JOSEPH DIVANNA is an independent author, consultant and global public speaker based in Cambridge, England, where he continues to research on the nature of business during the last ten centuries. His lectures have prompted many attendees to develop a new-found interest in the study of medieval history. A thought leader and reengineering practitioner formerly with CSC Index's Research and Advisory Services, he is currently CEO of Maris Strategies Ltd.

'This man is a real live business guru...his book...will be read by Mr DiVanna's considerable global following in the business world...and will undoubtedly be a bestseller in the right circles.' - Cambridge Paper 'Out-of-the-box thinking on the future of the financial services industry done within the context of an historical perspective, an educated view of the implications of current and future technological innovation and the insights of some of today's thought leaders.' - Adrian I. Merryman, Chief Investment Officer, Interregnum 'Joe DiVanna's book illuminates the fundamental opportunities for the Financial Services Industry to reinvent itself. Joe illuminates the historic foundations of this industry while identifying the transformational processes and technologies available to take advantage of these opportunities for industry reinvention. Now all that is needed is the will of Financial Services companies to do so!' - David Sutherland, Managing Director, The Business Innovation Consortium 'Mr. DiVanna cuts the Gordian knot of bits, bots and banks. The historical, geographical and business perspectives are informative as well as entertaining. A wealth of models provides a ready means to gauge the future of finance.' - Jay Rogers, Senior Vice President, Darwin Partners Management Consulting 'Joe DiVanna's book broke new ground for me. His insightful comparisons and historical analogies bring an abstruse subject to life and made me think about the real issues around not just financial services, but the service industries in general. It is too easy to imagine that the situation we confront today is entirely the product of modern technology and economics. This book will help both the financial services specialist and the general reader to think outside the box. It is hard to imagine a book on this subject that is likely to hold the attention of both those constituencies, but this one does.' - David Thomas, Chief Executive, Careers Research and Advisory Centre 'Went through the book Redefining Financial Services and I think it's just great. Hope it makes up to be the book of the year.' - Ralph Richards, external consultant to UBS and to Credit Suisse First Boston 'It is very thought provoking and very well crafted. I think the book will be very well received by bankers looking to differentiate themselves from their competitors.' - Daragh O'Byrne, Senior Technical Consultant, Kindle Banking Systems

• PART 1: INTRODUCTION TO VALUE PROPOSITIONS PART 2: THE FUTURE OF BANKING SERVICES Designing the Twenty-first-century Financial Institution for Value The Future of Banking Pervasive Computing: Really Getting Know Your Toaster Convergence and the Changing Landscape of Financial Services eInsurance: Staking a Claim in the New World of Insurance Capital Markets: Global Aspirations, Regional Values and Local Fears Introducing eMarketplaces Web Projects, Infrastructure and Value Propositions Dot-com Lessons Learned: To Be or Not To Be, Value is the Question PART 3: GLOBAL VIEWPOINTS Developing Trust, Brands and Services in African Banking The Asian Advantage: A Modular Approach to Business Agility Taiwanese Collaborative Product Commerce Lifestyle Banking from Down Under The European Synconomy The Scandinavian Approach to mBanking Eastern Europe Inc. Even Shakespeare said 'What's in a name?' Developing a Twenty-first-century Middle Eastern Financial Services Agenda Diaspora Financial Services for Mobile Populations Globalization: One Size Does Not Fit All PART 4: THE FUTURE OF PAYMENT SYSTEMS An Evolution to the Exchange of Value Anticipatory Technologies and Customer Centricity Globalization, Social Adoption, International Regulation and the Evolution to Bankruptcy Privacy: Big Brother Meets the Marketing Experts Valagents: Digital Indentured Servants in the Age of eMoney PART 5: EMARKETPLACES: THE NEW FRONTIER FOR SERVICES Introducing New Financial Products and Services How to Approach the eMarketplace Space The Evolution of eMarketplaces Creating a Value Proposition Developing Centres of Competencies Selecting the Right Partners and Managing Relationships Moving into Action Conclusion: Developing a Twenty-first-century Agenda

JOSEPH DIVANNA is an independent author, consultant and global public speaker based in Cambridge, England, where he continues to research on the nature of business during the last ten centuries. His lectures have prompted many attendees to develop a new-found interest in the study of medieval history. A thought leader and reengineering practitioner formerly with CSC Index's Research and Advisory Services, he is currently CEO of Maris Strategies Ltd.

