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Financial Services

Digital Assets

Article

A digital future for assets

The opportunities created by digital assets, combined with a push by regulators and the new processes enabled by blockchain, have the potential to profoundly transform the financial services market.

A digital future for assets 0

financial regulations

Brochure

EMIR REFIT – New Requirements on Transaction Reporting

The EMIR Regulation aims to increase transparency in the OTC derivatives markets and to reduce the systemic risk due to the non-compliance of the derivatives’ counterparties. Reply continuously explores innovative technological solutions that can be applied to financial regulations to improve the reporting process using a data-driven approach.

EMIR REFIT – New Requirements on Transaction Reporting 0

Wealth management

Research

Wealth Management observatory | Q4 2023

The Net Inflows in the fourth quarter of 2023, amounting to 43.9 billion Euros, allow the Networks to confirm the results of 2022 (43.8 billion Euros, +0.2%). Government bonds are the products that most contributed to the Net Inflows results in the period. The performance recorded by the stock markets affects the Asset Under Management figures, which stands at EUR 785 billion (12% increase compared to the end of 2022, amounting EUR 699 billion). All the details inside the e*finance Wealth Management Reply quantitative observatory.

financial services

Article

Europe and the central bank digital currencies challenge – are we still in time?

Since October 2020, the market has been insistently debating the Digital Euro, after the ECB published its report on the work carried out so far. This first signal, however, came after years during which the topic of digital currencies had already begun to be widely discussed in the rest of the world. So it makes sense to ask ourselves an important question: are we still in time?

19.01.2022 / Online

Event

Cloud Computing transformation in Financial Services

Drawing on the results of the survey conducted by Reply and Imperial College London, Reply and the European Banking Federation host this event to look at the main challenges around Cloud Migration as well as Security and Compliance considerations.

DISCOVER MORE AND REGISTER NOW

SUSTAINABILITY

Best Practice

SFDR Impacts on Financial Market participants

Reply, thanks to its expertise on ESG-related issues, can support financial market participants in updating company policy and in the various stages of regulation implementation.

SFDR Impacts on Financial Market participants 0

29.11.2021

News & Communication

“Cloud in Financial Services” report shows cloud services transforming how value is created in the financial services sector

“Cloud in Financial Services”, a joint report by Reply and Imperial College Business School, provides a one of a kind, in-depth look at how the cloud is set to transform financial services.

REPLY AT THE ECONOMIST CLIMATE RISK VIRTUAL WEEK 0

REPLY AT THE ECONOMIST CLIMATE RISK VIRTUAL WEEK

In this Fireside Chat, Reply discusses how financial firms are approaching the risks related to Climate Change.

Watch the video to find out more!

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ecms

Best Practice

Eurosystem Collateral Management System

Reply presents its vision and skills on the Eurosystem Collateral Management System (ECMS) topic that will go live in November 2023. Regarding the ECMS topic, Reply provides its view and the main changes and benefits to be faced by Financial Institutions.

Eurosystem Collateral Management System 0

14.07.2021 / Paperjam

Press Article

What New Technologies can “really” do to support Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF)

Luxembourg has not stopped making progress in the fight against money laundering and terrorist financing, and has taken appropriate steps to increase transparency. New technologies have also evolved a lot to support this trend and we, at Reply Luxembourg, have developed methodologies combining AML/CTF and technological expertise to support financial institutions in stepping up.

financial services

Best Practice

FINANCIAL SERVICES SECURITY AND COMPLIANCE FRAMEWORK

Financial Services customers face a number of common challenges, from constantly evolving regulatory requirements to the need for active management of security and compliance in a highly dynamic threat landscape. Accelerate your AWS adoption and harden your security posture with AirWalk Reply’s fully automated cloud controls framework.

FINANCIAL SERVICES SECURITY AND COMPLIANCE FRAMEWORK 0

FINANCIAL SERVICES

Case Study

SPARDA-BANK: TRANSFORMATION WITH RPA

In many banks, the daily work routine is defined by repetitive processes. However, many of these processes can be automated. Leadvise Reply and Sparda-Bank München eG establish enterprise-wide automation solutions with Robotic Process Automation (RPA).

