DRIVE DIGITAL SHIFT IN FINANCIAL SERVICES

ABOUT US

e*finance consulting Reply is the Reply Group company specialised in Management Consulting Services for Financial Institutions.
We accompany our Customers in defining and achieving their strategic business policies through the application of the latest business and distribution models, the evolution of operational processes and tools and the design of new products and services. More and more often, this means embarking on a Digital Transformation journey that requires the ability to combine extensive industry expertise with full control of technological innovation and the capacity to apply these in a way that is relevant to the business.
Innovation is in our DNA and represents a distinctive value and an accelerator that we offer our Customers in order to improve their performance. We are a team of professionals with a diverse range of expertise, which encapsulates shared values: the passion for our work, creativity, dynamism and competence.

BANKING

e*finance Consulting Reply works with leading players in the Italian banking sector.

We collaborate with all players competing in today’s market, because they are all facing the challenges of a digital transformation path:

- the more traditional banks for which branches still serve as the main distribution channel;
- the more innovative banks, which aim at a predominantly online acquisition and management of its customer base;
- new players, such as the Fintech sector, which are radically changing traditional products, processes and business models.

WEALTH MANAGEMENT

e*finance Consulting Reply supports leading players in the Wealth Management sector, in other words, companies whose main focus is the management of customer savings and investments.

We work with Network Banks, which support their Customers through a network of Financial Advisors, with Private Banks, focused on the management of significant assets and with Asset Managers, the so-called “factories” of financial products, focused on investment management.

As in other sectors, here too the digital transformation is, on the one hand, changing the traditional players, and on the other, favouring the entry of new players which leverage the latest technologies to innovate new service and distribution models.

INSURANCE

e*finance Consulting Reply supports the leading players operating in the Italian Insurance market.

We work transversally with all types of players operating in the sector. This allows us to have a comprehensive view of the Industry, both from the point of view of the product offer lines (Non-Life and Life), as well as in terms of the distribution models (Agencies, Bancassurance, Promoters Networks, Direct Companies and Brokers).

In recent years the sector has been undergoing a profound transformation, like never before, requiring all players to rethink their business and operational models. The evolution of customer behaviour towards the “digital” sphere, the openness towards new products and services enabled by technology, the ability to have and process huge amounts of data, in addition to an ongoing evolution of the regulatory framework, represent risks and concrete opportunities for our Customers.

WHAT WE DO FOR OUR CUSTOMERS


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    NEW DISTRIBUTION & SERVICE MODEL

    Today, Financial Institutions are undergoing a process of major and sustained change, driven and necessitated by the evolution of customer behaviour, by technological innovations and by regulatory changes. The combined impact of these variables requires an extensive rethinking of current distribution and service models.

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    MULTICHANNEL & DIGITAL EXPERIENCE

    The boundary between the physical and the digital realms seems increasingly destined to disappear from all aspects of today's life. It is a fact for everyone involved, including the Financial Institutions. Taking on the challenge of this “new reality” requires multichannel strategies increasingly focused on customer engagement.

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    PRODUCT INNOVATION & IOT

    30 billion interconnected objects by 2020. This is the great opportunity that the Internet of Things (IoT) is transversally proposing to all Industries that have the ambition to offer products and services capable of “entering" into the everyday life of its Customers.

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    DATA DRIVEN CRM

    What do Amazon, Facebook, Google, Netflix or Spotify have in common? These are native-digital players that grew out of deeply innovative ideas which, having matured in the Cloud era and having developed a new generation of technologies, literally invented new scenarios for using digital services.

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    INNOVATION FACTORY

    We actively monitor the main innovation-related hot topics in order to identify the specific aspects most relevant to Customers, looking to move quickly from the study of trends to the development and implementation of solutions in a factory logic. So-called Data Robotics, referring to the consolidation of robotics and Machine Learning techniques, facilitates the introduction and integration of automation into organisational processes.

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    MOBILE & DIGITAL PAYMENTS

    The steady growth of the digital market has enabled a rapid spread of mobile devices around the world and in particular in Italy, where the market penetration of smartphones has now reached 83% (among the top three countries in the world). In parallel, we are witnessing the widespread use of increasingly more innovative payment instruments.

