Financial Services, EMEIA

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At EY Financial Services, we share a single focus – to build a better financial services industry, one that is stronger, fairer and more sustainable.
Now more than ever, as we plan for a post-COVID-19 world, financial services companies will need to harness the power of technology to transform their operations at scale and speed, to provide the products and services the customer of the future will demand.
The strength of our EY teams lies in the power of our people and technology, and the possibilities that arise when they converge to reframe the future. With extensive knowledge in financial services transformation, we are driving innovation with risk and regulation insight. Helping companies become stronger and more sustainable.
This is how our EY professionals are helping to build long-term value for our financial services clients. It’s how we play our part in building a better working world.

All articles

How European banks compare on readiness for EU payments regulations 

Facing EU financial regulation changes for PSR, PSD3 and FIDA, banks must enhance data sharing, compliance, and adopt faster payment methods. Learn more.

Why FiDA will unleash change across European financial services

Discover how the FiDA data regulation will transform financial services across Europe by 2027, and why firms must address new data-sharing rules.

How banks can prepare for the digital euro using four hypotheses

Explore how banks can prepare for the digital euro with strategic insights and key steps for successful integration by 2028. Gain a competitive advantage.

How to revolutionize the insurance value chain with generative AI 

Prioritizing the right use cases and establishing key capabilities will promote innovation and efficiency across the value chain. Learn more.

How PSD3 and PSR will shape trends in EU financial services

Explore impacts of the PSD3 and PSR on EU financial services on compliance and opportunities.

How to navigate the US$18t wealth management challenge

Wealth managers must shift the narrative to ride the breaking inheritance wave – and avoid running aground. Learn more.

Five priorities for winning with GenAI in wealth and asset management

Wealth and asset managers have the opportunity to reimagine their business models and transform their operations with GenAI.

Mike Lee + 2

Top 10 resolutions for wealth and asset management success in 2024

Wealth and asset management firms should aim to be “the best versions of themselves” in what promises to be another challenging year. Read more.

How financial firms can prepare for the 2024 regulatory landscape

Financial services firms will need to prioritize both event-driven and existing regulations to capitalize on untapped opportunities. Learn more.

How progress in TCFD disclosures can advance climate reporting

Read the findings of our global FS survey exploring how financial institution's nature-related disclosures align with the TNFD final recommendations.

How FIs are faring with the finalized TNFD recommendations

Read the findings of our global FS survey exploring how financial institution's nature-related disclosures align with the TNFD final recommendations.

How to accelerate transition finance for net zero

Learn why FIs need to operate iteratively to effect transition finance at pace and scale in a complex ecosystem.

How insurers can prepare to win in a high-volatility market

Developing capabilities, operational resilience and insurance digitization, push insurers to grow in uncertain times. Read more.

How insurers can realize value through digital transformation

With new cloud-based technology platforms and the right talent, insurers can promote ongoing innovation and generate sustainable value. Read more.

Why financial institutions should transform tax and finance functions

EY research shows banks, asset managers and insurance companies are reimagining their tax and finance functions. Read more.

How Europe’s FS leaders are approaching generative AI adoption

Discover how financial services leaders are approaching generative AI adoption.

How SME lenders can build next-generation credit decisioning

Discover the key factors and design principles for a framework that improves speed, quality, and customer experience.

    Digital and tech transformation

    The CFO Imperative: How do you transform data into insight?

    Finance leaders should accelerate an enhanced approach to environmental, social and governance (ESG) reporting. Find out more.

    How can banks transform for a new generation of customers?

    EY’s consumer banking survey reveals how banks need to transform to meet rising customer expectations. Find out more.

    How to build an inclusive leader mindset and culture

    Financial services firms are embedding the power of more inclusive leadership as part of their growth strategies. Learn more.

    What unseen megatrends will shape your transformation?

    Managing long-term risk is more critical than ever, yet often overlooked. Discover what you may be missing.

    Why digital, ecosystem-enabled banking transformation is the way forward

    Banks need to act to improve revenues and profitability, enhance customer experience and secure a bold strategic positioning in the market.

      Sustainability

      How progress in TCFD disclosures can advance climate reporting

      Read the findings of our global FS survey exploring how financial institution's nature-related disclosures align with the TNFD final recommendations.

      How FIs are faring with the finalized TNFD recommendations

      Read the findings of our global FS survey exploring how financial institution's nature-related disclosures align with the TNFD final recommendations.

