GET https://rct.dev.bbntimes.com/financial/branch-of-the-future-is-an-utopia

Response
200 OK
IP
216.73.216.222
Profiled on
Token
c0e135

ArticleController :: show

Request

GET Parameters

None

POST Parameters

None

Uploaded Files

None

Request Attributes

Key Value
_controller 
"App\Controller\ArticleController::show"
_firewall_context 
"security.firewall.map.context.main"
_links 
Symfony\Component\WebLink\GenericLinkProvider {#3608
  -links: [
    3729 => Symfony\Component\WebLink\Link {#3729
      -href: "/build/runtime.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3727 => Symfony\Component\WebLink\Link {#3727
      -href: "/build/644.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3726 => Symfony\Component\WebLink\Link {#3726
      -href: "/build/502.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3725 => Symfony\Component\WebLink\Link {#3725
      -href: "/build/app.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3724 => Symfony\Component\WebLink\Link {#3724
      -href: "/build/view-more.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3723 => Symfony\Component\WebLink\Link {#3723
      -href: "/build/term-condition.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3722 => Symfony\Component\WebLink\Link {#3722
      -href: "/build/contact.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3721 => Symfony\Component\WebLink\Link {#3721
      -href: "/build/scroll-infinite-article.js"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "script"
      ]
    }
    3720 => Symfony\Component\WebLink\Link {#3720
      -href: "/build/app.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3719 => Symfony\Component\WebLink\Link {#3719
      -href: "/build/cookie-style.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3718 => Symfony\Component\WebLink\Link {#3718
      -href: "/build/term-condition-css.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3717 => Symfony\Component\WebLink\Link {#3717
      -href: "/build/contact-css.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
    3716 => Symfony\Component\WebLink\Link {#3716
      -href: "/build/comment-css.css"
      -rel: [
        "preload" => "preload"
      ]
      -attributes: [
        "as" => "style"
      ]
    }
  ]
}
_route 
"article_show"
_route_params 
[
  "category" => "financial"
  "slug" => "branch-of-the-future-is-an-utopia"
]
_security_firewall_run 
"_security_main"
_stopwatch_token 
"505628"
category 
"financial"
slug 
"branch-of-the-future-is-an-utopia"

Request Headers

Header Value
accept 
"*/*"
accept-encoding 
"gzip, br, zstd, deflate"
connection 
"close"
cookie 
"PHPSESSID=ptbca9f3ja44bsn4tkhjq26j5s"
host 
"rct.dev.bbntimes.com"
user-agent 
"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)"
x-php-ob-level 
"1"

Request Content

Request content not available (it was retrieved as a resource).

Response

Response Headers

Header Value
cache-control 
"no-cache, private"
content-type 
"text/html; charset=UTF-8"
date 
"Sat, 31 May 2025 02:13:47 GMT"
link 
"</build/runtime.js>; rel="preload"; as="script",</build/644.js>; rel="preload"; as="script",</build/502.js>; rel="preload"; as="script",</build/app.js>; rel="preload"; as="script",</build/view-more.js>; rel="preload"; as="script",</build/term-condition.js>; rel="preload"; as="script",</build/contact.js>; rel="preload"; as="script",</build/scroll-infinite-article.js>; rel="preload"; as="script",</build/app.css>; rel="preload"; as="style",</build/cookie-style.css>; rel="preload"; as="style",</build/term-condition-css.css>; rel="preload"; as="style",</build/contact-css.css>; rel="preload"; as="style",</build/comment-css.css>; rel="preload"; as="style""
x-debug-token 
"c0e135"

Cookies

Request Cookies

Key Value
PHPSESSID 
"ptbca9f3ja44bsn4tkhjq26j5s"

Response Cookies

No response cookies

Session 6

Session Metadata

Key Value
Created 
"Sat, 31 May 25 02:13:16 +0000"
Last used 
"Sat, 31 May 25 02:13:45 +0000"
Lifetime 
0

Session Attributes

Attribute Value
_csrf/https-comment 
"6wKuqmv_DREhRt7xLjKWs4EO2F5ZrneihfBZP5X_LDw"
_csrf/https-cookie_accept 
"M359CF7lM3d0g4uiXyROfE99f2RSZAbGznBOJgUCfSM"

