Connected Consumer Drives Digital Industrialization in Banks
By Eric Disend and Jonathan Gray, Capco Meeting the expectations of digital consumers will require banks to go through industrialization...
Capco is a global business and technology consultancy dedicated solely to the financial services industry. Our professionals combine innovative thinking with our unrivalled first-hand industry knowledge to offer our clients consulting expertise, complex technology and package integration, and managed services to move their organizations forward. Through our collaborative and efficient approach, we help our clients successfully increase revenue, manage risk and regulatory change, reduce costs and enhance control. We specialize in banking; capital markets; wealth and investment management; finance, risk & compliance; and technology. We serve our clients from offices in leading financial centers across North America and Europe. To learn more, visit our website at www.capco.com.
By Eric Disend and Jonathan Gray, Capco Meeting the expectations of digital consumers will require banks to go through industrialization...
By Lane Martin, Managing Principal and Priya Gupta, Senior Consultant While the benefits of implementing check image capture in branches...
By Eric Disend, Partner What can banks do to improve their competitive position in today's evolving financial services marketplace? To...
By Eric Disend, Partner The situation facing a Capco client specializing in small-business banking demonstrates the importance of customer experience,...
By Eric Disend, Partner Digital technology is dramatically changing how banks interact with their customers. In just a few years,...
By Ian Roth changeSourcing provides financial services organizations access to strategic business and technology change (B&TC) resources via an external...
By Mark Reeves, Partner Innovation and service quality are critical for banks to succeed. Business and technology change initiatives play...
By Mark Reeves, Partner Faced with a continually sluggish economy, banks continue to look for ways to improve their cost...
By Michael Connor, Managing Principal Financial institutions, venture capitalists and any organization that believes in mobile payments are busy building...
By David Oxenstierna , Capco Partner In today’s world of unrelenting regulatory growth accompanied by challenged revenues and margins, banks...
| Cookie | Duration | Description |
|---|---|---|
| __cfruid | session | Cloudflare sets this cookie to identify trusted web traffic. |
| __RequestVerificationToken | session | This cookie is set by web application built in ASP.NET MVC Technologies. This is an anti-forgery cookie used for preventing cross site request forgery attacks. |
| _abck | 1 year | This cookie is used to detect and defend when a client attempt to replay a cookie.This cookie manages the interaction with online bots and takes the appropriate actions. |
| 34f6831605 | session | General purpose platform session cookie, used by sites written in JSP. Usually used to maintain an anonymous user session by the server. |
| a64cedc0bf | session | General purpose platform session cookie, used by sites written in JSP. Usually used to maintain an anonymous user session by the server. |
| ak_bmsc | 2 hours | This cookie is used by Akamai to optimize site security by distinguishing between humans and bots |
| ARRAffinity | session | ARRAffinity cookie is set by Azure app service, and allows the service to choose the right instance established by a user to deliver subsequent requests made by that user. |
| ARRAffinitySameSite | session | This cookie is set by Windows Azure cloud, and is used for load balancing to make sure the visitor page requests are routed to the same server in any browsing session. |
| AWSELB | session | Associated with Amazon Web Services and created by Elastic Load Balancing, AWSELB cookie is used to manage sticky sessions across production servers. |
| bm_sz | 4 hours | This cookie is set by the provider Akamai Bot Manager. This cookie is used to manage the interaction with the online bots. It also helps in fraud preventions |
| cf_ob_info | past | The cf_ob_info cookie is set by Cloudflare to provide information on HTTP Status Code returned by the origin web server, the Ray ID of the original failed request and the data center serving the traffic. |
| cf_use_ob | past | Cloudflare sets this cookie to improve page load times and to disallow any security restrictions based on the visitor's IP address. |
| CONCRETE5 | session | This cookie is set by the provider Concrete5 web content management system. This is a necessary cookie used for maintaining the user session between pages. |
| connect.sid | 1 month | This cookie is used for authentication and for secure log-in. It registers the log-in information. |
| cookielawinfo-checkbox-advertisement | 1 year | Set by the GDPR Cookie Consent plugin, this cookie is used to record the user consent for the cookies in the "Advertisement" category . |