      How to accelerate transition finance for net zero

      Learn why FIs need to operate iteratively to effect transition finance at pace and scale in a complex ecosystem.

      Why should financial institutions be on a mission to reduce emissions?

      Accelerating decarbonization is urgent. Learn why private sector institutions must play a key role in addressing the current shortfalls in climate finance.

      How ESG data markets have evolved for financial services

      The need for ESG data from financial services organizations is increasing rapidly, and ESG data markets are evolving to meet the demand. Learn more.

      How data can support financial services when assessing nature impact

      How can financial institutions start assessing their exposure to nature when market data is still evolving? Read more.

        Cross-sector

        Why financial institutions should transform tax and finance functions

        EY research shows banks, asset managers and insurance companies are reimagining their tax and finance functions. Read more.

        How Europe’s FS leaders are approaching generative AI adoption

        Discover how financial services leaders are approaching generative AI adoption.

        How European financial firms can better manage volatility risk

        For financial institutions (FIs), managing short and long-term volatility risks across strategy and operations will be key to their success. Read more.

        Why transition pathways are critical to net-zero success

        Sector-specific transition pathways are critical to the financial industry’s ability to turn climate ambition into climate action. Learn more.

        Four steps financial institutions can take on the path to net zero

        Innovative decarbonization strategies linked to clients’ transition pathways are becoming vital to success. Learn more.

        How financial services can mobilize capital to deliver net zero

        Learn how financial services firms can mobilize the capital flows needed to deliver net zero.

        Tom Groom + 1

          Banking & Capital Markets

          How European banks compare on readiness for EU payments regulations 

          Facing EU financial regulation changes for PSR, PSD3 and FIDA, banks must enhance data sharing, compliance, and adopt faster payment methods. Learn more.

          Why FiDA will unleash change across European financial services

          Discover how the FiDA data regulation will transform financial services across Europe by 2027, and why firms must address new data-sharing rules.

          How banks can prepare for the digital euro using four hypotheses

          Explore how banks can prepare for the digital euro with strategic insights and key steps for successful integration by 2028. Gain a competitive advantage.

          How PSD3 and PSR will shape trends in EU financial services

          Explore impacts of the PSD3 and PSR on EU financial services on compliance and opportunities.

          How financial firms can prepare for the 2024 regulatory landscape

          Financial services firms will need to prioritize both event-driven and existing regulations to capitalize on untapped opportunities. Learn more.

          Four enablers for harnessing the power of PayTech

          Payments providers need to consider customer experience design, risk, technology, and data and analytics to achieve smart growth. Read our latest article.

          How SME lenders can build next-generation credit decisioning

          Discover the key factors and design principles for a framework that improves speed, quality, and customer experience.

          Why European banks must obsess over customer experience to compete

          Discover how customer centricity in banking helps identify customer challenges to derive solutions and improve customer experience in banking operations.

          As the Basel deadline nears, are banks up for the challenge?

          EY survey shows wide disparities in readiness and approach to Basel 3 Reforms as regulators increase scrutiny following bank failures. Discover more.

          Why enhancing banks’ controls needs to be priority for the COO

          Bank COOs need to optimize controls to improve customer experience, simplify end-to-end, reduce cost and accelerate transformation. Learn more.

            Insurance

            How to revolutionize the insurance value chain with generative AI 

            Prioritizing the right use cases and establishing key capabilities will promote innovation and efficiency across the value chain. Learn more.

            How insurers can realize value through digital transformation

            With new cloud-based technology platforms and the right talent, insurers can promote ongoing innovation and generate sustainable value. Read more.

            How insurers can prepare to win in a high-volatility market

            Developing capabilities, operational resilience and insurance digitization, push insurers to grow in uncertain times. Read more.

            Nine customer types defining the next wave of insurance

            Shifting consumer needs are an invitation for insurers to innovate in pursuit of growth and to stay ahead of new competitive threats. Read more.

            Insurance ecosystems: six steps to set and execute the right strategy

            Early adopters of ecosystems in insurance demonstrate how to create near-term value and build a foundation for long-term success. Learn more.

            How insurance CFOs can embed ESG into finance and the wider business

            The sustainable finance for insurance CFOs publication outlines the key ESG considerations for the finance function and its broader role beyond reporting.