Session Usage

6 Usages
Stateless check enabled
Usage
Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:76
Show trace 
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    "function" => "require_once"
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:79
Show trace 
[
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/security-csrf/TokenStorage/SessionTokenStorage.php"
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:52
Show trace 
[
  [
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    "line" => 52
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:56
Show trace 
[
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    "type" => "->"
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    "line" => 76
    "function" => "handleRaw"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/Kernel.php"
    "line" => 197
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/runtime/Runner/Symfony/HttpKernelRunner.php"
    "line" => 35
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\Kernel"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
    "line" => 29
    "function" => "run"
    "class" => "Symfony\Component\Runtime\Runner\Symfony\HttpKernelRunner"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php"
    "line" => 5
    "args" => [
      "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
    ]
    "function" => "require_once"
  ]
]
Symfony\Component\Security\Core\Authentication\Token\Storage\UsageTrackingTokenStorage:41
Show trace 
[
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/security-core/Authentication/Token/Storage/UsageTrackingTokenStorage.php"
    "line" => 41
    "function" => "getMetadataBag"
    "class" => "Symfony\Component\HttpFoundation\Session\Session"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/twig-bridge/AppVariable.php"
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    "function" => "getToken"
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    "function" => "twig_get_attribute"
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    "class" => "__TwigTemplate_824a013e4f3f4a68e03a2d244e765025"
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    "function" => "displayWithErrorHandling"
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    "line" => 379
    "function" => "display"
    "class" => "Twig\Template"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/twig/twig/src/TemplateWrapper.php"
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    "function" => "render"
    "class" => "Twig\Template"
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  [
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    "line" => 280
    "function" => "render"
    "class" => "Twig\TemplateWrapper"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/framework-bundle/Controller/AbstractController.php"
    "line" => 448
    "function" => "render"
    "class" => "Twig\Environment"
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  [
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    "line" => 453
    "function" => "doRenderView"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
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    "line" => 253
    "function" => "doRender"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
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    "function" => "render"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
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    "function" => "renderHeader"
    "class" => "App\Controller\AppController"
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  [
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    "function" => "handleRaw"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpCache/SubRequestHandler.php"
    "line" => 86
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/Fragment/InlineFragmentRenderer.php"
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    "function" => "handle"
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    "function" => "render"
    "class" => "Symfony\Component\HttpKernel\Fragment\FragmentHandler"
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  [
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    "function" => "render"
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  [
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  [
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    "function" => "displayWithErrorHandling"
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  [
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    "function" => "display"
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    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/twig/twig/src/Template.php"
