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JOURNAL OF BANKING & FINANCE JOURNAL OF BANKING & FINANCE

whitepaper

Feb 01, 2019

The Journal of Banking and Finance (JBF) publishes theoretical and empirical research papers spanning all the major research fields in finance and banking. The aim of the Journal of Banking and Finance is to provide an outlet for the increasing flow ...

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Re-inventingfinance for a digital world RE-INVENTINGFINANCE FOR A DIGITAL WORLD

whitepaper

Jan 31, 2019

Chartered Global Management Accountant (CGMA®) CGMA is the most widely held management accounting designation in the world. It distinguishes more than 150,000 accounting and finance professionals who have advanced proficiency in finance, operatio...

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AI-dven Transformaon in the Insurance Industry AI-DVEN TRANSFORMAON IN THE INSURANCE INDUSTRY

whitepaper

Jan 30, 2019

The Insurance industry is on the brink of complete digital transformation. Traditional business models are giving way to new paradigms like Connected Insurance, Usage-based Premiums, and Smart Underwriting. Insurance customers are seeking on-demand, ...

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PDX, a new energy-backed cryptocurrency. PDX, A NEW ENERGY-BACKED CRYPTOCURRENCY.

whitepaper

Jan 25, 2019

The PDX White Paper is intended solely to describe the PDX token (“PDX”, or “PDXCoin”) and matters related to its development and introduction into commerce. The statements contained in this White Paper are exclusively opinion...

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Tokenization of Infrastructure: A blockchain-based solution to financing sustainable infrastructure TOKENIZATION OF INFRASTRUCTURE: A BLOCKCHAIN-BASED SOLUTION TO FINANCING SUSTAINABLE INFRASTRUCTURE

whitepaper

Jan 24, 2019

The emerging fintech solutions have demonstrated that technology and digitalization indeed have an important role to play in addressing the inherent limitations of our current financial system. The long-overdue digitalization of finance can result in...

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Open Banking
Operational Guidelines OPEN BANKING OPERATIONAL GUIDELINES

whitepaper

Jan 24, 2019

Disclaimer: The contents of the Operational Guidelines (“OG”) and Operational Guidelines Checklist (“OG Checklist”) do not constitute legal advice. While the OG and OG Checklist have been drafted with regard to relevant regula...

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BLUEPRINT OF BLOCKCHAIN PLATFORM FOR BANKING SECTOR AND BEYOND BLUEPRINT OF BLOCKCHAIN PLATFORM FOR BANKING SECTOR AND BEYOND

whitepaper

Jan 23, 2019

Information and communication technologies (ICT) have become an integral part of many businesses to such an extent where business needs drive innovations in ICT. Blockchain Technology (BCT) has been hailed as a foundational technology that has the po...

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Is Bitcoin Gold 2.0? IS BITCOIN GOLD 2.0?

whitepaper

Jan 22, 2019

A currency is measured against six prime characteristics in order to be recognised as a useful means of payment in exchange for goods or services. These are: In an effort to test the viability of bitcoin being the currency of the future, let’s ...

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2019 Chambers Global Practice-Guide Banking and Finance 2019 CHAMBERS GLOBAL PRACTICE-GUIDE BANKING AND FINANCE

whitepaper

Jan 20, 2019

A bank is required to be licensed in terms of the Banking Act (CAP 46:04) in order to provide banking services. An applicant for a banking licence must be incorporated as a company limited by shares. Furthermore, the Bank of Botswana imposes other re...

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Core Banking System Upgrade CORE BANKING SYSTEM UPGRADE

whitepaper

Jan 20, 2019

Our significant investment in this system is aimed at improving the products and services available to our customers, with a complete solution built on modern architecture and technology. We are excited for this opportunity and our Team has been work...

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Cryptocurrency
Anti-Money Laundering
Report, 2018 Q4 CRYPTOCURRENCY ANTI-MONEY LAUNDERING REPORT, 2018 Q4

whitepaper

Jan 18, 2019

Bad actors need to launder the $US 1.7 billion of cryptocurrency stolen and scammed in 2018. Furthermore, they need to get it all done before tough new global anti-money laundering (AML) and counter terror financing (CTF) regulations go into effect o...

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"Wondering about cryptocurrencies, blockchain, ICOs, STOs, and tokens? " "WONDERING ABOUT CRYPTOCURRENCIES, BLOCKCHAIN, ICOS, STOS, AND TOKENS? "

whitepaper

Jan 13, 2019

Welcome to 2019. One need only spend a little time around investor relations to realize it is a rich, fulfilling, and intellectually stimulating profession that plays a critical role within the dynamic, increasingly complex capital markets ecosystem....

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YOUR GATEWAY TO THE CRYPTO WORLD EXCELLENCE QUALITY INTEGRITY. YOUR GATEWAY TO THE CRYPTO WORLD EXCELLENCE QUALITY INTEGRITY.

whitepaper

Jan 12, 2019

Nexo delivers the World’s First Instant Crypto-backed Loans, thus resolving a crucial inefficiency for the crypto world Up to this very moment, no alternatives existed for digital asset owners to enjoy their crypto wealth except selling them Th...

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Opening the “Black Box” THE PATH TO DEPLOYMENT OF AI MODELS IN BANKING OPENING THE “BLACK BOX” THE PATH TO DEPLOYMENT OF AI MODELS IN BANKING

whitepaper

Jan 09, 2019

Emerging Trends for Model Validation in the Age of AI Recent technological advancements have accelerated the integration of AI and machine learning models into more and more banking processes. In today’s banking industry, institutions not using...

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Financial Services and Credit Guide FINANCIAL SERVICES AND CREDIT GUIDE

whitepaper

Jan 06, 2019

AMP Financial Planning periodically reviews these products to ensure that they remain competitive with similar products that address similar client needs and objectives. Generally, we recommend products that are on the approved products and services ...

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Compliance Monitoring for Regulators, Banks and Auditors COMPLIANCE MONITORING FOR REGULATORS, BANKS AND AUDITORS

whitepaper

Dec 26, 2018

The CipherTrace Compliance Monitoring Solution monitors digital asset businesses (DABs) such as cryptocurrency exchanges and initial coin offerings (ICOs) to gauge their risk levels and risk trends. It combines easy-to-use blockchain forensic analysi...

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Chain-block Crypto: Spacetime Symmetrical Peer-to-Peer Marketplaces CHAIN-BLOCK CRYPTO: SPACETIME SYMMETRICAL PEER-TO-PEER MARKETPLACES

whitepaper

Dec 25, 2018

Bitcoin, and the numerous other cryptocurrencies it inspired, has been a remarkable success. Even so, this paper points out that basing distributed ledgers like Bitcoin on blocks of timestamped information has some fundamental limitations that stem f...

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GLOBAL, BLOCKCHAIN-POWERED Small Business Financial Services Platform GLOBAL, BLOCKCHAIN-POWERED SMALL BUSINESS FINANCIAL SERVICES PLATFORM

whitepaper

Dec 24, 2018

This whitepaper describes the initial offering through which the NEXXO TOKEN (NEXXO) is to be sold. NEXXO is a crypto token that is designed to be used for all services provided by this NEXXO PLATFORM and NEXXO’s existing exchange platforms, as...

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Introduction to Cryptography in Blockchain Technology INTRODUCTION TO CRYPTOGRAPHY IN BLOCKCHAIN TECHNOLOGY

whitepaper

Dec 23, 2018

Cryptography before the modern age was synonymous to encryption the process of converting information from a readable format to something that makes no sense. Encryption techniques date back as far as the ancient Egyptians, and have roots spanning al...

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Virtual Currency Regulation Review VIRTUAL CURRENCY REGULATION REVIEW

whitepaper

Dec 11, 2018

Whether Bitcoin, Ether or any other virtual currency will one day be widely and consistently in use remains uncertain. However, the virtual currency revolution has now come far enough and has endured a sufficient number of potentially fatal events th...

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OPEN BANKING IN THE UK FINDING THE TIPPING POINTS OPEN BANKING IN THE UK FINDING THE TIPPING POINTS

whitepaper

Dec 11, 2018

PSD2 (the EU’s second Payment Services Directive) came into effect in January this year across Europe. The regulation was designed to create greater competition in the world of financial services by making customer data more portable and more b...

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Banking, Finance & Investment BANKING, FINANCE & INVESTMENT

whitepaper

Dec 10, 2018

Bank and financial institutions take legal support from lawyers for security documentation for example, mortgage, hypothecation, etc and registration of the same. Specialized Financial institutions takes expert legal support for venture capital finan...

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Data Protection & Open Banking:Experiences & Expectations DATA PROTECTION & OPEN BANKING:EXPERIENCES & EXPECTATIONS

whitepaper

Dec 10, 2018

Having introduced his extensive background in PSD2 and Open Banking, Michael went on to demonstrate that PSD2 is part of a much larger trend to open up banking and the finance community. Its goals are to enhance competition, promote customer convenie...

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Hidden value stocks small caps with little or no coverage HIDDEN VALUE STOCKS SMALL CAPS WITH LITTLE OR NO COVERAGE

whitepaper

Dec 07, 2018

McIntyre Partnerships is a concentrated, 130/30 fund with a goal of significant outperformance over the market cycle. The fund focuses on event driven, non-cyclical GARP, and distressed investments, with an emphasis on high-quality, predictable busin...

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DECRYPTING CRYPTOCURRENCY TAXES DECRYPTING CRYPTOCURRENCY TAXES

whitepaper

Dec 06, 2018

In Revenue Cycle there are numerous technical applications sold on the market intended to help improve financial performance. The contracting phase usually concludes before the IT professionals get an opportunity to dig into the details. Allowing exe...

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TRANSFORMING FINANCIAL SERVICES WITH AI TRANSFORMING FINANCIAL SERVICES WITH AI

whitepaper

Dec 05, 2018

Artificial Intelligence is taking every industry by storm and financial services is not left behind. In fact, AI should naturally succeed for transforming financial services industry as both heavily relies on historical data. Most of the decisions in...

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Should the Central Bank Issue E-money? SHOULD THE CENTRAL BANK ISSUE E-MONEY?

whitepaper

Dec 04, 2018

Should a central bank take over the provision of e-money, a circulable electronic liability? We discuss how e-money technology changes the trade-off between public and private provision, and the tradeoff between e-money and a central bank's exist...

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Digital Engineering: Top Three Imperatives for Banks and Financial Services Companies DIGITAL ENGINEERING: TOP THREE IMPERATIVES FOR BANKS AND FINANCIAL SERVICES COMPANIES

whitepaper

Dec 04, 2018

Struggling to grow market share amid increased fintech pressure, banking and financial services organizations need a blueprint for building modern digital capabilities from the get-go — while significantly reducing legacy technical debt and acc...

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FinTech: A Glimpse into the Future of the Financial Sector FINTECH: A GLIMPSE INTO THE FUTURE OF THE FINANCIAL SECTOR

whitepaper

Dec 04, 2018

The term “FinTech” – short for “Financial Technology” – covered many headlines of reports and analyses on the financial sector in recent years. It deals with technologically improved applications, processes, produc...

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Digital and Data Trends Disrupting Financial Services DIGITAL AND DATA TRENDS DISRUPTING FINANCIAL SERVICES

whitepaper

Dec 03, 2018

The Wall Street Journal reports “falling foot traffic at banks,” and Forbes writes that end users would rather deal with smartphones than tellers. The problem is easy access to money without the need to fight traffic or wait in line - and...

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The Present and Future of Bank On Account Data THE PRESENT AND FUTURE OF BANK ON ACCOUNT DATA

whitepaper

Dec 03, 2018

Nearly 27 percent of U.S. households are unbanked and underbanked, which significantly constrains their ability to save reliably, access credit, and achieve other important financial goals. While past financial education and literacy efforts have rai...

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Implementation and Effects of the G20 Financial Regulatory Reforms IMPLEMENTATION AND EFFECTS OF THE G20 FINANCIAL REGULATORY REFORMS

whitepaper

Nov 28, 2018

The Financial Stability Board (FSB) is established to coordinate at the international level the work of national financial authorities and international standard-setting bodies in order to develop and promote the implementation of effective regulator...

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Cyberthreats to financial institutions 2019: OVERVIEW AND PREDICTIONS CYBERTHREATS TO FINANCIAL INSTITUTIONS 2019: OVERVIEW AND PREDICTIONS

whitepaper

Nov 28, 2018

The past year has been extremely eventful in terms of the digital threats faced by financial institutions: cybercrime groups have used new infiltration techniques, and the geography of attacks has become more extensive. Despite this, let’s star...

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Binance Coin Market Research BINANCE COIN MARKET RESEARCH

whitepaper

Nov 28, 2018

Of the thousands of ICOs witnessed in 2017, BNB was one of the most successful by far. Not only did Binace manage to successfully execute this new type of crypto fnancing, but they went on to use the funds raised to build an extremely successful cryp...

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PRINCIPLES FOR RESPONSIBLE BANKING SHAPING OUR FUTURE PRINCIPLES FOR RESPONSIBLE BANKING SHAPING OUR FUTURE

whitepaper

Nov 27, 2018

This Document presents the Principles for Responsible Banking for a six-month public consultation with banks and stakeholders. The Principles for Responsible Banking have been developed by 28 banks from five continents, jointly representing more than...

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REINVENTING CLIMATE FINANCE REINVENTING CLIMATE FINANCE

whitepaper

Nov 21, 2018

ACKNOWLEDGMENTS The authors thank the following individuals/ organizations for offering their insights and perspectives on this work. Jessica Brown, ClimateWorks Foundation Barbara Buchner, Climate Policy Initiative Koben Calhoun, Rocky Mountain Inst...

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MULTILATERAL DEVELOPMENT BANK BONDS MULTILATERAL DEVELOPMENT BANK BONDS

whitepaper

Nov 20, 2018

Solactive and UBS launched the Solactive UBS Global Multilateral Development Bank Index Family, a family of benchmarks targeting the bonds issued by Multilateral Development Banks, such as the Asian Development Bank and the International Bank for Rec...

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NEW AND IMPROVED MOBILE AND ONLINE BANKING NEW AND IMPROVED MOBILE AND ONLINE BANKING

whitepaper

Nov 16, 2018

Connect all your deposit and loan accounts, even ones from other banks and credit unions, and get a full view of your finances at any time. New customizable options let you organize your dashboard and nickname and color-code your accounts to help you...

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CRYPTOCURRENCY:FACTS AND FICTION CRYPTOCURRENCY:FACTS AND FICTION

whitepaper

Nov 15, 2018

Cryptocurrencies are driven by speculation (supply and demand) and have no intrinsic value. Blockchain is a game changing technology with real-world applications. Invest in companies in the business of Blockchain, not cryptocurrency. Cryptocurrency f...

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EXPLORING NATURAL CAPITAL OPPORTUNITIES, RISKS AND EXPOSURE EXPLORING NATURAL CAPITAL OPPORTUNITIES, RISKS AND EXPOSURE

whitepaper

Nov 13, 2018

Natural capital is a way of thinking about nature as a stock that provides a flow of benefits to people and the economy. It consists of natural capital assets, such as water, forests and clean air that provide humans with the means for healthy lives ...

