Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple

Page 1 <img data-url='document/banking-on-disruption-fst-2015-02-03-active-monthly-users-of-the-big-9-119bn.html?page=1' data-page='1' class='cut-thumb lazyload' alt='Page 1: Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022042300/5ecab05d92b41c3030209933/html5/thumbnails/1.jpg' width='140' height='200' /> :

Simon Pomeroy

Chief Digital Officer

Westpac New Zealand Limited

Banking on Disruption

Navigating the changing landscape

Page 2 <img data-url='document/banking-on-disruption-fst-2015-02-03-active-monthly-users-of-the-big-9-119bn.html?page=2' data-page='2' class='cut-thumb lazyload' alt='Page 2: Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022042300/5ecab05d92b41c3030209933/html5/thumbnails/2.jpg' width='140' height='200' /> Page 3 <img data-url='document/banking-on-disruption-fst-2015-02-03-active-monthly-users-of-the-big-9-119bn.html?page=3' data-page='3' class='cut-thumb lazyload' alt='Page 3: Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022042300/5ecab05d92b41c3030209933/html5/thumbnails/3.jpg' width='140' height='200' /> 3

Page 4 <img data-url='document/banking-on-disruption-fst-2015-02-03-active-monthly-users-of-the-big-9-119bn.html?page=4' data-page='4' class='cut-thumb lazyload' alt='Page 4: Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022042300/5ecab05d92b41c3030209933/html5/thumbnails/4.jpg' width='140' height='200' /> : 4

Page 5 <img data-url='document/banking-on-disruption-fst-2015-02-03-active-monthly-users-of-the-big-9-119bn.html?page=5' data-page='5' class='cut-thumb lazyload' alt='Page 5: Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022042300/5ecab05d92b41c3030209933/html5/thumbnails/5.jpg' width='140' height='200' /> 5

Page 6 <img data-url='document/banking-on-disruption-fst-2015-02-03-active-monthly-users-of-the-big-9-119bn.html?page=6' data-page='6' class='cut-thumb lazyload' alt='Page 6: Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022042300/5ecab05d92b41c3030209933/html5/thumbnails/6.jpg' width='140' height='200' /> 6

Page 7 <img data-url='document/banking-on-disruption-fst-2015-02-03-active-monthly-users-of-the-big-9-119bn.html?page=7' data-page='7' class='cut-thumb lazyload' alt='Page 7: Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022042300/5ecab05d92b41c3030209933/html5/thumbnails/7.jpg' width='140' height='200' /> 7

Page 8 <img data-url='document/banking-on-disruption-fst-2015-02-03-active-monthly-users-of-the-big-9-119bn.html?page=8' data-page='8' class='cut-thumb lazyload' alt='Page 8: Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022042300/5ecab05d92b41c3030209933/html5/thumbnails/8.jpg' width='140' height='200' /> 8

Page 9 <img data-url='document/banking-on-disruption-fst-2015-02-03-active-monthly-users-of-the-big-9-119bn.html?page=9' data-page='9' class='cut-thumb lazyload' alt='Page 9: Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022042300/5ecab05d92b41c3030209933/html5/thumbnails/9.jpg' width='140' height='200' /> Page 10 <img data-url='document/banking-on-disruption-fst-2015-02-03-active-monthly-users-of-the-big-9-119bn.html?page=10' data-page='10' class='cut-thumb lazyload' alt='Page 10: Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022042300/5ecab05d92b41c3030209933/html5/thumbnails/10.jpg' width='140' height='200' /> 10

Page 11 <img data-url='document/banking-on-disruption-fst-2015-02-03-active-monthly-users-of-the-big-9-119bn.html?page=11' data-page='11' class='cut-thumb lazyload' alt='Page 11: Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022042300/5ecab05d92b41c3030209933/html5/thumbnails/11.jpg' width='140' height='200' /> Page 12 <img data-url='document/banking-on-disruption-fst-2015-02-03-active-monthly-users-of-the-big-9-119bn.html?page=12' data-page='12' class='cut-thumb lazyload' alt='Page 12: Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022042300/5ecab05d92b41c3030209933/html5/thumbnails/12.jpg' width='140' height='200' /> 12

Page 13 <img data-url='document/banking-on-disruption-fst-2015-02-03-active-monthly-users-of-the-big-9-119bn.html?page=13' data-page='13' class='cut-thumb lazyload' alt='Page 13: Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022042300/5ecab05d92b41c3030209933/html5/thumbnails/13.jpg' width='140' height='200' /> 13

Page 14 <img data-url='document/banking-on-disruption-fst-2015-02-03-active-monthly-users-of-the-big-9-119bn.html?page=14' data-page='14' class='cut-thumb lazyload' alt='Page 14: Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022042300/5ecab05d92b41c3030209933/html5/thumbnails/14.jpg' width='140' height='200' /> Page 15 <img data-url='document/banking-on-disruption-fst-2015-02-03-active-monthly-users-of-the-big-9-119bn.html?page=15' data-page='15' class='cut-thumb lazyload' alt='Page 15: Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022042300/5ecab05d92b41c3030209933/html5/thumbnails/15.jpg' width='140' height='200' /> 15

Page 16 <img data-url='document/banking-on-disruption-fst-2015-02-03-active-monthly-users-of-the-big-9-119bn.html?page=16' data-page='16' class='cut-thumb lazyload' alt='Page 16: Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple' loading='lazy' src='data:image/gif;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mNk+P+/HgAFhAJ/wlseKgAAAABJRU5ErkJggg==' data-src='https://reader033.cupdf.com/reader033/viewer/2022042300/5ecab05d92b41c3030209933/html5/thumbnails/16.jpg' width='140' height='200' />

Banking on Disruption - FST · 2015-02-03 · Active Monthly Users of the 'Big 9' 1.19bn 250m 150m Tube Ibn 232m 70m 300m 181m 50m* kimber umblr. As at 15 November 2013 (multiple

Documents