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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
Which are the opportunities offered by technological innovation to address financial institutions’ main business and regulatory needs? For this purpose, Reply is running a survey that will inestigate: Trading, Treasury, Collateral Management, Risk Management, Investment Strategies, Fund Management and Portfolio Management.
Reply has embarked on a 'Cloud in Financial Services' initiative, through webinars, thought leadership piece and a flagship event to shed light on the benefits and challenges that underpin cloud adoption. Aimed at C-Suite and Board Members, it focuses on strategic considerations covering all aspects of Cloud adoption in Financial Services.
It will no longer be the consumer to initiate a payment using digital devices, but the object that will understand the context and pay for the service, then deliver it directly. Pay Reply, with a team of payment architects, is designing and planning digital payment solutions in which it is no longer people who do the buying, but “smart” objects.
Data Reply has developed a framework based on Deep Learning techniques, Data Mining and Natural Language Processing capable of classifying input data, such as the photos taken by appraisers and the repair data recorded by car repair shops.
The amendments aim to keep reporting requirements consistent with changes in the regulatory framework and with the evolving needs for risk assessments. The EBA expects to submit the revised draft Implementing Technical Standards to the European Commission in April 2019. The application of the revised requirements will be in March 2018, with the first reporting reference date as of 31 March 2020.
Regulator pressure forced banks to improve internal management and to aim to strong de-risking policies, by managing to halve NPL volumes in 5 years.
Foreign and non-foreign investors have paid particular attention to Italy for the high levels of impaired loans and for the business opportunities encountered.
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.
The new electronic piggy bank to teach children the value of money and savings. In the educational toy culture, XME dindi offers a game-based experience to actively inspire children’s education. Three Reply Group companies partnered with Quercetti, a leading manufacturer of Made in Turin educational toys, to design XME dindi.
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.
A range of industry-focused solutions that help organisations review and enhance the effectiveness of their risk management and financial performance measurement capabilities.
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.
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.
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.
Following the burst sub-prime lending market and following the bankruptcy of Lehman Brothers, the worst economic crisis since 80 years has now passed through. In such a context, the banking industry is still facing several and complex challenges and issues.
The increasing use of smartphones and mobile commerce services has led to exceptional growth in the demand for remote and proximity payment services. Pay Reply is Reply's centre of expertise, specialising in consultancy services and technology platforms for mobile payments.
The digital revolution has radically altered consumer habits and profiles in all economic sectors, not least in insurance.
In the retail credit market, ever-growing numbers of operators are vying to boost their growth margins. To achieve this objective and to extend their product and service portfolio, the main lenders are now facing changes that are set to turn them into independent banks.
Reply will participate in the SAP-Forum for Banks, a well-established innovation meeting for financial institutions, from 5 to 6 June 2014 in Mainz.
Reply took part in the 10th edition of the ABI Lab Forum, an opportunity for banks and companies to meet and discuss the role of ICT in the banking sector. The event was held from 18 to 19 March 2014 in Milan.
Macros Reply prevailed over prestigious competitors in the “Paperless processing in the benefits system” call for tender and has won Bavaria’s State Office for Finance (LfF) as a new customer together with Insiders Technologies.
Syskoplan Reply provides support for Application Management in the BI Environment. The IT service provider GaVI has a highly complex SAS system architecture. To win over customers with fast deliveries and high quality, the efficient and effective operation of this system architecture is decisive for success.
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.
Spike Reply organised, in collaboration with IBM and with the participation of Gabriele Faggioli (Lawyer and Adjunct Professor at MIP-Politecnico di Milano), a workshop titled "Garante 2" measure: the Data Protection Authority’s clarifications. Provisions on the subject of traceability of banking operations. The event was held in Milan on 25 September 2013.
Syskoplan Reply will be attending the SAP Forum for Banks from 5 to 6 June 2013 in Mainz. Continuously increasing amounts of data, increasing regulatory requirements – for some these are challenges for other opportunities.
"Investimente" is an initiative created using TamTamy, the Reply Group solution for developing Enterprise Social Networks and Communities, for Schroders, one of the world’s leading asset-management groups. The project is based on the science of behavioural finance, it turns theory into practice, offering financial advisers and promoters a useful and innovative tool that is accessible on the move and easy to use in their everyday work.