    "line" => 367
    "function" => "displayWithErrorHandling"
    "class" => "Twig\Template"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/twig/twig/src/Template.php"
    "line" => 379
    "function" => "display"
    "class" => "Twig\Template"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/twig/twig/src/TemplateWrapper.php"
    "line" => 38
    "function" => "render"
    "class" => "Twig\Template"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/twig/twig/src/Environment.php"
    "line" => 280
    "function" => "render"
    "class" => "Twig\TemplateWrapper"
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  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/framework-bundle/Controller/AbstractController.php"
    "line" => 448
    "function" => "render"
    "class" => "Twig\Environment"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/framework-bundle/Controller/AbstractController.php"
    "line" => 453
    "function" => "doRenderView"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/framework-bundle/Controller/AbstractController.php"
    "line" => 253
    "function" => "doRender"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/src/Controller/ArticleController.php"
    "line" => 277
    "function" => "render"
    "class" => "Symfony\Bundle\FrameworkBundle\Controller\AbstractController"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 181
    "function" => "show"
    "class" => "App\Controller\ArticleController"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 76
    "function" => "handleRaw"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/Kernel.php"
    "line" => 197
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/runtime/Runner/Symfony/HttpKernelRunner.php"
    "line" => 35
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\Kernel"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
    "line" => 29
    "function" => "run"
    "class" => "Symfony\Component\Runtime\Runner\Symfony\HttpKernelRunner"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php"
    "line" => 5
    "args" => [
      "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
    ]
    "function" => "require_once"
  ]
]
Symfony\Component\Security\Http\Firewall\ContextListener:171
Show trace 
[
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/security-http/Firewall/ContextListener.php"
    "line" => 171
    "function" => "remove"
    "class" => "Symfony\Component\HttpFoundation\Session\Session"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/event-dispatcher/Debug/WrappedListener.php"
    "line" => 116
    "function" => "onKernelResponse"
    "class" => "Symfony\Component\Security\Http\Firewall\ContextListener"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/event-dispatcher/EventDispatcher.php"
    "line" => 220
    "function" => "__invoke"
    "class" => "Symfony\Component\EventDispatcher\Debug\WrappedListener"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/event-dispatcher/EventDispatcher.php"
    "line" => 56
    "function" => "callListeners"
    "class" => "Symfony\Component\EventDispatcher\EventDispatcher"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/event-dispatcher/Debug/TraceableEventDispatcher.php"
    "line" => 139
    "function" => "dispatch"
    "class" => "Symfony\Component\EventDispatcher\EventDispatcher"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 214
    "function" => "dispatch"
    "class" => "Symfony\Component\EventDispatcher\Debug\TraceableEventDispatcher"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 202
    "function" => "filterResponse"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
  ]
  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/HttpKernel.php"
    "line" => 76
    "function" => "handleRaw"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/http-kernel/Kernel.php"
    "line" => 197
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\HttpKernel"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/symfony/runtime/Runner/Symfony/HttpKernelRunner.php"
    "line" => 35
    "function" => "handle"
    "class" => "Symfony\Component\HttpKernel\Kernel"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
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    "function" => "run"
    "class" => "Symfony\Component\Runtime\Runner\Symfony\HttpKernelRunner"
    "type" => "->"
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  [
    "file" => "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php"
    "line" => 5
    "args" => [
      "/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/vendor/autoload_runtime.php"
    ]
    "function" => "require_once"
  ]
]

