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Efma journal cover stories


Article

Efma journal n° 225   july august september 2010

Cover Story

SME banking - The future of relationship management

- OTP Bank: Benefit from knowing your customers
- Sweden: More or fewer segments?
- Survey: Winning models from small business
- Portugal: Adjusting the commercial approach to customers
- Ubibanca: Developing relationship management performance
- Survey: Why spend money on relationship management
- Sub-segmentation: Capturing granular growth opportunities

Efma journal n° 224   april may june 2010

Cover Story

Consumer credit - Each European country will follow a different trajectory during 2010

With the regulatory changes at stake –mainly the new Consumer Credit Directive– and the growing tendency of households to use debt to finance consumption, consumer credit is becoming more and more topical. What is its role in the current consumer society? Is it just a growth driver?
What is the genuine risk of over-indebtedness and how can banks prevent and manage it? What are the structure and the performance of financial intermediaries throughout Europe? These are the main issues this cover story deals with.

Contents:
- Credit role credit as an economic growth driver
- European market the situation remains so complicated
- Transposing the consumer credit directive did you say harmonisation?
- Ing belgium innovation on the Belgian web banking market
- An interview with Hakan Binbasgil, Akbank’s deputy ceo: “we have the infrastructures to grow faster than the market.”
- New channels online banking in consumer financing
- Eastern European countries consumer credit watch in the east
- Interview with Daniela Vandone: “a way of anticipating increased future incomes.”

Efma journal n° 223   january february march 2010

Cover Story

Affluent Banking - A dynamic market gradually being structured

- INTERVIEW “To have with their banker a sparring partner and a coach”

- SAUDI ARABIA Islamic wealth management

- PRESTIGE CERTIFICATE A challenge for professionalism!

- TURKISH AFFLUENT MARKET Wealth builders and wealth preservers

- UK MARKET Banking the mass affluent in UK

- UNICREDIT The mass affluent segment in Italy

- CRM Banks step up efforts to build affluent client loyalty

- MASTERCARD The new age of affluent

- USA A voracious consumer of financial products

- EFMA COUNCIL Changes in the affluent banking sector

Efma Magazine n° 222   november december 2009

Cover Story

Banking insurance - Much more than an agreement


Contents:

- How to raise the sales productivity

- Much more than an agreement between insurers and banks

- Bancassurance goes hand in glove

- AXA Bank Europe, a new banking concept

- Pioneer in banking insurance

Efma Magazine n° 221   september october 2009

Cover Story

Cards and payments - Innovation is everywhere

Contents:
 The American card industry has to reinvent itself
 Between innovation and business models
 The market recovery in our region will be sudden
 Sepa holds benefit for customers
 Össur BV optimise their ING corporate card programme
 Avoiding confidential data loss, is it possible?
 Simplifying the offers to help customers
 A different automation story
 It’s hard to imagine life before Internet!
 A relationship built on strong partnering expertise
 A very mature Turkish credit card market . . . .

Efma Magazine n° 220   july august 2009

Cover Story

Our studies - Efma surveys published from September 2008 to May 2009

Contents:

- Affluent banking in Europe

- Entrepreneurial banking in Europe

- From proximity to intimacy Panorama of CRM in retail financial services

- Multichannel sales productivity

- Development of personal services at home: An opportunity for growth in financial services

- Prepaid cards

- Non-financial distributors of financial services

- World Insurance Report

- Islamic finance

- Small business banking in Europe

- World Retail Banking Report

- Customer service in Europe: Adapting the financial crisis

- Banks and mobile telephones: The bank in your pocket

- Managing customers with credit problems

Efma Magazine n° 219   may june 2009

Cover Story

Sponsoring and communication - More and more creative to build a strong image

Contents:

- Strategy - Europe and anti-crisis communication

- Beijing 2008 - Visa’s Olympic Games vision

- United States - Smart, efficient, sponsorship is in

- Art sponsorship - Boosting young contemporary creation

- An interview with Heleen Crielaard, Rabobank: “We sponsor structural and long-term projects”

- Sport sponsorship - A powerful, unifying and motivational tool

- HSBC - A high-end sponsoring strategy

Efma Magazine n° 218   march april 2009

Cover Story

Financial services and seniors - Innovations from around the world

Contents:

- USA - American baby boomers still need financial planning

- Europe - Banks and insurers out to capture the over-50s

- Holy Grail - Capturing and keeping the elusive senior customer

- Genworth Financial - How the US is addressing the need of long term care

- Consumer credit - An increasing use by seniors

- Czech Republic - An emerging opportunity for retail banks

- Gras Savoye - A prevention-based approach

- MetLife - The retirement transition: challenges and opportunities

- AARP - The new architecture of retirement

Efma Magazine n° 217   january february 2009

Cover Story

The branch of the future

Contents:
- Innovation - “A customised experience for all”

- Interactive sales - Raising the bar once again

- Trends - More branches are opening than closing

- USA - The ethnic banks niche is growing

- Customer experience - Finding ways to keep contact

- Caja Navarra - Branches with a future

- Bankinter - A different twist on branches and multichannel banking

- Strategy - The winner: online or branch banking

- Analysis - A need to get back to basics

- Multichannel distribution strategy - Increasing the ratio of online sales in total retail sales

Efma Magazine n° 216   november december 2008

Cover Story

Sustainable Development

Contents:

- Trends - American banking: the green approach

- Europe - Three pillars: economic, social and environmental

- HSBC - Source for developing added value services

- Dexia - A winning investment strategy

- AGF Allianz - At the heart of the strategy

- EBS - Lending in a green niche

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