Retailers and banks teaming up to exploit customer data and build profiles of choices, says FICO
Intellect analyst Ben Wilson likens the process to "open-heart surgery"
HSBC, NatWest and RBS customers temporarily unable to access accounts
With speculation that many of the losses will be in the back office and IT
Call centre redundancies do not include any back-office IT roles
Redundancies bring the total number of job cuts to 22,000 since Lloyds bought HBOS in 2008
BT confirms a networks deal worth an estimated £600m has been completed
Experts are divided over prospects for UK IT professionals
Lloyds TSB says the site will help students make their money go further
Visa says contactless payment cards will soon conquer the coffee shop, before taking over the rest of the high street