TABLE OF CONTENTS
OVERVIEW 1
Catalyst 1
Summary 1
INTRODUCTION 5
Reasons to purchase 5
US – RETAIL BANKING TECHNOLOGY SPENDING 11
Overview 11
Technology spend by business functions 13
Technology spend by location 17
TECHNOLOGY SPENDING BY SOURCE 21
Spend by source, 2005–13 21
COMPARATIVE ANALYSIS – GLOBAL AND THE US RETAIL BANKING TECHNOLOGY SPENDING 25
Overall technology spend comparison, 2005–13 25
Major country/market comparison, 2007 27
APPENDIX 29
Forecasting Methodology 29
Further reading 30
How to contact experts in your industry 30
Disclaimer 30

LIST OF FIGURES
Figure 1: Retail banking industry, US, technology spending ($m), 2005–13 11
Figure 2: Retail banking industry, US, technology spend by business function ($m), 2005–07 13
Figure 3: Retail banking industry, US, technology spend by business function ($m), 2008–13 15
Figure 4: Retail banking industry, US, technology spend by location ($m), 2005–07 17
Figure 5: Retail banking industry, US, technology spending by location ($m), 2008–13 19
Figure 6: Retail banking industry, US, technology spending by source ($m), 2005–07 21
Figure 7: Retail banking industry, US, technology spending by source ($m), 2008–13 23
Figure 8: Retail banking industry, US and Global, technology spending comparison ($m), 2005–13 25
Figure 9: Retail banking industry, Global, technology spending shares of major markets/countries (%), 2007 27
Figure 10: Retail banking industry technology spending, key stages in forecasting 29

LIST OF TABLES
Table 1: Retail banking business functions definitions 6
Table 2: Retail banking technology sources definitions 8
Table 3: Retail banking locations definitions 10
Table 4: Retail banking industry, US, technology spending ($m), 2005–13 12
Table 5: Retail banking industry, US, technology spend by business function ($m), 2005–07 14
Table 6: Retail banking industry, US, technology spend by business function ($m), 2008–13 16
Table 7: Retail banking industry, US, technology spend by location ($m), 2005–07 18
Table 8: Retail banking industry, US, technology spending by location ($m), 2008–13 20
Table 9: Retail banking industry, US, technology spending by source ($m), 2005–07 22
Table 10: Retail banking industry, US, technology spending by source ($m), 2008–13 24
Table 11: Retail banking industry, US and Global, technology spending comparison ($m), 2005–07 26
Table 12: Retail banking industry, US and Global, technology spending comparison ($m), 2008–13 26
Table 13: Retail banking industry, Global, technology spending shares of major markets/countries (%), 2007 28