Financial Services sector Thought Leadership

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Financial Services sector Thought Leadership

In an ever changing financial services industry, how can your business continue to thrive?

The banking, insurance and wealth management sectors are being reshaped. Innovation, new regulatory demands, evolving tax environments and disruptive thinking from industry leaders are but some of the challenges that current business management must face on a daily basis.

How do you plan to succeed?

Cross Financial Services Industry

The Outlook for global tax policy and controversy in 2019

The outlook for global tax policy and controversy in 2019 is a survey of EY tax policy and controversy leaders in 48 jurisdictions. It covers known and forecasted tax changes in each jurisdiction, spanning all key tax types and including specific information on enforcement trends and key audit triggers.

Getting your intelligent automation program off to a flying start

Intelligent automation combines artificial intelligence (AI) – including natural language processing, machine learning, and decision networks – with robotic process automation (RPA). As technologies (such as voice recognition, natural language processing and machine learning) become more sophisticated, the range of business issues to which intelligent automation can be applied to is expanding.

Cybersecurity reporting: Now, next and beyond

The rapid pace of disruption brings new risks and threats for financial services firms. The nature and scale of this change encourages information-sharing among firms in areas ranging from engaging the business, to enhancing the content and format of key reports (including those for the board and regulators), to deciding on the right technologies to deploy.

Fraud risk management

With fraud occurrences, sophistication and severity increasing, regulators are taking a hard look at controls.

For years, many in the financial services industry, including Ernst & Young LLP (EY), have been predicting an increase in the amount of regulatory scrutiny that organizations may face related to fraud risk management. Considering that most global financial institutions (FIs) individually budget for fraud losses in the hundreds of millions of dollars during the normal course of business, and that at times, these losses can spike significantly, fraud represents a significant threat to every institution.

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Banking and Capital Markets

Untapped potential

Investing in the French non-performing loan market

This document sets out the opportunities and challenges of investing in the French NPL market. In particular, we provide an overview of the economic context, the debt servicer and purchaser landscape and an overview of the regulatory and legal hurdles.

Upgrading legacy banking platforms

Bank Governance Leadership Network (BGLN) viewpoint

Banks have spent the past few decades cobbling together systems that are no longer fit for purpose. A recent report by the UK’s Financial Conduct Authority (FCA) noted that nearly 50% of banks do not upgrade or retire old IT systems as early as they should.

Achieving operational resilience

Bank Governance Leadership Network (BGLN) viewpoint

The initial decade following the crisis focused on financial resilience, notably on capital and liquidity. However, over the last year or so, the focus for many regulators has shifted to operational resilience. As then-chair of the Financial Stability Board and Governor of the Bank of England, Mark Carney, put it, "An anti-fragile system must be as robust to operational failures as to financial ones."

How open banking could save branch banking

The demise of the bank branch has been predicted for years. Today that death knell seems to be ringing louder than ever as branch visits continue to decline. Customers are increasingly migrating toward new digital technology options allowing them to conduct banking from their phones. At the same time, more mobile-only challenger banks are launching and rapidly attracting customers and accounts.

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How insurers can maintain customer trust while using their data – Tapestry Networks

Competitive pressures are driving insurers to take advantage of the large amounts of data at their disposal. But security and privacy concerns are limiting their ability to do so. As they face challenges in collecting and using that data, regulation and customer expectations are increasing standards for privacy and data governance.

How digital transformation is a game changer for insurers

Providing services on the promises of a personalized insurance experience will require a digitally enabled organization that is agile, nimble and responsive to customer needs. Insurers will have a competitive advantage if they can leverage ecosystems, rebuild consumer trust, and make financial well-being a reality for everyone.

The network revolution and the new insurance ecosystem

Becoming a leader of the digital marketplace

For insurance incumbents to become successful digital enterprises, organizational change that extends beyond simply investing in the latest digital technologies is essential. Tomorrow’s leaders understand that it’s less about digital versus non-digital (we are at that point where this is no longer an option), but rather it’s about network ecosystem platforms compared with traditional industry borders and business models that no longer satisfies customer demands.

If data is the fuel for analytics, how can incumbent insurers ignite their business?

Analytics is an essential tool to help insurers remain competitive. But traditional insurers within Asia-Pacific are struggling to get access to the data in their legacy systems to enable advanced analytics. How can they gain access to this essential “fuel” to power the engine of digital insurance?

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