The Institute brings you decision intelligence and trend analysis in all financial services sectors including banking and capital markets, insurance, and asset management. FS Viewpoints offers real-time reporting and commentary on current issues affecting the industry.
Turbulence and risk lie ahead in the eurozone. Leading firms are geared for a crisis, but planning gaps still exist. Our recent survey asked leaders around the world about survival strategies. Get insight here.
Big Data is a big deal. New software tools allow Big Data to be processed in real time for accelerated roadmaps to growth. Do you have the keys to unlock true potential?
Are third parties more trouble than they're worth? For financial institutions, it's a multibillion-dollar question. Get compliance insights here.
Compliance has been around since the first loan application was signed. But compliance expectations are on a collision course with banks' capabilities. Get answers here.
Talent's tight in the financial services industry. Is your firm ready to implement strategic talent decisions to fill the gaps and meet business goals?
Accelerated product rollouts? Tablets and smartphones? Expanding regulations? See how cloud can help you keep up with changing business needs and lower support costs.
Does your IT risk management function exist solely to pass the exams? See how IT risk management can help provide strategic business value.
Insurers spend a fortune on IT but have trouble measuring the value they get from their investment. Isn't it time to know?
Distribution can offer insurers a more secure path to sustainable competitive differentiation because it directly strengthens customer relationships.
Life insurance carriers should reduce the overall number of plans offered before replacing the underlying systems supporting incentive compensation. Without simplification before system transformation, carriers will re-platform legacy problems and miss out on many possible benefits.
How are small to mid-size carriers using policy administration to leapfrog larger, better-funded competitors? Learn how to use strategic investment to get ahead.
As a life insurance company, are you prepared to keep up with changing consumer buying and behaviors? Direct distribution is the key.
Shifting demographics present potential new sources of growth for wealth management firms. Firms' success will depend on developing the right strategy for each market.
Profit margins are hurting amid regulation, industry consolidation, stagnant economic growth, and risk aversion. How are firms strategically earning consumer trust?
To adjust to the new market realities, asset managers are aggressively pushing to change their business models. Find out more by reading this report.
The digital consumer and the high cost of infrastructure have branch strategy in flux. Learn how leading banks are strategically responding to market changes.
The new economic landscape is driven by strict capital requirements, narrow net interest margins, depressed commercial lending, and fee limitations. Institutions are asking how they should best deploy their capital. In our view, they should also be focused on what resources they need to best serve their customers. Wealth management presents an attractive prospect for lending, deposit growth, and fee income. The needs of the wealthy span those of their household, their businesses, and their extended family. Financial institutions serve those needs via mortgage and small business lending, deposit and cash management solutions, investment advice, and other services.
Hedge funds are looking for ways to boost fund value, increase ROI, and ensure sustainability – and they're going to need a more formal infrastructure in place to do it.
You want to differentiate your insurance business from that of your competitors; the key is the way you gather, manage, and use data.
How insurers can evaluate and adapt their risk-management capabilities as part of an overall competitive strategy.
It's harder than ever to win market share in standard lines. Learn how the excess and surplus market can help you turn a profit in today's tough environment.
Missing the forest for the trees? Adapting underwriting intensity to boost insurance property and casualty sales
Financial institutions should develop an individual conflict-of-interest management process based on governance and organization, policies and procedures, analytics and reporting, and technology and data.
Consolidation in banking, insurance, and asset management impact profitability and drive the need for scale while economic risk is high. Alternative approaches are available for buyers and sellers in all deal environments.
Insurance industry regulatory compliance presents an opportunity for insurance companies to invest in enterprise risk management (ERM), risk modeling, accounting and valuation applications.
Traditional revenue generators are not growing to overcome new capital and regulatory requirements. Financial institutions are implementing continuous expense management programs to focus on efficiency in budgeting and reporting systems.
Retention problems for private banks in China increase the demand for experienced entry-level talent and is crucial to expanding the customer base to a wider demographic.
The eurozone debt crisis was triggered in April 2010. Operational risks remain for US firms operating in the eurozone.
Restructuring, regulatory reform, globalization, and changing consumer demands require financial institutuons to have flexible operating models to respond to market changes.
As banks race to develop mobile banking apps that satisfy consumer demands, how can they guard against the security breaches that could damage their reputation and prompt customers to flee?
