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Regulatory Monitoring Newsletter

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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Process Efficiency / Machine Learning / Automation

Process Efficiency / Machine Learning / Automation

Financial institutions are deploying advanced automation capabilities
Process Efficiency

We’re here to help you introduce them into your organization.

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Regulatory Monitoring Newsletter (Sixth Issue of 2016)

Regulatory Monitoring Newsletter (Sixth Issue of 2016)

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

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

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Brexit and Banking

Brexit and Banking

The long goodbye
Brexit and banking: The long goodbye

The full effects of the UK vote to leave Europe will be slow coming. There are dangers but also opportunities for advancement, especially in fintech. In the first of a series exploring the possible outcomes, we explain why.

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Acquiring The Millennial Customer

Acquiring The Millennial Customer

Acquiring The Millennial Customer

Information available on Millennials can be pretty confusing. There are a lot of different research studies with some conflicting results. Although, each study keeps highlighting an interesting conundrum for banks: how can they best serve millennials. Millennials are individuals born between 1980 and 2000, are the largest adult demographic in the U.S., and at present have $1.4 trillion dollars in investable assets.


 

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Wealth Management

Wealth Management

P.O.V. on Canadian trends and evolution
Wealth Management: Canadian trends and evolution

Over the past several decades, the Canadian wealth management industry has enjoyed steady growth in assets under management (AUM). In the last decade in particular, Canadian wealth management firms witnessed consolidation in this industry that led to a smaller number of players and limited foreign competition. After the financial crisis of 2008, Canadian banks invested in their wealth management businesses to improve profitability as a consequence of slower growth in lending, deal making and exiting from certain businesses due to regulatory requirements. Despite the growth witnessed, Canadian wealth managers must brace themselves for several trends that will impact their industry:

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Regulatory Monitoring Newsletter (Fifth Issue of 2016)

Regulatory Monitoring Newsletter (Fifth Issue of 2016)

Regulatory Monitoring Newsletter (Fifth Issue of 2016)

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

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No customer left behind: Reaching 2.5 million new customers through Financial Inclusion in the UK

No customer left behind: Reaching 2.5 million new customers through Financial Inclusion in the UK

No Customer Left Behind: reaching 2.5 million new customers through Financial Inclusion in the UK

What is Financial Inclusion?


“Financial Inclusion is about ensuring that every adult in the United Kingdom is connected to the financial ‘mains’, just as he or she is connected to mains electricity or mains water.” Financial Inclusion Commission, 2015

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Regulatory Monitoring Newsletter (Fourth Issue of 2016)

Regulatory Monitoring Newsletter (Fourth Issue of 2016)

Regulatory Monitoring Newsletter (Fourth Issue of 2016)

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

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Optimizing the Wealth Operating Model

Optimizing the Wealth Operating Model

Optimizing the Wealth Operating Model

The wealth management industry is at a crossroads. Evolving client needs, disruptive technology and general cost, revenue and regulatory pressures are putting a strain on overall profitability. Firms continue to invest in obsolete, complex and rigid platforms that are decades old and cobbled together from mergers and acquisitions. Data has become siloed, making it more difficult to unwind manual processes and technology. The cost of investments to maintain the status quo continues to hamper the bottom line. As a result, wealth management firms continue to operate a suboptimal business model that prohibits growth. Firms must take steps now in order to transform the way they do business to manage a changing and challenging landscape.

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Retirement DNA Modification

Retirement DNA Modification

Retirement DNA Modification

The Department of Labor’s (DoL’s) Revised Fiduciary Standard is poised to strike the core DNA of how investment firms and wealth managers will operate going forward. A complete overhaul of ERISA, the Revised Fiduciary Standard puts pressure on Wealth Managers to keep the best interest of the client: investment advice is a fiduciary contract which opens up advisors to legal recourse for non-compliance.

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Client Onboarding Capabilities for Wealth

Client Onboarding Capabilities for Wealth

Client Onboarding Capabilities for Wealth

A successful, efficient onboarding experience is paramount to building a strong foundation for the client relationship. The onboarding process is the first experience that a client will have with your firm, is integral to driving time to revenue for your firm, and with the unprecedented change in industry regulation, firms are rapidly outgrowing legacy client onboarding capabilities. As individuals become more dependent on the conveniences of the digital world, and banks strive to remain ahead of the curve, client onboarding becomes a natural candidate for improvement.

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T+2 – Are you ready?

T+2 – Are you ready?

The Transition to T+2 Settlement
T+2 Are you ready?

Where are you now?


The transition from a T+3 to T+2 settlement cycle continues to be an ongoing industry-wide initiative with a target go-live date of September 5, 2017. Many firms have performed assessments of their preparedness for the necessary operations and technologies, and are well on their way to completing the design and development phase. As organizations modify and reshape the day-to-day processes and infrastructure necessary for a successful migration, the need for robust end-to-end testing is paramount. Conducting thorough testing will be a critical step in the journey and will serve as the validation point for readiness.

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Compliant Wealth Management Business with Russian Clients

Compliant Wealth Management Business with Russian Clients

Mission impossible?
Compliant Wealth Management Business with Russian Clients

Russia is an important market for Swiss wealth management providers, which despite sanctions and pressure on the Russian economy has great potential: Russia holds approximately one third of the Eastern Europe private wealth. Switzerland provides a reliable and efficient banking system for Russian clients, and a safe-haven from the structural imbalances in the Russian economy and the political situation. Switzerland, together with the UK and Monaco, is one of the countries where some wealthy Russians have moved or are moving their tax residency in response to the “puzzle” posed by the Russian de-offshorization laws.

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Regulatory Monitoring Newsletter (Third Issue of 2016)

Regulatory Monitoring Newsletter (Third Issue of 2016)

Regulatory Monitoring Newsletter (Third Issue of 2016)

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

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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.