Letter From the Editor Annemarie Earley - 7 December 2001 The coming year is guaranteed to be a period of extraordinary economic and geopolitical uncertainty. Gartner's financial team recognizes that its enterprise clients will need special tools to survive and succeed in this difficult time. Therefore, we have created a special Predicts 2002 issue of the Financial Services Spotlight: a series of research reports designed to offer clear, actionable insight into the forces that will affect the financial industry in 2002. Gartner cannot predict what events and trends will shape the world economy in the next 12 months, of course. We can, however, offer our clients a framework for decision making in this complex and difficult time. We have done this by developing best-, moderate- and worst-case scenarios. These scenarios cover the Financial Services practice areas, and take into account possible developments on the geopolitical, macroeconomic, business and consumer fronts.  Read more

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	Overview Looking Ahead: Financial Services Predictions for 2002 Kimberly Harris - 7 December 2001 Although 2002 may be a challenging year for FSPs, success may be obtained from strategy realignment and technical savvy.

Marketing Budgets Under Fire: FSP Strategies for 2002 Kimberly Collins - 3 December 2001 Financial services providers' marketing departments are facing intense pressure to justify their expenditures and targeted-marketing investments. The recession will only increase this challenge in 2002.		Taking Insurance CRM to the Next Stage in 2002 Kimberly Harris - 6 December 2001 The historically risk-averse insurance industry recently has seen more early adoption of customer-centric business models. However, changed industry conditions have made insurers look more critically at CRM projects.
Consumer E-Billing: Rising From Trough of Disillusionment Avivah Litan, Michael Cruz and Linda Marshall - 3 December 2001 As forecasted, the U.S. consumer e-billing market climbed out of the "Trough of Disillusionment" in 2001. For 2002, an even steeper rise in consumer adoption is forecast, with online account management as the big winner.		E-Billing Adoption Factors: Control What You Can in 2002 Avivah Litan - 4 December 2001 Anthrax scares and the questionable safety and reliability of the U.S. Postal Service is encouraging consumers and billers to pursue e-billing more aggressively. Although it is a temporary jolt, e-billing will grow steadily in 2002.
Three Wireless Financial Services Scenarios for 2002 Bradford Adrian - 3 December 2001 In 2002, wireless systems and applications will increase in importance for FSPs. The prevailing economic, political and social climate will determine the specific motivations and drivers of rollout and support.		Logical Architectures in Uncertain Times: 2002 Predictions Mary Knox - 29 November 2001 Best practices in financial services logical architectures and data standards will drive toward a single, logically consistent, polycentric data source. Business goals and gains will vary based on economic and political conditions.
Strategic Shifts: Core Systems to Application Integration Don Free - 6 December 2001 The 2002 focus of most financial institutions won't be core system features and functionality, but cost containment and component integration. External factors will control the degree to which these goals are pursued.		Challenges Ahead for Insurers: E-Business May Suffer Kimberly Harris - 4 December 2001 Although many insurers underwent new strategy development in 2001, a more cautious approach will be taken to e-business in 2002.