03.06.2021

Webinar

SFDR: facilitating the implementation

In this webinar, we will listen to financial services leaders discuss the implications of the recent SFDR implementation by drawing on their experience so far. What challenges has the financial sector faced in this context and what evolutions are expected for sustainable finance following the SFDR?

JOIN US!

SFDR facilitating the implementation 0

Sustainable finance evolution

Best Practice

Sustainability: the evolution of business

Integrating sustainability perspectives within an organization offers an important opportunity to meet market expectations and more. Reply is ready to be your Sustainability partner, providing you support every step of the way along this pressing and exciting time of business evolution.

MAKE REPLY YOUR SUSTAINABILITY PARTNER FOR FINANCIAL SERVICES

Sustainability the evolution of business 0

Robotic Process Automation

Case Study

Gothaer: Hybrid RPA Implementation

Robotic Process Automation (RPA) automates manual processes - but humans and machines must be able to work smoothly hand in hand. Macros Reply introduced a solution from UiPath at the insurance company Gothaer. A hybrid approach ensured that employees and bots work together in a meaningful way, ensuring compliance rules are adhered to.

Gothaer Hybrid RPA Implementation 0

sustainability

Case Study

ESG FACTORS WITHIN FINANCIAL ADVISORY

The service model and the consulting platform, previously characterized by purely financial views and analyses, have been enriched with information on environmental, social and governance (ESG) factors, in both terms of single product and portfolio. In this way, a different interpretation was provided to the Private Banker in the advisory process with the client.

ESG FACTORS WITHIN FINANCIAL ADVISORY 0

Best Practice

UBI BANCA: An innovative CRM with an advanced sales platform

Iriscube Reply and UBISS have developed an advanced, integrated CRM with a new multi-channel sales platform to maximise UBI Banca's commercial effectiveness.

NPL

Research

Npl Management: focus on market, main players and servicers offer

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.

Covid-19

White Paper

The New Normal: how Capital Markets can turn the Coronavirus threat into an opportunity

This unexpected crisis raises questions about the effectiveness and agility of banking models and existing risk management frameworks.

DOWNLOAD WHITE PAPER NOW

COVID-19

Research

COVID-19: Effects on the Financial Services and Insurance sectors

Reply leverages Data and Analytics to gain insights into the development of the Coronavirus pandemic and how it impacts society, consumers and industries. This report focusses on the changes in the Financial Services and Insurance sectors since the beginning of the COVID-19 outbreak.

UPDATED AS AT 18 May 2020

COVID-19 Effects on the Financial Services and Insurance sectors 0

Cloud in Financial Services

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.

Cloud in Financial Services 0

Governance, Risk and Compliance

Adopting stronger internal control practices while improving business efficiency

Governance, Risk and Compliance 0

Business Impact

Article

The EBA launched a public consultation on ITS

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.

Business Impact

Article

A Fintech Roadmap: next steps

Around 100 participants were present at EBA FinTech regulation and EBA roundtable meeting, during which were identified six areas for further analysis. These priority topics will leverage knowledge and expertise from participants in the EBA’s new FinTech Knowledge Hub, thus working on comparative assessment with a view to identify best practices.

Roberto Tognoni

Article

ROBO-ADVISORS, MORE THAN YOU EXPECT

Two years ago the asset gathering and investment service industry seemed to be on the brink of a possible disruption by new digital players. But is it for real? Let’s just stop for a moment and look at where we are now.

Business Impact

Article

Discover agility, be the change

Companies feel it’s time to move to new working paradigms, in order to achieve higher level of effectiveness in processes and results. But they are struggling in finding the right way, in terms of approach and scope of change. Here’s how to proceed.