'This man is a real live business guru...his book...will be read by Mr DiVanna's considerable global following in the business world...and will undoubtedly be a bestseller in the right circles.' - Cambridge Paper 'Out-of-the-box thinking on the future of the financial services industry done within the context of an historical perspective, an educated view of the implications of current and future technological innovation and the insights of some of today's thought leaders.' - Adrian I. Merryman, Chief Investment Officer, Interregnum 'Joe DiVanna's book illuminates the fundamental opportunities for the Financial Services Industry to reinvent itself. Joe illuminates the historic foundations of this industry while identifying the transformational processes and technologies available to take advantage of these opportunities for industry reinvention. Now all that is needed is the will of Financial Services companies to do so!' - David Sutherland, Managing Director, The Business Innovation Consortium 'Mr. DiVanna cuts the Gordian knot of bits, bots and banks. The historical, geographical and business perspectives are informative as well as entertaining. A wealth of models provides a ready means to gauge the future of finance.' - Jay Rogers, Senior Vice President, Darwin Partners Management Consulting 'Joe DiVanna's book broke new ground for me. His insightful comparisons and historical analogies bring an abstruse subject to life and made me think about the real issues around not just financial services, but the service industries in general. It is too easy to imagine that the situation we confront today is entirely the product of modern technology and economics. This book will help both the financial services specialist and the general reader to think outside the box. It is hard to imagine a book on this subject that is likely to hold the attention of both those constituencies, but this one does.' - David Thomas, Chief Executive, Careers Research and Advisory Centre 'Went through the book Redefining Financial Services and I think it's just great. Hope it makes up to be the book of the year.' - Ralph Richards, external consultant to UBS and to Credit Suisse First Boston 'It is very thought provoking and very well crafted. I think the book will be very well received by bankers looking to differentiate themselves from their competitors.' - Daragh O'Byrne, Senior Technical Consultant, Kindle Banking Systems

• PART 1: INTRODUCTION TO VALUE PROPOSITIONS PART 2: THE FUTURE OF BANKING SERVICES Designing the Twenty-first-century Financial Institution for Value The Future of Banking Pervasive Computing: Really Getting Know Your Toaster Convergence and the Changing Landscape of Financial Services eInsurance: Staking a Claim in the New World of Insurance Capital Markets: Global Aspirations, Regional Values and Local Fears Introducing eMarketplaces Web Projects, Infrastructure and Value Propositions Dot-com Lessons Learned: To Be or Not To Be, Value is the Question PART 3: GLOBAL VIEWPOINTS Developing Trust, Brands and Services in African Banking The Asian Advantage: A Modular Approach to Business Agility Taiwanese Collaborative Product Commerce Lifestyle Banking from Down Under The European Synconomy The Scandinavian Approach to mBanking Eastern Europe Inc. Even Shakespeare said 'What's in a name?' Developing a Twenty-first-century Middle Eastern Financial Services Agenda Diaspora Financial Services for Mobile Populations Globalization: One Size Does Not Fit All PART 4: THE FUTURE OF PAYMENT SYSTEMS An Evolution to the Exchange of Value Anticipatory Technologies and Customer Centricity Globalization, Social Adoption, International Regulation and the Evolution to Bankruptcy Privacy: Big Brother Meets the Marketing Experts Valagents: Digital Indentured Servants in the Age of eMoney PART 5: EMARKETPLACES: THE NEW FRONTIER FOR SERVICES Introducing New Financial Products and Services How to Approach the eMarketplace Space The Evolution of eMarketplaces Creating a Value Proposition Developing Centres of Competencies Selecting the Right Partners and Managing Relationships Moving into Action Conclusion: Developing a Twenty-first-century Agenda

JOSEPH DIVANNA is an independent author, consultant and global public speaker based in Cambridge, England, where he continues to research on the nature of business during the last ten centuries. His lectures have prompted many attendees to develop a new-found interest in the study of medieval history. A thought leader and reengineering practitioner formerly with CSC Index's Research and Advisory Services, he is currently CEO of Maris Strategies Ltd.

