Quebec Market Insights

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Quebec Market Insights:
The latest on Financial Services

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 valuation of crypto-assets

There is a healthy degree of skepticism when it comes to the ability to apply traditional valuation techniques to crypto-assets. This has been heightened over the past year in light of the extreme volatility of bitcoin and other cryptocurrencies.

Avoiding the automation trap

A process first approach to intelligent automation in financial services

The financial services industry is facing significant disruption. Regulatory pressure is giving way to growth priorities in a changing competitive landscape. In this environment, cost pressure remains constant while customer expectations are rising rapidly, driven by the digital experiences delivered by leading companies and nontraditional market entrants alike. Consumers today have interactions with their smart devices that are intuitive, immersive, engaging and reliable. They have come to expect the same from their financial services experience.

Risk management’s innovative new world: business enablement, consumer trust

The need to engage customers at key moments and the imperative to build trust are reshaping both the conjoined futures of banking and risk management across financial services. As organizations transform their business models in response to tech-driven disruption and changing customer expectations, risk management functions must also reconfigure their approach and capabilities. While many moving parts exist — technology, processes, people, and organizational/ cultural factors among them — risk management leaders must manage in this evolution proactively.

Banking and Capital Markets

#payments newsletter – v22

insights. opinions.

#payments provide insights and opinions regarding the key topics driving the payments industry and gives a comprehensive overview of the latest M&A and Venture Capital transactions.

Broker-dealer financial regulatory reporting

Current landscape and challenges

Given the direction of regulatory trends observed, broker-dealers have continued to face rising financial regulatory expectations from multiple parties. This includes sometimes ambiguous and changing rule interpretations around compliance with SEC Rule 15c3-3 customer protection, SEC Rule 15c3-1 net capital computations and related monthly reporting included in the FOCUS report.

2019 Global bank Regulatory Outlook

Preparing for regulation in the digital age

While banks and regulators are still addressing legacy regulatory issues, technology continues to transform the industry in unforeseen ways. Our 2019 Outlook examines the critical role of data governance and risk management in the post-financial crisis climate, as well as legacy issues and emerging risks that banks will face in 2019 and the future.

Insurance

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?

Owning, using, and protecting data: opportunities and risks for leading insurers

Insurance Governance Leadership Network (IGLN) – January 2019

The document synthesizes conversations with participants during and leading up to the recent Insurance Governance Leaders network (IGLN) meeting. It provides direct insight into how board members and the C-suite of the world’s largest insurers are thinking about important topics.

EY Insurance Outlook 2019

Our insurance outlooks for 2019 confirm that technology and innovation are key to driving agile growth in a challenging environment.

Wealth and Asset Management

Gender lens investing: More than women on the board

As investors draw their attention toward a more #gender-equal society, investment approaches must evolve in order to capture their wealth. Find out why wealth and asset managers should adapt their approaches to women as an investor class with unique goals, strategies and needs through tailored products and services, such as gender lens investing, which goes beyond advocating for more women on boards.

The race to digital transformation: Developing a winning data strategy

In this article, EY Wealth & Asset Management Partner Howard Mannion explains why asset managers will invest heavily in advanced data and analytics capabilities in the next few years. Data and analytics underpin all the new technologies that are transforming asset management. The future digital winners will be those asset managers who use today to address their data issues as they deliver upon their strategic objectives.

Applying the private equity playbook to cloud migration

Chief financial officers (CFOs) and chief information officers (CIOs) have balanced a difficult position since the recent financial crisis — drive down costs while demand for computing power, storage and bandwidth continue to accelerate. The general response among financial services firms has been to double down on large-scale enterprise IT capacity, leading to investments in fewer but larger data centers, more enterprise license agreements, and larger and longer vendor commitments.

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