Flashes

Flashes

No flash messages were created.

Server Parameters

Server Parameters

Defined in .env

Key Value
APP_ENV 
"dev"
APP_SECRET 
"0a988e63f011514eaabfc650b599af4d"
CORS_ALLOW_ORIGIN 
"*"
DATABASE_URL 
"mysql://bbndb_rctuser:33F5W25z40or0f7@localhost:3306/rct_bbntimes"
GOOGLE_RECAPTCHA_SECRET_KEY 
"6LdV5fgpAAAAANxzTG8ZMfIjil1wu-1vrQvnUt-x"
GOOGLE_RECAPTCHA_SITE_KEY 
"6LdV5fgpAAAAAENKcn73MJAhQrbtQeqgyC4wDLMP"
MAILER_DSN 
"smtp://no-reply%40rct.dev.bbntimes.com:Bl6%26gLD48%26Of919@rct.dev.bbntimes.com:465"
MARIADB_PASSWORD 
"i!87pK&!85ezc8"

Defined as regular env variables

Key Value
APP_DEBUG 
"1"
BASE 
"/public"
CONTEXT_DOCUMENT_ROOT 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com"
CONTEXT_PREFIX 
""
DOCUMENT_ROOT 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com"
FCGI_ROLE 
"RESPONDER"
GATEWAY_INTERFACE 
"CGI/1.1"
HTTPS 
"on"
HTTP_ACCEPT 
"*/*"
HTTP_ACCEPT_ENCODING 
"gzip, br, zstd, deflate"
HTTP_CONNECTION 
"close"
HTTP_COOKIE 
"PHPSESSID=ptbca9f3ja44bsn4tkhjq26j5s"
HTTP_HOST 
"rct.dev.bbntimes.com"
HTTP_USER_AGENT 
"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)"
PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
PATH 
"/usr/local/sbin:/usr/local/bin:/usr/sbin:/usr/bin:/sbin:/bin:/snap/bin"
PHP_SELF 
"/public/index.php"
PP_CUSTOM_PHP_CGI_INDEX 
"plesk-php81-fastcgi"
PP_CUSTOM_PHP_INI 
"/var/www/vhosts/system/rct.dev.bbntimes.com/etc/php.ini"
QUERY_STRING 
""
REDIRECT_BASE 
"/public"
REDIRECT_HTTPS 
"on"
REDIRECT_PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_HTTPS 
"on"
REDIRECT_REDIRECT_PASSENGER_COMPILE_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_PASSENGER_DOWNLOAD_NATIVE_SUPPORT_BINARY 
"0"
REDIRECT_REDIRECT_SCRIPT_URI 
"https://rct.dev.bbntimes.com/financial/branch-of-the-future-is-an-utopia"
REDIRECT_REDIRECT_SCRIPT_URL 
"/financial/branch-of-the-future-is-an-utopia"
REDIRECT_REDIRECT_SSL_TLS_SNI 
"rct.dev.bbntimes.com"
REDIRECT_REDIRECT_STATUS 
"200"
REDIRECT_REDIRECT_UNIQUE_ID 
"aDpl29ex0iebahazj_ClewAAABE"
REDIRECT_SCRIPT_URI 
"https://rct.dev.bbntimes.com/financial/branch-of-the-future-is-an-utopia"
REDIRECT_SCRIPT_URL 
"/financial/branch-of-the-future-is-an-utopia"
REDIRECT_SSL_TLS_SNI 
"rct.dev.bbntimes.com"
REDIRECT_STATUS 
"200"
REDIRECT_UNIQUE_ID 
"aDpl29ex0iebahazj_ClewAAABE"
REDIRECT_URL 
"/public/financial/branch-of-the-future-is-an-utopia"
REMOTE_ADDR 
"216.73.216.222"
REMOTE_PORT 
"54783"
REQUEST_METHOD 
"GET"
REQUEST_SCHEME 
"https"
REQUEST_TIME 
1748657627
REQUEST_TIME_FLOAT 
1748657627.1961
REQUEST_URI 
"/financial/branch-of-the-future-is-an-utopia"
SCRIPT_FILENAME 
"/var/www/vhosts/dev.bbntimes.com/rct.dev.bbntimes.com/public/index.php"
SCRIPT_NAME 
"/public/index.php"
SCRIPT_URI 
"https://rct.dev.bbntimes.com/financial/branch-of-the-future-is-an-utopia"
SCRIPT_URL 
"/financial/branch-of-the-future-is-an-utopia"
SERVER_ADDR 
"5.196.1.209"
SERVER_ADMIN 
"[no address given]"
SERVER_NAME 
"rct.dev.bbntimes.com"
SERVER_PORT 
"443"
SERVER_PROTOCOL 
"HTTP/1.1"
SERVER_SIGNATURE 
"<address>Apache Server at rct.dev.bbntimes.com Port 443</address>\n"
SERVER_SOFTWARE 
"Apache"
SSL_TLS_SNI 
"rct.dev.bbntimes.com"
SYMFONY_DOTENV_VARS 
"APP_ENV,APP_SECRET,DATABASE_URL,MARIADB_PASSWORD,CORS_ALLOW_ORIGIN,MAILER_DSN,GOOGLE_RECAPTCHA_SECRET_KEY,GOOGLE_RECAPTCHA_SITE_KEY"
UNIQUE_ID 
"aDpl29ex0iebahazj_ClewAAABE"

Sub Requests 5

CookieController :: renderAnalysis (token = 8e2a5b)

Key Value
_controller 
"App\Controller\CookieController::renderAnalysis"
_format 
"html"
_locale 
"en"
_stopwatch_token 
"53e44b"

ArticleController :: trendingArticle (token = c6fb56)

Key Value
_controller 
"App\Controller\ArticleController::trendingArticle"
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"html"
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"en"
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"7b538f"
category 
"Finance"

ArticleController :: relatedArticles (token = 266ee9)