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The Rise of AI in Financial Services THE RISE OF AI IN FINANCIAL SERVICES

whitepaper

Nov 13, 2018

As pressure mounts due to factors like rising regulatory requirements, competition from new market entrants, heightened expectations from consumers, increasingly sophisticated digital threats, the financial services industry is expanding its use of a...

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FINANCE FOR A REGENERATIVE WORLD FINANCE FOR A REGENERATIVE WORLD

whitepaper

Nov 11, 2018

While central banks pulled out all the stops to protect the banking system, society’s tepid response to the 2008 financial crisis—both during and after—was a missed opportunity of massive proportions. We can now say, without being a...

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RETHINKING IMPACT TO FINANCE THE SDGs RETHINKING IMPACT TO FINANCE THE SDGS

whitepaper

Nov 10, 2018

Investment needs for the SDGs are huge, with the bulk in developing countries and their infrastructure. The scale of current financial flows is insufficient: private finance is constrained by risk and return requirements, while public finance is in s...

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Trade Secrets in the Financial Services Industry TRADE SECRETS IN THE FINANCIAL SERVICES INDUSTRY

whitepaper

Nov 09, 2018

As one of the leading labor and employment law firms in the United States, Seyfarth Shaw LLP understands the risks and challenges financial institutions face with respect to protecting confidential information and client relationships. Consequently, ...

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How to provide liquidity to banks after resolution in Europe’s banking union HOW TO PROVIDE LIQUIDITY TO BANKS AFTER RESOLUTION IN EUROPE’S BANKING UNION

whitepaper

Nov 06, 2018

Banks deemed to be failing or likely to fail in the banking union are either put into insolvency/liquidation or enter a resolution scheme to protect the public interest. After resolution but before full market confidence is restored, the liquidity ne...

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Blockchain and Banking BLOCKCHAIN AND BANKING

whitepaper

Nov 01, 2018

Blockchain is a technology that uses distributed databases, math and cryptography to record transactions. Think of it as a system composed of many giant accounting ledger databases all synced with identical transaction information. Each new financial...

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FINANCIAL TECHNOLOGY Ensuring diverse, stable and reliable financial services for all FINANCIAL TECHNOLOGY ENSURING DIVERSE, STABLE AND RELIABLE FINANCIAL SERVICES FOR ALL

whitepaper

Nov 01, 2018

Technology is an irreplaceable asset in the business of finance. For centuries, banks have continually found new ways to create better customer experiences and streamline operational processes along many business lines. Banks have become both a provi...

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Cloud-Enabled Core Banking CLOUD-ENABLED CORE BANKING

whitepaper

Oct 30, 2018

The time is now for banks to capitalize on the many benefits that can be achieved by running Core banking solutions in the cloud. This white paper explains why. Topics include recent increased confidence in cloud strategies; a definition of what clou...

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The Future of Financial Stability and Cyber Risk THE FUTURE OF FINANCIAL STABILITY AND CYBER RISK

whitepaper

Oct 30, 2018

Cyber risks pose unique threats to financial stability that are not well understood or managed, despite growing investment in research and dependence by financial institutions, consumers, and governments on cyber technologies. This paper considers th...

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Herding and Feedback Trading in Cryptocurrency Markets HERDING AND FEEDBACK TRADING IN CRYPTOCURRENCY MARKETS

whitepaper

Oct 24, 2018

Building on behavioral operational research (BOR) and behavioral finance literatures, this paper examines the extent to which herding and feedback trading behaviors drive price dynamics in nine cryptocurrency markets. Using sample price data from Bit...

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Open Banking A platform-based business
approach that came to stay OPEN BANKING A PLATFORM-BASED BUSINESS APPROACH THAT CAME TO STAY

whitepaper

Oct 17, 2018

Open Banking is ubiquitous and a trend that has come to stay. At the same time, it has recently become quite a buzzword. It is therefore worth providing in this point of view a short definition of the term as we understand it

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Technology, talent and trust
The state of global wholesale banking TECHNOLOGY, TALENT AND TRUST THE STATE OF GLOBAL WHOLESALE BANKING

whitepaper

Oct 14, 2018

How are political uncertainty, the rise of digitisation and automation, and the career aspirations of millennials changing wholesale banking? What exactly is changing and, just as importantly, what is not? For this White Paper, we asked 50 industry l...

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Technological Change and Financial Innovation in Banking: Some Implications for Fintech TECHNOLOGICAL CHANGE AND FINANCIAL INNOVATION IN BANKING: SOME IMPLICATIONS FOR FINTECH

whitepaper

Oct 11, 2018

Financial intermediation has changed dramatically over the past 30 years, due in large part to technological change. The paper first describes the role of the financial system in a modern economy and how technological change and financial innovation ...

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Artificial Intelligence Effects on the Financial Services Sector ARTIFICIAL INTELLIGENCE EFFECTS ON THE FINANCIAL SERVICES SECTOR

whitepaper

Oct 10, 2018

Artificial Intelligence (AI) refers to technologies capable of performing tasks that normally require human intelligence. AI applications such as video suggestions, product recommendations, spam filters and navigation systems have already become part...

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Open Banking Embracing the new banking paradigm OPEN BANKING EMBRACING THE NEW BANKING PARADIGM

whitepaper

Oct 05, 2018

Customer-centricity is a term that has been around banking for years. However, the flood of new entrants into the banking market is a tell-tale sign of an old problem; major banks are still not addressing customers’ needs and building trusting ...

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Regulation driving banking transformation REGULATION DRIVING BANKING TRANSFORMATION

whitepaper

Oct 05, 2018

Technology is fundamentally altering our behaviour. Growing up, I was taught never to get into a car with a stranger. Today, I don’t think twice about using an app to actively request a lift from one. The success of Uber, Lyft, Didi and others ...

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What finance for what growth? WHAT FINANCE FOR WHAT GROWTH?

whitepaper

Oct 05, 2018

A collection of recent thought-provoking facts and findings on the relationship between finance and growth to feed the debate. Since the financial crisis, the links between banks and growth are being re-examined. This factsheet looks at recent findin...

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Driving Sales Behavior With Non-Cash Rewards DRIVING SALES BEHAVIOR WITH NON-CASH REWARDS

whitepaper

Oct 03, 2018

In the end, you need to be rewarding your sales reps with more than just money if you want to keep them motivated and if you want your sales compensation plan to deliver on its promises.

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Change the sales rep experience, improve the customer experience CHANGE THE SALES REP EXPERIENCE, IMPROVE THE CUSTOMER EXPERIENCE

whitepaper

Oct 03, 2018

The first CRM launch truly changed the way sales were managed. We went from tracking customers on spreadsheets (and even in rolodexes) to tracking them and their attendant opportunities with software. It wasn’t long before reps started to feel ...

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Pipeline Management and Forecasting Are Key to Improving the Sales Experience PIPELINE MANAGEMENT AND FORECASTING ARE KEY TO IMPROVING THE SALES EXPERIENCE

whitepaper

Oct 03, 2018

Let’s explore some of the current processes around pipeline management and forecasting and how they can be improved.

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Crypto Research Report CRYPTO RESEARCH REPORT

whitepaper

Oct 01, 2018

This publication is for information purposes only and represents neither investment advice, nor an investment analysis or an invitation to buy or sell financial instruments. Specifically, the document does not serve as a substitute for individual inv...

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BONDS AND CLIMATE CHANGE THE STATE OF THE MARKET BONDS AND CLIMATE CHANGE THE STATE OF THE MARKET

whitepaper

Sep 24, 2018

The first part of this report presents the findings of Climate Bonds Initiative’s research of climate-aligned issuers, conducted between April and June 2018. It identifies issuers who generate at least 75% of their revenues from ‘green&rs...

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CRYPTOCURRENCY EXCHANGE TRADING PLATFORM CRYPTOCURRENCY EXCHANGE TRADING PLATFORM

whitepaper

Sep 19, 2018

Each owner of the crypto-currency would like to increase the number of his coins regardless of their price, but many of us have repeatedly faced the losses when trying to earn. Volatility sometimes pushes us to rash decisions. Analytics and common se...

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FINTECH FOR FINANCIAL INCLUSION: A FRAMEWORK FOR DIGITAL FINANCIAL TRANSFORMATION FINTECH FOR FINANCIAL INCLUSION: A FRAMEWORK FOR DIGITAL FINANCIAL TRANSFORMATION

whitepaper

Sep 09, 2018

The full potential of FinTech for financial inclusion may be realized with a strategic framework of underlying infrastructure and an enabling policy and regulatory environment to support digital financial transformation. Drawing from experiences in a...

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THE ILLICIT CRYPTOCURRENCY MINING THREAT THE ILLICIT CRYPTOCURRENCY MINING THREAT

whitepaper

Sep 05, 2018

Illicit cryptocurrency mining has increased significantly in just a few months. This activity poses both a short- and long-term threat to individuals and enterprises. This threat is not victimless or harmless, so individuals and organizations should ...

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Blockchain and Cryptocurrency Regulation 2019 BLOCKCHAIN AND CRYPTOCURRENCY REGULATION 2019

whitepaper

Sep 02, 2018

There is no specific c cryptocurrency regulation in Ireland, but there is also no specific c prohibition in Ireland on any activities related to cryptocurrency. The CBI is the competent authority in Ireland for the regulation of financial services in...

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Technology in financial services TECHNOLOGY IN FINANCIAL SERVICES

whitepaper

Sep 01, 2018

The financial services landscape in South Africa is highly competitive with a few major players dominating and competing for market share. Banking and insurance products and services are important to all consumers and businesses in some form, therefo...

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Financial Regulation challenged by European Trade Policy FINANCIAL REGULATION CHALLENGED BY EUROPEAN TRADE POLICY

whitepaper

Sep 01, 2018

Financial regulation and stability are directly affected by European trade policy and the proliferation of agreements negotiated with the world’s major economies. These so-called “new generation” trade agreements seek to increase ex...

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The Mortgage Revolution Starts Here! THE MORTGAGE REVOLUTION STARTS HERE!

whitepaper

Aug 30, 2018

A type of mortgage in which a homeowner can borrow money against the value of their home No repayment of the mortgage (principal or interest) is required. Borrower must maintain homeowners insurance, property taxes and any home owners association due...

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Cryptocurrencies: Getting Serious About Financial Crime Risk Management CRYPTOCURRENCIES: GETTING SERIOUS ABOUT FINANCIAL CRIME RISK MANAGEMENT

whitepaper

Aug 20, 2018

In addition to assessing these general risk categories, crypto businesses should think carefully about the money laundering and terrorist financing risks that their specific offerings present. For example, whether they provide an online exchange serv...

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Financial Inclusion for Women: A Way Forward FINANCIAL INCLUSION FOR WOMEN: A WAY FORWARD

whitepaper

Aug 15, 2018

The Financial Inclusion agenda continues to be on the rise, as demonstrated by the much awaited 2017 data set recently published by the World Bank, Global Findex.multiplicity of actors at the global and national level contributed to closing the gap i...

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BLOCKCHAIN BACKED LOANS BLOCKCHAIN BACKED LOANS

whitepaper

Aug 12, 2018

SALT is a membership-based lending and borrowing network that allows users to leverage their blockchain assets to secure cash loans. Our Secured Automated Lending Technology is a protocol and asset agnostic architecture designed to adapt to the const...

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RIPPLE (XRP) ANALYST REPORT RIPPLE (XRP) ANALYST REPORT

whitepaper

Aug 08, 2018

Ripple presents an opportunity for investors through buying and holding its digital currency, called XRP, which is freely available on many digital currency exchanges. The opportunities for XRP to increase in value are significant, as it is built on ...

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THE IMPERIALISM OF FINANCE CAPITAL AND ‘TRADE WARS’ THE IMPERIALISM OF FINANCE CAPITAL AND ‘TRADE WARS’

whitepaper

Aug 07, 2018

Donald Trump is a mercurial world leader. He seems to disdain the old order, the mechanisms of globalization set up with great care by the imperialist bloc after the fall of the USSR and the Third World Project. On his second day in office, Trump sig...

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Emerging Trends in Digital Banking EMERGING TRENDS IN DIGITAL BANKING

whitepaper

Aug 07, 2018

Digital banking or Digitalization of a bank has radically altered the landscape of banking in the last few years. Digital technologies which were initially limited to banking channels, now encompass the entire banking spectrum. So, whether it is back...

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Are You Trading Stocks Securely Exposing Security Flaws in Trading Technologies ARE YOU TRADING STOCKS SECURELY EXPOSING SECURITY FLAWS IN TRADING TECHNOLOGIES

whitepaper

Aug 04, 2018

The advent of electronic trading platforms and networks has made exchanging financial securities easier and faster than ever; but this comes with inherent risks. Investing in money markets is no longer limited to the rich. With as little as $10, anyo...

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Instantly owning a diverse cryptocurrency portfolio is now as easy as holding a single collateralized token. INSTANTLY OWNING A DIVERSE CRYPTOCURRENCY PORTFOLIO IS NOW AS EASY AS HOLDING A SINGLE COLLATERALIZED TOKEN.

whitepaper

Aug 02, 2018

Blockchain Investments issues tokens built on a profit-sharing smart contract. The company is proud to introduce the Token-As-A-Fund business model, which allows investors to subscribe to the fund’s income stream. To monitor the current reserve...

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How Do Banks Interact with Fintechs? Forms of Alliances and their Impact on Bank Value HOW DO BANKS INTERACT WITH FINTECHS? FORMS OF ALLIANCES AND THEIR IMPACT ON BANK VALUE

whitepaper

Jul 30, 2018

The increasing pervasiveness of technology-driven firms that offer banking services has led to a growing pressure on traditional banks to modernize their core business activities. Banks attempt to confront the challenges of digitalization by cooperat...

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Incentive Compensation Management: Build Versus Buy INCENTIVE COMPENSATION MANAGEMENT: BUILD VERSUS BUY

whitepaper

Jul 23, 2018

Custom ICM solutions are built for you, not auditors, so they typically don’t offer visibility into actions performed over time. Auditors may lack confidence in your homegrown system, especially if they find errors or omissions. In fact, audit ...

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The Three “S’s” of a Great Incentive Compensation Management System THE THREE “S’S” OF A GREAT INCENTIVE COMPENSATION MANAGEMENT SYSTEM

whitepaper

Jul 23, 2018

It all ties together. You want your sales reps to behave a certain way and close a certain amount of deals in specific verticals that match your company’s 3- and/or 5-year vision, but the systems you currently have in place to drive this behavi...

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Why Enterprise CPQ Implementations Fail WHY ENTERPRISE CPQ IMPLEMENTATIONS FAIL

whitepaper

Jul 23, 2018

You’ve reached a certain point in the evolution of your company and you know it’s time to invest in a CPQ system. But buyer beware: There’s a certain misconception around CPQ systems as being plug-in devices or turnkey-ready overlay...

