Need thought leadership? Think Leadership from Capco.

The global financial industry becomes more complex by the day. Meeting the challenges of complexity demands the best, most innovative and actionable input. Capco’s Thought Leadership and leading-edge research is contained in our Journal of Financial Transformation and our wide range of White Papers and Points of View. Access a unique resource of academic and practitioner thinking and experience. It’s tomorrow’s best practice available today.

Will Gamification Inspired Rewards Drive Top of Wallet Mobile Payment Choices?

Will Gamification Inspired Rewards Drive Top of Wallet Mobile Payment Choices?

Will Gamification Inspired Rewards Drive Top of Wallet Mobile Payment Choices?

In an increasingly digitized and interconnected world, customers are presented with more and more payment channels and payment options such as mobile proximity and distance payments to pay for goods and services. Payment vehicles such as mobile wallet, e.g. Apple Pay and Internet browsers, prompt users to store a default card of choice within their preferences. Meanwhile, with a growing number of devices connected to the internet, purchases can now be completed via non-traditional devices such as wearables or connected appliances.

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The Bigger The Better? Big Data in Financial Services

The Bigger The Better? Big Data in Financial Services

Big Data in Financial Services
The Bigger The Better? Big Data in Financial Services

This paper is designed to be relevant to producers and consumers of data in a financial institution. In particular, it is oriented towards the business use of data (e.g., analytics) and on technology techniques for managing data. The paper assumes that the reader has some context and understanding around Big Data technologies, how they would or would not apply within a financial organization, and the benefits and challenges that such new technologies present.

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Developing an IT Roadmap to Navigate the Energy Market Storm

Developing an IT Roadmap to Navigate the Energy Market Storm

Developing an IT Roadmap to  Navigate the Energy Market Storm

The wake created by the oil market collapse in the second half of 2014 has now persisted for almost a year, with continued low oil prices and high levels of volatility. The natural gas markets have fared no better, with persistent low prices that seemingly wander aimlessly in a market with no clear direction. The influences of both markets have extended to other energy commodoties as well, with power increasingly correlated to natural gas, the impacts of future LNG exports yet to be determined, and oil products prices moving irregularly with the underlying crude contract. With this increased market uncertaintty, and coupled with an activist regulatory environment, it is becoming increasingly difficult for energy traders to move confidently, knowing that they can make a profit and limit risks for their businesses.

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The Oil Price Collapse

The Oil Price Collapse

Addressing challenges and finding opportunities
The Oil Price Collapse

The collapse in oil prices, beginning slowly at first in July of 2014 and accelerating in earnest in late September 2014, has sent shock waves throughout the energy industry. With West Texas Intermediate crude losing more than half its value from high in 2014 of around $110/bbl, the impacts have been profound on the energy industry, but particularly so for producers who are struggling to adapt and survive in this new market reality.

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Optimizing Marketing Capabilities

Optimizing Marketing Capabilities

Capco Solutions - Bringing Value to the Industry
Optimizing Marketing Capabilities

Banks have access to more customer information then ever before; optimizing marketing capabilities enables banks to reach their customers more effectively.

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Digital Risk Management

Digital Risk Management

How secure is your digital wealth operating model?
Digital Risk Management

The Wealth Management industry is undergoing an unprecedented wave of digital transformation. Wealth Managers are transforming their operating models and underlying infrastructure to be fit for purpose in a digital age. Coupled with changing client needs, the momentum of digital change in Wealth moves forward at pace presenting Wealth Managers with a number of opportunities but equally exposing them to emerging data security risks. The drivers include continuous advances in technology, competition from fintech startups eroding parts of the wealth value chain, the availability of big and thick data and the need to cost-optimise and drive straight-through processing (STP). Combined with the proliferation of social platforms, the changing regulatory landscape and the rise of the new data security threats, you have a 'perfect storm' of challenges to traditional Wealth Management operating models.

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Regulatory Monitoring Newsletter

Regulatory Monitoring Newsletter

(Tenth Issue of 2016)
Regulatory Monitoring Newsletter (Tenth Issue of 2016)

We are delighted to share the tenth issue for 2016 of Capco's Regulatory Monitoring Newsletter, developed by industry experts in our Regulatory Monitoring Team.

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General Data Protection Regulation (GDPR)

General Data Protection Regulation (GDPR)

Is your financial services organization prepared?
General Data Protection Regulation (GDPR)

WHAT IS GDPR?


GDPR – General Data Protection Regulation – entered into force on 25th May 2016 and will become directly applicable in the EU member states from 25th May 2018. The regulation affects processing of personal data and the free movement of data. In summary, GDPR:

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Corporate Actions

Corporate Actions

The case for business-process-as-a-service
Corporate Actions

It’s time for a fundamental transition


They used to be ‘forgotten’ within the back office. But, today and urgently, banks need to re-evaluate their corporate actions departments. Suffering from high levels of manual processing, increasing volumes and products, they are costly to run. Even more pressing, they create real potential for exposure to losses and reputational damage. The answer is the adoption of new sourcing models, such as business-process-as-a-service. Such arrangements provide banks with access to the latest technologies automation levels, workflow efficiencies and the risk of potential loss. All without the investment burden banks would face to achieve the same results themselves.