Key Value
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"App\Controller\ArticleController::relatedArticles"
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"html"
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"en"
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"5becc2"
current_article 
App\Entity\Article {#1094
  -id: 2418
  -title: "Branch of the future is an Utopia "
  -slug: "branch-of-the-future-is-an-utopia"
  -introtext: "<p class="p2"><span class="s1">Whether it is Bank of Queensland with their&nbsp;<a href="http://www.finextra.com/news/fullstory.aspx?newsitemid=26274"><span class="s2">Hipster Branch</span></a>&nbsp;launch, Citi’s famed Apple Store Branches NAB’s&nbsp;<a href="http://crowd.com.au/nab-rollout/"><span class="s2">Crowd concept</span></a>, Unicredit “Branch of the Future” in Italy and&nbsp;<a href="http://www.unicreditbulbank.bg/en/Media_Centre/News/2013/EN_NEWS_20_03_2013"><span class="s2">Bulgaria</span></a>, PNC’s Tellerless Branches, smaller regional players like <a href="http://thefinancialbrand.com/40870/banks-new-branch-design-just-better/"><span class="s2">South Shore Bank</span></a>&nbsp;and Conestoga <a href="http://www.bankwerx.com/"><span class="s2">Bank Werx</span></a>, or the launch of Video Interactive Teller’s</span><span class="s3"> </span><span class="s1">for TEB, Ion Bank, Banca Popolare and others, we seem to be hearing about new ‘Branches of the Future’ constantly. However, with <a href="http://novantas.com/branch-closures-round-two-2/"><span class="s2">declining branch activity</span></a>&nbsp;across the board in developed markets, is the very term&nbsp;branch of the future&nbsp;part of the problem? When BankWerx launched their new ‘branch of the future’ the press reported that they were offering&nbsp;<i>free Wifi, phone charging stations&nbsp;and&nbsp;free coffee</i>&nbsp;to engage prospective customers. Then other banks opened up next door.</span></p>\r\n"
  -content: """
    \r\n
    <p class="p2"><span class="s1"><a href="http://www.i-amonline.com/thinking/next-bank-asia"><span class="s2">Jon Blakeney</span></a>&nbsp;from i-AM Associates discussed in a passionate talk how bank branches should be about todays customer, not the bank branch of the future.&nbsp;“No one has ever asked us to design the restaurant of the future”&nbsp;said Blakeney in his recent Next Bank keynote, and in that statement alone we identify one of the key hangups that banks have over changing distribution models.</span></p>\r\n
    <p class="p2"><span class="s1">With branches having been so central to the distribution model of banking in the past, it’s obvious that many banks will struggle to let go of this mode of revenue delivery, at least until such time that branches become clear loss leaders. Thus, for now there appears an inordinate amount of effort being put into ‘saving’ the old distribution models with a rethink, reboot or refresh – a future iteration that might restore the old behaviors of customers.</span></p>\r\n
    <p class="p2"><span class="s1">The problem is that the economics of branching is struggling as footfall declines (see&nbsp;<a href="http://www.thisismoney.co.uk/money/saving/article-2701837/Going-going-gone-A-small-town-loses-THREE-banks-year.html"><span class="s2">Going, Going, Gone!</span></a>), and while in some emerging markets branch traffic is still increasing on a net basis as the middle-class grows and large numbers of unbanked are becoming “banked”, the overall outlook for branch networks is still trending negative. Just as it has been on a net basis for most storefront retail of other easily digitized products such as books, music, movies, etc.</span></p>\r\n
    <p class="p2"><span class="s1">The problem here for banks though, is one of focus. Branch activity largely is not declining because the branch is simply&nbsp;<i>designed poorly</i>, has&nbsp;<i>too many tellers&nbsp;</i>or teller stations, or <i>doesn’t have enough technology</i>&nbsp;embedded – it is declining because customers just don’t need to visit branches like they used to. Banks should be cognizant of the fact that while refreshing branches will help with some segments of existing customers, and might reduce overall network cost, it’s not going to reverse consumer behavior trending away from branches.</span></p>\r\n
