We're coming to the end of the old year and the top of a new one, and that means it's time for top trend reports from Celent. These are typically some of the most downloaded reports of the year. They represent the collective thinking of the entire Celent banking team. There will be four coming out in short order:

• Top Trends in Retail Banking 2013
• Top Trends in Retail Payments 2013
• Top Trends in Corporate Paymentse 2013
• Top Trends in Corporate Banking 2013

Actually the first report is now available for download now and the second one will be available by the end of the year. These reports give you a quick idea of what Celent sees gaining momentum today, on the horizon for tomorrow, and what is trendy, but not meaningful to bankers. I hope these reports inspire you for a productive 2013.