Avantage Reply has taken part in The aftermath: crisis and legal change, a half-day workshop taking place on 29 April 2013 from 2:00 to 6:00 p.m. at the Center for Transnational Legal Studies in London.
Avantage Reply together with the Dutch Banking Association (NVB) organised a knowledge sharing breakfast session on Systemic Risk on 3 April 2013 in Amsterdam.
By using Big Data technologies companies are able to improve their fraud detection and pattern identification capability. Reply has established a proven methodology to apply a Bayesian model in fraud recognition combined with Big Data analysis techniques.
Reply took part in the 9th edition of the ABI Lab Forum, the event where banks and companies received detailed information on the role of ICT in the banking sector, that was held in from 27 to 28 March 2013 in Milan.
Xuccess Reply participates in the 9th EUROFORUM annual meeting Banking Supervision with the EUROFORUM Conference Reporting Date from 18 to 20 March 2013 in Frankfurt am Main. Don’t miss out on the opportunity to talk to banking supervision, research and consulting experts about CRD IV, Basel III, MaRisk, KWG and the disclosure of risks.
Syskoplan Reply will take part in the 2nd Euroforum Conference “Credit Processes of the Future” from 28 to 29 November in Düsseldorf. This year’s motto is “Cost optimization - the key to success.”
Xuccess Reply will be at the 13th Handelsblatt Conference "New Trends in Banking Supervision" from 6 to 7 November in Mainz. So take advantage of the Handelsblatt Conference and use it as THE meeting place to discuss with the supervisors, the associations and practitioners within the banking industry about the regulatory changes.
Avantage Reply joined the Oracle Customer Showcase Forum, the event under the motto "Give a new shape to your IT to support innovation and efficiency" which was held in Milan on 5 July 2012.
Reply organised the first Reply Xchange UK in London. The event was addressed to Reply’s customers and held on 5th July.
Xuccess Reply participates in the "Banks in Transition" Congress in Frankfurt am Main from 4 to 5 September. Various questions regarding Positioning, Riskmanagement, Finance Market Architecture, preparation for Emerging Risks and stable income sources will be thoroughly discussed and answered.
e*finance consulting Reply participated in the conference organised by AziendaBanca and in collaboration with AIPB. The event was held in Milan on 30 May 2012.
Syskoplan Reply participates in the SAP Congress for Banks. This year the banking community will meet in the Science and Congress Center in Darmstadt on May 22-23, 2012. The event is the most important event for SAP banking solutions in Europe.
e*finance consulting Reply took part in the 8th edition of the ABI Lab Forum, the event where banks and companies received detailed information on the role of ICT in the banking sector. The conference was held in Milan from 28 to 29 March 2012.
The PRiM Risk Newsletter, Issue No. 28
The findings in this report are based on a preliminary online survey conducted by Glue Reply across a range of UK-based financial services institutions from credit card companies, to banks and insurance companies. The objective of this survey is to cast light on the ‘state of thinking’ about social media in UK financial services.
DMA – Direct Marketing Association
Reply Exalab is a laboratory where you can see the Oracle Exadata Database Machine and the Oracle Exalogic Elastic Cloud in action! This is a demonstrator of the Oracle ExaCloud with preinstalled best practice applications for Telco, Retail and Finance sectors. Reply Exalab is available for Proof of Concepts and benchmarks in order to evaluate the real benefits of performance, reliability and manageability of bespoke or highly customized legacy applications. The combination of Exadata and Exalogic is the landmark for Exacloud, Oracle’s response to the demands of 21th century data center.
In 2008 the Condor insurance group, today part of R+V Allgemeine Versicherung AG, started converting to electronic files and the corresponding mailbox solution - resulting in major changes in procedures for incoming mail as well as in the individual departments. Today Condor’s customers and brokers profit from more flexible and considerably faster transaction processing and competent responses to inquiries to the service center.
Definio Reply joined “Buongiorno Economia”, the program of Reteconomy which was on air on 19 December 2011 on the Sky channel 816 at 10.30 a.m.
The PRiM Risk Newsletter, Issue No. 27