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research reports

I publish research reports on various aspects of banking, both independently and in partnership with others. These include both market analysis reports and more thematic studies. This page contains details of the most recent reports.


Banking at the Checkout

An updated version of the report is available from the start of October 2007. This major report on retailers offering financial services was first published in June 2006 through ECR Publishing Partnership. The report is co-authored with Steve Worthington, Professor of Marketing at Monash Univesity in Melbourne.

The new report covers the latest developments in the UK, plus the ambitious plans of Wal-Mart, the world’s largest retailer, to expand its offer of financial services.

Please download a synopsis of the report. A complimentary bulletin based on the report is also available for download (see below).

For information on ordering a copy of the report, please visit the ECR website.


Rethinking Bank Efficiency

The original research report, first published in 2001 challenged the validity of standard metrics of bank efficiency, notably the cost/income and costs/assets ratios widely used by banks.

Please download a synopsis of the report. For a complimentary copy of the full Rethinking Bank Efficiency report, simply send an email requesting a copy.

An update of the research has been published in the Capco Journal of Financial Transformation, Volume 18, Finance Factory, November 2006, under the title Measuring efficiency in the finance factory: time for a rethink. The Journal is available from the Capco website.


UK Credit Cards – an Industry in Decline?

The UK credit card market is the largest in Europe and the second largest globally after the US. However, despite benign economic conditions, the industry is suddenly showing signs of decline. During 2006, it experienced a fall in turnover and credit outstanding, rising credit losses and various regulatory interventions.

The UK is a reference market for credit cards in Europe. The study, published in April 2007, will interest anyone keen to track the likely evolution of this key retail banking product.

Please download a synopsis of the report. A complimentary bulletin based on the report is also available for download (see below).

For information on ordering a copy of the report, please visit the ECR website.

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Research news

Banking at the Checkout - 2007-08

"the definitive study of retailer payments", Andrew Cornell, The Australian Financial Review, February 25 2008



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