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Moving Away from Spreadsheets: How to Know When It’s Time MOVING AWAY FROM SPREADSHEETS: HOW TO KNOW WHEN IT’S TIME

whitepaper

Jul 23, 2018

The spreadsheet conundrum... Joe Smith, sales director for Great Start-Up Number 5 Billion and Thirty-One, puts on a blindfold and reaches out blindly for something, ANYTHING, to help him organize his team’s deals and commissions. He’s ho...

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Interest rate benchmark reform – overnight risk-free rates and term rates INTEREST RATE BENCHMARK REFORM – OVERNIGHT RISK-FREE RATES AND TERM RATES

whitepaper

Jul 12, 2018

The Financial Stability Board (FSB) is established to coordinate at the international level the work of national financial authorities and international standard-setting bodies in order to develop and promote the implementation of effective regulator...

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THE ADVANCED ACCOUNTING LEDGER ON THE BLOCKCHAIN THE ADVANCED ACCOUNTING LEDGER ON THE BLOCKCHAIN

whitepaper

Jul 10, 2018

There are countless cases of auditing fraud globally, occurring in different firms, in different industries. As the current system in the industry has serious defects related to conflicts of interest and the issue of trust, a better system needs to b...

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The Impact of Blockchain Technology on Finance: A Catalyst for Change THE IMPACT OF BLOCKCHAIN TECHNOLOGY ON FINANCE: A CATALYST FOR CHANGE

whitepaper

Jul 09, 2018

Blockchain technology though still young and facing technical, commercial and regulatory challenges has the potential to change many aspects of the financial services sector and the broader economy. New ways to intermediate capital and risk are emerg...

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Is blockchain the missing piece to financial inclusion? IS BLOCKCHAIN THE MISSING PIECE TO FINANCIAL INCLUSION?

whitepaper

Jul 05, 2018

The World Bank estimates that over two billion adults worldwide don’t have a basic bank account,
excluding them from the financial tools they need to facilitate in everyday life, to guard against risk,
and to invest in their futur...

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Open Banking Report on Findings and Resolutions OPEN BANKING REPORT ON FINDINGS AND RESOLUTIONS

whitepaper

Jul 05, 2018

On May 7th, Canada 2020 convened a five-hour policy lab on Open Banking – an idea proposed in Budget 2018 by Finance Minister Bill Morneau. Open Banking has the potential to radically transform the banking sector by increasing consumers’ ...

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Blockchain and Cryptocurrency Advisory for Family Offices, Institutional Investors and Wealth Funds. BLOCKCHAIN AND CRYPTOCURRENCY ADVISORY FOR FAMILY OFFICES, INSTITUTIONAL INVESTORS AND WEALTH FUNDS.

whitepaper

Jul 04, 2018

We are a crypto focused venture business and we invest our own capital in the projects that deliver social impact at scale. The team have many decades of experience in creating and building technology businesses, have a background in computer science...

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The First Tokenized SMARTER THAN BETA Cryptocurrency Portfolio THE FIRST TOKENIZED SMARTER THAN BETA CRYPTOCURRENCY PORTFOLIO

whitepaper

Jun 25, 2018

The benefits are simple and many: convenience, no broker fees, no exit fees, full transparency, full control and a lower price bound. There is no need to keep your SMARTER THAN CRYPTO tokens on a centralized platform and you are free to sell or excha...

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Crypto Police Version 2.0.1 CRYPTO POLICE VERSION 2.0.1

whitepaper

Jun 25, 2018

The emergence of CryptoPolice is a consequence of both the necessity of solving topical issues related to fraud on the Internet and of the emergence of the blockchain technology that allows implementing such a project in a way that can be as useful a...

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Central Banking for All: A Public Option for Bank Accounts CENTRAL BANKING FOR ALL: A PUBLIC OPTION FOR BANK ACCOUNTS

whitepaper

Jun 20, 2018

Among the perks of being a bank is the privilege of holding an account with the central bank. Unavailable to individuals and nonbank businesses, central bank accounts pay higher interest than ordinary bank accounts. Payments between these accounts cl...

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WHOSE CUSTOMER ARE YOU? THE REALITY OF DIGITAL BANKING WHOSE CUSTOMER ARE YOU? THE REALITY OF DIGITAL BANKING

whitepaper

Jun 20, 2018

The future of banking is digital, but the human touch will remain essential in attracting new customers for loans and complex investment products. Stakeholders must co-operate like never before to deliver the user experience customers want while keep...

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BLENDING CLIMATE FUNDS TO FINANCE 
LOW-CARBON, CLIMATE-RESILIENT 
INFRASTRUCTUR BLENDING CLIMATE FUNDS TO FINANCE LOW-CARBON, CLIMATE-RESILIENT INFRASTRUCTUR

whitepaper

Jun 20, 2018

The Brookings Institution is a nonprofit organization devoted to independent research and policy solutions. Its  mission is to conduct high-quality, independent research and, based on that research, to provide innovative, practical recommendatio...

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AI Strategies in Financial Services AI STRATEGIES IN FINANCIAL SERVICES

whitepaper

Jun 18, 2018

The financial services industry is undergoing an AI transformation that is reshaping the sector. Early adopters of AI are reaping the benefits and adding to their bottom line results, and everyone is taking notice. These firms are using AI for a numb...

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Digital Transformation and the Race to the Future DIGITAL TRANSFORMATION AND THE RACE TO THE FUTURE

whitepaper

Jun 15, 2018

Banks around the world are on notice that the tradition-bound business-as-usual approaches to banking are a doomed recipe for obsolescence and that the only path to survival and growth is through digital transformation. This means retooling operation...

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State of Digital Sales in Banking 2018 STATE OF DIGITAL SALES IN BANKING 2018

whitepaper

Jun 15, 2018

To objectively evaluate the quality and quantity of digital sales capabilities of the largest banks, Avoka commissioned a research team to evaluate each of the products visible on a bank’s website. In addition, the team evaluated Ease of Use fo...

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AI-Automated Blockchain Accounting AI-AUTOMATED BLOCKCHAIN ACCOUNTING

whitepaper

Jun 08, 2018

This white paper outlines the rationale for a pre-Initial Coin Offering (ICO) by EZYcount, a Swiss-based software company. The hard cap for the ICO is set at 2 Million CHF, in which each token represents a lifelong software license and by purchasing ...

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Biometrics in Digital Financial Services: An Overview BIOMETRICS IN DIGITAL FINANCIAL SERVICES: AN OVERVIEW

whitepaper

Jun 08, 2018

This paper presents the results of a focussed, independent analysis of biometric technologies, and considers their application and acceptance for retail payments and conventional financial services for people in emerging economies. In particular, we ...

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BANKING IN THE DIGITAL AGE DISRUPTION REINVENTION REVOLUTION BANKING IN THE DIGITAL AGE DISRUPTION REINVENTION REVOLUTION

whitepaper

Jun 05, 2018

The Global banking Outlook 2018 published by Ernst & Young states a complete digital transformation is imperative for banks to protect themselves from “the impacts of future downturns on financial performance and business continuity”....

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Blockchain Implications Every Insurance Company Needs to Know BLOCKCHAIN IMPLICATIONS EVERY INSURANCE COMPANY NEEDS TO KNOW

whitepaper

Jun 05, 2018

Blockchain is a ledger of transactions that occur within an unlimited number of computers or blocks. Data that is uploaded is encrypted with the highest level of encryption and broken into hundreds of pieces of further encrypted data spread throughou...

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Update: Bitcoin, Cryptocurrencies and Blockchain UPDATE: BITCOIN, CRYPTOCURRENCIES AND BLOCKCHAIN

whitepaper

Jun 05, 2018

Maximalists think that Bitcoin will eventually win over all other crypto/digital/fiat currencies and view work on anything else as a distraction and waste of resources. Diversifiers are looking for there to be wide range of digital currencies, etc. I...

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The Roadmap to Financing Deforestation-Free Commodities THE ROADMAP TO FINANCING DEFORESTATION-FREE COMMODITIES

whitepaper

Jun 02, 2018

This White Paper looks at why financial institutions globally are not taking sufficient action or are finding it more difficult to do so than envisaged, and recommends ways forward for the various groups concerned. The recommendations are targeted fi...

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Multinational Banks in Regulated Markets: Is
Financial Integration Desirable? MULTINATIONAL BANKS IN REGULATED MARKETS: IS FINANCIAL INTEGRATION DESIRABLE?

whitepaper

May 30, 2018

We set up a two-country, regional model of trade in financial services. Competitive firms in each country manufacture non-traded consumer goods in an uncertain productive environment, borrowing funds from a bank in either the home or the foreign mark...

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Business Value of Open Source for Financial Services Firms BUSINESS VALUE OF OPEN SOURCE FOR FINANCIAL SERVICES FIRMS

whitepaper

May 25, 2018

The financial technology industry is moving into a new era of engagement with open source technologies and communities. Having used open source components for decades to build their products and run their datacenters, financial services and fintech f...

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SIFMA 2019 Outlook, Trends in the Capital Markets SIFMA 2019 OUTLOOK, TRENDS IN THE CAPITAL MARKETS

whitepaper

May 25, 2018

Why do capital markets matter? In short, efficient markets are essential to facilitate investment and capital formation that grow and sustain a vibrant economy. Markets provide the means for the best ideas and enterprises to obtain capital and credit...

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The Global Financial and Monetary System in 2030 THE GLOBAL FINANCIAL AND MONETARY SYSTEM IN 2030

whitepaper

May 25, 2018

The global financial and monetary system is at a crossroads. A decade after the onset of the global financial crisis, the world economy is showing signs of recovery. Growth in 2017 was broad-based, accelerating in about 75% of all countries. Boosted ...

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The 4th Generation Relational Blockchain THE 4TH GENERATION RELATIONAL BLOCKCHAIN

whitepaper

May 25, 2018

The pioneering cryptocurrency, Bitcoin, together with all the various reiterations, modifications, clones and forks based on Proof of Work algorithm for transaction validation, are considered first-generation blockchains. The second generation, with ...

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Good and Bad Banking on Europe’s
Periphery GOOD AND BAD BANKING ON EUROPE’S PERIPHERY

whitepaper

May 19, 2018

In this paper we seek to explain why bank performance has varied so dramatically during and after the financial crisis on Europe’s periphery, both across states and within them. Our dependent variable is bank performance defined in terms of cre...

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Succeeding with Data Science in Financial Services SUCCEEDING WITH DATA SCIENCE IN FINANCIAL SERVICES

whitepaper

May 18, 2018

Financial services industries are unique: their businesses have been data-driven for decades and their competitive edge often depends on the quality of their models. Yet, they face increased regulatory mandates and pressure to minimize risk. Today&rs...

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THE FUTURE OF FINANCIAL INCLUSION IN AFRICA THE FUTURE OF FINANCIAL INCLUSION IN AFRICA

whitepaper

May 15, 2018

The launch and growth of digital financial services has led to an unprecedented increase in the number of people enjoying access to formal financial services. Today, Africa is home to more digital financial services deployments than any other region ...

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The Way We Bank Now 2018 THE WAY WE BANK NOW 2018

whitepaper

May 13, 2018

UK Finance represents nearly 300 of the leading firms providing finance, banking, markets and payments related services in or from the UK. UK Finance has been created by combining most of the activities of the Asset Based Finance Association, the Bri...

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Future of Banking Industry FUTURE OF BANKING INDUSTRY

whitepaper

May 12, 2018

There may not be many striking features in this scenario, but let’s see what processes are running behind the scenes: “Harvey got a flat tire in the morning, again for the seventh time in past three months, and his car needs full servicin...

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CRYPTOCURRENCIES, MONETARY STABILITY AND REGULATION CRYPTOCURRENCIES, MONETARY STABILITY AND REGULATION

whitepaper

May 10, 2018

The present paper classifies bitcoins and other cryptocurrencies as money, reviews their possible economic impact and proposes a regulatory approach based on Germany’s nineteenth century private banks of issue. Cryptocurrencies represent import...

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Sustainable Financial Services in the Digital Age SUSTAINABLE FINANCIAL SERVICES IN THE DIGITAL AGE

whitepaper

May 07, 2018

In performing its core functions of deposit-taking and credit creation, as well as maintaining the infrastructure for payment systems which enable frictionless transactions between households and businesses, the financial system acts as an intermedia...

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Open Retailing and Open Banking Payments Industry Challenges OPEN RETAILING AND OPEN BANKING PAYMENTS INDUSTRY CHALLENGES

whitepaper

May 07, 2018

Global payment trends and digital technologies are driving change in the payments world. The omni-channel payment behaviour of increasingly online consumers and retailers counter-acting demand for omni-channel payment service acceptance is a real cha...

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TECHNOLOGY FOR FINANCIAL INCLUSION TECHNOLOGY FOR FINANCIAL INCLUSION

whitepaper

May 06, 2018

The nature of relationships between financial service providers (FSPs) with technology service providers (TSPs) and FinTechs has been continuously evolving over the past decade. This evolution can be categorized into three phases.1 Globally, the firs...

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How Blockchain is Transforming Capital Market HOW BLOCKCHAIN IS TRANSFORMING CAPITAL MARKET

whitepaper

May 06, 2018

Blockchain technology has become a much talked about topic in recent times, as it is predicted that such technology can have a huge impact on the way in which financial institutions interact with each other, and the way financial trades are processed...

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INSURANCE SERVICES ON THE BLOCKCHAIN INSURANCE SERVICES ON THE BLOCKCHAIN

whitepaper

May 06, 2018

The insurance industry has not evolved in any significant way since its inception. And yet, thanks to its positioning as a ‘must-have’ product, it remains one of the most lucrative industries in the world. DBD will become the leading prov...

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Blockchain Revolution Without the Blockchain BLOCKCHAIN REVOLUTION WITHOUT THE BLOCKCHAIN

whitepaper

May 03, 2018

The technology behind blockchain has attracted a lot of attention. However, this technology is for the most part not well understood. There is no consensus on what benefits it may bring or on how it may fail. A careful look into the technology finds ...

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IMPROVING GLOBAL FINANCIAL SERVICES REGULATION IMPROVING GLOBAL FINANCIAL SERVICES REGULATION

whitepaper

May 02, 2018

As the most globally active financial services provider, the UK has the potential to be a key player in helping to develop a more efficient international regulatory framework after it leaves the EU. All entities that have efficient and attractive fin...

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Fintech Promoting Responsible Innovation FINTECH PROMOTING RESPONSIBLE INNOVATION

whitepaper

May 02, 2018

ABA believes that innovation in financial services continues to have tremendous potential to benefit customers as it has throughout the history of banking. Innovation can promote financial inclusion, make it possible to extend credit to many more bor...

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Global Retail Banking 2018: The Power of Personalization GLOBAL RETAIL BANKING 2018: THE POWER OF PERSONALIZATION

whitepaper

May 01, 2018

Banks know where the prevailing economic and technological forces are pushing them these days. But they are moving at very different speeds and focusing on different milestones.BCG’s latest bank study shows that the economic benefits are increa...

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BLOCKCHAIN A potential Game-changer for Insurance claim BLOCKCHAIN A POTENTIAL GAME-CHANGER FOR INSURANCE CLAIM

whitepaper

Apr 30, 2018

The blockchain is an immutable, distributed and mutualized digital ledger of economic transactions that can be programmed to record not just financial transactions but virtually everything of value. Blockchain technology, in general runs on four basi...

