Insights on Financial Services

Article

Managing financed emissions: How banks can support the net-zero transition

– Banks finance carbon-emitting businesses, and they finance decarbonization of the economy, as well. How effectively they address financed emissions can make all the difference.
Report

Global Insurance Report 2023: Reimagining life insurance
– The global life insurance industry is facing an inflection point. A fundamental reimagination will usher in significant change.
Report

Reshaping retail banks: Enhancing banking for the next digital age
– The current model of universal retail banking is unsustainable over the long term. To thrive, banks need to reinvent themselves, focusing on businesses where they can achieve and extend market leadership in the new digital world.
Report

Shaping the future of Thai banking: Reinventing purpose to ignite growth
– With new opportunities on the horizon, the Thai banking industry could ignite new growth and invigorate its profitability by redefining its meaning and purpose, reinventing its traditional role, and making bold and innovative operational changes.
Article

Strategic M&A in US banking: Creating value in uncertain times
– Uncertain times can spell opportunity for companies seeking acquisitions—if companies proceed with care. Four actions can help banks maximize the value of their M&A.
Report

The Great Reset: North American asset management in 2022
– An “all-weather” agenda can help asset management firms thrive in a tumultuous and uncertain market environment.
Report

Europe’s fintech opportunity
– Fintech has moved from the fringes of European finance to its core, but performance varies widely. If all countries could match the best in region, the economic benefits would be considerable.
Article

A digital approach to SME banking
– Small and medium-size enterprises are a clear growth opportunity for banks in a difficult environment. A digital-first approach with a personal touch can help banks crack the code of this historically overlooked segment.
Article

Grow or exit? Overcoming the scale trap in life insurance closed books
– The COVID-19 pandemic has exacerbated challenges for insurers in continental Europe. M&A deals with closed-book players can help insurers continue to create value.
Article

Central bank digital currencies: An active role for commercial banks
– With central banks increasingly exploring central bank digital currencies (CBDCs), now is the time for commercial banks to establish their role in a fast-changing landscape.
Article

The chessboard rearranged: Rethinking the next moves in global payments
– Shifts in the macro environment are creating opportunities and obstacles for participants across the worldwide payments ecosystem.

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Talking Banking Matters
Leaders in Payments is an original podcast series from McKinsey’s Global Banking Practice, featuring conversations with... innovators, disruptors, and emerging leaders in the rapidly changing global payments ecosystem. Spanning consumer, commercial, and peer-to-peer payments, the talks focus on what motivates these dynamic individuals, their strategic choices, and the opportunities they see ahead.

Banking & Securities matters
Short takes on critical topics for leaders in banking, securities and beyond.

Insurance insights that matter
Short insights on topics that matter to leaders in the global insurance industry.

Featured publications

Issue

The 2022 McKinsey Global Payments Report
– In a period of ongoing macroeconomic and geopolitical upheaval, the global payments ecosystem is once again demonstrating resilience.
Issue

Building the AI bank of the future
– To thrive in the AI-powered digital age, banks will need an AI-and-analytics capability stack that delivers intelligent, personalized... solutions and distinctive experiences at scale in real time.
Article

How top tech trends will transform insurance
– Over the next decade, the fully tech-enabled insurer will bear little resemblance to today’s organization. Five trends,... individually and in combination, will have a seismic impact.

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MORE INSIGHTS

Interview

Author Talks: An investor’s guide to the net-zero transition
– Investor and Columbia Business School professor Bruce Usher explains the investment opportunities that will arise as demand for... climate solutions propels business into a new era of sustainability.
Report

Shaping the future of Thai banking: Reinventing purpose to ignite growth
– With new opportunities on the horizon, the Thai banking industry could ignite new growth and invigorate its profitability by redefining... its meaning and purpose, reinventing its traditional role, and making bold and innovative operational changes.
Podcast

Democratizing alternative asset investing: A conversation with ADDX’s Oi-Yee Choo
– The CEO of a Singapore fintech explains how her start-up’s cutting-edge technology is opening the door for the mass affluent... to invest in securities once available only to the ultrawealthy.
Article

Communicating headwinds and tailwinds
– Investor relations should always address business-critical headwinds and tailwinds. But which do companies refer to more—and... how does that choice affect market performance?
Interview

Author Talks: What poker pro Annie Duke can teach you about quitting on time
– Ever been told to quit while you’re ahead, or that winners never quit? Poker player-turned decision strategist Annie Duke... explains why this advice is costing you time and money.
Article

Central bank digital currencies: An active role for commercial banks
– With central banks increasingly exploring central bank digital currencies (CBDCs), now is the time for commercial banks to establish... their role in a fast-changing landscape.
Article

Embedded finance: Who will lead the next payments revolution?
– Winners are already emerging in the race to provide banking and payments infrastructure for embedded finance, but incumbents and... new entrants still have time to claim a share of this dynamic market.
Article

Sustaining digital payments growth: Winning models in emerging markets
– Digital payment transactions are skyrocketing in emerging markets as innovations proliferate. Banks, fintechs, and telecom companies... must quickly develop their strategy to compete for market share.
Article

Sustainability in global transaction banking: A market imperative
– Sustainable financial products can propel revenue growth for banks and contribute substantially to businesses’ progress... in meeting global climate goals. But success requires a strategic approach.
Article

The chessboard rearranged: Rethinking the next moves in global payments
– Shifts in the macro environment are creating opportunities and obstacles for participants across the worldwide payments ecosystem.
Article

The fight against money laundering: Machine learning is a game changer
– To realize the full benefits of machine learning and advanced analytics in anti–money laundering, institutions need AML... experts, strong data science talent, and reliable data sources in the fight against this type of financial crime.
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