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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.

CSR Magazine

CSR Magazine

CSR Magazine

Creating a better world has never held more importance than it does today. The next generation is redefining the way they tackle issues, create movements, and use their skills to inspire the people around them.

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Capco No Sleep Survey: 5th Edition

Capco No Sleep Survey: 5th Edition

2016: Another exciting year ahead
Capco No Sleep Survey: 5th Edition

Welcome to Capco’s 5th Anniversary No Sleep Survey!


For the fifth consecutive year, Capco polled senior executives across the Benelux financial industry to uncover the issues that are keeping them awake at night.

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Regulatory Monitoring Newsletter (Ninth issue of 2015)

Regulatory Monitoring Newsletter (Ninth issue of 2015)

Regulatory Monitoring Newsletter  (Ninth issue of 2015)

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

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Regulatory Monitoring Newsletter (Eighth Issue of 2015)

Regulatory Monitoring Newsletter (Eighth Issue of 2015)

Regulatory Monitoring Newsletter (Eighth Issue of 2015)

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

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Millennials to Millionaires

Millennials to Millionaires

The Next Generation for Wealth Management
Millennials to Millionaires

Millennial wealth. What is it? Why is it important now and why does it continue to receive a central spot on the agendas of wealth management executives as they discuss and decide on the future of their businesses?


The fact is that the millennials create an interesting conundrum for big banks. Presently, at just about $1 trillion in assets under management, millennials are not a lot to talk about. But when you start to look at the $30 trillion in assets that will transfer from baby boomers to millennials over the next 30 years in the U.S. alone, it becomes a whole new conversation.1 How will wealth managers position themselves for the biggest wealth transfer in history?

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Achieving Optimal Liquidity and Collateral Management in the Context of TARGET2-Securities

Achieving Optimal Liquidity and Collateral Management in the Context of TARGET2-Securities

This paper explores the beneficial impact of T2S, with a focus on commercial advantages for Treasurers and Collateral Managers.
Summary of Achieving Optimal Liquidity and Collateral Management in the Context of TARGET2-Securities

T2S - The waves of change are breaking


The European post-trade infrastructure is undergoing significant changes, brought about through the implementation of TARGET2-Securities (T2S) by the European Central Bank (ECB). The T2S securities settlement platform, through which all domestic and cross-border settlement of Euro-denominated securities transactions will take place (covering both the primary and the secondary markets), has a go-live schedule made up of four subsequent waves. Once full migration is achieved in 2017, an overall settlement fee reduction is envisioned, down to levels closer to those prevailing in the US. The aim is that cross-border settlement will become as efficient as domestic settlement. The services provided by the new technology platform will be governed by a set of rules defined in the equally new pan-European Central Securities Depository Regulation (CSDR).

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MiFID II Investor protection and transparency

MiFID II Investor protection and transparency

Embracing the Journey from Regulation to Business Strategy and Digital Transformation.
MiFIDII Investor Protection and Transparency

Regulatory reform agenda under MiFID II and MiFIR


Post financial crisis regulation is reshaping the financial services industry to address fundamental market and regulatory shortcomings. MiFID II and MiFIR are aiming to form a single rulebook for the provision of financial services in the European Economic Area (EEA) and/ or to EEA-domiciled clients. MiFID II and MiFIR will significantly impact the entire value chain across different business lines of a financial services institution from acquisition of new clients to post-trade client reporting and trade transparency. In addition, recent regulatory development in Switzerland indicates high congruence of upcoming investor protection rules outlined by FIDLEG (Finanzdienstleistungsgesetz) with MiFID II requirements.

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Breaking Edge

Breaking Edge

Breaking Edge

BreakingEdge, Capco’s Quarterly Thought Leadership magazine, is an exciting walk through the vastly changing landscape that is the modern financial services industry.  From sweeping regulatory reforms, to the advent of blockchain technologies and on into the future of biometrics and cybersecurity, BreakingEdge will take you on a magical journey into the future of financial services.  Join us quarterly for fun and fascinating stories, as we ride the wave of emerging technology and shifting business models in - BreakingEdge.