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Invox Finance Platform Version 1.08 INVOX FINANCE PLATFORM VERSION 1.08

whitepaper

Apr 27, 2018

We are excited to offer small businesses worldwide a solution to their cash-flow problems by providing accessible, low-interest financing through our distributed invoice financing platform. The traditional invoice financing model does not create a di...

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Five Steps to Transform the Banking Customer Experience FIVE STEPS TO TRANSFORM THE BANKING CUSTOMER EXPERIENCE

whitepaper

Apr 26, 2018

Palpable and consequential shifts in digital, mobile, cloud, data and analytics technologies are reshaping customer expectations and driving customers to demand ever higher levels of service and value. In fact, a recent study showed that 65% of custo...

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Security Basics for Financial Applications SECURITY BASICS FOR FINANCIAL APPLICATIONS

whitepaper

Apr 25, 2018

As financial services firms expand their reach into the online world, they become vulnerable to increasingly sophisticated and pervasive cyber attacks. Customers can be exposed to identity theft and fraud. Assets can be misappropriated and result in ...

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Delivering Personalized Digital Banking Experience DELIVERING PERSONALIZED DIGITAL BANKING EXPERIENCE

whitepaper

Apr 25, 2018

A successful digital banking personalization effort results in continued customer engagement driven by uniform and consistent omnichannel interaction and well-defined user experience and journey-mapping processes. NIIT Technologies' digital perso...

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BRIEFING: OPEN BANKING AND FINANCIAL HEALTH BRIEFING: OPEN BANKING AND FINANCIAL HEALTH

whitepaper

Apr 25, 2018

For the first time, experts from banking and fintech, policymaking, consumer groups and civil society have come together to explore what Open Banking means for financial health, economic inequality and citizen power. This briefing summarises the find...

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CONNECTING FINANCE AND NATURAL CAPITAL CONNECTING FINANCE AND NATURAL CAPITAL

whitepaper

Apr 21, 2018

If we told you that we could supply you with information that was essential to your portfolio, that would provide competitive advantage, and generate benefits to society and the environment, we are sure that you would all be interested in getting it....

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THE FINANCIAL PERFORMANCE OF IMPACT INVESTING THROUGH PRIVATE DEBT THE FINANCIAL PERFORMANCE OF IMPACT INVESTING THROUGH PRIVATE DEBT

whitepaper

Apr 20, 2018

Impact investments investments made into companies, organizations, and funds with the intention of generating positive social or environmental impact (or both) alongside financial return are vital to addressing a range of global challenges, including...

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PROMOTING INNOVATION IN FINANCIAL SERVICES PROMOTING INNOVATION IN FINANCIAL SERVICES

whitepaper

Apr 20, 2018

The Treasury Secretary’s pending report on innovation and financial technology, or fintech, is an important opportunity to assess the existing financial regulatory and supervisory framework with an eye towards reform that would promote responsi...

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The identification and measurement of nonperforming assets: a crosscountry comparison THE IDENTIFICATION AND MEASUREMENT OF NONPERFORMING ASSETS: A CROSSCOUNTRY COMPARISON

whitepaper

Apr 20, 2018

Non-performing assets (NPAs) are a recurring feature in financial crises. Poor asset quality translates into lower interest income and higher loan loss provisions, eventually leading to a deterioration in banks’ profitability and regulatory cap...

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ULTIMATE GUIDE TO BLOCKCHAIN GROWTH ULTIMATE GUIDE TO BLOCKCHAIN GROWTH

whitepaper

Apr 20, 2018

Blockchain is best known as the technology that cryptocurrencies are built upon, but they have nearly limitless uses outside of crypto as well. A blockchain is basically just a ledger that, instead of being stored in a single location, is distributed...

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A FINANCIAL ADVISOR’S GUIDE TO BLOCKCHAIN, BITCOIN, ANDCRYPTOCURRENCIES A FINANCIAL ADVISOR’S GUIDE TO BLOCKCHAIN, BITCOIN, ANDCRYPTOCURRENCIES

whitepaper

Apr 18, 2018

Excitement over Bitcoin and other cryptocurrencies has as much, if not more, to do with the blockchain technology underpinning it as it does to do with a new kind of payment method. Blockchain holds the promise of applications beyond currency, and en...

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Central Banking in a Digital Age: Stock-Taking and Preliminary Thoughts CENTRAL BANKING IN A DIGITAL AGE: STOCK-TAKING AND PRELIMINARY THOUGHTS

whitepaper

Apr 16, 2018

This note provides a broad overview of how technological changes are likely to affect the practice of central banking. While the advent of decentralized cryptocurrencies such as Bitcoin has dominated the headlines, a broader set of changes wrought by...

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Public development banks:towards a better model PUBLIC DEVELOPMENT BANKS:TOWARDS A BETTER MODEL

whitepaper

Apr 15, 2018

Public development banks (PDBs) are enjoying a resurgence. The global financial and economic crisis has stimulated new interest in PDBs, particularly given the important role they play in providing counter-cyclical financing when private capital is i...

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Finance with artificial intelligence FINANCE WITH ARTIFICIAL INTELLIGENCE

whitepaper

Apr 15, 2018

The real and potential areas of application are as varied as they are exciting. Services previously provided by people - experts - can, supported by artificial intelligence, grow exponentially: driverless vehicles will revolutionise logistics and cha...

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Tapping Capital Markets and Institutional Investors
for Infrastructure Development TAPPING CAPITAL MARKETS AND INSTITUTIONAL INVESTORS FOR INFRASTRUCTURE DEVELOPMENT

whitepaper

Apr 15, 2018

The paper studies the possibility of using capital markets to channel more resources for infrastructure development while mobilizing assets managed by institutional investors such as pension funds and insurance companies. To this end, the paper is st...

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CHANGING THE CORE BANKING SYSTEM THE AGONY OF CHOICE CHANGING THE CORE BANKING SYSTEM THE AGONY OF CHOICE

whitepaper

Apr 15, 2018

Banks are subject to ever higher cost pressures characterized by shrinking margins and increasing investment needs. The implementation of new requirements especially triggered by regulation and digitalization is driving costs in an increasingly compe...

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NEW PRINCIPLES TO EXPLORE BANKING BLOCKCHAIN USE CASES EFFECTIVELY NEW PRINCIPLES TO EXPLORE BANKING BLOCKCHAIN USE CASES EFFECTIVELY

whitepaper

Apr 13, 2018

A new breed of blockchains are being developed to become identifiable, controllable and asset-agnostic. This evolving architecture demands new rules to explore use cases in the financial industry. Here we outline three use case principles for bank CI...

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BANK OF THE FUTURE The ABCs of Digital Disruption in Finance BANK OF THE FUTURE THE ABCS OF DIGITAL DISRUPTION IN FINANCE

whitepaper

Apr 13, 2018

At the end of 2017, when typically the most asked questions include ‘Are you going to the company holiday party?’ and ‘What present am I going to get Uncle Billy this year?’, one question seemed to dominate: ‘Do you thin...

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Making Waves: Aligning the Financial System with Sustainable Development MAKING WAVES: ALIGNING THE FINANCIAL SYSTEM WITH SUSTAINABLE DEVELOPMENT

whitepaper

Apr 12, 2018

Financial crisis created demands for fresh thinking about the role and shape of the financial system, and a greater willingness for policymakers to act. Second has been the growing importance of developing countries in breaking new ground in advancin...

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Decrypting Insurance Broking through Blockchain DECRYPTING INSURANCE BROKING THROUGH BLOCKCHAIN

whitepaper

Apr 10, 2018

With increasing regulatory complexity and heightened cost sensitivity, the nature of risk in the insurance industry is becoming more diverse and complex, making the role of insurance brokers more challenging and vital than ever before. Beyond selling...

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Digital Agenda for Retail Banking and Payment Companies DIGITAL AGENDA FOR RETAIL BANKING AND PAYMENT COMPANIES

whitepaper

Apr 10, 2018

Powerful forces are reshaping the retail banking and payments industry. Customer expectations, technology, regulatory requirements, millennial demographics and new FinTech startups are converging and making digital transformation a priority.  Cu...

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A distributed, open-standard protocol for decentralized
derivative trading. A DISTRIBUTED, OPEN-STANDARD PROTOCOL FOR DECENTRALIZED DERIVATIVE TRADING.

whitepaper

Apr 08, 2018

It is fair to say that digital currencies more or less have altered the course of money. On January 3, 2009, the digital currency Bitcoin was created introducing a new way of tracking ownership of digital assets. We now call that blockchain. Innovati...

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Cryptocurrency Trading Platform CRYPTOCURRENCY TRADING PLATFORM

whitepaper

Apr 08, 2018

As cryptocurrency prices have increased, so too has public intrigue and investment. However, despite these inflows of public capital, it is primarily cryptocurrency miners, venture capitalists, financial analysts, institutional investors and computer...

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Universal AI Banking Platform UNIVERSAL AI BANKING PLATFORM

whitepaper

Apr 06, 2018

The financial services industry is undergoing a transformation driven by expanding customer expectations for convenience and personalization. AI technologies are bridging the gap between what financial institutions currently offer versus what custome...

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Central Bank Capital as an Instrument of Monetary
Policy CENTRAL BANK CAPITAL AS AN INSTRUMENT OF MONETARY POLICY

whitepaper

Apr 06, 2018

We examine the use of central bank capital as an unconventional monetary policy tool. In this setting, a central bank employs digital currency to transfer digital cash to each household, thus supporting consumption directly when needed. The asset sid...

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Deposit coins. Borrow cash against your cryptocurrency Earn interest DEPOSIT COINS. BORROW CASH AGAINST YOUR CRYPTOCURRENCY EARN INTEREST

whitepaper

Apr 05, 2018

In conjunction with the launch of the Celsius Crypto Wallet, we’re excited to introduce the Celsius Token (CEL). After our Token Generation Event, members will be able to use their CEL tokens to secure access to loans in dollars using their cry...

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A Price-Stable Cryptocurrency for Next-Generation Payments A PRICE-STABLE CRYPTOCURRENCY FOR NEXT-GENERATION PAYMENTS

whitepaper

Apr 03, 2018

Cryptocurrencies with deterministic supply such as Bitcoin and Ethereum are extremely volatile. Changes in coin demand reflect on coin price, which discourages its use for basic economic needs like paying bills and buying coffee, not to mention more ...

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Defending Your Network from Cryptomining DEFENDING YOUR NETWORK FROM CRYPTOMINING

whitepaper

Mar 30, 2018

Threat actors increasingly look toward illicit crypto mining as an easy source of income. Cryptomining is the production of virtual currency, also known as cryptocurrencies, such as Bitcoin and Monero. It comes at the expense of system performance an...

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OpenFinance Network OPENFINANCE NETWORK

whitepaper

Mar 30, 2018

Today's global financial markets were shaped over decades of interactions between various participants and stakeholders in the industry. Markets are comprised of complex networks of internal systems and service providers that support the processi...

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Financial Inclusion in the Digital Age FINANCIAL INCLUSION IN THE DIGITAL AGE

whitepaper

Mar 30, 2018

Billions of adults across the globe lack access to the financial services they need to achieve even modest levels of financial well-being. Many households and small businesses in emerging markets have no or very limited access to formal financial ser...

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Tokenised Venture Partnering and Ethical Investment TOKENISED VENTURE PARTNERING AND ETHICAL INVESTMENT

whitepaper

Mar 30, 2018

This whitepaper contains financial and technological information which is subject to change. As a result, certain statements, predictions, estimates, and models should be taken on informational grounds only with a view to the significant uncertainty ...

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Allvor: cryptocurrency for e-commerce ALLVOR: CRYPTOCURRENCY FOR E-COMMERCE

whitepaper

Mar 28, 2018

Allvor is the first cryptocurrency issued in the XRP Ledger with a focus on e-commerce. Allvor proposes integrating the XRP Ledger’s superior technology with systems and protocols used in e-commerce as a way to boost the cryptocurrency use on a...

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DIGITAL BANKING: FIVE SIMPLE WAYS TO MAKE YOUR CUSTOMER FEEL SPECIAL DIGITAL BANKING: FIVE SIMPLE WAYS TO MAKE YOUR CUSTOMER FEEL SPECIAL

whitepaper

Mar 25, 2018

Over the years, banks have become more digital and less human in serving their customers. They might be more efficient, but relationships are not about efficiency. For the non-digital ‘native’ customer the interaction can be less than ful...

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2018 Banking Outlook Accelerating the transformation 2018 BANKING OUTLOOK ACCELERATING THE TRANSFORMATION

whitepaper

Mar 25, 2018

For banks globally, 2018 could be a pivotal year in accelerating the transformation into more strategically focused, technologically modern, and operationally agile institutions, so that they may remain dominant in a rapidly evolving ecosystem. This ...

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Bitcoin and Crytocurrencies - Law Enforcement Cyber Center BITCOIN AND CRYTOCURRENCIES - LAW ENFORCEMENT CYBER CENTER

whitepaper

Mar 25, 2018

As the budget session drew to an end, cryptocurrency dealing was termed 'not legal' in India. Though there was a lack of regulatory measures, people have been dealing with cryptocurrencies and many were falling victims of fraud. With the rate...

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CONNECTED CORPORATE BANKING CONNECTED CORPORATE BANKING

whitepaper

Mar 20, 2018

Corporate and commercial banking remains attractive with good returns and solid revenue growth despite contracting margins. The latest Celent research incorporates new data from Oliver Wyman, forecasting global growth for corporate banking (global tr...

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Converting loose change into virtual currencies CONVERTING LOOSE CHANGE INTO VIRTUAL CURRENCIES

whitepaper

Mar 15, 2018

This whitepaper explores the challenges faced in dealing with loose change, as well as the challenges in transitioning from a cash-based to a digital economy and provides a detailed overview of the Digitize solution, which will create a frictionless ...

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Artificial intelligence: the evolution of financial advice ARTIFICIAL INTELLIGENCE: THE EVOLUTION OF FINANCIAL ADVICE

whitepaper

Mar 15, 2018

Media and research papers frequently make bold claims about AI or machine learning techniques solving human problems and beating human experts, or the dangers we face if progress is unchecked. There is always a lot of hype around anything connected w...

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LARGE-SCALE CYBER-ATTACKS ON THE FINANCIAL SYSTEM LARGE-SCALE CYBER-ATTACKS ON THE FINANCIAL SYSTEM

whitepaper

Mar 15, 2018

Cyber-attacks on financial institutions are becoming more frequent, complex, and sophisticated, with potential for far-reaching, systemic impacts. The motivation of cyber-attackers is shifting from purely achieving financial gains to disrupting criti...

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Behavioral Design for Digital Financial Services BEHAVIORAL DESIGN FOR DIGITAL FINANCIAL SERVICES

whitepaper

Mar 15, 2018

Today, there’s a digital tool for almost every aspect of financial management, from automated savings and investment to expense tracking to person-to-person payments. Compared with traditional brick-and-mortar financial services, digital financ...