Financial Services

White Paper

Financial Services Outlook 2019

The Financial Services Outlook 2019 (FSO19) takes a look at some of the key themes of 2019, which will influence the C-Suite agenda within many European Financial Institutions. Starting from the overarching macro-economic and geo-political themes that will dominate the year, such as interest rate policy and Brexit, this publication offers a series of expert articles on key topics from the fields of Finance, Risk, Regulation and Technology.

Financial Services Outlook 2019 0

01.11.2018 / Amsterdam

Event

Brexit Lunch

Avantage Reply is partnering with the Dutch Foreign Banker’s Association to discuss the impact of Brexit on Financial Services

Case Study

Liquidity Risk Management Capability Diagnostic

The client was seeking an evaluation of its liquidity risk management capability in terms of the business being supported. Avantage Reply undertook a detailed review and provided recommendations for best practice liquidity risk management, which formed the basis of the client’s subsequent implementation programme.

Real Estate

Case Study

Oracle Planning and Budgeting Cloud Service: from Excel files to a software-as-a-service

DeA Capital Real Estate SGR has chosen Oracle Planning and Budgeting Cloud Service to speed up and automate the processes, making this transition with the Platinum Partner Oracle, Reply Consulting.

The Banca Mediolanum case Data Analytics Laboratory and implementation of a Recommendation Engine 0

Financial Services

Case Study

The Banca Mediolanum case: Data Analytics Laboratory and implementation of a Recommendation Engine

With the aim of experimenting with an Advanced Analytics approach, the Data Analytics laboratory initiative launched by Banca Mediolanum involves a partnership between the Marketing Research team and Reply for the development of advanced data analysis mechanisms and the design of proactive services, tailored to the customer’s needs.

MARKET SURVEY

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.

GO TO THE SURVEY

Capital Market Survey 0

Digital transformation

Case Study

WM Reply support digital transformation at a global bank

An international bank aimed to restructure their internal information architecture to facilitate access to relevant up-to-date information for their employees across the company. WM Reply supported the organisation by consolidating different sources of information into one central hub providing a unique user experience.

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.

Data Modelling

Best Practice

Internal Data Modelling for the Insurance Industry

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.

23.05.2017 / Fintech Innovation

News & Communication

Open Reply supports ABBL's Digital Banking and FinTech Innovation Cluster

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.

22.05.2017 / Cryptoeuro

News & Communication

The future of digital currencies

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).

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.

Insurance And Digital Channels - Where Are We? 0

Innovation Payments

Research

European millennials and their relationship with payment systems

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

European millennials and their relationship with payment systems 0

26.01.2017 / Milano

Event

Bank 3.0: the opportunities of PSD2

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.

Fideuram Investimenti

Case Study

Software architecture for Fideuram investments: support for business intelligence

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.

15.07.2016 / Banking Technology

Press Article

Fintech innovation: staying on the fringes or is it time for it to became core?

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 Fr​oidure, Open Reply, and Fausto Jori, e*f​inance consulting Reply​.

Millennials

Best Practice

Ambition for disruption: how the Millennials are changing the banking sector

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.

Insurechain 0

Insurechain

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.

07.04.2016 - 08.04.2016 / Rome

Event

Dimensione Cliente 2016

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?".

04.02.2016 / FX-MM

Press Article

Blockchain: Transforming correspondent banking

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​.​

03.02.2016 / Digital Payments

Press Article

P2P? A TRUE GAME CHANGER ONLY IF WE AIM FOR INTEROPERABILITY - Italian version

Marco Loro, a Pay Reply Partner, explains that the WhatsApp-like experience is an extraordinary opportunity for these new services but some important issues need to be addressed, such as the delivery model that at this stage favours a centralized view.

29.01.2016 / Digital Payments

Press Article

BLOCKCHAIN REVOLUTION? COULD IT BE THE NEXT INTERNET? - Italian version

Blockchain, the technological infrastructure behind the Bitcoin, raises many questions but it is for sure something that cannot be ignored. Marco Loro, a Partner of Pay Reply addresses the Blockchain Revolution.