            Ecosystems in insurance: what winners do differently

            Ecosystems have changed the competitive stakes for insurers, raising significant risks for laggards and compelling opportunities for leaders. Learn more.

              Wealth & Asset Management

              How to navigate the US$18t wealth management challenge

              Wealth managers must shift the narrative to ride the breaking inheritance wave – and avoid running aground. Learn more.

              Five priorities for winning with GenAI in wealth and asset management

              Wealth and asset managers have the opportunity to reimagine their business models and transform their operations with GenAI.

              Mike Lee + 2

              Top 10 resolutions for wealth and asset management success in 2024

              Wealth and asset management firms should aim to be “the best versions of themselves” in what promises to be another challenging year. Read more.

              Are you reframing the future of asset management or is it reframing you?

              AI can help unlock the transformational change that asset managers need to remain relevant in a radically different future. Learn more.

              How will wealth managers deliver personal service in a virtual world?

              The 2023 EY Global Wealth Research Report imagines the next generation of hybrid engagement. How can wealth managers harness the potential benefits?

              Mike Lee + 3

              How can today’s millennial investors drive tomorrow’s business growth? 

              The 2023 EY Global Wealth Research shines a light on unique features of younger investors. How can wealth managers build trust with this vital group?

              Mike Lee + 3

              How wealth managers can secure assets in flux

              Learn how asset movement creates opportunities for wealth managers.

              Mike Lee + 3

              Six ways asset managers can prepare for an uncertain future

              Taking decisive steps to stand out and succeed in a fast-changing world. Learn more.

              Mike Lee + 2

              How will you reframe the future of advice if today’s client is changing?

              Find out how wealth managers and private banks can enhance their clients’ lives using a blend of people and technology to deliver personalized advice.

                Discover what COP28 means for financial services

                COP28 closed with a landmark agreement — reducing fossil fuels and scaling up renewable energy sources. Explore the implications for the financial services sector, which will play a crucial role in delivering the finance required for the transition.


                Case studies

                How a Nordic insurance company automated claims processing

                A Nordic insurer increased its operational efficiency and improved customer experience using automation. Learn more in this case study.

                How a new technology platform can help banks unlock financing for SMEs

                The Cashbot platform offers banks an online invoice finance solution for SME clients.

                How a global FinTech captured growth in the SME segment

                A global Fintech captured growth in an opportunistic SME segment with a differentiated, holistic strategy. Learn more in this case study.

                Matt Cox + 2

                Transforming a private bank for customer centricity and innovation

                EY teams helped a leading private bank blend a high-touch and high-tech visionary approach. Learn more in this case study.

                Mike Lee + 2

                How a digital platform can transform an insurer’s customer experience

                Learn how EY teams helped French insurer MACIF implement a service center to create a seamless customer experience across all channels.

                The Metaverse revolution: how banks can tap into a $860 billion market

                Banks and financial institutions should explore opportunities in this rapidly growing immersive world or risk being left behind. Learn more.

                Driving customer engagement for a direct-to-consumer insurance company

                EY Yello helps a single-platform insurance business to create the right social media strategy and brand image across markets. Learn more in this case study.

                How an established insurance company became digital-first

                UK insurer Hastings DIRECT wanted to rewrite the rules of its category by offering a seamless digital customer experience. Learn more about this case study.

                See more, spend less: How to make the most out of your legal function

                EY teams helped a global bank embrace innovation to develop a legal operations platform to speed up their process and cost optimization. Learn more.

                How banks can fight tax crime, be compliant and reduce costs parallelly

                EY teams helped a global bank develop an automated solution for addressing compliance with customer tax regulations. Learn more.

                How intelligent automation can empower employees to drive greater value

                A banking client wanted to automate some of their business processes: EY provided a route to a much more comprehensive vision of automation.

                How banks can maximize long-term value by minimizing third-party risk

                Working with third parties is necessary but can be risky. EY helped a client understand these risks and transform their risk management model. Learn more.

                How wealth managers transform service models efficiently

                EY helped a global wealth manager create innovative services and initiate a digital transformation to support its client-first ambition. Learn more.

                Why human-centered thinking proved transformative for a global bank

                EY’s human-centered approach helped improve customer experience while ensuring multi-market regulatory compliance.

                How technology fights FinCrime while enhancing regulatory compliance

                EY enabled a large global bank to lead the fight against FinCrime in a way that also helped it improve efficiency and increase compliance. Find out more.