| cookielawinfo-checkbox-analytics | 11 months | This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics". |
| cookielawinfo-checkbox-functional | 11 months | The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". |
| cookielawinfo-checkbox-necessary | 11 months | This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary". |
| cookielawinfo-checkbox-others | 11 months | This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other. |
| cookielawinfo-checkbox-performance | 11 months | This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance". |
| cookiesession1 | 1 year | This cookie is set by the Fortinet firewall. This cookie is used for protecting the website from abuse. |
| crmcsr | session | General purpose platform session cookie, used by sites written in JSP. Usually used to maintain an anonymous user session by the server. |
| ep201 | 30 minutes | This cookie is set by Wufoo for load balancing, site traffic and preventing site abuse. |
| JSESSIONID | session | The JSESSIONID cookie is used by New Relic to store a session identifier so that New Relic can monitor session counts for an application. |
| LS_CSRF_TOKEN | session | Cloudflare sets this cookie to track users’ activities across multiple websites. It expires once the browser is closed. |
| PHPSESSID | session | This cookie is native to PHP applications. The cookie is used to store and identify a users' unique session ID for the purpose of managing user session on the website. The cookie is a session cookies and is deleted when all the browser windows are closed. |
| sxa_site | session | This cookie is used to identify the webiste visitor's session state across page requests on server. |
| ts | 3 years | PayPal sets this cookie to enable secure transactions through PayPal. |
| ts_c | 3 years | PayPal sets this cookie to make safe payments through PayPal. |
| viewed_cookie_policy | 11 months | The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data. |
| wordpress_test_cookie | session | This cookie is used to check if the cookies are enabled on the users' browser. |
| Cookie | Duration | Description |
|---|---|---|
| __cf_bm | 30 minutes | This cookie, set by Cloudflare, is used to support Cloudflare Bot Management. |
| _zcsr_tmp | session | Zoho sets this cookie for the login function on the website. |
| 663a60c55d | session | This cookie is related to Zoho (Customer Service) Chatbox |
| bcookie | 2 years | LinkedIn sets this cookie from LinkedIn share buttons and ad tags to recognize browser ID. |
| bscookie | 2 years | LinkedIn sets this cookie to store performed actions on the website. |
| e188bc05fe | session | This cookie is set in relation to Zoho Campaigns |
| geo | session | This cookie is used for identifying the geographical location by country of the user. |
| iamcsr | session | Zoho (Customer Support) sets this cookie and is used for tracking visitors (for performance purposes) |
| lang | session | LinkedIn sets this cookie to remember a user's language setting. |
| language | session | This cookie is used to store the language preference of the user. |
| lidc | 1 day | LinkedIn sets the lidc cookie to facilitate data center selection. |
| optimizelyEndUserId | 1 year | Optimizely uses this cookie to store a visitor's unique identifier which is a combination of a timestamp and a random number. Different variations of web parts are shown to users that optimizes the website's user experience. |
| tableau_locale | session | Tableau uses this cookie to determine the preferred language and country-setting of the visitor - This allows the website to show content most relevant to that region and language. |
| UserMatchHistory | 1 month | LinkedIn sets this cookie for LinkedIn Ads ID syncing. |
| Cookie | Duration | Description |
|---|---|---|
| AWSELBCORS | 20 minutes | This cookie is used by Elastic Load Balancing from Amazon Web Services to effectively balance load on the servers. |
| Cookie | Duration | Description |
|---|---|---|
| __gads | 1 year 24 days | The __gads cookie, set by Google, is stored under DoubleClick domain and tracks the number of times users see an advert, measures the success of the campaign and calculates its revenue. This cookie can only be read from the domain they are set on and will not track any data while browsing through other sites. |
| _ga | 2 years | The _ga cookie, installed by Google Analytics, calculates visitor, session and campaign data and also keeps track of site usage for the site's analytics report. The cookie stores information anonymously and assigns a randomly generated number to recognize unique visitors. |
| _gcl_au | 3 months | Provided by Google Tag Manager to experiment advertisement efficiency of websites using their services. |
| _gid | 1 day | Installed by Google Analytics, _gid cookie stores information on how visitors use a website, while also creating an analytics report of the website's performance. Some of the data that are collected include the number of visitors, their source, and the pages they visit anonymously. |
