2010 will definitely bring MORE....


Man-in-the-browser attacks against banks and their customers.... It will become clear that nothing transmitted through a user's browser can be safely relied upon.

Avivah Litan, VP and Distinguished Analyst, Gartner


Global solutions to capture higher-value payments to further drive working capital management.

Kevin Phalen, integrated debt and treasury, trade and merchant product executive, Bank of America Merrill Lynch


Interest and early-stage investment in federated identity or identity access management systems.

James VanDyke, president and founder, Javelin Strategy & Research


Interest in mobile payments, increased virtualization efforts and attention to Internet banking solutions as a whole.

Jim Simpson, vp, information technology, City Bank of Texas


Business model and digital transformation....increased regulatory scrutiny will accelerate in 2010 and lead to an increased number of FI combinations.

Jeff Yabuki, president and CEO, Fiserv


And LESS....


Investment in innovation from the traditional stakeholders, leaving the door open to new participants such as PayPal, Google, Apple and others, to create and dominate new sectors.

James Hanisch, evp, Co-Op Financial Services


Time to ponder. Defensive plays to assure survival are being replaced by offensive plays to gain market share.

Till Guldimann, vice chairman, SunGard

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