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Front Office Assessment

Front Office Assessment

Wealth & Investment Management
Front Office Assessment

Why must you get on the front foot with front office strategy? Because regulatory pressures - and the never-ending pursuit of cost effectiveness - demand improved efficiency.

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Regulatory Monitoring Newsletter (Ninth Issue of 2016)

Regulatory Monitoring Newsletter (Ninth Issue of 2016)

(Ninth Issue of 2016)
Regulatory Monitoring Newsletter (Ninth Issue of 2016)

We are delighted to share the ninth issue for 2016 of Capco's Regulatory Monitoring Newsletter, developed by industry experts in our Regulatory Monitoring Team.

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Canadian Millennials

Canadian Millennials

The importance of experience
Canadian Millennials: The importance of experience

Insights on the Canadian Millennial demographic


As Canadian banks innovate for the future, building stronger relationships with millennials should be a corner stone of their strategy.
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The Adjacent Possible

The Adjacent Possible

The Adjacent Possible

Now, in 2016, we see every bank engaging with a series of fundamental challenges. How should they take best advantage of the digital revolution? How can they harness its power to improve their customer experience? What strategic directions should they choose? We believe the best answers are contained in an approach called the Adjacent Possible. The Adjacent Possible provides a powerful conceptual framework for a bank’s digital strategy. So what is this framework? And how can it be applied? Answering these questions requires some scene setting.

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Hybrid Operating Model Execution

Hybrid Operating Model Execution

It Has Never Been More Imperative for Financial Institutions to Find Substantial and Safe Cost Savings.
Hybrid Operating Model Execution

Overview of Home Model for Cost Savings


Capco's Hybrid Operating Model Execution (HOME) model allows clients to optimize opportunities in outsourcing through flexible and innovative contracting structures that have delivered up to 30% savings in as little as one year. Our original approach to traditional technology and operations cost-cutting challenges represents the opportunity clients have been waiting for, to free trapped funds and turn towards a transformation to efficiency.

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Regulatory Monitoring Newsletter (Eighth Issue of 2016)

Regulatory Monitoring Newsletter (Eighth Issue of 2016)

Regulatory Monitoring Newsletter (Eighth Issue of 2016)

We are delighted to share the eighth issue for 2016 of Capco's Regulatory Monitoring Newsletter, developed by industry experts in our Regulatory Monitoring Team.

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Blockchain in capital markets infrastructure. Now is the time for action.

Blockchain in capital markets infrastructure. Now is the time for action.

Blockchain in capital markets infrastructure. Now is the time for action.

There is no doubt that the existing capital markets infrastructure urgently needs a new lease of technology enabled life. Credible estimates set the potential for efficiency and elimination savings at somewhere between €30 and €50 billion annually. Either the industry itself, in its current configuration, will pursue and deliver those savings or, ‘outsiders’ will seize the impetus. 

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Blockchain Trade Finance

Blockchain Trade Finance

Blockchain Trade Finance

TRADE FINANCE DISRUPTED: PRESENTING A REAL WORLD AND NEAR FUTURE BLOCKCHAIN USE CASE


Efficient global trade of physical goods relies on availability of three key factors: credit, solid logistics and transparent payment. Trade finance addresses the challenges with well-established instruments to issue credit, document the transfer of exported or imported goods and execute subsequent payments. Yet, in spite of its established nature, our clients state that the trade finance business is becoming harder to manage than ever. Why?

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Digital Trust

Digital Trust

Building trust in new, digitally enabled bank services
Digital Trust

Digital technologies open limitless possibilities for ‘disruptive’ approaches to product and service creation and delivery. From driverless cars to cars driven by complete strangers to staying in a stranger’s house, ‘set in stone’ approaches to established industries are being transformed. For this transformation to extend without disintermediation of established players, financial institutions will need to take action around three key dimensions.



  • Context: Understanding the ‘emotional climate’ needed for consumers to put trust in their bank, and to the same extent as they do with non-banking digital services.

  • Technology: What is required from technology we already have, to turn a trust-led consumer banking environment into a delivered reality.

  • Commercials: What is required from a commercial perspective to create trust-led products and services that will engage more consumers more effectively and more profitably.

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Correspondent Lending

Correspondent Lending

Market Study Report
Correspondent Lending Study

This report analyzes those characteristics that help organizations succeed - and reveals how to bring industry best practices to your correspondent lending business model.

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Regulatory Monitoring Newsletter (Seventh Issue of 2016)

Regulatory Monitoring Newsletter (Seventh Issue of 2016)

Regulatory Monitoring Newsletter (Seventh Issue of 2016)

We are delighted to share the seventh issue for 2016 of Capco's Regulatory Monitoring Newsletter, developed by industry experts in our Regulatory Monitoring Team.


The intent of this newsletter is to provide you with a regular update on some of the most important regulatory changes - along with a Capco view on the implications of these changes.

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Search Capco Thought Leadership

Regulatory Monitoring Newsletter

Each issue of the monthly Capco Regulatory Monitoring Newsletter provides regular update on some of the most important regulatory changes – along with a Capco view on the implications of these changes.