| ajs_anonymous_id | never | This cookie is set by Segment to count the number of people who visit a certain site by tracking if they have visited before. |
| ajs_group_id | never | This cookie is set by Segment to track visitor usage and events within the website. |
| ajs_user_id | never | This cookie is set by Segment to help track visitor usage, events, target marketing, and also measure application performance and stability. |
| browser_id | 5 years | This cookie is used for identifying the visitor browser on re-visit to the website. |
| CONSENT | 2 years | YouTube sets this cookie via embedded youtube-videos and registers anonymous statistical data. |
| sid | 1 year | The sid cookie contains digitally signed and encrypted records of a user’s Google account ID and most recent sign-in time. |
| uid | 1 year | This is a Google UserID cookie that tracks users across various website segments. |
| vuid | 2 years | Vimeo installs this cookie to collect tracking information by setting a unique ID to embed videos to the website. |
| WMF-Last-Access | 1 month 21 hours 5 minutes | This cookie is used to calculate unique devices accessing the website. |
| Cookie | Duration | Description |
|---|---|---|
| _dc_gtm_UA-1038974-4 | 1 minute | Used to help identify the visitors by either age, gender, or interests by DoubleClick - Google Tag Manager. |
| _fbp | 3 months | This cookie is set by Facebook to display advertisements when either on Facebook or on a digital platform powered by Facebook advertising, after visiting the website. |
| _pxhd | past | Used by Zoominfo to enhance customer data. |
| fr | 3 months | Facebook sets this cookie to show relevant advertisements to users by tracking user behaviour across the web, on sites that have Facebook pixel or Facebook social plugin. |
| IDE | 1 year 24 days | Google DoubleClick IDE cookies are used to store information about how the user uses the website to present them with relevant ads and according to the user profile. |
| test_cookie | 15 minutes | The test_cookie is set by doubleclick.net and is used to determine if the user's browser supports cookies. |
| VISITOR_INFO1_LIVE | 5 months 27 days | A cookie set by YouTube to measure bandwidth that determines whether the user gets the new or old player interface. |
| YSC | session | YSC cookie is set by Youtube and is used to track the views of embedded videos on Youtube pages. |
| yt-remote-connected-devices | never | YouTube sets this cookie to store the video preferences of the user using embedded YouTube video. |
| yt-remote-device-id | never | YouTube sets this cookie to store the video preferences of the user using embedded YouTube video. |
| yt.innertube::nextId | never | This cookie, set by YouTube, registers a unique ID to store data on what videos from YouTube the user has seen. |
| yt.innertube::requests | never | This cookie, set by YouTube, registers a unique ID to store data on what videos from YouTube the user has seen. |
| Cookie | Duration | Description |
|---|---|---|
| 049fc2ef5beb27056b07d9e4c4d13fd3 | session | No description |
| akaalb_http_misc_subs | session | No description |
| AnalyticsSyncHistory | 1 month | No description |
| BIGipServermsocu-web-2-rr.webfarm.ms.com.10882 | session | No description |
| bm_mi | session | No description available. |
| CX_406152288 | 1 year | No description |
| DCID | 20 minutes | No description |
| debug | never | No description available. |
| DrupalVisitorMobile | session | No description available. |
| ep203 | 3 months | No description available. |
| frbatlanta#lang | session | No description |
| geo_info | 1 year | No description available. |
| GoogleAdServingTest | session | No description |
| li_gc | 2 years | No description |
| loglevel | never | No description available. |
| loom_anon_comment | session | No description available. |
| loom_referral_video | session | No description |
| mkjs_group_id | never | No description available. |
| mkjs_user_id | never | No description available. |
| MorganStanley.ClientServ.Common.IPZipAccess.IPZipCookie.DEFAULT_COOKIE_NAME | past | No description |
| NSC_us_nbsl-83+63+21+25-91 | session | No description |
| nyt-a | 1 year | This cookie is set by the provider New York Times. This cookie is used for saving the user preferences. It is used in context with video and audio content. |
| nyt-gdpr | 6 hours | No description available. |
| nyt-purr | 1 year | No description available. |
| OCC_Encrypted_Cookie | session | No description |
| polleverywhere_session_id | 14 days | No description |
| ppnet_2020 | session | No description available. |
| ppnet_2777 | session | No description available. |
| reuters-geo | session | No description |
| shell#lang | session | No description |
| smcx_0_last_shown_at | session | No description available. |
| tableau_public_negotiated_locale | session | No description available. |
| vary | 1 month | No description |
| www#lang | session | No description |
| X-Vive-Country | session | No description |
| xn_uuid | 1 month | No description |
