Not to worry, it is now available to watch, on demand.

Online banking, mobile banking, social networking and digital money - while most of the past year has been taken up with discussing the activities of investment banks, innovations in retail banking have been redefining customer relations and client management.

The live and interactive webcast looked at a range of issues affecting retail banks in the digital age. The panel included:

• Tom Berry, Director, Carbon Communications (moderator)
• Martin Baker, Head of Retail Planning, Barclays
• Natasha Davydova, Group Head of Strategy for Technology and Operations, Standard Chartered
• Alan Banks, MD - Northern Europe, Adobe
  

Here are some highlights from the debate:

Martin Baker, Head of Retail Planning, Barclays

• ‘Worries about security and ‘your' money will happen whatever the channel'
• ‘A lot of banks have struggled to deploy new technology in branches and stores. Self-service is sent to ‘dark dingy corner''
  

Natasha Davydova, Group Head of Strategy for Technology and Operations, Standard Chartered

• ‘By 2040 only 2% of banking will be done through branches'
• ‘Mobile devices are more secure than PCs. I am not aware of anyone breaking encryption in mobile'
• ‘An average retail bank have around 150 products, but most sales come from six of those'
  Alan Banks, MD - Northern Europe, Adobe
• ‘People are used to 'beautiful experiences' with their devices. Most banking interfaces are still 'traditional' web front ends'