About Forrester
Forrester Research, Inc. is an independent research company that provides pragmatic and forward-thinking advice to global leaders in business and technology.

Andy is a member of Forrester's Business Technology Futures team, which serves CIOs and their business partners by predicting the long-term business impact of information technology. His research focus is on smart computing and analytics and tech-driven business transformation, analyzing the shifting economics of the industry, including spending, budgeting, and the influence of macroeconomic trends.
He also researches the growing customization of IT systems for industry-specific applications, especially in the utilities, energy, and professional services sectors. He is also a thought leader in the sourcing and procurement technology markets.
Andy has extensive experience in the technology market and in strategic planning, both as an analyst and a practitioner in the business world. He came to Forrester through its acquisition of Giga Information Group in 2003, where he had worked as a vice president and research leader since 1998. Prior to joining Giga, Andy held a variety of vice president positions at American Express in the chairman's office, technologies, strategic planning, and re-engineering. Before joining American Express, Andy worked as an economist, writer, and editor for various organizations, including Shearson Lehman Brothers; the US House of Representatives' Committee on Banking, Finance, and Urban Affairs; and the Council on Wage and Price Stability in the Executive Office of the President.
Andy has been a regular participant in Forrester's IT Forum conferences, delivering keynote addresses in 2006 and 2007 with colleagues on the future of software. He has also been a recurring presenter at Conference Board conferences on eProcurement and eSourcing. He has been quoted in leading business and technology publications, including BusinessWeek, The Economist, The New York Times, and The Wall Street Journal.
Andy earned a B.A. in philosophy from Haverford College and a Ph.D. in history from Johns Hopkins University.

In Germany, as many consumers now bank online as in the branch. Younger, better-educated customers with higher incomes are migrating to the Internet and the mobile channel. While the Web is becoming...

Forrester Evaluates Mobile Banking At The Four Largest UK Banks
With customer expectations rising and substantial business at stake, digital banking strategy teams know they must keep improving their mobile services. This is one of three reports that detail the...
Progressive Secures The Top Position, Barely Edging Out GEICO
Forrester evaluated the secure Web sites of the four largest US private passenger auto insurance providers — Allstate Insurance, GEICO, Progressive Casualty Insurance, and State Farm Mutual...
Spanish banks have been at the forefront of banking innovation in Europe, yet customer behavior in Spain has been slow to change. Spanish customers are more likely than customers almost anywhere in...
Our research shows that a key driver of deeper customer relationships among financial services consumers is a trait we call "customer advocacy" — the perception on the part of customers that a...
Advanced PFM Goes Beyond The Firm's Existing Website Offering, And The eBusiness Team Applies The Lessons To The Website
In July 2011, Citibank officially launched its first ever tablet banking app, but the true breakthrough took place five months earlier, when eBusiness leaders at the bank began the process of...
One-Third Of Small Business Owners Research Financial Services Products Online
Three in four small business owners have used the Internet for at least one banking activity in the past year. But which channels do owners use to shop for the financial products they use for their...
Ten Areas Of Focus For The Next 12 Months
Expect 2011 to be an exciting year in financial services, driven for the most part by the increasingly important role of eBusiness and channel strategy professionals. The rise of smartphones, the...
Responsive Web Design And Agile Development Prove A Winning Formula
With mobile and tablet usage now mainstream, Forrester believes that eBusiness teams must find time-to-market and cost efficiencies in their digital development processes. In previous research we...
Forrester conducted an online survey fielded in November 2011 of 4,030 US Hispanic individuals ages 18 to 75. For results based on a randomly chosen sample of this size (N = 4,030), there is 95%...
The Age Of The Customer Drives Four Insurance eBusiness Mega Trends
Four market forces are putting the squeeze on insurance eBusiness professionals in 2012. What should eBusiness and channel strategy executives be thinking about as they forge ahead this year? This...

Forrester conducted an online survey fielded in October 2012 of 5,612 Canadian individuals ages 18 to 88. For results based on a randomly chosen sample of this size (N = 5,612), there is 95%...
Forrester conducted a mail survey fielded in August and September 2010 of 5,621 US and Canadian households and individuals ages 18 and older. For results based on a randomly chosen sample of this...
Capital One Takes The Top Spot For 2010
For the first time, Forrester evaluated the public Web sites of the nine largest North American credit card issuers — American Express, Bank of America, Bank of Montreal, Capital One (US),...
Take An Agile Approach To Support Customers Across Multiple Touchpoints
The rapid development of customer touchpoints, increasing customer expectations, and the pressure for success in the competitive market forces eBusiness and channel strategy executives at financial...
Forrester Evaluates The Top Four Banking Providers' Client-Facing Mobile Offerings
Mobile banking adoption is growing at a rapid rate, and banking providers continue to invest more and more resources in their mobile services. We applied our Mobile Banking Functionality Benchmark...

Citibank Takes The Top Spot For 2011
Forrester evaluated the online sales process of the six largest US banks — Bank of America, Chase, Citibank, PNC Financial Services, U.S. Bank, and Wells Fargo — using our Website User...