all agree. But what does that actually mean? Robots, AI, branches in phones?
14 Aug 2017
Biz must adapt to tech as a service: Florian
Andrew Cornell | 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 | Customer Experience Lead, 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 | Content Manager - Institutional, ANZ
Workers share their experiences of operating in a world with computers in their pockets.
27 Jun 2017
LONGREAD: should you fear the internet of things?
Drew Turney | Freelance journalist
The internet of things world is becoming all-pervasive. Who's going to make sure it's secure?
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?
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.
11 May 2017
The ten biggest Twitter themes of #Budget2017
Shane White | Content Manager - Institutional, ANZ
Here’s what set the world of social alight on the night of the budget.
10 May 2017
Beyond Good and Evil: AI and market forces
Andrew Cornell | 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 | NZ Content Manager, ANZ
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 contributor
DevOps is a portmanteau changing the way a lot of organisations do business.
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 | Content Manager - Institutional, ANZ
On a seemingly normal Tuesday, George (not his real name) attempted to access his internet banking when he came across a message saying his account had been locked for security reasons and encouraging him to contact his bank immediately.
24 Jan 2017
Is automation really kicking goals?
Mark Lawson | Retired senior journalist
Anyone fearful of robots taking over from humans to the point of causing mass unemployment should watch a game of Robosoccer.
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 | Former General Manager Data, ANZ
“Silicon Valley is coming”. That’s what JP Morgan CEO Jamie Dimon wrote to shareholders in 2015. Dimon had been to the Valley and seen money pouring in to innovative start-ups, targeting the lending and payments space. Many other bankers have been since and come away with similar views.
23 Dec 2016
LONGREAD: When nature did it first: the art and science of biomimicry
Drew Turney | Freelance journalist
“Those who are inspired by a model other than Nature, a mistress above all masters, are laboring in vain.”
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 - Retail Banking, 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 | Content Manager - Institutional, ANZ
Australians have always had a thirst for cutting-edge technology and could be at the forefront of a push to consolidate mobile devices, de-cluttering the growing device clutter of workday life.
06 Dec 2016
Innovation and the gentle touch in NZ
Kathryn Boyde | BlueNotes contributing editor
Being called out at all hours of the night to perform an emergency c-section on a distressed cow is all in a night’s work for Ursula Haywood.
02 Dec 2016
VIDEO: MasterChef Calombaris on tech, customers & what matters in business
Phoebe O'Sullivan | BlueNotes contributing editor
Modern technology gives business the freedom to focus on what really matters: the customer experience, successful entrepreneur and chef George Calombaris says.
30 Nov 2016
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 Transaction Banking & Asset Finance Solutions, ANZ
Looking back over the last two decades of Australian banking, one of the most profound disruptions was the entrance of mortgage originators and brokers to the residential mortgage market.
29 Nov 2016
INFOGRAPHIC: Australia has chequed out
Shane White | Content Manager - Institutional, ANZ
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 contributor
The only way for banks to survive in the new world of fintech is by embracing the disruption all around them, incorporating that disruption into how they operate.
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 | Former General Manager Data, ANZ
Our lives are going digital. To successfully compete and grow today business models must fundamentally evolve - as quickly as underlying technologies.
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.