Capital Market Survey

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.




Craft The Right Financial Services Strategy

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

IOT for Banks

Best Practice

Back from the Brink: Smart Beacons in Banks II

This second paper provides detailed examples of how Smart Beacons are currently used and have the potential to be used in banks.

IOT for Banks

Best Practice

Back from the Brink: Smart Beacons 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.


News & Communication

Banco Popolare chooses Hi Credits and launches ’Youpay Mobile’

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.

Online Banking

Case Study

"Digital Branch" for norisbank

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.

Brand Engagement

Case Study

Employees advocate Nationwide’s transformation journey

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 framework for creating shareholder value 0

A framework for creating shareholder value

​A range of industry-focused solutions that help organisations review and enhance the effectiveness of their risk management and financial performance measurement capabilities.​​


Wealth Management

Best Practice

Savings management for optimum results

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.

Threat Intelligence Services

Best Practice

Underground Security Intelligence for Financial Institutions

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.​

Retail Banking


The Integrated multichannel observatory

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.


Best Practice

Put your Data at Work: Financial Services

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.


Best Practice


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.


Best Practice

Overcome complex challenges in the after crisis market

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.​

Mobile Payments


Pay Reply

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. ​



Best Practice

Insurance for a digital world

The digital revolution has radically altered consumer habits and profiles in all economic sectors, not least in insurance.


Best Practice

Developments in personal credit

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.

05.06.2014 - 06.06.2014 / Mainz


SAP-Forum for 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.

18.03.2014 - 19.03.2014


ABI Lab Forum 2014

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.


News & Communication

Macros Reply acquires new client in Bavaria’s State Office for Finance (LfF)

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.


Press Article


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.

23.09.2013 / Düsseldorf


Euroforum "The certified regulatory reporting expert"

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.



"Garante 2" measure: the Data Protection Authority’s clarifications

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.

05.06.2013 - 06.06.2013


SAP Forum for Banks

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.

behavioural finance

Case Study test your understanding before you invest

"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.



The aftermath: crisis and legal change

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.

03.04.2013 / Amsterdam


Avantage Reply Systemic Risk Breakfast Session

Avantage Reply together with the Dutch Banking Association (NVB) organised a knowledge sharing breakfast session on Systemic Risk on 3 April 2013 in Amsterdam.

Best Practice

Can Big Data help in detecting insurance fraud?

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.

27.03.2013 - 28.03.2013


ABI Lab Forum 2013

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.

18.03.2013 - 20.03.2013


9th EUROFORUM annual meeting Banking Supervision with the EUROFORUM Conference Reporting Date

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.

28.11.2012 - 29.11.2012


Credit Processes of the Future 

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.”

06.11.2012 - 07.11.2012


13th Handelsblatt Conference New Trends in Banking Supervision

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.



Oracle Customer Showcase Forum

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 Xchange 2012

Reply organised the first Reply Xchange UK in London. The event was addressed to Reply’s customers and held on 5th July.

04.09.2012 - 05.09.2012


Banks in Transition 2012

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.



Private Banking

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.

22.05.2012 - 23.05.2012


SAP Congress for Banks 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.

28.03.2012 - 29.03.2012


ABI Lab Forum 2012

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.

Best Practice

Social Media in UK Financial Services in 2011

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.

Best Practice

Exalab - Oracle Exadata in action

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.

Case Study

Condor: electronic mailbox reduces throughput times

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.



Buongiorno Economia (Good Morning Economy)

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.


News & Communication

"HI CREDITS": the Reply solution for remote mobile phone payments integrated with the banking payments network

Reply introduces a new remote payment platform based on the scan of QR codes via mobile devices: HI CREDITS. HI CREDITS is based on Reply’s proprietary Internet of Things platform, HI REPLY, and is designed to make the buy experience simple and ‘smart’. Thanks to HI CREDITS, users can pay for goods and services by mobile phone in a simple, smart and secure way, as the system is integrated with the banking payment gateway.


Financial News

Reply S.p.A. acquires Portaltech, a UK company specialising in multichannel e-commerce strategies and solutions

Reply S.p.A. – listed on the STAR segment of the Italian Stock Exchange [MTA, STAR: REY] – strengthens its presence in Europe through the acquisition of 80% Portaltech shares, a UK company specialising in consulting and implementation of multichannel e-commerce strategies and solutions. Portaltech’s chosen technology platform is hybris, a global leader in e-commerce and multichannel software.


News & Communication

macros Reply showcases products and enhancements at insurance industry trade show

The “IT für Versicherungsunternehmen” (IT for insurance providers) trade show is taking place November 8 and 9 at the Congress Center in Leipzig. The trade show is a platform for insurance industry IT decision-makers as well as IT service providers, and provides insight on current developments, trends, and projects in the industry sector. At the booth shared with partner TIA Technologies, macros Reply is presenting its collaborative 360° customer insurance viewing/processing cockpit. macros Reply is also showcasing products and product enhancements such as macros ePrint for text and output management, macros ePAkt, the digital personnel file, as well as macros Reply’s ECM add-on macros Fax & E-Mail client.


Case Study

AXA UK: SOA Approach & Roadmap

Glue Reply was engaged by AXA UK to support the definition of a SOA approach and roadmap. AXA UK wished to move to a SOA model in an incremental, iterative manner and therefore required from Glue Reply an incremental phased approach as they progressed towards SOA.
Glue Reply were engaged in the early stage of the project to provide an assessment of SOA maturity and a roadmap for achieving the required maturity.

Case Study

Volkswagen Financial Services United Kingdom: a mobile solution for auditors

With the support of Syskoplan Reply and BlackBerry, Volkswagen Financial Services (UK) Ltd. is equipping employees with BlackBerrys that have an innovative application: Employees can audit vehicles from their BlackBerrys for over 750 dealers and transfer the results remotely to a SAP-based back-end system. This makes the data recording more exact and reliable than before. The company increases its transparency, maintains more control of the financed vehicles and, therefore, minimizes its credit risks.


News & Communication

Syskoplan Reply Mobilizes Auditors

With the support of Syskoplan Reply and BlackBerry, Volkswagen Financial Services (UK) Ltd. is equipping employees with BlackBerrys that have an innovative application: Employees can audit vehicles from the BlackBerrys for over 750 Volkswagen Group dealers and transfer the results remotely to a SAP-based back-end system. This makes the data recording more exact and reliable than before. The company increases its transparency, maintains more control of the financed vehicles and, therefore, minimizes its credit risks.

Best Practice

Deutsche Anlagen-Leasing: A "single point of truth" for comprehensive reporting and new planning applications

To implement comprehensive reporting without contradictory evaluations, Deutsche Anlagen-Leasing (DAL) decided to consolidate its data within an SAP BW system. The Syskoplan Reply consulting team also implemented the company’s planning applications within an SAP environment. Despite this change, end users can still work within the environment they are accustomed to.

01.12.2011 - 02.12.2011


Credit Processes of the Future - 2011

Reply will participate in the event dedicated to integrated solutions, optimised credit processes and streamlined credit handling, that will be in Düsseldorf from 1 to 2 December 2011.