OUR EXPERTISE


DESIGN OF BUSINESS MODELS. ORGANISATIONAL, TECHNOLOGICAL AND STRATEGIC SOLUTIONS.”

Model Design & Business Planning


Increasing our Customers’ performance means, first and foremost, starting from the core business in which they operate, with the awareness that challenging goals and an increasingly complex competitive environment require a growing capacity to define flexible business models and to be able to take full advantage of the opportunities offered by the latest innovation trends, also taking cues from markets that are often distant from the context in which the companies involved traditionally operate. A winning business model always puts the focus on the Customer: for us, identifying their needs and interpreting them in an original way compared to the competition represents the starting point for the development of truly value-added products and services. A Customer-centric vision requires the support of an operational machine and of a proper distribution model: it is unlikely for innovative products and services to work together with structures that think in “old terms” when it comes to organisation, processes and tools.

Analysis & Solutions Shaping


Our ambition has always been not to merely stop at the design, but to arrive at defining working solutions (organisational and technological) capable of affecting the daily lives of Customers and Users. We approach the design of solutions using a rigorous methodology that starts from a thorough study of the core market and from innovation insights gained in other contexts: the goal is to identify incentives to be intersected with our Customers’ ambitions in order to arrive at a design of the target solution. Knowing where to arrive is not enough: the starting point – in other words the characteristics of our Customers – must be clear; moreover, it is necessary to have the ability to build an evolution process that is the result of rigorous analysis activities aimed at defining the process-related, organisational and functional aspects of the solutions.

Project Governance


The governance of a large project is a complex challenge. Making things happen at the right time, coordinating the action of different players in terms of their profile and origin, is almost an art, which in e*finance Consulting Reply we have mastered quite well. Managing a project implies precision and methodology as there are many variables involved, subject to constant change. The goal is to respect the starting mandate and to stay within the right timeframes and the budget defined. All this while managing risks and addressing problems, handling the communication in a balanced way at all company levels. To achieve the objectives set, always.

Enterprise Architecture


A business solution must pass from the definition of an IT architecture (Solution Architecture) that is able to bring together and integrate the services provided by existing applications with the new technologies considered. Using best practices adopted by the market, capabilities maps and a methodology derived from the experience gained over many years of activity in the Financial Institutions sector, we support our Customers in activities relating to:

  • IT assessment, for the definition of templates and scenarios of transformation of the IT landscape and of the related cost-benefit analysis;
  • IT design of architectural solutions with make vs. buy analysis and management of the software selection process;
  • scouting of software products, creation of Proof-of-Concepts (PoC) and use cases for determining the applicability of the product; design authority activities, with the aim of validating the work of the system integrator in terms of compliance with the overall architectural design and the defined requirements.

Innovation Payments

Research

European millennials and their relationship with payment systems

A European study carried out by Replay investigates the habits of millennials with regard to their use of today’s payment systems and possible changes over the coming years.

Digital Touchpoints

Research

Insurance And Digital Channels - Where Are We?

Physical networks represent the reference channel for the insurance industry. However, digital channels are an integral and complementary part of the customer experience. e*finance consulting Reply provides a comprehensive view of the current situation, monitoring the public channels used by 21 insurance companies, from the traditional to the bancassurance and the direct insurance sector.

PSD2

White Paper

Payment Services Directive 2 (PSD2)

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.

WORK WITH US

We are always looking for professionals who can help develop new ideas and promote different points of view.

RECENT GRADUATES
We provide top graduates with the right tools to foster their professional growth. We place a strong focus on teamwork and results orientation, combined with strong specialist skills.

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EXPERIENCED
We are always looking for professionals who have gained relevant experience in the consulting and Financial Services realms, with a strong aptitude for innovation in business solutions and business strategies.

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e*finance consulting Reply

Milano

Via Castellanza, 11
20151 Milano
Tel: +39 02 535761
Fax: +39 02 53576444


Roma

Via del Giorgione, 59
00147 Roma, Italia
Tel: +39 06 844341
Fax: +39 06 84434599