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Naked Banking

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Description

Description

An expose into the world of high-street banks ‚Äď and how we can protect ourselves from them

‚óŹ Written by two insiders who work for a leading high street bank

‚óŹ Everyone needs to read this book ‚Äď the tricks that banks play on us, and what we can do avoid them!

‚óŹ Provides ordinary people with the knowledge and confidence to ask their banks the right questions and to make better financial decisions

‚óŹ Controversial and daring ‚Äď this book will get huge exposure in both national and financial media


AUTHORS

Steve Hogg is Director of Commercial Propositions and Paul Riseborough is Chief Commercial Officer of Metro Bank, a leading challenger bank. Karolina Morys is formerly Head of Retail Products at Metro Bank.

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Reviews (1)

Reviews

  1. Simon Thompson, Chief Executive, Chartered Banker Institute

    “This is a brilliant, thoughtful, necessary and optimistic book, and should be required reading for all aspiring retail bankers, as well as all retail banking customers.

    Written by three current or former Metro Bank executives, including the most recent winner of the Institute‚Äôs Hutton Prize for Ethics, Paul Riseborough, ‚ÄúNaked Banking‚ÄĚ is, at times, uncomfortable reading as it lays bare many of the strategies banks employ to generate shareholder returns. Yet the premise of the book is one that most industry insiders would recognise; that the great majority of banks and bankers set out every day to do the right things, in the right ways, for their customers. This is undermined, however, by systemic factors including market structure, the lack of competition, and the costs of legacy IT systems, property portfolios and regulation. Ultimately banking, in the UK at least, struggles to create genuine value for its customers.

    The authors hope to encourage customers to take a greater interest in their finances, become more engaged with their current providers and to shop around for better deals. I hope so too; whilst the balance of responsibility always lies with banks and professional bankers to ensure products and services are appropriate for customers’ needs, outcomes would be improved if more customers adopted a more active approach.

    ‚ÄúNaked Banking‚ÄĚ may not inspire a consumer revolution. It just might help inspire and support a banker revolution, however, as a guide for future retail bankers (and regulators) keen to learn from the mistakes of the past and develop a UK banking profession we can be proud of. We will certainly be adding it to the reading list for future Chartered Bankers.‚ÄĚ

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