Keeping advisers and their customers at the heart of digital processes will help drive protection innovation, writes IRESS general manager
When Bank of Scotland launched its pioneering Home Office Banking System (HOBS) in 1985 it was introducing not just a new service, but arguably a new concept. HOBS was the UK's first telephone banking and its first PC banking service, allowing customers to actively manage their accounts from the comfort of their own home, provided they had a TV screen, and telephone/modem link-up. HOBS didn't go mainstream, but it did bring in a lot of new customers - it said 60% of those who registered in...
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