THOUGHT LEADERSHIP, THOUGHT THROUGH

WE ARE WHAT WE THINK

At Capco, we believe that everybody has a voice. We also believe in individuality. That’s why the content and opinions posted on this blog are representative of the individuals within our firm.

FILTER INSIGHTS

WHY A SUCCESSFUL CRA EXAMINATION MATTERS

Since its passage in 1977, the United States’ Community Reinvestment Act (CRA) encourages depository institutions to help meet the credit needs of the communities in which they operate, including low and moderate-income neighborhoods, consistent with safe and sound banking operations.  While the CRA has changed over the past four decades, all prudential regulators recognize the need for substantial revisions to the law. 
  • Pamela Buckley, CRCM
  • 03 April 2019
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DEMOCRATISING MACHINE LEARNING

Though some banks have begun to explore their options with respect to large-scale adoption of Google Cloud AutoML solutions, others have been reluctant due to concerns that security and code dependencies remain. In this report, we discuss these concerns in relation to current solutions and highlight key considerations and takeaway messages for financial institutions.
  • Nadir Basma and Jibran Ahmed
  • 01 April 2019
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LIFE AFTER LIBOR: WHAT NEXT FOR CAPITAL MARKETS?

In the aftermath of the financial crisis, rigging scandals and sanctions, the days of LIBOR, the London Interbank Offered Rate, are numbered. As the predominant interest rate benchmark for USD, GBP, CHF and JPY derivatives contracts, underpinning more than $370 trillion of instruments, replacing LIBOR will fundamentally change the financial services industry.
  • Murray Longton and James Arnett
  • 01 April 2019
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CYBERSECURITY REGULATORY LABYRINTH

The current cybersecurity regulatory and compliance landscape is changing and disjointed. With no industry-adopted application to help map all regulatory requirements, organizations are forced to implement the ‘bottom-up approach’ to cybersecurity. This process is complex and time-consuming making regulatory compliance excessively complicated.
  • Scott D. Ramsey
  • 02 April 2019
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MICROSERVICES AND DATA INTEGRITY

To XA or not to XA - that is the question for those entrusted with moving mission-critical applications towards a microservices architecture. A microservice needs to own its data exclusively, but this ‘decoupled’ approach poses significant constraints when designing new systems. In this article, we argue the case for ‘event sourcing’ and CQRS patterns to provide the required data consistency.
  • Olivier Collard
  • 29 March 2019
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WHOSE SERVER IS IT ANYWAY?

In this paper, we will explore the instances when less is indeed more – and when it isn’t. This is by no means an exhaustive list, but it does hope to address a core range of both architectural and business considerations that users need to take into account before adopting a serverless architecture.
  • Beatrice Porcescu and Dave Cecil
  • 26 March 2019
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SUPERCHARGING OPEN BANKING FOR 2019

Open Banking has been live for over a year but the response from financial services and customers alike has been lacklustre. With the latest release of functionality deployed in March, the question needs to be asked, what will take Open Banking to the next level and what is the role that each actor in the Open Banking ecosystem needs to play? In our report, we outline the four key requirements to propel UK banks forward. 
  • Jacob Rebuck, Lucia-Florentina Ionescu and Nicole Jaquemet
  • 25 March 2019
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BREXIT AND THE STRATEGIC CHALLENGE FOR MANAGEMENT

In this article, we outline the different options available to banks, and the potential conflicts of interest that the C-suite of an international bank must manage to steer their business through these times of major political and economic uncertainty.
  • Marinela Bilic, Christoph Dimanski and Jorge Mejia
  • 22 March 2019
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POST TRADE OPTIMISATION: A NEW ERA IS EMERGING

The era of large-scale regulatory programmes such as MiFID2, EMIR and Dodd-Frank is starting to cool off. The current regulatory agenda is becoming more focused on specific areas, such as collateral management, settlement discipline, and an increased scope on regulatory reporting. It is time to take a more holistic focus on post trade optimisation and define and execute a strategy across all functions.

  • Mark Profeti
  • 22 March 2019
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THE DIGITAL AGENCY DILEMMA

The technology is finally available to go further in automating our processing and experiences throughout the transaction from consumer to agent/broker to underwriter to adjuster. How did we get here? And, what would a truly digital experience look like for the insurance industry?
  • Lisa Smith
  • 22 March 2019