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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.

Heading for Full Regulatory Maturity

Heading for Full Regulatory Maturity

Banks have paid over $300 billion in fines since 2010
Capco Regulatory Maturity

Budget constraints and pressures on skills and expertise often mean only the most urgent compliance projects get implemented. Deadlines slip. Non-compliance results. Fines follow. But it doesn’t have to be like this.

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Regulatory Monitoring Newsletter (Fourth Issue of 2015)

Regulatory Monitoring Newsletter (Fourth Issue of 2015)

Regulatory Monitoring Newsletter (June 2015)

We are delighted to share the June 2015 edition of Capco's monthly Regulatory Monitoring Newsletter, developed by industry experts in our European Regulatory Monitoring Team.

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Collateral Management

Collateral Management

Collateral Managed

With regulatory pressures driving up demand, it’s estimated that we’re facing a potential collateral squeeze of $1.2 trillion. Can you afford to operate in the shadow of this black hole? Or is it time to tackle the ‘Great Collateral Squeeze’ head-on?

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Regulatory Monitoring Newsletter (Third Issue of 2015)

Regulatory Monitoring Newsletter (Third Issue of 2015)

Regulatory Monitoring Newsletter (Third Issue of 2015)

We are delighted to share the third issue for 2015 of Capco's Regulatory Monitoring Newsletter, developed by industry experts in our European Regulatory Monitoring Team.

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FMIA: Switzerland’s new Financial Market Infrastructure Act

FMIA: Switzerland’s new Financial Market Infrastructure Act

FMIA: Switzerland’s new Financial Market Infrastructure Act

The financial crisis initiated several new financial regulations in Switzerland. During the G20 summit in 2009, the decision was taken to regulate derivative trading. The Financial Market Infrastructure Act (FMIA, German: FinfraG) is the Swiss response to this initiative.

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Wealth Management Client Onboarding

Wealth Management Client Onboarding

Onboarding – Time to get onboard with a new program!
Wealth Management Client Onboarding

Onboarding used to be a lot clearer, defined simply as: “the process and procedure to gather new client information and requirements and input that data to do business.” Today, the regulatory framework imposes multiple demands – from ensuring potential clients are the “right kind” of business, through responses to ever deeper levels of official inquiry. The challenge is to create an onboarding program that satisfies regulators and front office alike – while keeping the client center stage. This Capco Wealth Management Onboarding Overview shows how you can balance all the issues and deliver for all the stakeholders.

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Regulatory Monitoring Newsletter (Second Issue of 2015)

Regulatory Monitoring Newsletter (Second Issue of 2015)

Regulatory Monitoring Newsletter (Second Issue of 2015)

We are delighted to share the second issue for 2015 of Capco's Regulatory Monitoring Newsletter, developed by industry experts in our European Regulatory Monitoring Team.

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Online FX Trading

Online FX Trading

Trends for 2015 and beyond
Online FX Trading

The future of online FX trading depends on finding a balance between risk-taking and regulatory compliance. Forex online trading is a dynamic industry where flexibility, agility and innovation are of key importance to success. This was highlighted in January 2015 when the Swiss National Bank decided unexpectedly to give up the 1.20 EUR/CHF cap. The impact of this decision is far-reaching. One of the biggest global brokers required a bailout in the hundreds of millions of dollars. Many smaller brokers are also on the edge of surviving due to their open positions and lack of liquidity.

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Regulatory Monitoring Newsletter (First Issue of 2015)

Regulatory Monitoring Newsletter (First Issue of 2015)

Regulatory Monitoring Newsletter (First Issue of 2015)

We are delighted to share the First Issue of 2015 of Capco's Regulatory Monitoring Newsletter, developed by industry experts in our International Regulatory Monitoring Team.

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Capco No Sleep Survey: 4th Edition

Capco No Sleep Survey: 4th Edition

2015: A wake up call for banks in Europe and Asia-Pacific, cautious optimism for the year ahead
Capco No Sleep Survey: 4th Edition

In the following pages we share the insights gained from analysis of the current concerns and challenges faced by financial institutions (FIs) in Europe and Asia-Pacific. We conclude with a summary of findings and provide some opportunities for success that FIs can consider in 2015.

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Regulatory Monitoring Newsletter (Tenth Issue of 2014)

Regulatory Monitoring Newsletter (Tenth Issue of 2014)

Regulatory Monitoring Newsletter (Tenth Issue of 2014)

We are delighted to share the Tenth Issue of 2014 of Capco's Regulatory Monitoring Newsletter, developed by industry experts in our International Regulatory Monitoring Team.

