Capco Blog

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Via discussions hosted on the Capco Institute Blog. Members debate high profile issues, with frequent and provocative contributions from Capco thought leaders. For institutions around the world, how will the changing financial services landscape form the future of finance?

The content and opinions posted on this blog and any corresponding comments are the personal opinions of the original authors, not those of Capco.

Author:
Tobias Schmidtke
Karsten Schneider
Published: November 20, 2014

Until recently, insurance companies have escaped the scrutiny of global regulators, while banks carried the burden for the 2008 financial crisis, adapting to a torrent of reforms.

Now compliance is catching up with the insurance industry. The EU Solvency II directive is an early milestone and probably the first of many.

In step with global regulatory efforts, German authorities are anxious to implement German market-specific regulations. The latest example here is LVRG (Lebensversicherungsreformgesetz) - the German life insurance reform act, which is set to have a major impact on the country’s life insurance market.

Author: Kyle Marynowski
Published: November 03, 2014

Traditionally, Mass Affluent households have proven to be an enigma to Wealth Managers. This segment requires a new approach and fresh thinking to unlock investment opportunities. Capco believes that it is the first company to offer a comprehensive, yet flexible solution, to develop and retain that business segment well into the future.

The post 2008 economic landscape is chock-full of constraints, strict capital requirements, narrow margins, depressed lending, and fee limitations. Wealth Managers have been reluctant to break the mold, reexamine the segments they serve, and offer investment solutions that prove lucrative to both parties. Instead, the vast majority of Wealth Managers continue to push products that cater to the High Net Worth segment, historically the “Golden Goose.”

Author: Alexander Chan
Published: October 23, 2014

AML. Dodd-Frank. OTC Derivatives reform. The Volcker rule. Basel IV. FATCA. GATCA. The list goes on but the introduction of new local and global regulations shows no signs of abating. Against this backdrop, financial institutions in APAC must ensure that they are promptly informed of evolving regulatory obligations. But an understanding of these requirements is just the beginning of a wide range of resource-intensive activities that financial institutions in APAC are undertaking to break free of the regulatory shackles.

Faced with spiraling costs, and myriad complex rules and regulations of a supranational nature, financial institutions in APAC are now asking the question...

Author: Peter Springett
Published: October 13, 2014

We’re debating the impact of cost to trade and success strategies at Banking Reloaded Conference on October 29, New York. Don’t miss this chance to meet the experts and find out how to reduce costs and boost profitability.

Why is calculating the cost to trade so elusive for banks? The first hurdle for trading entities starts with complicated capital charges for products, based on whether they are exchange or bi-laterally traded. In addition, regulatory capital influences favor higher-rated counterparties adding another layer of complexity to the mix, and front office implications are just the beginning.

Author: Mark Reeves
Published: October 12, 2014

In this concluding blog in our series on changeSourcing (CS), we ask – and answer – four of the most frequently asked questions.

Question: We have built up considerable “expertise equity” in our change delivery capability. Does changeSourcing mean we lose our equity?

No, absolutely not. A well thought out CS program will not only keep one’s current expertise and capability intact, it will also quickly grow it through direct access to best practice and current industry experience.

Author: Markus Sander
Published: October 09, 2014

The market size and app richness in the new payments area begs the question, where is this all going? And what should the perfect payment solution of the future look like? In this final part of the blog series I look at issues that should be addressed to fast-forward the way we conduct payments.

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