Huard Smith

Principal Analyst

Forrester Bio

Author Insights


Adapt Or Die: Banks Face An Extinction Event

Huard Smith 3 days ago
Legacy, monolithic banking systems are inflexible, siloed, and product-centric; closed, batch-based, unintelligent, and security-challenged. This puts them in existential danger.

Citizens Challenge 2019: Driving Innovation In Banking

Huard Smith October 9, 2019
Hackathons can be an excellent way for financial services firms to round out their innovation portfolios. Innovation events like these can help address changing consumer needs and behaviors, as well as competitors’ responses to them. They can help ensure the firm’s survival by adding net-new value to consumers. The Citizens Challenge, held by Citizens Bank […]

Zero Trading Fees Are Here — So Are Significant Market Cap Losses

Vijay Raghavan October 4, 2019
The correct response to digital disruption is not to engage in price wars but to strengthen customer experience.