Digital Transformation

Research

Trends in the US wealth management market

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.​

Trends in the US wealth management market 0

Financial Platform

Site

DEFINIO REPLY™

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. ​

​GO TO THE WEBSITE

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DEFINIO REPLY™ 0

definio reply key feature

cost optimization

Definio Reply™​ has a fully adaptable configuration adaptable to the needs of your organisation. Open data oriented, thanks to resources and processes outsourcing(SaaS, DaaS), Definio Reply™ is a less pervasive platform compared to large scale asset management ones. Clients choosing this product benefit from low integration costs with ready-to-use solutions offers.

Financial asset

Product

A modular platform

The Definio Reply™ platform modules are able to fully respond to the analysis and monitoring needs of financial assets. The customer has the ability to optimise and customise the product according to their own needs and requirements. The Definio Reply™ suite has been designed to address the needs of Financial Database, Portfolio Analysis, Risk Management, Reporting and Control, Engines.

Contacts

ITALY - TURIN
TELEPHONE: +39 011 29100
ADDRESS: Via Cardinal Massaia, 83 - 10147 Turin - Italy

ITALY - MILAN
TELEPHONE: +39 02 535761
ADDRESS: Via Castellanza, 11 - 20151 Milan - Italy

Definio Reply

Product

DEFINIO REPLY™ FINANCIAL PLATFORM

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.

DEFINIO REPLY™ FINANCIAL PLATFORM 0

SHOWCASE

BLOCKCHAIN

THE ULTIMATE DISRUPTION IN THE FINTECH INDUSTRY (AND NOT ONLY)

BLOCKCHAIN TECHNOLOGY 0

02.12.2015 / Digital Payments

Press Article

PAYMENT CARDS? A SPECIES (SLOWLY) BECOMING EXTINCT - Italian version

An interview with Marco Loro, a partner of Pay Reply, on the future of payment cards in a context that - especially thanks to mobile - is moving faster and faster towards virtualization and dematerialization and towards the development of new scenarios.

Crowdfunding

Best Practice

Crowdfunding: is it the right time for banks?

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.

Crowdfunding is it the right time for banks? 0

07.11.2015 - 08.11.2015 / Milan

Event

Appathon 2015

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 Milan.

Digital Transformation

Case Study

Helvetia Austria: more productivity through digitization

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.

Helvetia Austria more productivity through digitization 0

Strategic Asset Allocation

Case Study

Definio Reply™ financial platform for Fondaco SGR

Fondaco SGR, an independent savings management company whose common investment funds are reserved for qualified investors, has chosen Definio Reply™ to gather, calculate and verify data and financial measures for managed funds and management mandates.

​DOWNLOAD PDF

Definio Reply™ financial platform for Fondaco SGR 0

Cross-sector lessons

Best Practice

How Retail is inspiring the banking sector

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!

29.09.2015 / Milan

Event

Forum Banca 2015

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.

CRM for Stock Exchange

Case Study

Best Customer Service

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.

Best Customer Service 0

Practice note

White Paper

EU Financial Services Outlook 2015

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.

Multi-channel Banking

Video Reference

BNP Paribas Fortis launches new iPad app with Reply

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.

BNP Paribas Fortis launches new iPad app with Reply 0

Practice note

Best Practice

Senior Managers Regime (SMR)

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.

Mobile Payments

Best Practice

Embracing the Bitcoin: why mobile operators should prepare for the digital currency shift

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.

Business Performance Management

Best Practice

FINSIGHT: an application in support of financial planning

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.

Practice note

Best Practice

Principles for effective Risk Data Aggregation and Risk Reporting

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.

Practice note

Best Practice

Concrete Solutions for BCBS 239

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.

Risk Management Practices

Best Practice

Avantage Reply presents on BCBS 239 Risk Data Aggregation

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.

23.09.2014 / Frankfurt am Main

Event

Symposium 2014: New developments in Regulatory Reporting for banking

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.