Steve Pateman argues that the fundamental needs of banking customers have not changed and says that if the global financial crisis has taught us anything it is the essential value of banking services to society. He makes clear however that banks do need to change and outlines how Santander have taken an innovative approach to business banking and the success they have seen as a result.

• Should banks have a Chief Customer Officer sit on the board?
• How can data benefit both banks & customers?
• Will breaking up the big banks drive innovation?
• Have banks become too product focused?
• How do banks regain the trust of their customers?
• Can banks be consultants to businesses?
• Has online made branch banking obsolete?
• Balancing the Risks of Online Banking
• What gets you out of bed in the morning?