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11 February 2000.

Delphi wins contract to advise a blue-chip UK company on the setting up a technology driven bank, www.ukstreetbank.co.uk  

This will not be yet another icannotthinkofasilliernameforabank branded tired old bank seeking a temporary @ sign stockmarket halo. Such "internet only" banks will be dinosaurs by the second half of the "zeroes", the first decade of the new century.

Warren Edwardes, Delphi Risk Management's Chief Executive, said:
"In a few years time we will no more discuss e-banking than we now describe using the telephone in banking as t-banking or the use of the fax as f-banking or the postal system as p-banking. Internet banking and even mobile phone banking simply uses current technology. The ukstreetbank operation will look beyond internet banking and seek to continually commission and develop state of the art communication technology to provide innovative but relevant banking services with a human touch. It will not relaunch itself every few years under an ever sillier name."

But technology for its own sake will not win customers without meaningful customer-driven product.
Product innovation will be by
delphi risk management

Product differentiation ideas will include:

(1) compliance with the mission of no small print.

(2) a fixed rate mortgage with no early repayment penalty, yet a lower than normal APR AND a lower headline rate

(3) an innovative portable stakeholder pension product.


Warren Edwardes, CEO

Tel: +44 171 724 4606 / Fax: +44 171 681 3546

 Warren Edwardes is author of Key financial instruments.



Delphi Risk Management: Delphi creativity Delphi communication & Delphi control are the Innovation, Communication & Risk Management arms of Delphi Risk Management Limited 

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