Financial services customers want bundled products, customization, 24/7 access, and consistent interaction. Financial services should align IT strategy with business strategy.
Banks should replace traditional pricing with data driven approach that includes customers' needs, preferences, behaviors, purchasing patterns, and price sensitivity.
New regulations will require financial institutions to re-examine and align their customer and product portfolios across capital management, funding, and risk.
Finance leaders face accounting, regulatory, and management challenges. By reducing costs and releasing capacity, Financial institutions applying lean practices can experience cost reductions
Financial institutions must expand their services to global markets to survive. As banks are making plans to globalize, many fail due to poor project execution.
Regulatory, market, and operational needs impact commercial lending processes and systems. Banks should focus on data strategy.
The transition to registered swap dealer status for OTC market participants under Dodd-Frank will impact systems, policies and procedures.
Rising deposit levels caused by expanded money supply, customer deleveraging and low loan rates impact market competitiveness.
Mobile services have put over $20 billion in play for FS industry participants. If traditional players don't keep pace, tech innovators will prevail.
Insurance companies expanding to international markets and should develop a growth strategy tailored to their business goals and organizational profile.
Many challenges accompany the over-the-counter (OTC) derivatives market regarding valuation, capital requirements, and counterparty and liquidity management.
Financial institutions are building new IT organizational models that assess business objectives and are adapting the model as needed.
Poor upfront planning and alignment with key business drivers often means Policy Administration System (PAS) transformation programs are delivered late or over budget.
Anti-corruption is driving companies to change their behaviors. An effective anti-corruption program should reassess risks and be supported by top leadership.
A credit risk dashboard aids in identifying credit risk and helps financial institutions make better business decisions.
Insider trading can destroy client, investor, and public trust. Financial services firms are implementing robust compliance, supervisory, surveillance, and control measures to prevent and detect insider trading.
US-listed Exchange-Traded Funds (ETFs) is growing faster than traditional investments. Asset managers and financial services providers are updating their ETF operating models.
Meeting new regulatory expectations means applying risk mitigation, compliance and control methods, and instilling an effective risk culture where the right people do the right thing at the right time.
A review of IT organizations in financial services and discussions with bank CIOs reveal that firms benefit when their IT organizations innovate and are aligned with their business groups.
Market forces are eroding financial institution profitability. Banks are adapting to be customer-centric while improving profitability and enhancing competitiveness.
Retail banks are striving to outperform competitors while grappling with regulatory challenges and shifts in consumer behavior, including opportunities created by mobile phones and social media.
Regulatory and structural changes in the financial services industry impact risk management strategy.
Restoring confidence in the securitization market requires a focus on rebuilding investor confidence through transparency, enhancing accountability, and balancing risks, rewards, and costs of securitization.
A review of post-financial crisis risk management at leading financial institutuons.
Lenders need sophisticated operational capabilities to meet current regulatory demands; business process management (BPM) can offer key benefits.
Budgeting and planning processes can be costly and time consuming with little return on investment. Many financial institutions are achieving measurable benefits from transforming the process.
Banks should begin to develop strategies to anticipate Basel III rules, especially since some of the standards will be challenging to meet.
The financial crisis and the Credit Card Accountability, Responsibility, and Disclosure Act caused tighter credit for consumers and increased expenses for card issuers to comply.
We analyze the compliance, risk, and control challenges that high-frequency trading strategies present
The credit crisis has created demands on hedge funds that are affecting requirements for prime brokers. Prime brokers should create a cost-effective operational infrastructure.
Born in the USA? It could come to that as the United States emerges with greater allure as a potential low-cost sourcing destination..
Today's trading environments are seeing large swings in market volatility and the accompanying trading volume. These changes present a challenge to organization's in ensuring their systems and related processes are both stable and resilient to handle the increasing demands placed on them and in those situations where an incident or outage may occur, and how the organization can effectively handles and respond such incidents. This document provides some examples of where problems can occur and how some organizations have built controls to mitigate such occurrences.
Rogue trading been a problem since the beginning of organized trading but it can be managed in an acceptable manner similar to other types of risks. It is very difficult to design preventive controls absent real time monitoring, which is under discussion at a number of institutions.
A "one size fits all" approach to combating the financial crisis doesn't take into account a financial institution's unique circumstances. Our holistic approach, however, does. Find out more.