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Introduction
 
Branches are now firmly back in the spotlight as the key business generation channel for European retail banks. But banks still face challenges in terms of transforming branches into genuine sales and profit centers. A drive for improved strategy execution and CRM-enablement, together with ongoing infrastructure renewal, will open up a $2bn market opportunity for vendors by 2007.
 

 
Scope
 
Coverage of all the main Western European markets
 
Market sizing forecasts to 2007, broken down by country, source and infrastructure / applications
 
Analysis of the vendor market and critical success factors
 
Highlights
 
Banks need to develop a precise strategy for aligning strategy, operations and technology in branches. Branches need to be considered as a set of ``branch components`` which can be combined to produce a tailored offering that is perfectly aligned to the needs of the customer base.
 

 
Spend will grow at a CAGR of 9.1% from 2004-7, equating to a $2bn market opportunity. External spending will drive growth, driven primarily by software investments although services growth will also be robust. UK, France and Germany are the major geographies, but Italy and Spain represent fast-growth opportunities.
 

 
Reasons to Purchase
 
Size your addressable market to 2007
 
Understand the key success factors for technology
 
Understand the key drivers behind branch renewal initiatives in Europe over the next few years
 

TABLE OF CONTENTS
 
EXECUTIVE SUMMARY 3
 
KEY FINDINGS 4
 
Market Context 4
 
Competitive Dynamics 4
 
Market Opportunity 5
 
MARKET CONTEXT 8
 
Introduction 8
 
Branch renewal in 2004 – key pain points 9
 
Developing a “branch blueprint” 10
 
Critical success factors 11
 
The strategic vision – aligning branch objectives with customer behavior 11
 
The operational vision 17
 
The technology vision 21
 
COMPETITIVE DYNAMICS 29
 
Introduction 29
 
Convergence is the key dynamic 29
 
Challenges and success factors for application providers 31
 
Profiles of selected desktop application providers 33
 
MARKET OPPORTUNITY 36
 
Introduction 36
 
Application investment is poised to overtake infrastructure spend by 2007 37
 
External spend dominates investment, driven by strong software growth 39
 
France, Germany and the UK drive branch renewal IT spend 41
 
APPENDIX 43
 
Definitions 43
 
Future readings 44
 
SPP writing team 44