Delivery Innovation: Branch Automation in Europe

by Axel Pierron, July 19, 2002


Paris, France July 19, 2002

Delivery Innovations: Branch Automation in Europe

After years of being eclipsed by electronic channels, branch renewal is emerging as a top priority at major banks. In a new report, Celent analyses the strategies developed by European Commercial Banks to leverage their branch networks


Celent痴 new report, "Delivery Innovations - Branch Automation in Europe," discusses the overall market trends accounting for the focus on the branch delivery channel, examines the immediate drivers for branch automation, and evaluates current and possible future branch innovations in European retail banking.

The continued growth of bank branches over the last decade, which has occurred in spite of the increased number of delivery channels, underlines the importance of placing branches centrally within a bank痴 multiple delivery channels.

In addition, the need to increase efficiency and enable effective cross-selling drives investment in branch automation technology. Celent Communications expects that, for the entire commercial banking industry in Europe, IT spending in branch automation will grow 6% in the next two years, increasing to 8% by 2006, to total 7.9bn.

According to Axel Pierron, author of the report, "We found that the ratio of clients to a single branch should be around 2000- 3000 : 1 in order to have a high productivity ratio. Because Branch Automation technologies can hasten all branch processes, it can raise that ratio to 3500-4500 : 1. This should create more sales opportunities within the branch and at the same time reduce the operating cost of the branch network."

Axel Pierron added that "the focus is on branch innovation more than on simply retooling traditional branches, so banks will also initiate innovative approaches to rationalize their branch network."

A Table of Contents is available online.

of Celent Communications' Retail Banking research service can download the report electronically by clicking on the icon to the left.


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Celent is a research and advisory firm dedicated to helping financial institutions formulate comprehensive business and technology strategies. Celent publishes reports identifying trends and best practices in financial services technology and conducts consulting engagements for financial institutions looking to use technology to enhance existing business processes or launch new business strategies. With a team of internationally based analysts, Celent is uniquely positioned to offer strategic advice and market insights on a global basis. Celent is a member of the Oliver Wyman Group, which is a wholly-owned operating unit of Marsh & McLennan Companies [NYSE: MMC].

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Table of Contents


  Paris, France July 19, 2002

Delivery Innovations:  Branch Automation in  Europe

Return to report Abstract


  What is Branch Automation? 7
  Branch Networks in Europe 8
  Branch Networks as Sales Channels 13
  Automation Increases Efficiencies & Reduces Costs 17
  Future Trends 20
  BNP Paribas - French Retail Banking 22
  Nordea: No More Branch Transactions 28
  Branch Automation Solutions Vendors 35

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