IT in banks: What does it cost? High IT costs call for an eye on efficiency
- Deutsche Bank Research
-
26
Dic
2012
Financial services firms will spend between USD 270 billion and USD 460 billion on IT in 2013 globally. IT cost figures in banking are estimates and differ substantially between different sources.
The foundations of financial inclusion : understanding ownership and use of formal accounts
- Banco Mundial
-
17
Dic
2012
Las autoridades responsables de formular políticas públicas pueden incrementar la cantidad de personas que usan servicios financieros formales mediante medidas tendientes a reducir los costos, los requisitos de documentación y las distancias de viaje asociados con el acceso a una cuenta bancaria, indica una nueva investigación del Banco Mundial.
Growth opportunities for financial services in emerging markets
- Deloitte
-
14
Dic
2012
To help financial services companies around the world better understand and assess the opportunities, challenges, and risks that emerging markets present, the Deloitte Center for Financial Services presents a global research project that focuses on six countries in the Asia-Pacific region. New reports on Vietnam and Malaysia round out the six countries in focus - Indonesia, Thailand, China and India.
Frontiers in Finance - December 2012
- KPMG
-
13
Dic
2012
The global economic situation continues to dominate the environment for financial services. In the US, there are a few encouraging signs in the retail and housing sectors, but uncertainty leading up to the presidential election cast a long and lingering shadow. In China, there are fresh concerns about the slowdown in growth despite continuing strong exports.
Financial Services Companies Can Be Major Players in Sustainability Efforts
- Accenture
-
05
Dic
2012
The Sustainable Energy for All initiative was launched by the United Nations Secretary-General Ban Ki-moon to mobilize action and partnerships focused on sustainably meeting the increasing energy requirements of businesses and society. The initiative has set three primary objectives, to be met by 2030: ensuring universal access to modern energy services; doubling the global rate of improvement in energy efficiency; and doubling the share of renewable energy in the global energy mix. This report looks at the financial services industry and identifies five priority actions it can take to reduce its energy use while simultaneously driving high performance.
U.S. Financial Services Board Index 2012
- Spencer Stuart
-
30
Nov
2012
Now in its third year, the U.S. Financial Services Board Index examines the data and trends in board composition, board practices and director compensation for the 79 S&P 500-listed financial services firms, providing a window into the governance trends affecting these companies.
Pricing: The White Knight for Wholesale Financial Services?
- Boston Consulting Group
-
28
Nov
2012
ROE in the global wholesale-banking industry dropped from 25 percent in 2006 to 8 percent in 2011. Concurrently, revenue declined by 21 percent, and zero growth is estimated for 2012. In such an environment, in which companies are hitting the saturation point on cost efficiencies, pricing could be the white knight.
Propuesta de directiva relativa a los mercados de instrumentos financieros, por la que se deroga la Directiva 2004/39/CE del Parlamento Europeo y del Consejo (refundición)
- Consejo de la UE
-
27
Nov
2012
La presente Directiva pretende abarcar a las empresas cuya profesión o actividad habituales sea prestar servicios o realizar actividades de inversión con carácter profesional. Por consiguiente, debe excluirse de su ámbito a toda persona que tenga una actividad profesional de otra naturaleza.
Clearing and Settlement in Europe
- Clifford Chance
-
26
Nov
2012
With significant amounts of money involved in the complex processes of clearing and settlement, a clear understanding of the law and practice in this area has become essential. Directly addressing this need for clarity, Clearing and Settlement in Europe is the first text to tackle these issues comprehensively both in theory and in practice.
International Regulatory Update 12-16 November 2012
- Clifford Chance
-
22
Nov
2012
Clifford Chance's International Regulatory Update is a weekly digest of significant regulatory developments affecting banking and investment banking business, drawing on our daily content from our Alerter: Finance Industry service.
International Regulatory Update 5-9 November 2012
- Clifford Chance
-
13
Nov
2012
Clifford Chance's International Regulatory Update is a weekly digest of significant regulatory developments affecting banking and investment banking business, drawing on our daily content from our Alerter: Finance Industry service.
International Banking Study - "Collateralized trading business in new realities"
- Roland Berger
-
12
Nov
2012
The market for financial institutions has changed fundamentally. Increasing uncertainty and collapsing margins in conventional areas of business have led financial services providers to use collateralized trading for active liquidity management and an additional source of income.
The Promise of Mobility: A bank in every pocket
- Backbase
-
08
Nov
2012
La banca móvil crece a una velocidad vertiginosa, y no es de extrañar puesto que ya existen más de 1000 millones de usuarios de smartphones en todo el mundo. La cantidad de nuevos sistemas de pago, aplicaciones y servicios que se lanzan al mercado aumenta cada día, y por esa razón los bancos se ven obligados a renovarse más rápido que nunca.