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Innovation in Payments: The Future is Fintech INNOVATION IN PAYMENTS: THE FUTURE IS FINTECH

whitepaper

Mar 15, 2018

Fintech is changing the face of global payments. Global investment in fintech ventures tripled in 2014 to US$12 billion. As new payment capabilities come to the fore, cutting-edge technology is transforming how transactions are initiated and processe...

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The transaction effort score driving revenue through reduced customer effort THE TRANSACTION EFFORT SCORE DRIVING REVENUE THROUGH REDUCED CUSTOMER EFFORT

whitepaper

Mar 15, 2018

Many financial institutions have some portion of their application process online but it’s sometimes confusing and tedious for customers to complete. This is a lost opportunity for acquisition and revenue. One of the major problems with reducin...

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Can Big Data Shape Financial Services in East Africa? CAN BIG DATA SHAPE FINANCIAL SERVICES IN EAST AFRICA?

whitepaper

Mar 15, 2018

FinTech startups operating as alternative lenders4 have fewer legacy technology constraints, but they face challenges in acquiring low-cost wholesale capital, especially for FinTech startups lending to sectors which are perceived by banks as high ris...

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Virtual Currencies and Blockchain Technology VIRTUAL CURRENCIES AND BLOCKCHAIN TECHNOLOGY

whitepaper

Mar 15, 2018

Virtual currencies can be defined as a transactional system in which encryption techniques are employed to verify transactions, facilitate the transfer of units from one party to another, and regulate the generation of new units of a ‘virtual c...

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Crypto Trading for everyone CRYPTO TRADING FOR EVERYONE

whitepaper

Mar 14, 2018

In recent times the interest in trading and investing in cryptocurrencies has dramatically increased as has the average person’s fervor for getting involved in the potential investment opportunities. The move to global digital ledgers and crypt...

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2018 Midwest Startup and Venture Capital Market Analysis 2018 MIDWEST STARTUP AND VENTURE CAPITAL MARKET ANALYSIS

whitepaper

Mar 13, 2018

After the success of our 2017 Midwest Startup and Venture Capital Market Analysis, we sought out to investigate the venture and start up landscape in the region once more, paying special attention to where the market has most significantly changed. I...

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Aggressive tax planning indicators AGGRESSIVE TAX PLANNING INDICATORS

whitepaper

Mar 12, 2018

The international corporate tax system aims to tax the profits of multinational enterprises (MNE) where they arise. However, MNEs have in some instances exploited mismatches and loopholes in the international tax framework to reduce their overall tax...

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Virtual Currencies and Blockchain Technology VIRTUAL CURRENCIES AND BLOCKCHAIN TECHNOLOGY

whitepaper

Mar 07, 2018

Virtual currencies can be defined as a transactional system in which encryption techniques are employed to verify transactions, facilitate the transfer of units from one party to another, and regulate the generation of new units of a ‘virtual c...

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A Guide for Mortgage Bankers to Build and Leverage their Network A GUIDE FOR MORTGAGE BANKERS TO BUILD AND LEVERAGE THEIR NETWORK

whitepaper

Mar 07, 2018

The contributions made to this course by the mortgage bankers of Sente Mortgage are critical to the quality of the course. Their practice and feedback have allowed us to test the ideas and present the most successful. While Sente Mortgage has taken d...

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The Fourth Industrial Revolution: Impact on Financial Services THE FOURTH INDUSTRIAL REVOLUTION: IMPACT ON FINANCIAL SERVICES

whitepaper

Mar 06, 2018

Emerging FinTechs are also starting to tackle a range of other banking services. These include providing alternatives in the payments space, offering loans and delivering financial planning services, something that in the past was only available to h...

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Digital Financial Services Evidence Gap Map Methodology DIGITAL FINANCIAL SERVICES EVIDENCE GAP MAP METHODOLOGY

whitepaper

Mar 05, 2018

The Digital Finance Evidence Gap Map (EGM) serves as the inventory of client-level impact. The interactive EGM and supporting narratives provide an overview of the evidence of the effects of Digital Finance on various clients, their households, and c...

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Asia Pacific Capital Markets Outlook 2018 ASIA PACIFIC CAPITAL MARKETS OUTLOOK 2018

whitepaper

Feb 21, 2018

Investor concerns around the medium-term interest rate outlook has lifted recently which is placing some pressure on their ability to underwrite deals in the absence of significant rental growth. Yield curves globally have flattened in line with the ...

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3 Top Big Data Use Cases in Financial Services 3 TOP BIG DATA USE CASES IN FINANCIAL SERVICES

whitepaper

Feb 20, 2018

Datameer has been working with some of the most progressive companies in financial services to rapidly deploy big data analytics that drives customer acquisition, increase customer loyalty, predict and prevent fraud and delivers the more targeted adv...

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The Future of Finance: How FinTech, AI & Blockchain Will
Shape our Future THE FUTURE OF FINANCE: HOW FINTECH, AI & BLOCKCHAIN WILL SHAPE OUR FUTURE

whitepaper

Feb 20, 2018

Digitization in banks involves translating analog processes into digital processes such as online banking or electronic funds transfer. Digital transformation in banks involves integrating across multiple digital processes to offer customers individu...

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A 3rd generation peer to peer cryptocurrency A 3RD GENERATION PEER TO PEER CRYPTOCURRENCY

whitepaper

Feb 20, 2018

The major aim of $PAC is to become the most efficient and user-friendly cryptocurrency that is available globally. Our network features double-send proof transactions and transaction history that is erasable in terms of receiving funds. $PAC works us...

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Banking on a Low-Carbon Future BANKING ON A LOW-CARBON FUTURE

whitepaper

Feb 20, 2018

Banks are exposed to climate-related risks through their lending and financial service activities, including project finance, equity, and debt underwriting. These risks are real and wide-ranging. A recent study estimates that the value at risk for in...

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High-Cost Alternative Financial Services: Issues and Impact HIGH-COST ALTERNATIVE FINANCIAL SERVICES: ISSUES AND IMPACT

whitepaper

Feb 18, 2018

Several banking and credit alternatives exist beyond the traditional financial system. Referred to as high cost alternative financial services in this report, these alternatives supply credit-constrained individuals with fast, convenient access to ca...

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Machine learning at central banks MACHINE LEARNING AT CENTRAL BANKS

whitepaper

Feb 15, 2018

We introduce machine learning in the context of central banking and policy analyses. Our aim is to give an overview broad enough to allow the reader to place machine learning within the wider range of statistical modelling and computational analyses,...

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AI DISRUPTION: THE CHANGING FACE OF FINANCE AI DISRUPTION: THE CHANGING FACE OF FINANCE

whitepaper

Feb 14, 2018

Technology companies such as Apple, Amazon and Google are leading the way with the deployment of Artificial Intelligence (AI), with Siri, Alexa and Nest examples of how AI is becoming mainstream and adopted by consumers keen to embrace and benefit fr...

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How Blockchain Technology and AI Can Deliver Insurance Innovations HOW BLOCKCHAIN TECHNOLOGY AND AI CAN DELIVER INSURANCE INNOVATIONS

whitepaper

Feb 12, 2018

Today's commercial and home security monitoring systems produce an enormous amount of big data designed to alert users after an event has occurred. We believe that no system exists to continuously collect and analyse that data, utilizing it to pr...

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Blockchain and Emerging Digital Technologies for Enhancing Post-2020 Climate Markets BLOCKCHAIN AND EMERGING DIGITAL TECHNOLOGIES FOR ENHANCING POST-2020 CLIMATE MARKETS

whitepaper

Feb 12, 2018

Scientific consensus is that rapid and aggressive reductions in greenhouse gas (GHG) emissions are needed if significant climate disruption and irreversible environmental impacts are to be averted. The changes required necessitate large-scale investm...

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Financial Services and the Role of Workflow Automation FINANCIAL SERVICES AND THE ROLE OF WORKFLOW AUTOMATION

whitepaper

Feb 10, 2018

This whitepaper will look at the processes that underpin the common industry challenges faced in the financial services infrastructure; the problems with traditional workflow solutions, and look at how automating these processes with Nintex Workflow ...

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Digital Banking Strategies: Opportunities to Connect with Customers DIGITAL BANKING STRATEGIES: OPPORTUNITIES TO CONNECT WITH CUSTOMERS

whitepaper

Feb 10, 2018

Digitalization is changing the entire customer relationship. Banking customers can now complete the majority of personal finance transactions on a variety of devices and platforms, without once stepping into a bank branch. A strong digital banking st...

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BANKING’S DIGITAL TRANSFORMATION BANKING’S DIGITAL TRANSFORMATION

whitepaper

Feb 08, 2018

The age of digital transformation has arrived, revolutionizing the financial services industry with new ways of doing business anytime, anywhere. With a growing array of digital banking channels available, customers seemingly have infinite possibilit...

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A Primer on Blockchain Technology and its Potential for Financial Inclusion A PRIMER ON BLOCKCHAIN TECHNOLOGY AND ITS POTENTIAL FOR FINANCIAL INCLUSION

whitepaper

Feb 08, 2018

In all blockchains, transactions are bundled in blocks, which are cryptographically interlinked. Due to this, the manipulation of a certain block is visible in every block that is created on top of this block. Additionally, the blockchain is stored o...

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To Survive, Smaller Banking Institutions Need a Strong Technology Foundation TO SURVIVE, SMALLER BANKING INSTITUTIONS NEED A STRONG TECHNOLOGY FOUNDATION

whitepaper

Feb 06, 2018

The past decade has seen a sea change in the way banks operate, both internally and with their customers. A shifting regulatory environment has meant banks need to comply with more or different rules. And customers increasingly are demanding differen...

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ARTIFICIAL INTELLIGENCE POWERED BANKING ARTIFICIAL INTELLIGENCE POWERED BANKING

whitepaper

Feb 05, 2018

The breakneck speed of technological change continues to drive new possibilities. If Google’s DeepMind AI beating top players at a complex board game “Go” in 2017 was any indication of how far we have come, clearly 2018 is set to ma...

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Digitally-driven changes to insurance DIGITALLY-DRIVEN CHANGES TO INSURANCE

whitepaper

Feb 03, 2018

As technology continues to insinuate itself into all facets of financial services, the insurance industry faces a slow-motion parade of promise, possibilities, prematurity, and pared-down expectations. Digitization, the birth of InsurTech, machine in...

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Financial Innovation and riding the Fintech Wave FINANCIAL INNOVATION AND RIDING THE FINTECH WAVE

whitepaper

Feb 02, 2018

Fintech or financial technology is the application of technology in the financial product ecosystem. This includes financial product administration, vetting, marketing, distribution and supervision. The tremendous speed of fintech development in rece...

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why is blockchain important? Swiss Fintech Innovations WHY IS BLOCKCHAIN IMPORTANT? SWISS FINTECH INNOVATIONS

whitepaper

Feb 02, 2018

A new survey conducted by Swiss FinTech, an association that aims to serve as the hub for the Swiss fintech scene, found that among 265 respondents, the majority believes that blockchain technology will most likely shape the future of financial servi...

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Banking Technology Vision 2018 Building the Future-Ready Bank BANKING TECHNOLOGY VISION 2018 BUILDING THE FUTURE-READY BANK

whitepaper

Feb 01, 2018

In contrast, the pace of change in more developed retail and commercial banking markets appears to be more evolutionary than revolutionary. The would-be rebels see the EU’s second Payment Services Directive (PSD2), the UK’s Open Banking i...

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The state of blockchain and crypto in South Korea THE STATE OF BLOCKCHAIN AND CRYPTO IN SOUTH KOREA

whitepaper

Jan 31, 2018

Blockchain growing the ,Value of Internet the of blocks building the build to aim We as safely and easily, quickly as exchanged be to value enabling challenges various the Understanding. internet the on information has Group Assets Digital First, bri...

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Best and Worst Dividend Paying Stocks BEST AND WORST DIVIDEND PAYING STOCKS

whitepaper

Jan 30, 2018

Getting risk-free U.S. Treasury securities and bank securities don’t seem so great now, especially with the rock-bottom returns that are being offered. Instead, investors like you are looking for other ways to generate safe, consistent income f...

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Trading platform for the creation and exchange of digital assets TRADING PLATFORM FOR THE CREATION AND EXCHANGE OF DIGITAL ASSETS

whitepaper

Jan 20, 2018

The Internet is experiencing a new technological revolution, a paradigm shift where the World Wide Web is evolving towards the World Wide Ledger. With the incorporation of distributed networks that use blockchain technology and smart contracts, a new...

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Swiss national blockchain and cryptocurrency SWISS NATIONAL BLOCKCHAIN AND CRYPTOCURRENCY

whitepaper

Jan 18, 2018

The introduction of a national blockchain and corresponding cryptocurrency brings significant and multifaceted benefits required for a modern digital economy. Switzerland will become part of a group of leading digital nations, with blockchain and cry...

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Demystifying Machine Learning for Banking DEMYSTIFYING MACHINE LEARNING FOR BANKING

whitepaper

Jan 18, 2018

People have been saying it for a while. “AI has arrived!” Well, AI turned 67 this year. It’s not new. And yet, we are now witnessing a special moment. AI is graduating from the laboratory to the wide market. Before, AI belonged to t...

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Mobile and Digital Wallets: U.S. Landscape and Strategic Considerations for Merchants and Financial Institutions MOBILE AND DIGITAL WALLETS: U.S. LANDSCAPE AND STRATEGIC CONSIDERATIONS FOR MERCHANTS AND FINANCIAL INSTITUTIONS

whitepaper

Jan 17, 2018

The U.S. Payments Forum, formerly the EMV Migration Forum, is a cross-industry body focused on supporting the introduction and implementation of EMV chip and other new and emerging technologies that protect the security of, and enhance opportunities ...

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2018 CRM SOLUTIONS FOR BANKING 2018 CRM SOLUTIONS FOR BANKING

whitepaper

Jan 17, 2018

Customer relationship management is a well-known term in the industry. CRM is a strategy and business process encompassing many technologies by which firms acquire, manage, and service customers. The goal of a bank implementing a CRM strategy is to g...

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Cryptocurrency Essential knowledge for business CRYPTOCURRENCY ESSENTIAL KNOWLEDGE FOR BUSINESS

whitepaper

Jan 15, 2018

Cryptocurrency has dominated the financial pages over the last six months; innovative Blockchain technology has allowed an increasing number of new, decentralised digital currencies to make exponential gains, in both value and user adoption. Blockcha...

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The Governance of Blockchain Financial Networks THE GOVERNANCE OF BLOCKCHAIN FINANCIAL NETWORKS

whitepaper

Jan 14, 2018

How can companies stay compliant with regulations such as FINRA, MiFID II, and GDPR? Should they ban WhatsApp at work and risk the productivity and efficient communication between their employees? Or should they rather create effective policies and i...

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Advancing Financial Inclusion Metrics ADVANCING FINANCIAL INCLUSION METRICS

whitepaper

Jan 10, 2018

Stimulating financial inclusion has the potential to bolster economic growth while alleviating poverty. It provides access to payments and savings, protects against crises and mobilizes resources essential for investment and consumption. Additionally...

