• 

  Retail Financial Services - Journal Vol. 23

•  Letter from Rob Heyvaert
•  Letter from Shahin Shojai, Editor

NOBEL LAUREATE VIEW

•   A perspective on the causes and implications of the current crisis
  
  A discussion with Prof. Edmund S. Phelps
•   A perspective on the application of risk measurement and management principles in today s environment
  
  A discussion with Prof. William F. Sharpe

DELIVERY

•   Global structured products survey Trends and issues in the market (Opinion)
  
  Michael Mahlknecht, Director, Consulting, Delta Hedge
•   Payments innovation (Opinion)
  
  Sandra Alzetta, Senior Vice President, Acceptance and Innovation, Visa Europe
•   Hedge fund marketing in an era of regulatory uncertainty (Opinion)
  
  Lucinda O. McConathy, Partner, Richards Kibbe & Orbe LLP
  Patricia C. O'Prey, Partner, Richards Kibbe & Orbe LLP
  James R. Hedges, IV, Chairman, LJH Financial Marketing Strategies
  Charlotte Luer, President, LJH Financial Marketing Strategies
•   Size effects and integrated business models in private banking (Opinion)
  
  Teodoro D. Cocca, Chair for Wealth and Asset Management, Johannes Kepler University Linz
•   From king to jack Innovations in retail financial services customer experience (Opinion)
  
  Andrew Hunt, Consultant, Capco
  Iqan Ahmed, Consultant, Capco
  Aadil Bundeally, Senior Consultant, Capco
•   Securitization of senior life settlements Managing interest rate risk with a planned duration class
  
  Carlos E. Ortiz, Associate Professor, Department of Mathematics and Computer Science, Arcadia University
  Charles A. Stone, Associate Professor, Department of Economics, Brooklyn College, City University of New York
  Anne Zissu, Associate Professor, Department of Business, Citytech, City University of New York and Research Fellow, Department of Financial Engineering, Polytechnic University
•   The art and science of marketing measurement
  
  Jacquelyn S. Thomas, Associate Professor of Integrated Marketing Communications, Northwestern University
  Sage Wagner Wodarz, Vice President, Marketing, HSBC Card and Retail Services
  Reigh Robitaille, Associate Marketing Intelligence Manager, Clorox
•   Zopa.com Innovation in the U.K. financial services industry
  
  Jamie Anderson, Adjunct Professor of Strategic Management, Tias Nimbas Business School, Tilburg University, and Associate Partner at Globalpraxis Group
  Martin Kupp, Lecturer and Program Director, Customized Solutions Group, European School of Management and Technology
•   A real options approach to valuing life settlements transactions
  
  Joseph R. Mason, Moyse/Louisiana Bankers Association Chair of Banking, Ourso School of Business, Louisiana State University, and Senior Fellow, the Wharton School
  Hal J. Singer, President, Criterion Economics LLC.
•   Strategic innovation in the financial services industry Opportunity or threat
  
  Kurt Verweire, Associate Professor, Vlerick Leuven Gent Management School, and Professor in Strategic Management
  Lutgart Van den Berghe, Executive Director and Partner, Vlerick Leuven Gent Management School, Head of the Competence Centre Entrepreneurship, Governance and Strategy, and Professor in Corporate Governance
•   Financial advice and individual investors portfolios
  
  Ralph Bluethgen, Research Assistant, e-Finance Lab in the House of Finance, Goethe University
  Andreas Gintschel, Executive Director, JPMorgan Chase Bank, N.A.
  Andreas Hackethal, Professor of Finance, Goethe University
  Armin Müller, Senior Project Manager, Private Banking, Credit Suisse
•   E.U. retail financial market integration Mirage or reality (Opinion)
  
  Karel Lannoo, Chief Executive and Senior Research Fellow at the Centre for European Policy Studies (CEPS)
•   Financial services for the unbanked in the U.S. Why, who, and what (Opinion)
  
  Steve Worthington, Professor, Department of Marketing, Monash University
•   Accounting and settlement developments in the London insurance market (Opinion)
  
  Martin Devitt, Senior Consultant, Capco
  Julian Badcock, Partner, Capco
•   Secure shared passwords The social and cultural centered design of banking services (Opinion)
  
  Supriya Singh, Professor, Sociology of Communications, RMIT Business, Royal Melbourne Institute of Technology
•   Decision science in retail banking innovation at work (Opinion)
  
  Edward Xiao-Ming Huang, Head of Decision Science - Cards & Loans, HBOS
•   Credit scoring A future beyond empirical models
  
  David J. Hand, Professor of Statistics, Department of Mathematics, Imperial College, and Institute for Mathematical Sciences, Imperial College
  Adam R. Brentnall, Research Associate, Institute for Mathematical Sciences, Imperial College
  Martin J. Crowder, Professor of Stochastic Modelling, Department of Mathematics, Imperial College
•   Credit scoring in the context of European integration: is there a future for generic models
  
  Galina Andreeva, Lecturer in Management Science, Credit Research Centre, Business School, The University of Edinburgh
  Jake Ansell, Professor of Risk Management, Credit Research Centre, Business School, The University of Edinburgh
  Jonathan N. Crook, Professor in Business Economics, and Director, Credit Research Centre, Business School, The University of Edinburgh
  
  
•   The evolution of credit bureaus in European countries
  
  Anna Matuszyk, Visiting Faculty, Quantitative Financial Risk Management Centre, University of Southampton
  Lyn Thomas,Professor of Management Science, School of Management, University of Southampton
•   Hedge fund indices for European retail investors An oxymoron
  
  Fran3ois-Serge Lhabitant, Chief Investment Officer, Kedge Capital, and Professor of Finance, HEC Lausanne and EDHEC
•   Recent trends in the number and size of bank branches An examination of likely determinants
  
  Timothy H. Hannan, Senior Economist, Federal Reserve Board
  Gerald A. Hanweck, Professor of Finance, School of Management, George Mason University, and Visiting Scholar, FDIC, Division of Insurance and Research
•   Operate a mortgage company like a factory
  
  Tyrone W. Jackson, Associate Professor of Marketing, California State University Los Angeles
  Josephine Yen, Principal, JKYen, Catalina Illades, Six Sigma Quality Master Black Belt

CAPCO INSTITUTE - NOMURA RESEARCH INSTITUTE PAPERS

•   Japanese retail banking trends
  
  Koichi Uchiyama, Senior Consultant, IT Management Consulting for Financial Sector Department, Systems Consulting, Division, Nomura Research Institute
•   Who owns the channel The changing dynamics of the bank customer interaction
  
  Michael Atack, Managing Principal, Capco
  Peter Lewis, Managing Principal, Capco