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Digital Transformation 2.0

Digital Transformation 2.0

Digital Transformation 2.0

Hot off the presses – don’t miss Capco’s “Digital Transformation 2.0”, a fascinating journey in discovering what banks will have to do next, and do right, in order to capture and keep savvy, digital customers of the future.  Learn how banks are leveraging social media communities, utilizing data analytics, building incubators and more to keep pace in the race to be the bank of choice for millennial customers with insatiable appetites for high value, individualized digital services!

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Wood paneling to iPads - successfully developing a next generation private banking experience.

Wood paneling to iPads - successfully developing a next generation private banking experience.

The Future of Private Banking

Next generation private banking: times are changing (so too are 'elite' customer profiles and tastes).


To some, private banks present the epitome of exclusive, even excluding. Wood paneling rather than iPads is the perceived style. It is true that many of these institutions have a long history at the heart of their appeal. Take the world’s oldest private bank – Berenberg Bank of Hamburg. Founded in 1590, it commands more than four centuries of tradition. And long tradition has become synonymous with personal and private service to the wealthy, a highly tailored approach and the kind of bespoke ethos not found on the high street.

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Blockchain

Blockchain

Blockchain

Get Bold with Blockchain


There is no doubt that crypto-finance and the technology that fuels it, ”Blockchain,” is a hot topic. There is also a growing consensus amongst credible, senior members of the financial services industry that this technology, be it centralized, decentralized or federal ledger, will have a profound and lasting effect on their industry. Many say we are witnessing the beginning of a true democratization of finance ─ a period during which the closed network of correspondent banks and counterparties could be replaced by an open, more transparent, and perhaps even safer system.

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Regulatory Monitoring Newsletter (Seventh Issue of 2015)

Regulatory Monitoring Newsletter (Seventh Issue of 2015)

Regulatory Monitoring Newsletter (Seventh Issue of 2015)

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

Prepaid Accounts

Too Big - And Too Important - To Ignore
Prepaid Accounts

Developing attractive prepaid account provision is nothing less than a chance to ‘start again’ in retail banking for established financial services brands. And with a market estimated to offer potential value up to $2.4 trillion by 2020, the scale of the opportunity is simply too big to ignore.

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Regulatory Monitoring Newsletter (Sixth Issue of 2015)

Regulatory Monitoring Newsletter (Sixth Issue of 2015)

Regulatory Monitoring (Sixth Issue 2015)

We are delighted to share the September 2015 edition of Capco's monthly Regulatory Monitoring Newsletter, developed by industry experts in our European 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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Robo-advice 2.0 – “The Next Generation”

Robo-advice 2.0 – “The Next Generation”

Robo-advice 2.0 – “The Next Generation”

As assets under management grow, robo-advice is proving more than a flash in the pan in a bull market. How can established financial institutions successfully develop a next generation robo-advice offer? The answer lies in leveraging their long-term strengths to create personal, relevant, differentiated services for real people. Robots may help deliver Robo-advice 2.0. But it cannot be designed by them, or for them.

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DigiSourcing

DigiSourcing

DigiSourcing Infographic

We're building highly differentiated service offers that respond to current and future banking clients challenges and opportunities.


Each offer is a practical package of expertise, technology, market insights and creativity. Its specific purpose is to address – directly and measurably – a key current or emerging issue faced by clients. In this story, we feature DigiSourcing. Capco’s DigiSourcing service enables banks to identify and develop new digital product and service offers for their retail, SME and corporate customers quickly, then to implement, evaluate and evolve them rapidly.

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Regulatory Monitoring Newsletter (Fifth Issue of 2015)

Regulatory Monitoring Newsletter (Fifth Issue of 2015)

Regulatory Monitoring Newsletter (Fifth Issue of 2015)



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

Consumer Banking

Consumer Banking

It’s Time to Put the Consumer at the Heart of ‘Consumer Banking’


The financial industry may call its retail offer ‘consumer banking’. But how close are banks to embracing the idea of their customers as consumers first and foremost? Research from Capco in the UK and parent company FIS indicates there is still much progress to be made. First base is a firm grasp of what today’s consumers of financial services really want.

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Heading for Full Regulatory Maturity

Heading for Full Regulatory Maturity

Banks have paid $185 billion in fines since the start of the financial crisis
Heading for Full 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 2015)

Regulatory Monitoring Newsletter (Fourth Issue 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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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.