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Very Sophisticated. The Irresistible Rise of Corporate Sophistication?

Very Sophisticated. The Irresistible Rise of Corporate Sophistication?

The rise of corporate sophistication in finance. What is it? And how can banks remain relevant to resist it?
The Irresistible Rise of Corporate Sophistication?

Virtually unchallenged, banks provided corporate customers with services from payments processing to business extension financing. Then came much greater financial Corporate Sophistication. Banks now need new strategies, and new approaches, to retain and regain business that used to be assured. In the face of growing competition, effective resistance is all about relevance.

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Mobile Payments, a European Perspective

Mobile Payments, a European Perspective

Why and how banks should act now!
Mobile Payments, a European Perspective

Mobile payments providers must think more ambitiously. It’s high time to go beyond one-off novelties and limited disruption to the status quo. We should be embracing complete transformation, enabled by system-wide interoperability. And we have the technology to make it happen. This is the second part of our series about changes in payments. In this paper, we focus on the channel perspective. We outline a solution to introduce flexibility, enable faster innovation and, ultimately, achieve a dynamic and positive mobile payments environment.

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Regulatory Monitoring Newsletter (November 2014)

Regulatory Monitoring Newsletter (November 2014)

Regulatory Monitoring Newsletter (November 2014)

We are delighted to share the November 2014 edition of Capco's monthly Regulatory Monitoring Newsletter, developed by industry experts in our European Regulatory Monitoring Team.

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Financial Inclusion – 4th Generations Solutions for Low Income Banking

Financial Inclusion – 4th Generations Solutions for Low Income Banking

A financial inclusion perspective from Capco and Ashoka
Financial Inclusion: Extended Version

In this paper, we explore examples of pattern-changing breakthroughs in financial inclusion from the U.S. and Europe, as well as Africa, Asia and Latin America. We have identified exciting innovations tackling the main barriers to financial inclusion: financial behaviour and competency, origination and demand generation, risk assessment-based credit management as well as more accessible distribution channels. New ideas have emerged – in areas like financial education, trust building and confidence building, assembling credit histories from unexpected spending patterns, low-cost business models that deliver affordable, accessible and attractive products; new technologies that leverage unorthodox data, use creative algorithms, and make smart phones simple to use as a banking channel – forming a 4th generation solution to low income banking. These 4th generation banking models are transforming lives. They are not just re-inventing a conventional form of banking. They are unleashing human potential in a quest for significance as well success, undertaken on a symbiotic rather than exploitative basis.

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Financial Inclusion – From Margins to Mainstream

Financial Inclusion – From Margins to Mainstream

A financial inclusion perspective from Capco and Ashoka
Financial Inclusion: Executive Summary

"Give a man a fish, he eats for a day. Give him a loan to buy a smartphone, in five years he’ll be a fish trader." Having close to a half of the world’s adult population unbanked is too big an anomaly – and too big an opportunity – for global financial institutions to ignore. The time has come for mainstream banks to engage in a new ecosystem, together with Social Enterprises and others. The goal? To deliver real solutions for the banking of the unbanked.

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Build Your Own Bank – The Journey Starts Here…

Build Your Own Bank – The Journey Starts Here…

Building your own bank may not be as difficult as you think
Build Your Own Bank – The Journey Starts Here…

One of the most exciting areas in the financial industry today is the renaissance in customer propositions and choices, as non-traditional challenger banks enter the industry and established players race to create dynamic new offers. In this overview, we invite you to share our thinking and 10 step methodology around bringing new banks and new banking offers to a highly competitive market.

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Regulatory Monitoring Newsletter (September 2014)

Regulatory Monitoring Newsletter (September 2014)

Regulatory Monitoring Newsletter (September 2014)

We are delighted to share the September 2014 edition of Capco's monthly Regulatory Monitoring Newsletter, developed by industry experts in our European Regulatory Monitoring Team.

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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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Too Real to Ignore

Too Real to Ignore

Getting a handle on the cost to trade
Getting a Handle on the Cost to Trade

The need for banks to cut trading costs is just too real to ignore. The strains of increased capital requirements, continued regulatory pressure and innovative new entrant competition, are all conspiring to create the perfect storm that will force banks to truly understand their cost to trade. In the front office and on a real time basis, a clear metric of the cost of trade is essential for banks to make tough, high-level decisions. Banks need to decide which products, and even which customers are returning to the bottom line, and which need to be removed from portfolios. Consequently, major business decisions for banks as of late are based off of cost to trade calculations, so banks need to get it right. Presently however, stitching together the complex components needed to construct a complete view of trade costs remains a considerable challenge for most banks.

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Search Capco Thoughts

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.