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RETAIL BANKING FUTURE TRENDS European Market RETAIL BANKING FUTURE TRENDS EUROPEAN MARKET

whitepaper

Jan 09, 2018

We know that in today’s challenging and competitive market, all businesses are striving to do their best, regardless of the industry, where the key focus is to enhance the customer experience and stay competitive. So, it is for the financial se...

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Impact of Digital Finance on Financial Inclusion and Stability IMPACT OF DIGITAL FINANCE ON FINANCIAL INCLUSION AND STABILITY

whitepaper

Jan 08, 2018

This study examines the impact of digital finance for financial inclusion and financial system stability. Focussing on digital finance, this article provides a discussion on digital finance and explores the impact of digital finance for financial inc...

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Information Transmission Between Cryptocurrencies: Does Bitcoin Rule the Cryptocurrency World? INFORMATION TRANSMISSION BETWEEN CRYPTOCURRENCIES: DOES BITCOIN RULE THE CRYPTOCURRENCY WORLD?

whitepaper

Jan 08, 2018

Cryptocurrencies, sometimes referred to as virtual or digital currencies, may be considered a medium of exchange in certain contexts, but they do not yet possess all the properties and features usually attributed to money. According to the traditiona...

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Capital Market Assumptions: 10 Consultant Outlooks CAPITAL MARKET ASSUMPTIONS: 10 CONSULTANT OUTLOOKS

whitepaper

Jan 02, 2018

In the case that multiple capital market assumptions were produced by a consultant in a single year, we used the most recent assumptions for that year. Local currency and unhedged assumptions were used in this research. All observations in the follow...

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How Blockchain Is Changing Finance HOW BLOCKCHAIN IS CHANGING FINANCE

whitepaper

Jan 01, 2018

Our global financial system moves trillions of dollars a day and serves billions of people. But the system is rife with problems, adding cost through fees and delays, creating friction through redundant and onerous paperwork, and opening up opportuni...

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Future of Consumer Banking: The Augmented Way FUTURE OF CONSUMER BANKING: THE AUGMENTED WAY

whitepaper

Dec 30, 2017

Every financial institution across the globe is leveraging modern advances of computing like cloud, data analytics, automation, artificial intelligence, etc., to build customer-centric sustainable solutions. But technology itself is a rapidly changin...

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2018 FINTECH PREDICTIONS 2018 FINTECH PREDICTIONS

whitepaper

Dec 25, 2017

We are excited to publish our 3rd annual edition of financial technology predictions, where we look back at how our predictions for 2017 panned out and look forward to what we can expect in 2018. 2017 has been a year of continued growth for companies...

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LOGISTICS & FINTECH: FROM DIRECT BENEFITS TO BIG IMPACTS LOGISTICS & FINTECH: FROM DIRECT BENEFITS TO BIG IMPACTS

whitepaper

Dec 20, 2017

Fintech stands for financial technology and encompasses innovation in the financial sector, including innovations in financial literacy and education, retail banking, investments, and cryptocurrencies. The fintech industry consists of a range of comp...

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Banking For the Blockchain Era BANKING FOR THE BLOCKCHAIN ERA

whitepaper

Dec 20, 2017

The potential impact of technological development in finance is one of the hottest topics today. Many start-ups are trying to revolutionize financial services. However, they mostly focus on a niche and cannot take advantage of economies of scale, whi...

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BLOCKCHAIN FOR TRADE AND FINANCE BLOCKCHAIN FOR TRADE AND FINANCE

whitepaper

Dec 20, 2017

Global trade, also known as an international trade, is simply the import and export of goods and services across international boundaries which is settled by financial transactions. A fundamental concept underlying global trade is the concept of comp...

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Cryptocurrency Trading Platform with Superior User Experience CRYPTOCURRENCY TRADING PLATFORM WITH SUPERIOR USER EXPERIENCE

whitepaper

Dec 20, 2017

The fact that you are reading this White Paper means that you are probably aware of the exponential growth that has occurred in the world of cryptocurrency over the course of the last few years, and, even more significantly, the last few months. Bitc...

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2017 Retail Banking Trends and Predictions 2017 RETAIL BANKING TRENDS AND PREDICTIONS

whitepaper

Dec 19, 2017

The Top 10 Digital Banking Trends and Predictions for 2017 were collected from a panel of over 100 global influencers including bankers, credit union executives, industry analysts, advisors, authors and fintech leaders from Asia, Africa, North Americ...

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CRYPTOCURRENCIES: OVERCOMING BARRIERS TO TRUST AND ADOPTION CRYPTOCURRENCIES: OVERCOMING BARRIERS TO TRUST AND ADOPTION

whitepaper

Dec 19, 2017

As our findings make clear, the notion that cryptocurrencies have to fit in with old-world financial models is flawed. Money has always evolved. Its uses and social status have changed and will keep changing. Why should we measure cryptocurrencies wi...

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ACCELERATING FINANCIAL CENTRE ACTION ON SUSTAINABLE DEVELOPMENT ACCELERATING FINANCIAL CENTRE ACTION ON SUSTAINABLE DEVELOPMENT

whitepaper

Dec 15, 2017

Mobilizing the world’s financial centres is essential to make progress on climate change and sustainable development. The momentum towards a sustainable financial system is clear: integrating environmental, social and governance (ESG) factors i...

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Top 10 Trends in Property & Casualty Insurance 2018 TOP 10 TRENDS IN PROPERTY & CASUALTY INSURANCE 2018

whitepaper

Dec 15, 2017

Emerging technologies are transforming every aspect of the insurance business. Property and casualty insurers are adapting InsurTech capabilities to be more customer-centric, to optimize costs, and to improve operational efficiency. Transformational ...

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Financial Services: Building Blockchain One Block at a Time FINANCIAL SERVICES: BUILDING BLOCKCHAIN ONE BLOCK AT A TIME

whitepaper

Dec 11, 2017

Even as blockchain is poised to disrupt the financial services industry, from operations to business models, most organizations face substantial uncertainty about how the blockchain ecosystem will develop and the changes it will unleash. While some e...

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The Future of Work Banking and financial services in focus THE FUTURE OF WORK BANKING AND FINANCIAL SERVICES IN FOCUS

whitepaper

Dec 10, 2017

Many financial services companies might want to employ these individuals on a permanent basis, but this is often impossible to do. Most specialists are in such demand that they can make more money moving from project to project at different companies...

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SIFMA 2018 Outlook: Trends in the Capital Markets SIFMA 2018 OUTLOOK: TRENDS IN THE CAPITAL MARKETS

whitepaper

Dec 10, 2017

The capital markets fuel the U.S. economy, providing 65% of funding for economic activity. Today, GDP growth is slowly starting to pick up and the financial system is strong. And yet, the U.S. economy has experienced the slowest economic recovery of ...

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Blockchain for Development: Emerging Opportunities for Mobile, Identity and Aid BLOCKCHAIN FOR DEVELOPMENT: EMERGING OPPORTUNITIES FOR MOBILE, IDENTITY AND AID

whitepaper

Dec 07, 2017

A 2017 report from Accenture has found that the velocity and intensity of change in the development sector has reached an unprecedented level, with new players, businesses and funding models, societal expectations, demographic shifts, globalisation a...

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BANKING TRENDS THROUGH A MILLENNIAL LENS BANKING TRENDS THROUGH A MILLENNIAL LENS

whitepaper

Nov 30, 2017

Millennials have altered the landscape of banking, both in how they interact with their financial partners and in what they expect in an ongoing relationship. Financial institutions must adapt to win this generation and adjust their services and stra...

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Capdax Token CAPDAX TOKEN

whitepaper

Nov 30, 2017

The buzz around cryptocurrencies is booming and accelerating more quickly than ever, with more major media outlets covering new developments every day. With daily exposure in nearly every major newspaper and television station, it is clear that crypt...

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Next Generation Financial Consolidations NEXT GENERATION FINANCIAL CONSOLIDATIONS

whitepaper

Nov 29, 2017

Corporate accounting has long been viewed as custodian and curator of financial data. However, whether it’s bringing the data together or distributing the financial results broadly, the financial consolidation process has long been an onerous d...

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Top 10 Trends in Capital Markets 2018 TOP 10 TRENDS IN CAPITAL MARKETS 2018

whitepaper

Nov 29, 2017

The Capital Markets industry is ripe for disruption as participants cope with increasing competition and a stricter regulatory environment. Ecosystem firms are leveraging emerging technologies to support their transition to new and differentiating bu...

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The future of retail banking and the case for core transformation THE FUTURE OF RETAIL BANKING AND THE CASE FOR CORE TRANSFORMATION

whitepaper

Nov 29, 2017

This paper argues that the widespread uptake of disruptive new technologies is exacerbating the pressures facing retail banking today, thereby driving a fundamental change in the structure of the industry i.e. digital-driven disintermediation of the ...

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How Banks Can Use Data To Improve Their Customer HOW BANKS CAN USE DATA TO IMPROVE THEIR CUSTOMER' EXPERIENCE

whitepaper

Nov 27, 2017

Read our banking infographic about capitalizing on the value big data analytics for banking. See how Pentaho Data Integration and Hitachi Content Platform gather, store, integrate and analyze bank customer data, and turn it into actionable insights. ...

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APPLYING ARTIFICIAL INTELLIGENCE TECHNOLOGY TO REDUCE AML RISK FOR GLOBAL FINANCIAL INSTITUTIONS APPLYING ARTIFICIAL INTELLIGENCE TECHNOLOGY TO REDUCE AML RISK FOR GLOBAL FINANCIAL INSTITUTIONS

whitepaper

Nov 26, 2017

In recent years, financial institutions have navigated through a rising tide of regulatory obligations and compliance requirements related to anti-money laundering (AML), counter-terrorist financing (CTF), Bank Secrecy Act (BSA) and Know Your Custome...

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How Analytics is Transforming Financial Services HOW ANALYTICS IS TRANSFORMING FINANCIAL SERVICES

whitepaper

Nov 22, 2017

Digital disruption is affecting all parts of the economy, but a combination of factors within the financial industry makes the demand for mature analytics capabilities in that sector especially urgent. By their very nature, such companies face a numb...

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The Role of Analytics in the New Banking Age THE ROLE OF ANALYTICS IN THE NEW BANKING AGE

whitepaper

Nov 20, 2017

What is a bank? The definition is in flux. As the regulatory-driven Open Banking agenda powers innovation and accelerates the fragmentation of a heavily concentrated banking market, incumbent banks must act quickly to stay relevant. As customers look...

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Future of Image Technology Solutions in Financial Services FUTURE OF IMAGE TECHNOLOGY SOLUTIONS IN FINANCIAL SERVICES

whitepaper

Nov 15, 2017

Images are all-pervasive and all-powerful. The human brain takes cognizance of a multitude of things happening in its surroundings, using the visual medium. The inability to perceive and process information available through images, has been a primar...

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Democratizing Cryptocurrency DEMOCRATIZING CRYPTOCURRENCY

whitepaper

Nov 15, 2017

Ethos aims to create a people-powered cryptocurrency services company to demystify blockchain technology and break down traditional barriers to entry by removing obstacles for consumers and businesses that have existed for decades. Ethos’s Miss...

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How Technology Will Shape the Bank of the Future HOW TECHNOLOGY WILL SHAPE THE BANK OF THE FUTURE

whitepaper

Nov 05, 2017

The banking industry is on the verge of a technology revolution. Security upgrades, data center modernization, and cloud computing deployments lead the list of technology implementations currently underway as banks move to develop the systems archite...

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Digital Disruption in the Insurance Industry DIGITAL DISRUPTION IN THE INSURANCE INDUSTRY

whitepaper

Nov 03, 2017

Digital disruption in the Insurance sector digital is seen as a means for not just upselling insurance to existing clients but to also to acquire new clients and for providing better and more enhanced customer service to existing customers. No middle...

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The Power of Dividends Past, Present, and Future THE POWER OF DIVIDENDS PAST, PRESENT, AND FUTURE

whitepaper

Oct 25, 2017

With this in mind, we need to wonder if all the talk about dividend-paying stocks is just a fad, or if there’s real merit to the dividend argument, particularly at this point in market history. In this white paper, we’ll take a historical...

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THE ROLE OF DIGITAL IDENTITY IN THE FUTURE OF BANKING THE ROLE OF DIGITAL IDENTITY IN THE FUTURE OF BANKING

whitepaper

Oct 25, 2017

If, as leading fintech authority Dave Birch of Consult Hyperion has famously asserted, “identity is the new money”, then it surely goes without saying that the future of banking is keeping identity safe? Just as banks have been the truste...

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PAYMENTS TRANSFORMATION: MODERNISING TO STAY RELEVANT IN THE DIGITAL AGE PAYMENTS TRANSFORMATION: MODERNISING TO STAY RELEVANT IN THE DIGITAL AGE

whitepaper

Oct 20, 2017

Banks are convinced that payments will be fundamental to their future businesses, and confirm that payments transformation is critical to their digital programmes – but they are less confident in the clarity of their digital and payments transf...

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Tomorrow’s AI-Enabled Banking TOMORROW’S AI-ENABLED BANKING

whitepaper

Oct 17, 2017

Banks that harness cognitive technology will gain the advantage of faster digitization and provide customers with cross-channel, targeted, on-time products and services. payments and wealth management), up to 40% of revenues, in addition to 20-60% of...

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THE ULTIMATE GUIDE TO DIGITAL BANKING TOOLS AND STRATEGIES THE ULTIMATE GUIDE TO DIGITAL BANKING TOOLS AND STRATEGIES

whitepaper

Oct 17, 2017

Banks are increasingly advised to adopt new approaches to their traditional workflow and redesign their organizations to meet the challenges of digital transformation. Flexibility and rapid response
to changes have never been more important fo...

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TOWARDS A GREEN FINANCE FRAMEWORK TOWARDS A GREEN FINANCE FRAMEWORK

whitepaper

Oct 10, 2017

European banks have a major role in the financing of the economy. Even as market-based financing gains a bigger share of the financing needs of companies in Europe, banks will continue to play an important role not only in terms of traditional lendin...

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Blockchain will transform the insurance industry value chain BLOCKCHAIN WILL TRANSFORM THE INSURANCE INDUSTRY VALUE CHAIN

whitepaper

Oct 08, 2017

In considering the various applications of blockchain technology, and its potential for business transformation, insurance companies face a number of major practical and technical challenges. When ground-breaking innovations such as blockchain are fi...

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Building the future of banking services BUILDING THE FUTURE OF BANKING SERVICES

whitepaper

Oct 05, 2017

There’s never been a more exciting time to be part of the financial services industry. Whether you’re a traditional player, a FinTech enterprise or a tech enabler, emerging technology and game-changing regulation is driving unique opportu...

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Blockchain: The key to Trade Finance challenges? BLOCKCHAIN: THE KEY TO TRADE FINANCE CHALLENGES?

whitepaper

Oct 05, 2017

What are the benefits of blockchain in trade finance? This question is being asked by bankers and businesses worldwide. In this article, we explore the problems and inefficiencies within the trade finance industry as well as the benefits and solution...

