Gartner Blog Network

Kristin R. Moyer
Research Vice President
14 years at Gartner
more than 20 years IT industry

Kristin Moyer is a Research Vice President in Industry Advisory Services/Banking and Investment Services. She has more than 20 years of experience across the global high-technology industry in a variety of roles. Ms. Moyer's research coverage includes… Read Full Bio

The Programmable Business Model

by Kristin Moyer  |  October 2, 2015

One, static business model can no longer retain market leadership for long. Most enterprises have one (or a small number of) relatively static business model that is/are internally created and controlled.   New business models are a foundation of digital business transformation. It’s not digital business without business model innovation. Looking to the future, the […]

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Retail Banking is Not Dead Yet

by Kristin Moyer  |  October 7, 2014

Nonbanks are changing the rules of digital banking, leading many to question the relevance of retail banks. The days of bank bashing should end. Few nonbanks have sustainable business models, and banking CIOs can take advantage of this situation. Digital firms and nonbank startups are leading to the irrelevance and demise of retail banks, according […]

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Banks are in a Race to Remain Relevant

by Kristin Moyer  |  June 6, 2014

Digitalization is blurring the boundaries between industries to the point that some will cease to exist. Will banking be one of them? Anyone can build a bank. For example, peer-to-peer lending turns everyone into a bank. Banks could potentially have to compete against every individual because each person could be a lender. In fact, individuals […]

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Where’s That App? The Rise of Banking App Stores

by Kristin Moyer  |  April 8, 2014

Few banks have deployed their own customer app stores. However, the high demand for apps is causing challenges that could negatively impact sales and user experience. Bank CIOs, CMOs and line-of-business heads should evaluate the potential need for bank-specific app stores. iTunes, Google Play and other public app stores provide a highly visible and free […]

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API Deployment Models that Accelerate Digital Banking

by Kristin Moyer  |  March 5, 2014

Digitalization is ushering in a seismic change in the way products are consumed, services are delivered, and revenue and costs are allocated. Customer experience is at the center of this change. The balance of power has shifted fundamentally in favor of the user, but line-of-business leaders have yet to purposefully give more control to users […]

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Managing Nexus Fatigue

by Kristin Moyer  |  January 8, 2014

The Nexus of Forces is absolutely transformational and is changing the nature of business and even how individuals think of business, finance and money itself. However, there is also a dark side to the Nexus of Forces. In many ways, the nexus has led to a disconnected, anti-social world with extreme tiredness of mobile, social, […]

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Digital Banking and the Role of APIs, Apps and App Stores

by Kristin Moyer  |  December 11, 2013

  Open banking uses APIs, apps and app stores to create radically different approaches to identity, data and intelligence, access and delivery, and location and context (customers, please see this research for more details). Because of this, open banking is a key enabler to becoming a digital bank. Banking apps are growing at more than […]

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Euro Crisis: 50% of Firms Stuck Behind the Planning Eight Ball

by Kristin Moyer  |  January 20, 2012

Contributed by David Furlonger Today we conducted our Euro Crisis Webinar. 416 participants were surveyed about: Whether their enterprise had plans in place to deal with a worsened euro crisis Whether the euro crisis has impacted their IT budget Whether the euro crisis would influence investments in innovation Results of the polling revealed that 50% […]

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Euro Crisis:Get Ready for More Regulation and Protectionism.

by Kristin Moyer  |  January 10, 2012

Contributed by David Furlonger   [ Register Now For January 19th webinar: Euro Crisis Webinar ] An interesting article appeared on Reuters yesterday: Financial repression is here and may be helpful. It discusses and supports the potential for greater control over the financial markets by governments, including a continuation of the current schemes that print more money […]

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Euro Crisis: What is the Connection between Hypothecation and the Future of Money?

by Kristin Moyer  |  December 20, 2011

Contributed by David Furlonger On the weekend, I read a rather alarming commentary by David Stockman European Banking System is on the Verge of Collapse. While this analysis clearly highlights the fragility of bank balance sheets, it doesn’t dig deeply into the graver issue facing the Eurozone policy makers and indeed the world –  that […]

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