    <p class="p2"><span class="s1">The looming issue is new revenue. According to Javelin Strategy and Research, Gen Y income will soon exceed that of Baby Boomers. By 2020, their income is projected to&nbsp;<a href="https://www.javelinstrategy.com/brochure/200"><span class="s2">exceed that of both Baby Boomers and Gen X</span></a>. That’s just six years away. 78% of these Gen Yers cite Mobile Banking&nbsp;as the single most important factor for choosing a bank. But the problem for banks is simple – mobile doesn’t produce revenue. For leading banks they might generate 10-15% of their revenue via online today, but the bulk of revenue is still recognized in the branch (often incorrectly so).</span></p>\r\n
    <h2 class="p2"><span class="s1" style="color: #10228b;">How Do We Transition?</span></h2>\r\n
    <p class="p2"><span class="s1">We’ve got all this real-estate, what do we do with it?</span></p>\r\n
    <p class="p2"><span class="s1">There are three key questions or issues on the changes impacting distribution methodology that continually come up:</span></p>\r\n
    <ol class="ol1">\r\n
    <li class="li3"><span class="s1">How do we get customers back in the branch?,</span></li>\r\n
    <li class="li3"><span class="s1">What do we do with all this real-estate we’ve got, and</span></li>\r\n
    <li class="li3"><span class="s1">We’ve got 5 year contracts with all these landlords, we just can’t unwind our presence that quickly</span></li>\r\n
    </ol>\r\n
    <p class="p2"><span class="s1">The first two questions often obfuscate strategy because the primary problem is not fit of the branch to the business, but how to fix under performing branch networks. The last becomes a business case issue – is it worth closing or downsizing a branch. Granted when most of those real estate contracts were signed there was a great deal more skepticism over the risk to branches.</span></p>\r\n
    <p class="p2"><span class="s1">However, the core metrics of branches need to be honestly assessed against the potential for future revenue. Those core metrics need to start with the simple measure of&nbsp;average number of annual visits per individual customer per year.&nbsp;This is the core measure of engagement that we often miss when looking at future branch potential on revenue.</span></p>\r\n
    <h2 class="p2"><span class="s1" style="color: #10228b;">Show Me The Money Baby, Not The Friction!</span></h2>\r\n
    <p class="p2"><span class="s1">The real trick, though, is providing a viable alternative revenue stream through mobile, tablet and web. For that we need a compliance leap – we need compliance on board with digital onboarding of customers, or at a minimum a reduced application/documentation workload for both new and existing customers.</span></p>\r\n
    <p class="p2"><span class="s1">A single view of the customer, and a progressive or tiered KYC approach. In a&nbsp;<a href="http://www.fatf-gafi.org/media/fatf/content/images/AML%20CFT%20measures%20and%20financial%20inclusion.pdf"><span class="s2">report issued in June of 2011</span></a>, the Financial Action Task Force (the global AML standards body) suggested banks and FIs look at this as a solution for better AML compliance, lower costs and for improved financial inclusion. However, the tiered KYC approach also allows for better revenue delivery in real-time and via mobile.</span></p>\r\n
    <p class="p2"><span class="s1">Banks like Fidor are already using this progressive KYC strategy, allowing you to open an account via Facebook initially.</span></p>\r\n
    <p class="p2"><span class="s1">Remember, one of the core reasons we still prefer the branch as banks, is the preference by compliance teams for unique, signed application forms for each product application – this model must die. It simply does not fit with the future of revenue delivery.</span></p>\r\n
    <p class="p2"><span class="s1">Revenue delivery via mobile is inversely correlated with compliance friction. The more unnecessary friction I put in the process, the more unlikely it is that I will ever realistically compete with the branch in respect to revenue delivery.</span></p>\r\n
    <h2 class="p2"><span class="s1" style="color: #10228b;">Building the Bank of the Future</span></h2>\r\n
    <p class="p2"><span class="s1">The Bank of the future is all about engagement and relevance. A branch of the future strategy is an effort to retain relevance, but it misses the key point that engagement in-branch is in decline for other reasons. Beyond a spike when a new branch layout is launched, I’ve not seen any data that shows significant improved engagement over time – you can bet if we were seeing this trend then the branch of the future enthusiasts would be yelling it from the rooftops.</span></p>\r\n
