White Papers

  • Generation Z - The Next Wave of Customers for Banks

    Generation Z - White paper

    For a decade or more, banks have been targeting the Millennial customer born between 1980 and 1994.

    But today Millennials are as likely to be senior managers within many retail banks.

    So perhaps attention should shift to the next wave of new customers called Generation Z?

    This white paper explores Generation Z, their behaviours, attitudes to banks and finance, and how banks can appeal to them.

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  • How can Banks Balance Digital Transformation with IT Costs?

    IT Costs in Bank - White Paper

    Digital transformation can mean huge IT costs.

    While traditional banks are absolutely right to invest, how can they do it in a way that doesn’t overstretch their budget?

    Discover Auriga’s top tips for banks saving money while future-proofing their business.

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  • The importance of cash and ATMs in today’s payments landscape

    White Paper - Banking - Importance of Cash and ATMS

    Cash and ATMs still have an important role to play in our everyday lives, and will continue to do so for the foreseeable future.

    However not all banks are able to leverage the full potential of self-service devices: banks that do not invest enough in their ATMs risk missing out on inherent benefits of the technology, such as improving customer engagement and creating new opportunities and services.

    Download the white paper to find out what banks should be doing to retain customers and mantain access to cash.

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  • Extreme Remote Banking: how and why banks should make investing a priority?

    White Paper Banking - Extreme Remote Banking

    Extreme remote banking – a term encompassing the provision of banking services in extremely remote, rural communities – should be a key focus for every UK retail bank right now.


    There are potential ramifications of new legislation on banks, as well as ethical debates around the accessibility of financial services in small communities.

    Banks should therefore invest in and maintain remote banking to avoid missing out on not just revenue opportunities, but more importantly, valuable relationships with customers.

    Download the white paper to find out what should banks be doing to improve access to financial services in small communities and remote areas.

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  • Top Banking Trends for 2019 and How Banks Need to Prepare

    Banking Trends for 2019

    What does 2019 have in store for banking?

    This white paper explores the key banking trends that will shape the industry throughout the year and how banks need to prepare.

    Discover how bank branch location, fintech partnerships, AI experimentation and more will impact banking over the next twelve months in our white paper.

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  • ATMs and Age Friendly Banking Services to Tackle the Ageing Population Boom

    ATM Accessibility - White Paper - Banking

    When it comes to demographic trends impacting access to financial services, there has been a heavy emphasis on how the Millennials – or digital natives – are going shake up the way people bank.

    However, there is a bigger demographic tidal wave hitting the sector with our society becoming more and more dominated by ageing consumers. Banks need to adapt to a sharp increase in the number or older consumers.

    Download the white paper to find out how financial institutions should respond to the ageing population trend and improve accessibility for elderly customers.

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  • Why banks need to rethink their approach to the cloud

    Bank Cloud White Paper - Banking

    Key banking channels are hugely important to customer engagement and are nearly all in the cloud, with the ATM being left relatively untouched by cloud technologies and locked away from potential benefits.

    Exploiting cloud technologies provides the best approach, and sits somewhere in between the ‘fat’ and ‘thin’ client approaches – a solution often known as a “Smart Client”.

    Download the white paper to find out why banks need to consider a cloud-based ATM architecture to facilitate innovation to revolutionise performance and customer experience.

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  • The role of Big Data in banking and how it can drive a successful omnichannel strategy

    Big Data Banking - White Paper - Banking

    Big Data, also known as ‘digital black gold‘, is a real gold mine in terms of extracting value.

    Starting from the extracted historical customer data, a bank can motivate customers and improve the interaction with them.

    Retail banking is forecast to be one of the industries which will experience the most economic benefits from big data, though the use of it isn’t without its challenges for retail banks.

    Discover how financial institutions can turn data into action and business value in our white paper.

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  • What trends should banks be aware of as we move into 2018?

    Banking trends for 2018 - White Paper - Banking

    2018: what lies ahead for the banking industry?

    We expect to see a few large changes in 2018, all centered around digital transformation and self-service software.

    Download the white paper to discover which key banking trends lie ahead and our insight on how banks can prepare to face this year’s challenges.

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  • Three things to think about when bringing chatbots into your bank

    Chatbots in Bank - White Paper - Banking

    Artificial intelligence is on the rise, and companies everywhere are exploring how this technology can help enhance the customer experience.

    As well as explaining the three key considerations for banks bringing chatbots into the customer service experience, this whitepaper considers the future of chatbots in banking.

    Download the white paper and find out why AI promises to be a win-win for both banks and their customers.

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  • Could your bank cashier soon be replaced by chatbots?

    Cashier Replaced - White Paper - Banking

    50 years ago the first ATM marked a fundamental shift in the banking sector, and chatbots are a continuation of this automation trend.

    Although banks will undoubtedly face some teething issues along the way, the trend towards AI in banking suggests that it will be instrumental in delivering a smarter and more personalised service to clients.

    Download the white paper to find out what further work is needed if these systems are to truly revolutionise the bank-client relationship.

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  • The Internet of Things in the world of banking: potential or reality?

    IoT in Banking - White Paper - Banking

    Big Data and huge swathes of information can be harnessed to improve the customer experience.

    Although there is some way to go before banking can be truly included in the Internet of Things, it is certainly on its way, especially considering the huge innovation potential of this phenomenon.

    Download the white paper to find out more about Internet of Things and the potential for its use in banking.

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  • The challenge of digital transformation: Farewell to the traditional bank branch?

    Digital Transformation - White Paper - Banking

    The phrase “branch of the future” is more popular than ever and the challenge of a diversification in the way in which customers bank today in real.

    Generational changes in expectations also mean the smartphone generation wants more than functionalism and customisation; they want maximum value and a heightened customer experience.

    Discover how bank branches must change to fit into the varying needs and wants of today’s customers, across all generations.

    Download the white paper to find out how banks must rethink and reposition branches – the cornerstone of sales and underwriting of financial products – in their distribution strategy and relationships with customers.

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  • It is clear cash is here to stay, but banks need to improve their offering

    Cash and Banks - White Paper - Banking

    Personalising the customer experience at the ATM channel allows banks to provide a tailored and individual experience, improving customer satisfaction and loyalty.

    This can be achieved in a variety of ways, from sending messages prompting the purchase of a new product to allowing customers to personalise their online, mobile and ATM banking service.

    Auriga’s WinWebServer software suite allows customers to go one step further. Find out how in our white paper.

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  • Smart ATMs: Getting the Most from Your ATMs

    Smart ATM - White Paper - Banking

    As the number of staffed bank branches declines in the UK, the smart ATM stands as a profitable solution.

    It allows bank customers to not only withdraw cash and check their bank balances, but also replicates the services normally found behind the bank counter.

    Download the white paper to discover why the UK is the ideal environment for smart ATMs and their extensive range of capabilities.

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