Banking & capital markets

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Banking Views: Look before you leap

Banks today have an unusual opportunity to improve their decision-making, setting the proper balance between customer experience and risk. Read more in this issue of Banking Views
The 'Plan to Help Responsible Homeowners and Heal the Housing Market': A look at what it means to mortgage servicers The "Plan to Help Responsible Homeowners and Heal the Housing Market": A look at what it means to mortgage servicers
This document reviews President Obama's Plan to Help Responsible Homeowners and Heal the Housing Market released in February 2012 and assesses the components of the plan and its potential impact on mortgage servicers.

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Gaps in the apps: Why the traditional security lifecycle no longer works Gaps in the apps: Why the traditional security lifecycle no longer works
PwC's Gary Loveland and Joseph Nocera discuss mobile banking app security and how financial institutions can enhance security to guard against financial and reputational risk.

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Gaps in the apps: Why the traditional security lifecycle no longer works Gaps in the apps: Why the traditional security lifecycle no longer works
PwC's Gary Loveland and Joseph Nocera discuss mobile banking app security and how financial institutions can enhance security to guard against financial and reputational risk.

View their discussion in this video
Final Swap Dealer and MSP Definitions: To Register or Not to Register - Closer to an Answer Final Swap Dealer and MSP Definitions: To Register or Not to Register - Closer to an Answer
On April 18, 2012, the CFTC and SEC approved a final rule that defines the terms "swap dealer," "major swap participant" and "eligible contract participant" under the Dodd-Frank Act. The CFTC has laid out a series of fast-approaching compliance deadlines in October. Whether you are swept into or remain out of the swap dealer/MSP definitions, you need a strategy to navigate through Title VII. This FS Regulatory Brief offers guidance and answers key questions on what to do next for sell- and buy- side derivatives players alike. To read PwC's FS Regulatory Brief about this topic, please click here.
 
Student lending default management: A guide to improved portfolio performance Student lending default management: A guide to improved portfolio performance
Forecasts predict the federal student loan default rate, reported by the Department of Education, will reach double digits in 2012, with no relief in sight. By understanding the causes of why student lending default continues to rise, default managers can work to insulate themselves against this trend.

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The Rise of Mobile Banking: Will Cash Become Obsolete? The Rise of Mobile Banking: Will Cash Become Obsolete?
Dave Hoffman discusses the future of mobile banking and potential affect on cash usage with Matt Nesto on Yahoo Finance's Breakout.

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If They're Happy, Do You Know It? The CIO's Agenda in Improving Customer Centricity at Financial Institutions If They're Happy, Do You Know It? The CIO's Agenda in Improving Customer Centricity at Financial Institutions
Financial services customers are looking for financial institutions to deliver bundled products, customization, 24/7 access, and consistent interaction. Their IT operating model should achieve customer centricity by aligning IT and the business, creating faster decision cycles, developing a single view of the customer, and linking IT strategies to the business strategy.

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Look Before You Leap: Analyze Customer and Business Impact Carefully Before Implementing Product Changes Look Before You Leap: Analyze Customer and Business Impact Carefully Before Implementing Product Changes
Peter Horowitz discusses the importance of analyzing customer and business impact before implementing product changes.

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The price of success: Aligning pricing with the customer value proposition The price of success: Aligning pricing with the customer value proposition
Banks today need to understand how different customers value their products and services to set the prices in line with their business strategy. Banks should replace traditional pricing with a holistic data driven driven approach that includes customers' needs, preferences, behaviors, purchasing patterns, and price sensitivity.

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Look before you leap: Analyze customer and business impact carefully before implementing product changes Look before you leap: Analyze customer and business impact carefully before implementing product changes
New regulations are forcing financial institutions to re-examine their mix of businesses, presenting an opportunity for banks to modify their approaches to examining and balancing their customer and product portfolios. PwC suggests a framework that aligns a firm’s customer priorities with the management of capital, funding, and risk in this FS Viewpoint.

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Regulatory realities
Dan Ryan speaks with CNBC about how uncertainty over rule making is the biggest issue for banks.

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Mobile payments
Mike Heindl highlights mobile payment revenue opportunities for banks.

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The banking and capital markets sector is being transformed by increased competition, regulation and globalisation.

Investment banking is bouncing back strongly as acquisition activity gathers momentum. While still highly profitable, the outlook for retail banking appears to be clouded by concerns over consumer debt and the slow down of economic growth.

The impetus for further consolidation is growing as a result of margin pressures on the one hand and — thanks to soaring profits and steadily rising share values — the surge in available capital on the other. The outlook for the banking & capital markets sector is also being shaped by regulation including the move to Basel II. These challenges have heightened the importance of effective risk management in delivering stable returns and supporting robust governance and compliance processes.

How PwC can help

PwC Vietnam has a global network of specialists who can help turn challenges into opportunities in key areas of your business including governance, risk and compliance, process improvement, financial reporting and business development strategies.