Bank Of The Future

References: ations], (Accessed 5 August 2012). 3. Accenture (2010): Basel 3 and its consequences: Confronting a New Regulatory Environment, [http://www.accenture.com/SiteCollectionDocuments/PDF/Accenture_Basel_III_and_its_Con sequences.pdf], (Accessed 5 August 2012). 4. Basel 3 (2010, rev Jun 2011): A global regulatory framework for more resilient banks and banking systems, [http://www.bis.org/publ/bcbs189.pdf], (Accessed 5 August 2012). (Accessed 5 August 2012). 6. BT and Avaya, March (2012): Personal touch should be key to banks’ future plans, [http://www.avaya.com/uk/about-avaya/newsroom/news-releases/2012/pr-270312/], (Accessed 18 July 2012). 7. Novantas U.S Multi Channel Customer Research (2012): The Rise of the Virtually Domiciled, [http://www.novantas.com/articlepdf/Novantas_US_Multi_Channel_Research_2012.pdf ], chinsights%2Fdefault%2Fen-us%2FFiles%2Fwp1591276990%2FFace-to-Face%20%20a%20EUR%2015-20bn%20multichannel%20opportunity_43e0f6bf-e712-4a6c-aa6d7eee8343e502.pdf ], (Accessed 12 June 2012) 9 10. KPMG and Innovaro (2007): Banking on Innovation? The Challenge for Retail Banks. [http://www.kpmg.com/uk/en/issuesandinsights/articlespublications/pages/banking-oninnovation-challenge-for-retail-banks.aspx]. (Accessed 6 June 2012) 11 [http://www.pwc.co.za/en_ZA/za/assets/pdf/major-banks-analysis-march-2012-v1.pdf] (Accessed 9 July 2012) 12. The Economist (19 May 2012): Special Report – International Banking, p. 5-24 13 [http://www.scribd.com/doc/99680496/Insights-for-Banks-From-the-Retailing-Sector] (Accessed 7 July 2012) 14. Goldstuck, A. World Wide Worx (2012): Internet Matters – the Quiet Engine of the South African Economy 15. SA Home Loans consumer research surveys (2007 and 2010) 16 [http://www.actuarisk.be/files/BankingSite.pdf], (Accessed 10 July 2008). 17. Welch, P. and Worthington, S. (2010), Tesco Bank and Virgin Money: prospects for banking without the banks (Accessed 12 July 2008). [http://www.banknetindia.com/banking/ibkg.htm]. (Accessed 13 July 2008). 19. Mauro, F and Tschoegl, A. (2008), Building a Global Bank: The Transformation of Bunco Santander, [http://press.princeton.edu/chapters/s8671.pdf] 20. Townsend, S and Mosala, T. (2008), Capitec and the industry, [http://www.papercamp.com/essay/33601/Capitec-Bank-And-The-Industry] July 2012). 21. Accenture (2012), Banking 2016. Accelerating growth and optimisation costs in distribution and marketing. [http://www.accenture.com/SiteCollectionDocuments/PDF/FinancialServices/AccentureBanking-2016.pdf] (Accessed 20 July 2012) 22 insights.[http://kw.wharton.upenn.edu/ey-global-banking/global-banking-2020/] (Accessed 10 May 2012) 23. Peppers & Rodgers (2009), Changing the Channel: a new approach to multi-channel strategy in the financial services industry (Accessed 3 October 2012) 24 Operating Costs. [http://www.finextra.com/Finextradownloads/featuredocs/Trends_in_Retail_Banking_Channels__Improving_Client_Service_a nd_Operating_Costs.pdf] (Accessed 18 July 2012)