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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 losing market share. Assets are growing while the number of human financial advisors is shrinking. New operating models include discount and online brokerages and robo-advisors.
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.
Avantage Reply, together with the Dutch Banking Association (NVB), will organise an industry debate luncheon around BCBS 239 Risk Data Aggregation, on
18th December, commencing at 12:30, at the
NVB offices in Amsterdam.
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.
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.
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.
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.
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.
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.
The Integrated Multichannel Observatory for retail banking was launched in 2009 to monitor 30 of the main traditional and direct banks. It compares the services they offer across the various channels (web, smartphones, tablets, ATMs, contact centres, and smart TV), their cross-channel marketing campaigns, and their products and services, with a special focus on innovation in technology, processes and communication.
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.
It is time for insurers to get back their own customers data, capturing the driving data streaming from vehicles, to develop proprietary insights and to apply discount rates or more targeted and differentiated fees.
Moving to an “omni-channel” strategy means understanding that what customers see is not several different channels but a single company that they can contact in different contexts in different ways, according to need. It also implies an integrated approach to all the customer-contact touchpoints both at a commercial level and from a technical and organisational standpoint.
Avantage Reply hosted this event to enable a number of regulated firms to share the new challenges regulation by the FCA has posed to them and the adaptations they have made to ensure compliance. The event was held in
March 27, 2014.
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.
This second paper provides detailed examples of how Smart Beacons are currently used and have the potential to be used in banks.
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.
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.
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) 126.96.36.199 with Computer Telephony Integration (CTI) as well as to integrate Oracle Business Intelligence 11g (OBI).
Xuccess Reply will participate in the Euroforum Academy “The certified regulatory reporting expert” in Düsseldorf on September 23, 2013. Prof. Dr. Stephan Seidenspinner from Xuccess Reply will give a presentation at the Euroforum Academy with the topic “liquidity regulatory reporting” and will refer to the technical, organizational, methodical, and business-related political aspects of the liquidity regulations and will present liquidity news according to CRR.