“We are launching this joint initiative as Accenture increasingly focuses on the emergence of the ‘digital bank,’ which we believe will give shape to a new era in global banking,” said Juan Pedro Moreno, global managing director of Accenture’s banking practice. “Today, innovations in new technology, skills and processes are levers that matter more than ever as digital banks emerge.”Patrick Desmarès added: “We are proud to launch this joint initiative, which presents innovations on a true global basis and awards those innovations from the bankers' perspective.” About Efma As a global not-for-profit organisation, Efma brings together more than 3,300 retail financial services companies from over 130 countries. With a membership base consisting of almost a third of all large retail banks worldwide, Efma has proven to be a valuable resource for the global industry, offering members exclusive access to a multitude of resources, databases, studies, articles, news feeds and publications. Efma also provides numerous networking opportunities through working groups, online communities and international meetings. For more information: www.efma.com or email@example.com. About Accenture Accenture is a global management consulting, technology services and outsourcing company, with approximately 266,000 people serving clients in more than 120 countries. Combining unparalleled experience, comprehensive capabilities across all industries and business functions, and extensive research on the world’s most successful companies, Accenture collaborates with clients to help them become high-performance businesses and governments. The company generated net revenues of US$27.9 billion for the fiscal year ended Aug. 31, 2012. Its home page is www.accenture.com. Accenture helps financial institutions transform their customer relationships through Accenture Distribution and Marketing Services, a business service within Accenture’s financial services operating group, serving more than 100 institutions worldwide. Accenture Distribution and Marketing Services combines Accenture’s deep industry knowledge in banking, insurance and wealth management with proven expertise in marketing, distribution and innovation. It blends Accenture’s management consulting, technology and outsourcing capabilities – including its assets and expertise in digital innovations, like analytics and mobile – to help institutions improve growth and cost management through better customer relationships.