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How will branch banking evolve over the next five years? HOW WILL BRANCH BANKING EVOLVE OVER THE NEXT FIVE YEARS?

whitepaper

Sep 30, 2017

A proliferation of new technologies, demographic shifts and nontraditional banking entities are driving retail banks to transform. Consumer expectations are also playing a significant role in how banks are evolving their operations to meet diverse cu...

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DIGITAL TRANSFORMATION IN BANKING THE FUTURE OF BANKING DIGITAL TRANSFORMATION IN BANKING THE FUTURE OF BANKING

whitepaper

Sep 20, 2017

The banking industry is going through a phase of commoditization. In today’s scenario, differentiated and delightful customer experience has become more important than just providing financial services. To grab a bigger piece of the cake, the b...

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Redefine Banking with Artificial Intelligence REDEFINE BANKING WITH ARTIFICIAL INTELLIGENCE

whitepaper

Sep 19, 2017

Artificial intelligence (AI) is creating the single biggest technology revolution the world has ever seen. The technology which enables machines to simulate and augment human intelligence has finally come of age. Across all industries, it’s bei...

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Blockchains and the future of finance BLOCKCHAINS AND THE FUTURE OF FINANCE

whitepaper

Sep 12, 2017

What if everyone involved in a financial transaction could share the same ledger and it was always up to date? No need for reconciliations, with simultaneous settlements immediately available to all participants, and instant visibility into accounts ...

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The Advent of Crypto Banking THE ADVENT OF CRYPTO BANKING

whitepaper

Sep 08, 2017

The advent of the Information Age in the 1970s allowed humanity to progress into a world in which information could flow freely, unhindered by national borders, without the need for intermediaries such as post offices, libraries and universities. We ...

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Responsibility and ethical culture in banking and finance RESPONSIBILITY AND ETHICAL CULTURE IN BANKING AND FINANCE

whitepaper

Sep 06, 2017

Since the financial crisis of 2008-2009, banks across the world have been involved in several conduct-related scandals. All these cases - from mis-selling of financial products to violation of national and international regulations and manipulation o...

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BLOCKCHAIN, BANKING AND THE NEW NORMAL BLOCKCHAIN, BANKING AND THE NEW NORMAL

whitepaper

Sep 05, 2017

We now turn to the exciting possibilities that blockchain technology creates both in what might be termed the "traditional" financial services industry and in the fast-developing landscape of so-called "disruptors". As previously ...

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PROPELLING THE FINANCIAL SERVICES INDUSTRY: A NEW APPROACH TO DATA MANAGEMENT PROPELLING THE FINANCIAL SERVICES INDUSTRY: A NEW APPROACH TO DATA MANAGEMENT

whitepaper

Aug 30, 2017

The world of finance operates at a blistering pace on a global scale. Companies in that world sort and move tremendous volumes of data 24x7 in order to perform and reconcile transactions. A delay in their ability to access, act upon, and secure that ...

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Crowd Capital Raising CROWD CAPITAL RAISING

whitepaper

Aug 25, 2017

At UBS, we are conscious that monitoring, and in some cases creating trends in financial services is crucial to providing our clients the best possible products and services. And as we are always interested in ways to connect our clients and our clie...

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Digital Financial Services: Challenges and Opportunities for Emerging Market Banks DIGITAL FINANCIAL SERVICES: CHALLENGES AND OPPORTUNITIES FOR EMERGING MARKET BANKS

whitepaper

Aug 20, 2017

The digital transformation that has upended industries from retail and media to transport and business-to-business commerce are now sweeping the financial services industry. This was inevitable, as ubiquitous computing power, pervasive connectivity, ...

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2017 Global Payments Insight Survey: Retail Banking 2017 GLOBAL PAYMENTS INSIGHT SURVEY: RETAIL BANKING

whitepaper

Aug 15, 2017

Retail banking is a sector under pressure when it comes to delivering and profiting from payment services. Regulatory change, the sustained growth in scale of what were new entrants in the recent past, and rapid change in both consumer and merchant b...

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Smart Contracts in Financial Services:Getting from Hype to Reality SMART CONTRACTS IN FINANCIAL SERVICES:GETTING FROM HYPE TO REALITY

whitepaper

Aug 09, 2017

The potential of smart contracts programmable contracts that automatically execute when pre-defined conditions are met is the subject of much debate and discussion in the financial services industry. Smart contracts, enabled by blockchain or distribu...

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Will Open Banking really breathe new life into banking WILL OPEN BANKING REALLY BREATHE NEW LIFE INTO BANKING

whitepaper

Jul 25, 2017

Open banking is a revolutionary concept in financial services but not in the technology sector. Open APIs are the driving force behind the IoT (Internet of Things) and an essential feature of almost all successful online platforms - from Twitter and ...

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Digital Banking Manifesto:The End of Banks DIGITAL BANKING MANIFESTO:THE END OF BANKS

whitepaper

Jul 20, 2017

Banks are trying to be cool and hip and build super cool digital front ends. But it’s like putting lipstick on a pig - ultimately it’s still a pig and the new front end is still running into an awful digital back end. We are entering a ne...

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Simplifying the Banking Architecture SIMPLIFYING THE BANKING ARCHITECTURE

whitepaper

Jul 19, 2017

As customers increasingly demand convenient access to banking products and services, banking architectures need to provide the foundation for business applications across various functional areas. To develop a customer-centric banking platform, banks...

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Top 6 fundamental enablers of digital transformation for banks and financial firms TOP 6 FUNDAMENTAL ENABLERS OF DIGITAL TRANSFORMATION FOR BANKS AND FINANCIAL FIRMS

whitepaper

Jul 17, 2017

Today, customer experience lies at the heart of the business technology agenda, which means simplifying customer-facing processes to make digital interactions quick and delightful. With digitally native customers at the forefront of business technolo...

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What Makes Gen Y Stick with a Bank? WHAT MAKES GEN Y STICK WITH A BANK?

whitepaper

Jul 17, 2017

For banks, this is mixed news. While a large group of potential customers, Gen Y buyers are low on brand loyalty, have high expectations, and are more likely to switch banks if something better is offered elsewhere. According to responses from the 20...

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Trends in Retail Banking Channels: Opportunities in a Changing Landscape TRENDS IN RETAIL BANKING CHANNELS: OPPORTUNITIES IN A CHANGING LANDSCAPE

whitepaper

Jul 11, 2017

Retail banking is undergoing a period of rapid change. The adoption and usage of remote channels is growing while that of the traditional branch channel is declining. In fact, between 2012 and 2017, the percentage of customers who are expected to sto...

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Blockchain & Financial Services: The Fifth Horizon of Networked Innovation BLOCKCHAIN & FINANCIAL SERVICES: THE FIFTH HORIZON OF NETWORKED INNOVATION

whitepaper

Jul 10, 2017

How can you capitalize on the disruption that blockchain is introducing into the global financial system? What are the risks and opportunities that this new technology represents? What roles can each of government, academia and private industry play ...

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Can Blockchain Make Trade Finance More Inclusive? CAN BLOCKCHAIN MAKE TRADE FINANCE MORE INCLUSIVE?

whitepaper

Jul 10, 2017

There is little doubt that blockchain technology will change global trade. The question, however, is how it will impact some of the most intractable issues in trade finance. Last year, U.S.$15.5 trillion of merchandise exports were transported around...

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Blockchain: A Fundamental Shift for Financial Services Institutions BLOCKCHAIN: A FUNDAMENTAL SHIFT FOR FINANCIAL SERVICES INSTITUTIONS

whitepaper

Jul 05, 2017

Blockchain: A Fundamental Shift for Financial Services Institutions. In the last year, millions of users were added to the Bitcoin ecosystem and daily transactions tripled. More revolutionary than the rise of Bitcoin, however, is the blockchain techn...

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A macro approach to international bank resolution A MACRO APPROACH TO INTERNATIONAL BANK RESOLUTION

whitepaper

Jul 05, 2017

In the aftermath of the Great Financial Crisis, regulators have rushed to strengthen banking supervision and implement bank resolution regimes. While such resolution regimes are welcome as a means to reintroduce market discipline and reduce the relia...

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Aligning Expectations: The Business Case for Digital Financial Services ALIGNING EXPECTATIONS: THE BUSINESS CASE FOR DIGITAL FINANCIAL SERVICES

whitepaper

Jul 05, 2017

Financial institutions need to consider when putting together a financial model for a digital channel, including detailing the main items related to capital investments and operating expense of the channel. To understand how to reach self-sustainabil...

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Keeping the personal touch alive in online and mobile banking KEEPING THE PERSONAL TOUCH ALIVE IN ONLINE AND MOBILE BANKING

whitepaper

Jul 05, 2017

With smartphone and tablet ownership growing fast, banks are responding to customer demands and offering more communication channels to get things done. Beyond branches, cash machines and call centers, customers want immediate, direct control of thei...

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The Currency of Trust: Why Banks and Insurers Must Make Customer Data Safer and More Secure THE CURRENCY OF TRUST: WHY BANKS AND INSURERS MUST MAKE CUSTOMER DATA SAFER AND MORE SECURE

whitepaper

Jul 05, 2017

Are retail banks and insurers a safe pair of hands when it comes to customer data? Our global survey of more than 180 senior data privacy and security professionals as well as 7,600 consumers found that less than a third (29%) of these organizations ...

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Open Banking and the Future of Financial
Services OPEN BANKING AND THE FUTURE OF FINANCIAL SERVICES

whitepaper

Jul 04, 2017

Open Banking and the use of APIs is fundamental and not to be underestimated. Some banks have chosen to embrace concepts such as R&D and innovation incubation teams, unbundling monolithic IT systems into reusable service with the rising importanc...

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Digital Banking Manifesto:The End of Banks? DIGITAL BANKING MANIFESTO:THE END OF BANKS?

whitepaper

Jul 02, 2017

We are entering a new era of innovation that will reshape consumers’ relationships with their banks. In order to understand how banking will evolve in the digital age, it is important to understand its basic premise. While reasonable people can...

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Financial Stability Implications from FinTech FINANCIAL STABILITY IMPLICATIONS FROM FINTECH

whitepaper

Jun 27, 2017

Technology-enabled innovation in financial services (FinTech) is developing rapidly. With its emergence, there will be both opportunities and risks to financial stability that policymakers, regulators, supervisors and overseers should consider. This ...

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Reasons to Consider Dividend-Paying Stocks REASONS TO CONSIDER DIVIDEND-PAYING STOCKS

whitepaper

Jun 20, 2017

Dividends and the companies that pay them are regaining the attention of advisors and investors alike due to their ability to provide a predictable source of steady income, buffer market volatility and offer the potential for capital appreciation. As...

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Cyber Security for Financial Services CYBER SECURITY FOR FINANCIAL SERVICES

whitepaper

Jun 15, 2017

The financial services industry has a long history of providing exceptional value and deep confidence in a world of risk. Today, the intense competitiveness of financial services demands a constant search for cost-effective ways to improve performanc...

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DIGITAL BANKING THE OMNI-CHANNEL FRAUD & SECURITY DIGITAL BANKING THE OMNI-CHANNEL FRAUD & SECURITY

whitepaper

Jun 05, 2017

Leading banks and retailers offer their customers multiple ways to settle a bill or complete a transaction. These “channels” include in-person, on a mobile device, online via a desktop computer, and over the phone to a call centre. The op...

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FINTECH, GREEN FINANCE AND DEVELOPING COUNTRIES FINTECH, GREEN FINANCE AND DEVELOPING COUNTRIES

whitepaper

Jun 05, 2017

Green finance is a strategy for financial sector and broader sustainable development that is relevant around the world. But the context differs considerably for different countries. Developing countries, notably those with underdeveloped financial sy...

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THE NEXT BIG WAVE: HOW FINANCIAL INSTITUTIONS CAN STAY AHEAD OF THE AI REVOLUTION THE NEXT BIG WAVE: HOW FINANCIAL INSTITUTIONS CAN STAY AHEAD OF THE AI REVOLUTION

whitepaper

Jun 04, 2017

There is no doubt that AI represents the next wave of computing and will 05 unleash major change in all industries, bringing benefits in all aspects of our lives. For financial institutions, AI represents an opportunity to radically improve efficienc...

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How AI Is Transforming Financial Services HOW AI IS TRANSFORMING FINANCIAL SERVICES

whitepaper

Jun 02, 2017

The 21st century has seen accelerating growth in digitized financial services in the Japanese financial industry, with Internet transactions being the most prominent. Driven by the explosive popularization of the Internet and the trend towards financ...

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THE GUIDE TO CREATING SECURE, PERSONALIZED MOBILE BANKING EXPERIENCES THE GUIDE TO CREATING SECURE, PERSONALIZED MOBILE BANKING EXPERIENCES

whitepaper

May 09, 2017

The experience of waiting in line at the local bank branch for everyday transactions is a distant memory or a completely unknown experience for most of today’s customers. Steady growth in the use of mobile banking in recent years has resulted i...

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Improving U.S. Insurance Regulation IMPROVING U.S. INSURANCE REGULATION

whitepaper

Apr 10, 2017

The business of insurance is a foundational building block of the U.S. economy. As part of the country’s financial history, the regulation of the business of insurance is grounded in a globally unique, state-based regulatory system, which has e...

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How blockchain technology could change our lives HOW BLOCKCHAIN TECHNOLOGY COULD CHANGE OUR LIVES

whitepaper

Apr 03, 2017

There are many different ways of using blockchains to create new currencies. Hundreds of such currencies have been created with different features and aims. The way blockchain-based currency transactions create fast, cheap and secure public records m...

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Accountability & International Financial Institutions ACCOUNTABILITY & INTERNATIONAL FINANCIAL INSTITUTIONS

whitepaper

Mar 21, 2017

This report presents findings from a study of the Office of the Compliance Advisor Ombudsman (CAO), an accountability mechanism the World Bank Group (World Bank) created to ensure that it finances development projects that are sustainable and benefit...

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AUTOMATION, ROBOTICS & AI FOR YOUR FINANCIAL DATA MANAGEMENT STRATEGY AUTOMATION, ROBOTICS & AI FOR YOUR FINANCIAL DATA MANAGEMENT STRATEGY

whitepaper

Mar 21, 2017

Listen to dozens of senior level executives from the world’s largest and most innovative financial institutions, including banks, brokers, asset managers and hedge funds presenting case studies and sharing their strategies on automation, roboti...

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The Digital Banking Imperative THE DIGITAL BANKING IMPERATIVE

whitepaper

Mar 21, 2017

In the age of the customer, banks will either reinvent themselves or be forgotten reduced to what one executive calls “dumb money pipes.” Digital business leaders will need to make tough choices and take bold actions over the next five to...

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The Global Financial Centres Index 21 THE GLOBAL FINANCIAL CENTRES INDEX 21

whitepaper

Mar 15, 2017

The number of financial centares in the main index has increased to 88 with the addition of Guangzhou from the associate centares list. 106 financial centares were researched for this edition of the Global Financial Centres Index (GFCI).