                Transforming legacy systems to unlock long-term value

                EY helped an APAC stock exchange use Intelligent Automation (IA) to achieve efficiency, scalability and a culture of innovation. Learn more.

                  Transforming financial services

                  EY Nexus is a business transformation platform optimized for financial services. It accelerates innovation, unlocks value in ecosystems and powers frictionless customer experiences.


                  Sustainability in financial services

                  A sustainable world needs sustainable finance. We are helping to build a better financial services industry – one that is stronger, fairer and more sustainable by helping organizations to create value, accelerate the transition, and make a measurable difference.

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                  EY ifb | Finance and risk transformation advice

                  Providing the finance and risk functions of banks and insurance companies with customized board solutions to help them transform.

                  EY Alliances in Financial Services

                  Unlock new value in the Transformative Age with EY alliance and ecosystem relationships.

                  EY Financial Services EMEIA Webcasts

                  Our webcasts are a collaboration between EY and industry professionals covering a wide range of Financial Services topics.

                  EY Financial Services EMEIA Podcasts

                  Explore all the latest Financial Services podcasts from across EMEIA.


                  Featured press releases

                  82% of European financial services boardrooms include directors with political experience

                  LONDON, Monday 17 June 2024: The majority (82%) of European financial services firms' boardrooms include at least one director with experience of either a ministerial or parliamentary position or a civil service or government-appointed role, providing crucial expertise amid the 2024 election super cycle, according to the latest EY European Financial Services Boardroom Monitor.

                  17 Jun 2024 | London, GBR | Sarah Graham

                  UK continues to be Europe’s most attractive location for foreign direct investment (FDI)

                  LONDON, 20 MAY 2024. The UK continues to be Europe’s most attractive location for foreign direct investment (FDI) into financial services – and has accelerated its lead over other European markets – according to EY’s latest Attractiveness Survey for Financial Services.

                  20 May 2024 | London, GBR | Sarah Graham

                  Our leaders

                  Omar Ali

                  EY Global Financial Services Leader-Elect; EY EMEIA Financial Services Regional Managing Partner
                  Passionate about building a better financial services industry with EY people and clients. Champion for DE&I and helping the people to reach their potential. Board member at TheCityUK.
                  London, GBR

                  Martina Keane

                  EY EMEIA Financial Services Chief Operating Officer; EMEIA Deputy Regional Managing Partner
                  Accountancy leader. Innovation champion. Lover of the great outdoors.
                  Dublin, IRL

                  Hanne Kaerhoeg

                  EY EMEIA Financial Services Markets Leader
                  Focused on building and delivering client transformation for financial services businesses. Keen advocate for DE&I and the role of women in technology. Mother of three. Loves running and hiking.
                  Copenhagen, DNK

                  Anne-Marie Balfe

                  EY EMEIA Financial Services Talent Leader
                  Talent strategist. Business transformation enthusiast. Committed to development. Advocate for diversity, equity, and inclusiveness. Mom who loves running.
                  London, GBR

                  Alex Birkin

                  EY EMEIA Financial Services Consulting Leader and Managing Partner
                  Focused on creating the world’s leading transformation consultancy, trusted to help EY clients generate long-term value. Passionate about cars. Keen golfer. Husband and father of three.
                  London, GBR

                  Benoit Gerard

                  EY EMEIA Financial Services Strategy and Transactions Leader
                  Impact-driven strategic thinker with a technical edge. Passionate about financial services. Father of three daughters.
                  Diegem, BEL

                  Hermin Hologan

                  EY EMEIA Wealth & Asset Management Leader
                  Wealth and asset management advisor. Champion for anti-racism and DE&I. Father. Keen golfer.
                   

