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 {#3630 -links: [ 3751 => Symfony\Component\WebLink\Link {#3751 -href: "/build/runtime.js" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "script" ] } 3749 => Symfony\Component\WebLink\Link {#3749 -href: "/build/644.js" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "script" ] } 3748 => Symfony\Component\WebLink\Link {#3748 -href: "/build/502.js" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "script" ] } 3747 => Symfony\Component\WebLink\Link {#3747 -href: "/build/app.js" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "script" ] } 3746 => Symfony\Component\WebLink\Link {#3746 -href: "/build/view-more.js" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "script" ] } 3745 => Symfony\Component\WebLink\Link {#3745 -href: "/build/term-condition.js" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "script" ] } 3744 => Symfony\Component\WebLink\Link {#3744 -href: "/build/contact.js" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "script" ] } 3743 => Symfony\Component\WebLink\Link {#3743 -href: "/build/scroll-infinite-article.js" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "script" ] } 3742 => Symfony\Component\WebLink\Link {#3742 -href: "/build/app.css" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "style" ] } 3741 => Symfony\Component\WebLink\Link {#3741 -href: "/build/cookie-style.css" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "style" ] } 3740 => Symfony\Component\WebLink\Link {#3740 -href: "/build/term-condition-css.css" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "style" ] } 3739 => Symfony\Component\WebLink\Link {#3739 -href: "/build/contact-css.css" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "style" ] } 3738 => Symfony\Component\WebLink\Link {#3738 -href: "/build/comment-css.css" -rel: [ "preload" => "preload" ] -attributes: [ "as" => "style" ] } ] } |
_route | "article_show" |
_route_params | [ "category" => "financial" "slug" => "the-prototype-bank" ] |
_security_firewall_run | "_security_main" |
_stopwatch_token | "c38e0b" |
category | "financial" |
slug | "the-prototype-bank" |
Request Headers
Header | Value |
---|---|
accept | "*/*" |
accept-encoding | "gzip, br, zstd, deflate" |
connection | "close" |
cookie | "PHPSESSID=rgiahm64muakm1660ecd6lquhp" |
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 | "Wed, 16 Apr 2025 06:04:47 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 | "e3db56" |
Cookies
Request Cookies
Key | Value |
---|---|
PHPSESSID | "rgiahm64muakm1660ecd6lquhp" |
Response Cookies
No response cookies
Session 6
Session Metadata
Key | Value |
---|---|
Created | "Wed, 16 Apr 25 06:03:02 +0000" |
Last used | "Wed, 16 Apr 25 06:04:44 +0000" |
Lifetime | 0 |
Session Attributes
Attribute | Value |
---|---|
_csrf/https-comment | "QvDnJLUzSDQRPiO_MIFpDjrVDXba-yQuH6qpYiTpUqg" |
_csrf/https-cookie_accept | "6aMcB-iiw-5dIa3PiV2y5WYgnkK6nU70C-7rjvmmFnc" |
Session Usage
6
Usages
Stateless check enabled
Usage |
---|
Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:76
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:79
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:52
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:56
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Symfony\Component\Security\Core\Authentication\Token\Storage\UsageTrackingTokenStorage:41
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current_article | App\Entity\Article {#1094 -id: 5215 -title: "The Prototype Bank" -slug: "the-prototype-bank" -introtext: "<p class="p1"><span class="s1" style="color: #000000;">Getting to the bank of tomorrow seems daunting. For banks that are entrenched in physical elements such as branch distribution networks, long-held conventions around paper-led compliance procedures, embedded silos and P&L (that are more likely to collapse completely than change) – how can a change to a better bank be navigated? How are you going to issue credit cards when there is no plastic? What will checking accounts be called when you don’t issue check books anymore? The challenges facing the banking sector today are extreme.</span></p>\r\n" -content: """ \r\n <h2 class="p2"><span class="s1" style="color: #10228b;">Gaming and Silos that Frustrate Banking</span></h2>\r\n <p class="p1"><span class="s1" style="color: #000000;">This problem of change is amplified by the tendency towards <i>internal gaming</i> in the institution. As banks we compete department by department for precious budget dollars each year. We compete across product for customer, with no tangible connection between a customer who comes as a credit card account holder to a customer who has a mortgage with the exception of the brand. In this environment, how do we develop a culture of innovation, of unyielding focus on customer excellence?</span></p>\r\n <p class="p1"><span class="s1" style="color: #000000;">Embedded silos and this type of internal gaming frustrates customer innovation and improvements in the customer experience. We fight annually to retain our silo’s budget for the coming year, without a greater goal considered around whether or not those budgets are actually accomplishing what we need for the customer. We have poor metrics that reinforce existing paradigms. We lack the ability to measure customer behavior and realistically assess how customers are working with us, thus as an industry we largely ignore the obvious massive changes around mobile, social media and Internet adoption.</span></p>\r\n <p class="p1"><span class="s1" style="color: #000000;">Basically, forget the concept of any spontaneous change in organization strategy that creates an innovative bank, one that intuitively gets the customer behavioral shift – this is going to be very, very hard work.</span></p>\r\n <h2 class="p2"><span class="s1" style="color: #10228b;">Don’t Bet the Farm</span></h2>\r\n <p class="p1"><span class="s1" style="color: #000000;">The mantra of senior executives looking at social media, mobile banking and payments, next generation Internet banking, augmented reality or geo-location, and other such technology initiatives reminds us of the classic Jerry McGuire call to <b>“Show Me The Money”</b>! ROI is a massive focus, but the problem with living in a rapid adoption environment like we do today, is that if you wait to see how business models develop 2-3 years down the track to prove there is ROI, you are already going to be 4 years behind the competition.