    <p class="p2"><span class="s1">Here’s the thing – I know we need new branch layouts that remove tellers. I know we need service points, and that they’ll likely be much smaller footprints, but replacing older larger branches so there’s no perceived drop in service. I know complex product revenue will still come through the branch. But we should be talking about building the bank of the future, and not just the branch of the future.</span></p>\r\n
    <p class="p2"><span class="s1">Within just a year the branch will be the least visited and least engaged channel in the channel mix for retail banks in the US, UK, Germany, France, Australia, etc. If your primary distribution or revenue strategy is improving the efficiency of your lowest performing, least engaged channel – then&nbsp;you’re doing it wrong.</span></p>\r\n
    <p class="p2"><span class="s1">I know many of you will argue that it’s still about revenue – that most of the revenue comes through the branch. How can we change that without investment in engagement outside of the branch? That’s the key problem with focusing on a branch of the future strategy – we avoid the real work that needs to be done. In doing so, we might just jeopardize the entire future of the bank.</span></p>\r\n
    <p class="p1">A version of this article first appeared in Breaking Banks.</p>\r\n
    <h2><span style="color: #10228b;">About the Author</span></h2>\r\n
    <p><span style="color: #000000;">Brett King is a widely recognised top 5 FinTech influencer. He is a futurist, an Amazon bestselling author, an award winning speaker, hosts a globally recognized radio show (<span style="color: #808080;">Breaking Banks</span>), is the <span style="color: #808080;"><a style="color: #808080;" href="https://moven.com/">CEO of Moven</a></span>, and in his spare time enjoys flying as an IFR pilot, scuba diving, motor racing, gaming (mostly FPS) and Sci-Fi. He advised the Obama administration on the Future of Banking, and has spoken on the future in 50 countries in the last 3 years.</span></p>\r\n
    <p><span style="color: #000000;"><span style="color: #808080;">Breaking Banks</span>,&nbsp;#1 show&nbsp;on<a style="color: #000000;" href="https://www.voiceamerica.com/show/2193/breaking-banks-fintech">&nbsp;<span style="color: #808080;">VoiceAmerica Business</span></a>, is the leading&nbsp;global fintech podcast with more than 5.5 million listens from 172 countries.&nbsp;<span style="color: #808080;">Breaking Banks broadcasts</span>, are live every Thursday at 3pm EST&nbsp;in NYC&nbsp;on 1160AM WVNJ Radio and globally via VoiceAmerica’s Business Channel.&nbsp;</span></p>\r\n
    <p><span style="color: #000000;">His latest book <span style="color: #808080;"><a style="color: #808080;" href="https://www.amazon.com/Bank-4-0-Banking-everywhere-never/dp/9814771767">Bank 4.0: Banking everywhere, never at a bank</a></span> will be shortly released on Amazon.</span></p>
    """
  -user: Proxies\__CG__\App\Entity\User {#1092 …}
  -createdAt: DateTime @1534431127 {#1145
    date: 2018-08-16 14:52:07.0 UTC (+00:00)
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  -updatedAt: DateTime @1628460386 {#1150
    date: 2021-08-08 22:06:26.0 UTC (+00:00)
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  -category: App\Entity\Category {#445 …}
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  -imageCard: Proxies\__CG__\App\Entity\File {#1184 …}
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    date: 2018-08-16 14:52:04.0 UTC (+00:00)
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  -metakey: ""
  -metadesc: "Whether it is Bank of Queensland with their\u{A0}Hipster Branch\u{A0}launch, Citi’s famed Apple Store Branches NAB’s\u{A0}Crowd concept, Unicredit “Branch of the Future” in Italy and\u{A0}Bulgaria, PNC’s Tellerless Branches, smaller regional players like South Shore Bank\u{A0}and Conestoga Bank Werx, or the launch of Video Interactive Teller’s for TEB, Ion Bank, Banca Popolare and others, we seem to be hearing about new ‘Branches of the Future’ constantly. "
  -robots: null
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    date: 2018-08-16 14:52:04.0 UTC (+00:00)
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AppController :: renderFooter (token = 24f51a)

Key Value
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"App\Controller\AppController::renderFooter"
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"html"
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"faf988"

CookieController :: renderCookie (token = b021b1)

Key Value
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"App\Controller\CookieController::renderCookie"
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"html"
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"en"
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"bb4f08"