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Letter from the Chairmen

"Margins are pinched, loan demand has yet to recover, consumers and regulators are pushing back on all kinds of fees – in some ways, it seems as though nothing has changed over the last 12 months." Read more...

Thursday, March 14, 2013

2:15 PM - 3:00 PM
Turning Point in Multi-Channel Distribution
Moderator: Sherief Meleis, Managing Director, NOVANTAS, LLC
Peter Eliopoulos, Senior Vice President & Chief Marketing Officer, M&T BANK AND WILMINGTON TRUST
Maria P. Tedesco, Group Executive Vice President & Director of Retail and Business Banking, RBS CITIZENS FINANCIAL GROUP, INC.
James Popalis, VP Retail Real Estate and Physical Distribution Strategy, TD BANK

At a time of profound pressure on banking economics and the inexorable movement of customers to virtual channels, retail banks are re-thinking multi-channel distribution for the unfolding new era of competition. This panel discussion will present recent findings from national consumer research, including changing channel preferences. Senior bankers will discuss the customer decision process that drives multi-channel sales, emerging banking innovations and skills, and key recommendations for 2013-2014.

3:00 PM - 3:45 PM
The Payments Evolution is Now a Revolution
Vincent Hruska, Senior Vice President, Product Strategies, CITY NATIONAL BANK

We have all watched the payments business evolve over the past 20 years as critical payments moved from check to electronic, new payments uses were developed and the rise of data connected to the payment became critical. The coming changes to the payments business are not a continuing evolution, but more of a revolution, with mobile wallets, a complete transformation of how consumers will interact at the point-of-sale and virtual cards for use in the consumer and business space. This session will discuss the consumer, bank and financial impacts the changing payments landscape will have. How will banks make money in the future? How can banks prepare for this new environment? What are the impacts for businesses engaged in payments? What can banks do to differentiate in a crowded space to serve their target client segment?

4:00 PM - 4:45 PM
The Future “är nu”: What US Banks Can Learn From Scandinavia About The Future Of Retail Distribution
Moderator: Tim Spence, Partner, OLIVER WYMAN | FINANCIAL SERVICES

Significantly reduced channel profitability, declining branch service volume, and changing customer buying behaviors have created a clear imperative for US banks to evolve their legacy retail distribution systems. So, what will the future look like? With high mobile and internet adoption, low cash and check use, and surprisingly similar customer demographics, the Nordic banking markets provide important insights – and some cautionary tales – to answer this critical question. In this session, we will share profiles of the Nordic prevalent retail banking models, extrapolate key themes, and assess their fitness and potential impact for US banks.