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Connexus : Issue 41
www.abacus.org.au 3 www.abacus.org.au 3 NEWS 6 - S&P rating for QTMB - Community First slashes rates - Driving business 7 From the CEO 9 Award for Heritage Bank Heritage Bank wins Mutual Bank of the Year at the 2012 Australian Financial Review Smart Investor Blue Ribbon Awards. - Events 10 A share of the action IMB’s share buyback is off and running and interest is expected to be strong. FEATURES 12 Gloving up for the payments prize fight The rules of engagement are changing in the payments market, and the world’s most powerful technology companies are coming out swinging. 20 Play your cards right The tide is starting to turn against ‘card not present’ fraud. 28 High and dry The uncertainty surrounding flood cover is expected to be cleared up with the release of an industry review. CONTENTS CoverStory What happened to competition? 6 30 12 20 What’s the best way to build a customer’s value to your organisation? ...start by giving them outstanding value in the first place. Life insurance is issued by ClearView Life Assurance Limited ABN 12 000 021 581 AFS Licence No. 227682. ClearView Financial Planners are Authorised Representatives of ClearView Financial Advice Pty Limited ABN 89 133 593 012, AFS Licence No. 331367. As a mutual you already know the truth of this principle. The challenge, however, is to constantly find new ways to put it into practice. At ClearView we share the same belief in the power of earning customer loyalty through value packed products and genuine, sincere service. Together we can create a unique synergy that can generate durable increases in your non-interest income. Like you, we know that maximising value to customers and to your bottom line requires a quality product, but equally vital is the effectiveness of the way those products are delivered to the customer. That’s why the partnership offering we have developed gives you: • a range of life insurance options specifically designed to fit seamlessly into your member service operations without any complex processes, training or licensing • a financial planner network that can offer your members a warm, service-driven approach that professionally and sensitively delivers quality financial planning advice • a comprehensive range of investment options, superannuation and retirement products • excellence in research and administration to back the quality of planner advice. After 20 years of partnering mutuals and helping them achieve real results, we know what works. Maybe it’s time we explored the possibilities with you? Contact Cheryl Macnaught, General Manager Strategic Partners on 02 8095 1329 or 0401 104 242, or Email firstname.lastname@example.org ClearViewisaproudsponsorofthe2012AbacusAMInstituteConvention.ComeandseeusattheClearViewcoffeestand.