                  Tara Kengla

                  EY EMEIA Financial Services Public Policy Leader
                  Partner in UK CFO Consulting Services. Global experience in Banking. Active on diversity iniatives at EY and in the business community in London.
                  London, GBR

                  Loubna Lemaire

                  EY EMEIA Financial Services Tax and Law Leader
                  Tax lawyer. Advocate for diversity, equity and inclusiveness. Proud mother of two boys. Passionate about travel and culture.
                  Paris, FRA

                  Phil Vermeulen

                  EY EMEIA Financial Services Insurance Leader
                  Transformation leader and client relationship partner. Passionate about helping insurance clients fulfill their potential. Average runner; better cook. Father to twin boys.
                  Zurich, CHE

                  Bharat Mathur

                  EY EMEIA Financial Services (FS) Strategic Alliances Leader; EY Global FS Microsoft Alliance Executive Sponsor; UK FS Payments Leader
                  Leader focused on driving value for clients by embedding disruptive technology into their businesses. Bharat is married to Smita and likes to unwind with family or on the tennis court.
                  London, GBR

                  Nigel Moden

                  EY EMEIA Financial Services Banking and Capital Markets Leader
                  Passionate believer in the banking industry as a force for good. Leading advocate for the talent agenda in EY. Builder of diverse teams. Avid cricketer.
                  London, GBR

                  Paul Noonan

                  EY EMEIA Financial Services Region Finance Leader
                  Finance leader and business advisor, driving better insights through analytics to facilitate better decisions. Husband. Father. Fitness enthusiast, golfer and rugby fan.
                  London, GBR

                  Claus-Peter Wagner

                  EY EMEIA Financial Services Assurance Leader
                  Committed to strengthen the confidence and trust in the financial markets. Top priorities are the development of EY people for the future and to deliver high quality work.
                  Eschborn/Frankfurt (Main), DEU

                  Anna Anthony

                  EY UK Managing Partner, Financial Services
                  Passionate about helping the financial services industry become a force for social good. Champion of creating a culture of equality where people feel they belong. Keen wildlife photographer.
                  London, GBR

                  Stefano Battista

                  EY Italy Managing Partner, Financial Services
                  Transformational leader. Growth-oriented. Inspirer and motivator. Husband and father.
                  Milano, ITA

                  Olivier Coekelbergs

                  EY Luxembourg Managing Partner, Financial Services
                  Passionate about Private Equity and mentoring talents. Loves fishing.
                  Luxembourg, LUX

                  Ralf Eckert

                  EY Germany Managing Partner, Financial Services
                  Passionate about digital and talent transformation. Advocate for diversity, equity and inclusion. Father to three children. Golf enthusiast.
                  Eschborn/Frankfurt (Main), DEU

                  Xavier Freynet

                  EY France Managing Partner, Financial Services
                  Focused on helping clients through innovation, transformation and long-term collaboration. Family. Rugby.
                  Paris La Défense, FRA

                  Thomas Griess

                  EY Germany Financial Services Strategy and Transactions Leader
                  Certified accountant and certified tax consultant. EY Germany Financial Services Leader. Passionate about tennis, golf, skiing and diving. Treasurer at the Lions Club.
                  Eschborn/Frankfurt (Main), DEU

                  Yannick Grécourt

                  EY EMEIA Financial Services Digital Service Leader
                  Innovative leader. Passionate about understanding clients. Curious about new technology. Energized by team success. Married sailor with two daughters.
                  Diegem, BEL

                  Bruno Patusi

                  EY Switzerland Managing Partner, Financial Services
                  Passionate business leader. Trusted auditor and advisor to the financial services industry.
                  Zurich, CHE

                  Colin Ryan

                  EY Ireland Financial Services Leader
                  Passionate about effective teaming and finding novel approaches to complex problems. Known for building high performing teams and a commitment to long-term outcomes for EY clients.
                  Dublin, IRL

                  Ana Salcedas

                  EY Portugal Financial Services Managing Partner, Ernst & Young, SROC
                  Responsible for building the Financial Services team in Portugal and Angola. Mother of two girls. Passionate about travelling and interacting with new people and cultures.
                  Lisbon, PRT

                  Dan Saunders

                  EY Channel Islands Managing Partner, Financial Services
                  Leads audits and services to Jersey, Guernsey and international clients. Passionate about helping people achieve their potential. Enjoys traveling. Husband and father of two.
                  St. Helier, JEY

                  Sven Tärnvik

                  EY Nordics Financial Services Managing Partner
                  Passionate about financial services and consulting. A “family man” with wife Tina and three children, living at Lidingö just outside Stockholm. Loves music. Pretty good cook and disastrous golfer.
                  Stockholm, SWE

                  Careers in Financial Services

                  Help us shape the future of financial services. If you have an appetite for innovation, creating growth and making a lasting impact, explore our opportunities today.

                  new-ideas-for-successful-business-and-financial-stability