Reply is the place to meet an incredible variety of enthusiastic, passionate, ideas-driven people, who want to make a difference and an impact.Would you like to know more?
A range of industry-focused solutions that help organisations review and enhance the effectiveness of their risk management and financial performance measurement capabilities.
Financial Institutions are facing a great number of challenges to be tackled at the same time. They have to operate with a new wave of regulations to strengthen their balance sheet structure, to beat the burden of a negative credit cycle and to deeply rethink their ‘go to market’ model.All this goes together with the Digital Transformation and the new Customer’s behaviors and needs.
Reply offers a 360 degrees of support in mission critical areas where relevant innovation is a must. Reply approach is made of management consulting services and functional know-how with deep knowledge of software solutions and strong system integration capabilities.Main areas of expertise: • Wealth management• Multichannel models and solutions • Mobile Payments• Cyber Security• Retail credit• Government Risk Control service
Definio Reply™ is an integrated platform capable of addressing the needs of management, analysis, reporting and logging of financial assets. The target customers of the Definio Reply™ solution have as their objective the active management and monitoring of financial portfolios.The integration of the
financial database with the asset database makes Definio Reply™ a viable and complete alternative to vertical portals.
On November 25, 2015 the European Parliament and the Council of the European Union issued the PSD2 (Revised Payment Services Directive). Reply partners with Banks to help them capitalise on the opportunities offered by the PSD2 and is able to offer several business opportunities that can be integrated as part of sustainable use cases.
Insurers need to quickly understand their business and interpret data to foster innovation, reduce operational costs and provide a platform appropriate for accurate and fast assessment of risk / innovative pricing, for compliance and to leverage new sales channels.
On an almost daily basis the press talk of diverse projects funded by participatory finance. Everyone finds their niche whether it be the "contributor" who is involved in the output of a project and receives a reward or "the project leader" who finances and publicises it, or the "platform" itself which receives commission for services provided by bringing together the contributors and project sponsors.
The latest scenario developed by Reply that Banca Sella has chosen to extend its mobile-payments services by taking forward the experimental innovations begun with Up Mobile, is mobile POS. This acquiring solution exploits synergies between a smartphone or tablet and a PIN pad – a simple device that can read traditional payment cards.
Open Reply is honoured to have been chosen as a partner to support ABBL's Digital Banking and FinTech Innovation Cluster in developing and delivering a series of 40 workshops on FinTech topics.
Syskoplan Reply developed a consistent
Customer Relationship Management solution for Deutsche Börse. SAP CRM standard software was refined to create a solution specially tailored to the needs of Deutsche Börse that optimally supports the business processes for the specialised areas.
Reply promotes joint research on the future of digital currencies based on Blockchain technology. The research, referred to as Cryptoeuro, is promoted by Reply in collaboration with the Blockchain & Distributed Ledger Working Group of the Digital Innovation Observatories of the Polytechnic University of Milan and the participation of the Associazione Italiana Istituti di Pagamento e di Moneta Elettronica (AIIP - Italian Association of Payment and Electronic Currency Institutes).
Especially in banking, BI solutions are important management tools that enable decision making and the preparation of marketing campaigns based on facts. DAB Bank chose Riverland Reply for upgrading Siebel Customer Relationship Management (Siebel CRM) 220.127.116.11 with Computer Telephony Integration (CTI) as well as to integrate Oracle Business Intelligence 11g (OBI).
The direct automobile insurer Direct Line offers motorists a iPhone App, which in the event of an accident, enables them to quickly forward all important information to their insurer without complications and to search for a repair shop.
eFinance Consulting Reply, Pay Reply, Blue Reply and Orrick host the event Bank 3.0: the opportunities of PSD2. The event is focused on the opportunities of the PSD2 Directive, which implementation in Italy is expected to enter into force in January 2018.
Implementation of marketing campaign management and stock exchange specific business partner structures; significant involvement in coordinating development and in realizing functional extensions and system integration have been realised by Reply.
In addition to the excellent technological support provided within the scope of project and architecture development, the experience gained by Technology Reply in recent years has also allowed the company to offer a functional support service covering Fideuram Investimenti’s main areas of application, thereby minimising the delivery times associated with the development of new financial products.
In the face of an ever rising digital agenda in Europe, banks are jumping on the fintech bandwagon, hoping to jumpstart innovation. Technology stands today as a catalyst for change in established banking institutions, write Astrid Froidure,
Open Reply, and Fausto Jori,
e*finance consulting Reply.
Three connected forces drive the need for change in the Banking sector: technology, competition and behaviours. For this reason, banks need to define their road to innovation.
Insurances: over the years, complexity and costs related to the management of insurance processes have undermined the profitability of companies and inhibited the distribution of innovative insurance products. A platform was developed which, by integrating with the Ethereum Blockchain, facilitates the setting and enforcement of smart contracts for travel insurance. Insurechain is a solution that facilitates the automation of premium calculations, the management of appraisals and the settlement of certain types of claims, ensuring end-user transparency.
Reply takes part in Dimensione Cliente, the ABI institutional event on Retail dedicated to the relationship between the Bank and the Retail Customer, now in its tenth edition. Reply holds the speech "Millenials and Banks: “disintermediation” risk or incentive to innovate the sector?".
Blockchain technology’s potential in changing the banking processes has created a dilemma for financial institutions uncertain of how best to use the exciting new technology. The article is focusing on the aspects that will be positively affected by the adoption of the
Blockchain technology. The feature displays the voice of the most prominent experts of the field, including Fausto Jori, Partner at
e*finance consulting Reply.