'This man is a real live business guru...his book...will be read by Mr DiVanna's considerable global following in the business world...and will undoubtedly be a bestseller in the right circles.' - Cambridge Paper 'Out-of-the-box thinking on the future of the financial services industry done within the context of an historical perspective, an educated view of the implications of current and future technological innovation and the insights of some of today's thought leaders.' - Adrian I. Merryman, Chief Investment Officer, Interregnum 'Joe DiVanna's book illuminates the fundamental opportunities for the Financial Services Industry to reinvent itself. Joe illuminates the historic foundations of this industry while identifying the transformational processes and technologies available to take advantage of these opportunities for industry reinvention. Now all that is needed is the will of Financial Services companies to do so!' - David Sutherland, Managing Director, The Business Innovation Consortium 'Mr. DiVanna cuts the Gordian knot of bits, bots and banks. The historical, geographical and business perspectives are informative as well as entertaining. A wealth of models provides a ready means to gauge the future of finance.' - Jay Rogers, Senior Vice President, Darwin Partners Management Consulting 'Joe DiVanna's book broke new ground for me. His insightful comparisons and historical analogies bring an abstruse subject to life and made me think about the real issues around not just financial services, but the service industries in general. It is too easy to imagine that the situation we confront today is entirely the product of modern technology and economics. This book will help both the financial services specialist and the general reader to think outside the box. It is hard to imagine a book on this subject that is likely to hold the attention of both those constituencies, but this one does.' - David Thomas, Chief Executive, Careers Research and Advisory Centre 'Went through the book Redefining Financial Services and I think it's just great. Hope it makes up to be the book of the year.' - Ralph Richards, external consultant to UBS and to Credit Suisse First Boston 'It is very thought provoking and very well crafted. I think the book will be very well received by bankers looking to differentiate themselves from their competitors.' - Daragh O'Byrne, Senior Technical Consultant, Kindle Banking Systems

• PART 1: INTRODUCTION TO VALUE PROPOSITIONS PART 2: THE FUTURE OF BANKING SERVICES Designing the Twenty-first-century Financial Institution for Value The Future of Banking Pervasive Computing: Really Getting Know Your Toaster Convergence and the Changing Landscape of Financial Services eInsurance: Staking a Claim in the New World of Insurance Capital Markets: Global Aspirations, Regional Values and Local Fears Introducing eMarketplaces Web Projects, Infrastructure and Value Propositions Dot-com Lessons Learned: To Be or Not To Be, Value is the Question PART 3: GLOBAL VIEWPOINTS Developing Trust, Brands and Services in African Banking The Asian Advantage: A Modular Approach to Business Agility Taiwanese Collaborative Product Commerce Lifestyle Banking from Down Under The European Synconomy The Scandinavian Approach to mBanking Eastern Europe Inc. Even Shakespeare said 'What's in a name?' Developing a Twenty-first-century Middle Eastern Financial Services Agenda Diaspora Financial Services for Mobile Populations Globalization: One Size Does Not Fit All PART 4: THE FUTURE OF PAYMENT SYSTEMS An Evolution to the Exchange of Value Anticipatory Technologies and Customer Centricity Globalization, Social Adoption, International Regulation and the Evolution to Bankruptcy Privacy: Big Brother Meets the Marketing Experts Valagents: Digital Indentured Servants in the Age of eMoney PART 5: EMARKETPLACES: THE NEW FRONTIER FOR SERVICES Introducing New Financial Products and Services How to Approach the eMarketplace Space The Evolution of eMarketplaces Creating a Value Proposition Developing Centres of Competencies Selecting the Right Partners and Managing Relationships Moving into Action Conclusion: Developing a Twenty-first-century Agenda