Coordenadas BDO - Noviembre 2012
- BDO
-
30
Oct
2012
Hasta la fecha los Juzgados y Tribunales españoles que han tenido la posibilidad de entrar a analizar las numerosas reclamaciones relacionadas con los contratos de suscripción de participaciones preferentes se han pronunciado ya en una veintena de ocasiones a favor del cliente de la entidad bancaria. Entre ellas, la sentencia dictada por el Juzgado de Primera Instancia nº 1 de Cambados parecía abrir todavía más el camino hacia la consolidación de dicha jurisprudencia.
International Regulatory Update 22-26 October 2012
- Clifford Chance
-
30
Oct
2012
Clifford Chance's International Regulatory Update is a weekly digest of significant regulatory developments affecting banking and investment banking business, drawing on our daily content from our Alerter: Finance Industry service.
There’s life in the branch yet
- KPMG
-
17
Oct
2012
The rise of digital banking has led to speculation that the high street branch is about to go into an irreversible decline. However, KPMG's own customer research has shown that a sizeable proportion of customers of all ages still value the branch for sales and service, suggesting an ongoing role foe the branch for some time to come.
What Drives Innovation in Payments? Conclusions of the Report ‘Innovations in Retail Payments´ published by the Committee on Payment and Settlement Systems´
- European Payments Council (EPC)
-
11
Oct
2012
In order to obtain an overview of payments innovation globally, the Committee on Payment and Settlement Systems (CPSS), established the Working Group on Innovations in Retail Payments (the Working Group), which recently published the report ‘Innovations in Retail Payments' (see ‘related links' below). The report contains a number of elements geared to assessing what an innovation-friendly environment should look like. The Working Group, focused on fact-finding, in order to define the most relevant developments and to identify the major factors driving and hampering innovation.
Ombudsman news - issue 105
- Financial Ombudsman
-
11
Oct
2012
It's not news that we're receiving record levels of complaints. And the media is never short of stories about the widespread lack of trust in financial services - and real-life examples of where financial institutions have got things badly wrong. But recently, I've noticed a shift in the way this is reported and commented on. Alongside concerns about the banks' sales approach and incentives, I've noticed more talk of "fraudulent claims" - with some reports that people are claiming for policies they never actually had. All this fuels the argument that society's in the grip of "compensation culture" - and that this culture is growing in financial services.
Loaded With Uncertainty: Are Prepaid Cards a Smart Alternative to Checking Accounts?
- Pew
-
11
Oct
2012
General purpose reloadable prepaid cards are rapidly growing in popularity. Consumers are using them to make purchases, withdraw money from ATMs, and pay bills. This new study reveals that the prepaid card is a risky, largely unregulated alternative to the traditional checking account, but may work for some consumers who frequently incur high bank overdraft fees.
International Regulatory Update 1-5 October 2012
- Clifford Chance
-
10
Oct
2012
Clifford Chance's International Regulatory Update is a weekly digest of significant regulatory developments affecting banking and investment banking business, drawing on our daily content from our Alerter: Finance Industry service.
FSA Update - 8 October 2012
- Clifford Chance
-
10
Oct
2012
FSA Update is a weekly alerter providing views on the publications issued by the FSA during the last week. It provides a quick way to keep up to speed with what is going on at the FSA and is particularly aimed at lawyers who do not deal with FSA rules every day but have to be aware what the FSA is doing as it may impact upon their work.
Ending the endless reorganisation: Building an adaptable financial services operating model
- PriceWaterhouseCoopers
-
03
Oct
2012
Too often we see financial institutions shift their business strategies but fail to adapt their operating models. The result? Risk soars, performance stops and competitors pounce.
Pay: What motivates financial services executives? The psychology of incentives
- PriceWaterhouseCoopers
-
02
Oct
2012
Over the past few years pay practices in the financial services sector have come under intense scrutiny. Driven partly by the belief that the banking crisis was in part caused by excessive shortterm risk-taking encouraged by a bonus culture, regulators, governments and shareholders in many countries have pushed for changes in reward in the sector, and in particular for an ever‑greater emphasis on longer term incentives
Under the microscope. Complaints Benchmarking Survey 2012
- Ernst & Young
-
02
Oct
2012
Not all customer complaints are captured by the published FSA complaints data; the data only reflects interactions that fit the FSA's definition of a reportable complaint in DISP. However, firms' interpretation of the FSA's definition of a complaint is creating disparity in what is reported. The discrepancy centers on the stipulation that a complaint must relate to financial loss, material distress or inconvenience. Firms use various interpretations of the definition and apply it in different ways, compounding the discrepancy. Therefore, the FSA data cannot accurately be compared on a "like for like" basis.
Financial Services Compensation Scheme: changes to the Compensation sourcebook
- FSA
-
02
Oct
2012
In this Policy Statement we summarise the feedback to CP12/7 Financial Services Compensation Scheme: changes to the Compensation sourcebook, and present our final rules. CP 12/7 proposed changes to some of the rules in our Compensation sourcebook (COMP) that govern the operation of the Financial Services Compensation Scheme (FSCS). As a package, the proposals aimed to give the FSCS the flexibility in certain circumstances to pay claimants more quickly and efficiently.
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