As the banking industry emerges from the fall out of the financial crisis, its sights are firmly set on business growth through innovation in products and services. Achieving this requires a step-change in the way banks meet the challenges of an increasingly mobile and demanding consumer base. With more customers considering exercising their right to move banks due to lower confidence levels and concern that their finances are safe, the pressure is on to attract and retain customers by providing better access to more attractive products and services.

This paper looks at the ways that banks are having to adapt to rise to these challenges, the constraints they face and how innovative changes in IT infrastructure can release time, money and capacity to meet the demands of the new banking landscape.