01 Jul 2020
Australian banking opens up
Emma Gray |
Consumers are the winners as a new era of data and banking begins in Australia.
Technology Innovation
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 | Partner Open Data and Open Banking, Deloitte
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 | 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 | Innovation editor
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 | ANZ chief economist
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 | Innovation editor
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 | Innovation editor
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 | Innovation editor
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 | ANZ chief economist
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 | Innovation editor
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 | Innovation editor
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 | Innovation editor
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 | Customer Engagement Lead, 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.
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 | Deputy Chief Executive Officer & Group Executive Wealth Australia, ANZ
What does innovation look like in the real world?
04 Jul 2016
Insights from industry breaking disruptors
Shane White | Content Manager - Institutional, ANZ
Century old industries are being turned on their head as disruptive organisations find new and innovative ways to operate and succeed in our new digital-driven world.
27 Jun 2016
VR in the office? It could be a (virtual) reality
Victoria Kanevsky | Contributing editor, BlueNotes
The applications for virtual reality in a corporate context are broad and not always obvious, according to ANZ Group General Manager Enterprise Services Delivery David Cecil but will have a more immediate impact on staff and the customer experience.
24 Jun 2016
The best practices of the modern social executive
Darren Sibson | bluenotes contributor
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 | Group General Manager Internal Audit, ANZ
Universities are full of smart people, many with brilliant ideas. Australian universities are very highly regarded on the world stage, with eight of the 39 Australian universities ranked in the top 150 in the world.
08 Jun 2016
VIDEO: Social is where your customers are
Carina Parisella | Innovation editor
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?
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 | Content Manager - Institutional, ANZ
For as long as humans have used payment systems there has been fraud. IBM Director of Counter Fraud Management Constantin von Altrock says the two sides are likely to fight each other forever - like Antonio Prohias’ Spy vs Spy. But there are steps the sector can take to mitigate the damage.
28 Apr 2016
ANZ to offer Apple Pay as digital disruption accelerates
Andrew Cornell | 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 | Customer Experience Lead, 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?