Insights on Financial Services

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Building the corporate bank of the future

– Corporate banks have delivered steady returns but face daunting challenges. To succeed in the coming years, they need to find another gear.
Article

Perspectives on conduct risk in wealth management

– Here are four principles that can help financial institutions meet customer and regulator expectations for better conduct-risk... management.
Article

The state of retail wealth management in North America

– Revenues, and the number of assets managed, hit record highs for North American financial advisors in 2017. A deeper look at the... numbers, however, reveals concerning trends in pricing and new-client acquisition.
Article

Insurance 2030—The impact of AI on the future of insurance

– The industry is on the verge of a seismic, tech-driven shift. A focus on four areas can position carriers to embrace this change.
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FRTB reloaded: Overhauling the trading-risk infrastructure

– Investing in infrastructure isn’t glamorous. But a thoughtful rebuild will pay dividends for years to come.
Article

Reaching Asia’s digital banking customers

– Asia’s banking customers are migrating to digital channels in force. The challenge for the region’s banks is to deliver... superior digital experiences before competitors do.
Article

Disruption in European consumer finance: Lessons from Sweden

– Strong earnings in European consumer finance have drawn the attention of attackers, including large retailers and fintechs. To... maintain their position, banks must focus on the customer and transform their operating models.
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Basel III: The final regulatory standard

– Basel III’s finalized regulatory standards will have less impact than was first assumed, but banks still need a holistic... approach to capital management.
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Claims in the digital age: How insurers can get started

– Attackers are transforming the competitive landscape and elevating customer expectations, so insurance companies must integrate... digital technologies into their operations to keep pace. Claims should be a top priority.

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MORE INSIGHTS

Article

For US banks: A time for transformation

– To achieve robust performance and meet market expectations, US banks will need to embark on ambitious and holistic transformations.
Report

Mobile money in emerging markets: The business case for financial inclusion

– Meeting the mobile money needs of the unbanked in emerging markets is a vast opportunity. To succeed, providers need a clear view... on what drives mobile money economics, and an innovative mind-set.
Article

Behavioral insights and innovative treatments in collections

– Lending institutions can significantly improve collections success by applying innovative treatments based on behavioral segmentation.
Report

Fintech decoded: The capital markets infrastructure opportunity

– The level of investment in CMI fintech is gaining. For providers, the key is to view fintech not as a strategy in itself but as... a means to reach strategic priorities.
Article - McKinsey Quarterly

Competing in a world of digital ecosystems

– New players and blurring sector borders are starting to influence the competitive outlook in a wide range of industries. Here’s... a close-in look at changes afoot in automobiles and banking.
Interview - McKinsey Quarterly

Working across many cultures at Western Union

– The CEO of the global money-transfer company explains how it brings in the multicultural voice of the consumer through a broadly... diverse team of top executives.
Article

PSD2: Taking advantage of open-banking disruption

– Europe’s second Payment Services Directive opens attractive opportunities for established payments organizations. But to... win, banks will need to capture this disruption and turn it to their advantage.
Article

Looking behind the numbers for US stock indexes

– Record-high equity markets are prompting worries that stocks are overpriced. But a closer look finds that the market’s current... value may not seem so extreme.
Article

Insurance beyond digital: The rise of ecosystems and platforms

– Insurance companies have the opportunity to create new sources of revenue by rethinking their traditional roles and adopting an... ecosystem mind-set.
Article

Insuring hurricanes: Perspectives, gaps, and opportunities after 2017

– A year marked by several devastating hurricanes raises fundamental strategic questions about the readiness of the United States... for the next decade of large-scale catastrophes.
Article

An analytics approach to debiasing asset-management decisions

– Asset managers can find a competitive edge in debiasing techniques—accelerated with advanced analytics.
Article

Turbocharging revenue growth in US treasury management

– Revenue growth in US treasury management tends to be lackluster. Enter new data sources and advanced analytics.
Report

The future of risk management in the digital era

– We collaborated with the Institute of International Finance (IIF) and more than 50 institutions around the world, including banks,... regulators, and fintechs, to explore critical questions on the future of risk management. This report aims to answer these questions and shares insights to help organizations navigate a digital transformation of the risk function—now and in the long term.
Report

An efficient operating model for US regional banks

– To break out of a performance rut, US regional banks must fundamentally redesign and simplify their operating models.
Article

The best of times, the worst of times: North American asset management

– A broad redistribution of value in North American asset management is creating fundamentally new pools of value and altering competitive... dynamics.
Article

A foundation for value in capital markets

– Digital capabilities can fulfill their promise in the industry only if companies build them on a solid foundation: a strong data... and application architecture.
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