</span></p>\r\n <p class="p1"><span class="s1" style="color: #000000;">So how do you innovate when you can’t demonstrate short-term ROI, but you know that you MUST be experimenting with different approaches? How do you foster a culture of break out strategies or approaches when existing silos and gaming leave you with minimal budget to try something new?</span></p>\r\n <p class="p1"><span class="s1" style="color: #000000;">The trick is that you have to be ready to play with new ideas and test new approaches cheaper, faster and better than the traditional IT or channel deployment approaches of yester years. Your bank has to learn to prototype.</span></p>\r\n <h2 class="p2"><span class="s1" style="color: #10228b;">Playing with BANK 4.0 models</span></h2>\r\n <p class="p1"><span class="s1" style="color: #000000;">Although as a competency interaction design, usability, behavioral economics, prototyping and other such elements have been around for a couple of decades, the banking sector has largely remained immune from this type of thinking. Predominantly we’ve let bank process, policy, compliance and regulations define how we behave as a bank, and customers have had to yield to this environment. As Facebook credits, PayPal, NFC enabled iPhones and other such innovations continue to ‘bite’ we realize that as an industry we’re going to have to redesign customer journeys and improve engagement. Experimentation is a great model to help us get to where we need to go.</span></p>\r\n <p class="p1"><span class="s1" style="color: #000000;">IDEO previously attacked the redesign of the humble ATM with BBVA. The project took almost 2 years to get from prototyping to finished product, but in bank terms, this is warp speed. The traditional design process would not have produced the same outcome as what you see is the end result, which is truly a revolution in ATM design. </span></p>\r\n <h2 class="p2"><span class="s1" style="color: #10228b;">Immersion as an Observation Technique</span></h2>\r\n <p class="p1"><span class="s1" style="color: #000000;">Experiential immersion and behavioral observation studies are increasingly powerful ways to understand how customers respond to prototype environments. A few years ago, I visited NAB in Australia where I met with Mark Appleford’s team who have built an Immersion and Design Centre for the purpose of testing their NextGen approaches to engagement banking.</span></p>\r\n <p class="p1"><span class="s1" style="color: #000000;">The Immersion and Design Centre allows for rapid configuration of physical spaces and interaction, without having to actually build a physical retail environment. A large video screen and configurable room enables NAB to create a simulated environment complete with visual feedback, portable signage, ambient sounds, mock-up screens and interfaces (like a cardboard box and touch screen that doubles as an ATM). </span></p>\r\n <h2 class="p2"><span class="s1" style="color: #10228b;">Fail Often, Fail Early, Save Big Bucks</span></h2>\r\n <p class="p1"><span class="s1" style="color: #000000;">The objective in building the prototype bank is to fail often, re-iterate and get the design of the customer interaction right, while it doesn’t cost you too much to change. If you’re already at User Acceptance Testing and you find a major customer hiccup, the cost of re-architecting the solution is prohibitive – so bad designs often go live just because they are too costly to change when testing reveals problems at the user-end of the journey.</span></p>\r\n <p class="p1"><span class="s1" style="color: #000000;">If you are going to be a really innovative bank, you have to learn to experiment with different models of engagement in a cheap, but productive manner. Start thinking of ways to prototype the future of your bank.</span></p>\r\n <h2 class="p1"><span class="s1" style="color: #10228b;"><b>About the Author</b></span></h2>\r\n <p class="p2"><span class="s1" 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 class="s2">Breaking Banks</span>), is the <span class="s2">CEO of Moven</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 class="p2"><span style="color: #000000;"><span class="s3">Breaking Banks</span><span class="s1">, #1 show on<span class="s4"></span><span class="s2">VoiceAmerica Business</span>, is the leading global fintech podcast with more than 5.5 million listens from 172 countries. <span class="s2">Breaking Banks broadcasts</span>, are live every Thursday at 3pm EST in NYC on 1160AM WVNJ Radio and globally via VoiceAmerica’s Business Channel. </span></span></p> """ -user: Proxies\__CG__\App\Entity\User {#1092 …} -createdAt: DateTime @1575622805 {#1145 : 2019-12-06 09:00:05.0 UTC (+00:00) } -updatedAt: DateTime @1628461515 {#1150 : 2021-08-08 22:25:15.0 UTC (+00:00) } -deletedAt: null -category: App\Entity\Category {#445 …} -status: "published" -imageCard: Proxies\__CG__\App\Entity\File {#1184 …} -ImageHeader: Proxies\__CG__\App\Entity\File {#1184 …} -featured: false -mainView: false -clicks: 4115 -comments: Doctrine\ORM\PersistentCollection {#1125 …} -reviewed_at: DateTime @1575622805 {#1148 : 2019-12-06 09:00:05.0 UTC (+00:00) } -metakey: "" -metadesc: "Getting to the bank of tomorrow seems daunting. For banks that are entrenched in physical elements such as branch distribution networks, long-held conventions around paper-led compliance procedures, embedded silos and P&L (that are more likely to collapse completely than change) – how can a change to a better bank be navigated? How are you going to issue credit cards when there is no plastic? What will checking accounts be called when you don’t issue check books anymore? The challenges facing the banking sector today are extreme." -robots: null -publishedAt: DateTime @1575622805 {#1147 : 2019-12-06 09:00:05.0 UTC (+00:00) } -canonical: null -superTag: null } |
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