The US wealth management industry is undergoing significant transformation, meeting its challenges by leveraging technology. Financial advisory services are evolving from a traditional personal relationship approach to one of automation, emphasizing lower costs. New entrants are disrupting the market with innovative products and services, and established participants are adapting to the changes or losingmarket share. Assets are growing while the number of human financial advisors is shrinking. New operating models include discount and online brokerages and robo-advisors.
Reply supports UniCredit for
Appathon 2015, a 24 hour hackathon dedicated to App Developer, a Web Designer or a Marketing Specialist with the aim of developing a mobile app for financial services. The event is held on
November 7th-8th, 2015 at the UniCredit Pavilion in
The Austrian Helvetia Versicherungen AG has extensively digitized their case processes. Whether by post, fax or e–mail - the upstream post scanning, electronic files and mailboxes enable identical processing regardless of media. The transformation was completed in a two-year project based on the Macros eWorkplace software. The special procedure followed by Helvetia for tendering and implementation is to be regarded as best practice.
When consumers think of dealing with their bank, the image of an insightful and efficient experience doesn’t necessarily spring to mind. Banking is more of a necessity than a chosen pastime!
Iriscube Reply and e*finance consulting Reply join the 8th edition of Forum Banca 2015 which take place in Milan on 29th September 2015. The conference is an important reference point for technological innovation and process optimisation within the financial and banking sectors.
Over the next 12 months the transformation of the financial services industry is set to continue to accelerate. This paper sets out our view on some of the key challenges for firms in 2015 across three key areas: Regulatory Change; Digital Transformation; Business Optimisation.
BNP Paribas Fortis chose Reply to develop a new iPad app for its sales network, that financial advisors can use during sales conversations with their customers.
Due to a perception of endemic behavioural and cultural problems within the banking industry and repeated failings of current legislation to address these failings, a new Senior Managers Regime (SMR) is being introduced, with binding rules to be released in early 2015. The new rules will specifically address the perceived problem of accountability where an individual had greater scope to shirk responsibility. The lines of responsibility will now be much clearer, by removing ambiguity and confusion. There will also be much harsher penalties for non-compliance.
This white paper outlines the opportunity at a high level for mobile operators to innovate new services, increase revenues and develop new business lines based on Bitcoin and other key Digital Currencies currently available.
In order to effectively support management in the value-added creation, the Finance function must increasingly drive strategic issues aimed at guaranteeing the economic sustainability of business. To this end, thanks to its many years of experience in Business Performance Management, Reply Consulting has developed FINSIGHT, a financial planning application that can be integrated with Oracle Hyperion.
In January 2013, the Basel Committee on Banking Supervision (“BCBS”) issued a set of Principles to improve banks’ risk management practices, decision - making processes and resolvability. Firms designated as global systemically important banks (“G-SIBs”) are required to implement the Principles in full by the beginning of 2016. Like the BCBS, national regulators believe that the principles can be applied to a wider range of banks. This Practice Note looks into the implementation of the Principles to date not only in G-SIBs but also in medium-sized banks.
In January 2013, the Basel Committee on Banking Supervision (“BCBS”) issued a set of Principles to improve banks’ risk management practices, decision-making processes and resolvability (BCBS 239). Following these new principles, Avantage Reply published a first Briefing Note, identifying quick wins to enable compliance with the Principles by January 2016.
In January 2013, the Basel Committee on Banking Supervision (“BCBS”) issued a set of Principles to improve banks’ Risk Management practices, decision-making processes and resolvability (BCBS 239).Drawing on the lessons learned with our clients in Belgium, France, Germany Italy, Luxembourg, the Netherlands, and in the UK, Avantage Reply set out pragmatic solutions to address implementation issues faced by Institutions.
Xuccess Reply, in collaboration with Meridan Consulting, is organising Symposium 2014: New developments in Regulatory Reporting for banking. The event will be held in Frankfurt am Main on September 23, 2014.
Avantage Reply presented its ‘Pragmatic guide to BCBS 239 compliance: Inventorise, Connect and Control” at the Regulatory Risk Summit in London (September 2014).
This third paper on Smart Beacons presents Reply's expertise in this domain, as well as two projects the Group has worked on which involve the use of Smart Beacon technologies.
Source: Avantage Reply ObservatoryFollowing the burst of the real estate bubble on the US sub-prime lending market and following the bankruptcy of Lehman Brothers, the worst economic crisis since 80 years has now passed through, and in some cases overcome, different stages, both from a real and from a financial point of view. In such a context, the banking industry is still facing several and complex challenges.
This second paper provides detailed examples of how Smart Beacons are currently used and have the potential to be used in banks.
This first paper introduces the use of Smart Beacons within the Banking Sector. It posits that ‘Smart Beacons’ can help bank branches to transform customer experience and offer more personalised services.
Banco Popolare chose Reply for setting up an application that allows the purchase of services on the move. The application, named "Youpay Mobile" is based on Hi credits, the mobile payments solution from Reply which enables innovative Remote and Proximity Payment services.
The norisbank from Berlin, a daughter company of Deutsche Bank, decided to close its branch network and wanted to newly position its brand as a pure online bank. The goal was to build the online channel further and create a "digital branch" for the customer. Reply deployed the creative implementation of the new positioning as online bank.
Reply worked alongside the Nationwide Internal Communications team to help bring to life their exciting Transformation Journey and communicate the key benefits in a simple and visually Engaging way.
Reply supplies a complete package of system and personalisation services to help achieve a change programme’s overall objectives. Reply’s team of specialists assists customers throughout the project’s implementation, handling all stages of the work from design through to implementation and system maintenance.
Within Financial Sector, Online Banking and Spam Frauds have the most impact for the end user, generating a significant brand damage for the Financial Institution.