How Banks Can Prime Themselves for Digital Transformation

Retail banking has become a digital business, spurred by the rapid spread of broadband access and affordable smart mobile devices. But digital channels will not fully replace physical channels, nor will branches disappear. The main challenge for banks is to fuse digital and physical assets into a hybrid combination that customers now demand - what we call a "digical" transformation.

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Comments (2)
The idea of making digital and in-person services is a good one. I think it'll spread around the world very quickly. International banks have already provide a various specter of services. For example I found a good on-line service that lends short term loans. This company provides free service, matching the potential borrowers with the direct payday loan lenders, cooperating in a network in a quick and easy way. You just need to fill in the application form without even faxing.
Posted by Sandra L | Monday, July 21 2014 at 2:35PM ET
Dear Sir/Ma,

We have direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease. Our bank instrument can be engaged in PPP Trading, Discounting, Signature Project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, Construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer neither do we get involved in chauffer driven offers. We deliver with time and precision as set forth in our agreement. Our terms and Conditions are reasonable, below is our instrument description.

1. Instrument: Bank Guarantee (BG/SBLC)
2. Total Face Value: Min of 1M Euro/USD (One Million Euro/USD) to Max of 5B Euro/USD (Five Billion Euro/USD).
3. Issuing Bank: HSBC, London or Deutsche Bank Frankfurt or any Top 25 WEB
4. Age: One Year, One Day
5. Leasing Price: 5.0% of Face Value plus (0.5+X)% commission fees to brokers.
6. Delivery: Bank to Bank SWIFT.
7. Payment: MT-103.
8. Hard Copy: Bonded Courier within 7 banking days.

All relevant business information will be provided upon request.

If Interested kindly contact me via Email:~
Skype ID
rajan vairawanathan
Posted by rajan v | Saturday, August 02 2014 at 2:08PM ET
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