Introduction
Increased competition and margin pressure is forcing banks to focus on customer relationships; developing a distribution strategy which encompasses new channel, business intelligence and security technologies, among others, will be key to future success.

Scope
Discusses current market trends in the US and Europe
Discusses implications and industry dynamics for retail banking institutions
Highlights
Many retail banking markets in Western Europe and North America are reaching maturity. As competition intensifies, banks are finding it increasingly difficult to differentiate themselves from competitors, to maintain margins and to find growth opportunities.

The requirement for multiple channels results in the need for them to be fully integrated in order for customers to experience seamless service across the bank. By standardizing data, processes, communications and best practice across channels, banks can reduce inconsistencies and errors caused by replication and process duplication.

The role of the ATM has been changing; where it has typically played the role of cash dispenser, the increase in the use of electronic payments means that its future in that form is not sustainable. However, by experimenting with additional functionality, banks are updating the self-service concept and developing it into a more complete channel.

Reasons to Purchase
Gain visibility on the distribution dynamics in the European and North American retail banking markets
Gain market insight to assist in your strategic planning and go-to-market strategy