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State of Digital Sales in Banking STATE OF DIGITAL SALES IN BANKING

whitepaper

Mar 09, 2017

Are banks ready to capitalize on the opportunity of acquiring customers over digital and mobile channels? Avoka’s second annual “State of Digital Sales in Banking” study measured the digital. account opening capabilities of the 32 l...

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Environmental risk analysis by financial institutions ENVIRONMENTAL RISK ANALYSIS BY FINANCIAL INSTITUTIONS

whitepaper

Mar 05, 2017

Financial institutions have been addressing environmental sources of risk for many years. There is a growing recognition, however, that traditional approaches to incorporating environmental factors into risk management systems are insufficient in the...

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Blockchain’s Benefits for Insurers BLOCKCHAIN’S BENEFITS FOR INSURERS

whitepaper

Feb 21, 2017

Bitcoin has changed the money transfer process, but it’s likely that the technology behind the currency, blockchain, will have the greater impact. Blockchain is basically a data structure that enables the creation of a digital ledger of transac...

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Digital transformation in financial services: Are you a leader or a laggard? DIGITAL TRANSFORMATION IN FINANCIAL SERVICES: ARE YOU A LEADER OR A LAGGARD?

whitepaper

Feb 15, 2017

In financial services, digital transformation is fast becoming the difference between the luminaries and those left behind. This news probably sounds familiar to executives many banks have a digital strategy but decision-makers may not realize the hi...

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What is a Blockchain? WHAT IS A BLOCKCHAIN?

whitepaper

Feb 08, 2017

Blockchain is shared, trusted, public ledger of transactions, that everyone can inspect but which no single user controls. It is a cryptographed, secure, tamper resistant distributed database. It solves a complex mathematical problem to exist. A bloc...

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BLOCKCHAIN AND FINANCIAL SERVICES INDUSTRY SNAPSHOT AND POSSIBLE FUTURE DEVELOPMENTS BLOCKCHAIN AND FINANCIAL SERVICES INDUSTRY SNAPSHOT AND POSSIBLE FUTURE DEVELOPMENTS

whitepaper

Feb 03, 2017

Seven years after the blockchain was introduced, there is a shift in focus occurring in the discussion around the applications for the technology. Previously, the discussion has focused largely on the Bitcoin an early application of the technology in...

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The value of digital identity to the financial service secto THE VALUE OF DIGITAL IDENTITY TO THE FINANCIAL SERVICE SECTO

whitepaper

Jan 15, 2017

The digitisation of banking is potentially one of the biggest single changes to the banking sector in recent memory. The sector has long since digitised the holding of money. Yet for many years this operated in the background. The advent of the inter...

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Digital Banking Leadership: Measures That Matter DIGITAL BANKING LEADERSHIP: MEASURES THAT MATTER

whitepaper

Jan 02, 2017

More than four in 10 FIs planned to improve the utilization of their online and mobile banking platforms in 2016. In addition, roughly one in five expected to implement a new or replacement platform in 2016. Across the board of digital channel techno...

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Blockchain in financial services: Regulatory landscape and future challenges for its commercial application BLOCKCHAIN IN FINANCIAL SERVICES: REGULATORY LANDSCAPE AND FUTURE CHALLENGES FOR ITS COMMERCIAL APPLICATION

whitepaper

Dec 13, 2016

Blockchain technologies have being heralded as the next big disruption in financial services. Potential uses may indeed bring huge benefits to the industry and give birth to a whole new generation of services. However, a lot of legal uncertainties wh...

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State-Level Corporate Tax Changes STATE-LEVEL CORPORATE TAX CHANGES

whitepaper

Dec 02, 2016

See what tax changes are in store for 2015 and beyond.

The federal government may be slow moving on corporate tax reform, but states are taking matters into their own hands. Across the country, states are rushing to create more favorab...

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Banking Digitalization Revolution A way forward BANKING DIGITALIZATION REVOLUTION A WAY FORWARD

whitepaper

Nov 15, 2016

The primary steps on the digital banking journey have been largely focused on adding to the existing offering using new, technology-enabled services to increase the accessibility and value for customers. The most noticeable examples are mobile apps, ...

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How Financial Chatbots Are Transforming Digital Banking HOW FINANCIAL CHATBOTS ARE TRANSFORMING DIGITAL BANKING

whitepaper

Nov 05, 2016

Banking is one of the industries most at risk of major disruption in the next three years.1 At the heart of this disruption are innovative financial technologies, the implementation of which is rapidly transforming the digital banking landscape. As t...

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HOW BANKS CAN CREATE VALUE FROM THE RISE OF THE OPEN API ECONOMY IN FINANCIAL SERVICES HOW BANKS CAN CREATE VALUE FROM THE RISE OF THE OPEN API ECONOMY IN FINANCIAL SERVICES

whitepaper

Oct 20, 2016

A new dawn for the financial industry is fast approaching with the advent of the open API economy. Bank regulators and politicians are looking to drive a better deal for customers by generating more competition, innovation, customer information shari...

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The Changing Landscape of Digital Banking THE CHANGING LANDSCAPE OF DIGITAL BANKING

whitepaper

Oct 07, 2016

Digital banking affords financial institutions unprecedented opportunities to strengthen customer reach and loyalty by providing them the most relevant, up-to-date banking experience available. This white paper on digital banking trends; elements nee...

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The future of the financial workplace THE FUTURE OF THE FINANCIAL WORKPLACE

whitepaper

Oct 05, 2016

Banking is now a politicised industry, with public bailouts and bad press giving politicians the impetus to push through regulation at a speed which makes it difficult to reflect on its impact. The banks we spoke to all highlighted regulation and com...

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Fintech revolution in banking: Leading the way to digital FINTECH REVOLUTION IN BANKING: LEADING THE WAY TO DIGITAL

whitepaper

Sep 20, 2016

Fintechs are mostly start-up technology and financial expertise firms, a vessel of financial technology that can be described as an emerging financial service sector of the 21st century. The term originally applied to technology correlated with the b...

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Mid-Sized Businesses Rethink Insurance and Risk MID-SIZED BUSINESSES RETHINK INSURANCE AND RISK

whitepaper

Sep 13, 2016

Managing Risk and Building Wealth With a Self-Directed Insurance Subsidiary

U.S. insurance costs are skyrocketing. Business risks are multiplying. As a result, mid-sized businesses need to find alternatives to traditional commercial in...

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Transaction Banking Cybersecurity TRANSACTION BANKING CYBERSECURITY

whitepaper

Aug 20, 2016

We are in a digital age, but consideration of the impact of digitalisation is lagging in some areas. This is contributing to a worldwide economic and security problem. What is this threat that is costing the US alone one third of its GDP Once, cybers...

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Edward Jones Guided Solutions® Flex Account Brochure as of August 20, 2016 EDWARD JONES GUIDED SOLUTIONS® FLEX ACCOUNT BROCHURE AS OF AUGUST 20, 2016

whitepaper

Aug 20, 2016

Edward Jones is a registered broker-dealer and investment adviser. As an investment adviser, Edward Jones offers several advisory programs. This program brochure (“Brochure”) provides clients (“client,” “you” or “your”) with information about Edward ...

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CURRENT TRENDS AND OUTLOOK FOR THE ACCOUNTING AND FINANCE LANDSCAPE CURRENT TRENDS AND OUTLOOK FOR THE ACCOUNTING AND FINANCE LANDSCAPE

whitepaper

Aug 20, 2016

With optimism continuing to grow from the past several years of economic recovery, the accounting and finance profession has found itself in a state of flux. Current trends carry broad implications for business practices and staffing dynamics, and th...

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How Banking as a Service Will Keep Banks Digitally Relevant and Growing HOW BANKING AS A SERVICE WILL KEEP BANKS DIGITALLY RELEVANT AND GROWING

whitepaper

Jul 11, 2016

Although banks have traditionally been considered pioneers of process automation, they now find themselves in the background of today’s consumer-led, digitized financial services landscape.Insurgent financial technology competitors (fintechs) a...

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The rise of digital in financial services. THE RISE OF DIGITAL IN FINANCIAL SERVICES.

whitepaper

Jul 11, 2016

The retail segment of the global financial services industry shares many attributes and issues with other businesses that sell products and services direct to consumers. Banks, investment firms and insurance companies have seen their businesses under...

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Extracting value for corporate banks from blockchain EXTRACTING VALUE FOR CORPORATE BANKS FROM BLOCKCHAIN

whitepaper

Jul 05, 2016

Financial institutions’ (FIs) profits are under pressure. Interest rates are low and new competitors are squeezing margins. To survive FIs much find more efficient methods to manage and maintain their infrastructure. Blockchain is a major techn...

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Experience-Driven Banking Cloud EXPERIENCE-DRIVEN BANKING CLOUD

whitepaper

Jul 03, 2016

Cloud-based technologies are spreading rapidly through the business world: research firm IDC expects the cloud software market to be worth more than $100 billion by 2018, implying compound annual growth of more than 21 per cent, roughly five times fa...

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Base Erosion & Profit Shifting (BEPS): Exploring why captive insurance companies are legitimate risk management solutions adding value to their owners BASE EROSION & PROFIT SHIFTING (BEPS): EXPLORING WHY CAPTIVE INSURANCE COMPANIES ARE LEGITIMATE RISK MANAGEMENT SOLUTIONS ADDING VALUE TO THEIR OWNERS

whitepaper

Jul 01, 2016

In the Organisation for Economic Co-Operation and Development’s (OECD) Action Plan, BEPS is defined as follows: “BEPS relates to arrangements that achieve no or low taxation by shifting profits away from the jurisdictions where the activities creatin...

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TRANSFORMING FINANCE TRANSFORMING FINANCE

whitepaper

Jun 15, 2016

The finance department sits at the information nexus of the organization. It regularly collects financial and non-financial data from every business unit and consolidates that information into summary and detailed management reports. Finance can ther...

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Understanding My Statement UNDERSTANDING MY STATEMENT

whitepaper

May 31, 2016

Every financial services provider is required to send you an account statement. But at Edward Jones, we want to do much more than simply what’s required. We view your statement as an essential source of information for your decision making. The easie...

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AUTHORIZATION TO ACCESS TIAA ACCOUNTS AUTHORIZATION TO ACCESS TIAA ACCOUNTS

whitepaper

May 21, 2016

Once we have received a properly completed form, we require up to seven (7) business days to review andprocess before the authorization will be active in our system. Once processed, we will then send you and theparty you’ve authorized a statement con...

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Overcoming Obstacles to Banking Virtual Currency Businesses OVERCOMING OBSTACLES TO BANKING VIRTUAL CURRENCY BUSINESSES

whitepaper

May 10, 2016

Virtual currency businesses (“VCBs”) offer an alternative payment rail to traditional banks and financial institutions. In order to operate, though, VCBs themselves rely on banks to conduct fundamental payment, savings, foreign exchange a...

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Digital Finance Transforming Finance for the Digital Economy DIGITAL FINANCE TRANSFORMING FINANCE FOR THE DIGITAL ECONOMY

whitepaper

May 03, 2016

Decades of finance processes designed for the batch world have tied the hands for finance professionals. Now, it’s about running in real time and understanding the impact of decisions before they are made. It’s time to reim...

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Your Happy Family Policy Pack YOUR HAPPY FAMILY POLICY PACK

whitepaper

Apr 25, 2016

The Master Policyholder has also furnished to the Insurer statements containing the age and other details of each Member which have been completed and signed by the Master Policyholder on behalf of the Members for whose benefit the Plan hereunder is ...

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Cloud Solutions for Financial Services CLOUD SOLUTIONS FOR FINANCIAL SERVICES

whitepaper

Apr 20, 2016

A global banking organization approached us to get help on a banking services Web application aimed at competing with local banks. They wanted to be able to quickly add features and iterate on this application, while still providing a stable, secure ...

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THE POTENTIAL IMPACT OF BREXIT ON
EUROPEAN CAPITAL MARKETS THE POTENTIAL IMPACT OF BREXIT ON EUROPEAN CAPITAL MARKETS

whitepaper

Apr 06, 2016

New Financial believes that Europe needs bigger and better capital markets to help drive its recovery and growth. One of the clear messages that emerges from this report is that the current efforts across the EU to encourage the development of capita...

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2 Global Regulators and Digital Financial Inclusion 2 GLOBAL REGULATORS AND DIGITAL FINANCIAL INCLUSION

whitepaper

Apr 01, 2016

An evolving landscape in need of close attention The digitization of financial services is increasingly regarded as a decisive factor in the promotion of financial inclusion. The risks and rewards of this development, as well as its implications for ...

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STATEMENT OFFINANCIAL CONDITION. STATEMENT OFFINANCIAL CONDITION.

whitepaper

Mar 31, 2016

The Company is a securities broker-dealer that provides trade execution and clearing services on a fully disclosed basis to TD Ameritrade, Inc. and TD Ameritrade Asia Pte. Ltd. ("TDA Asia"), indirect wholly owned subsidiaries of the Parent. The Compa...

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How Banks Can Reimagine Business HOW BANKS CAN REIMAGINE BUSINESS

whitepaper

Mar 25, 2016

The digital trend is exacerbated in the millennial customer market, which perceives physical banks to be largely superfluous. A three-year study commissioned by Viacom Media Networks* found that the banking industry is at the highest risk of disrupti...

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Make your campaigns smarter Maximize your turnover and use banks as your sales channel. MAKE YOUR CAMPAIGNS SMARTER MAXIMIZE YOUR TURNOVER AND USE BANKS AS YOUR SALES CHANNEL.

whitepaper

Mar 12, 2016

Use banks as your sales channel and target bank customers with personalized offers Make a difference for your customers by leveraging newest technologies like QR-codes, iBeacons and smartphone App. No worries, we already did all the research and deve...

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RISK MANAGEMENT RISK MANAGEMENT

whitepaper

Mar 01, 2016

A disciplined approach to risk is important in a diversified organization like ours in order to ensure that we are executing according to our strategic objectives and that we only accept risk for which we are adequately compensated. We evaluate risk ...

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Investing in EM local currency debt markets INVESTING IN EM LOCAL CURRENCY DEBT MARKETS

whitepaper

Mar 01, 2016

Emerging Market (EM) local market debt offers a distinct and growing investment opportunity within the wider EM asset class, representing a $10 trillion universe of securities and about two-thirds of EM debt trading volume.

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Digital transformation The challenges and opportunities facing banks DIGITAL TRANSFORMATION THE CHALLENGES AND OPPORTUNITIES FACING BANKS

whitepaper

Feb 25, 2016

In recent years, Oracle has been observing and has been involved in the digital transformation initiatives that are taking place in the financial services sector and has seen some effective strategies being implemented by banks. However, there are st...

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Convenience and Ease-of-Use: The Winning Formula for Banks in the Middle East CONVENIENCE AND EASE-OF-USE: THE WINNING FORMULA FOR BANKS IN THE MIDDLE EAST

whitepaper

Feb 17, 2016

For banks and financial services companies in the Middle East, meeting customer expectations and building trust is necessary to remain competitive. As the Middle East becomes one of the world’s fastest growing markets in the banking and capital...

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Banking Disintermediation: The Personalisation Imperative BANKING DISINTERMEDIATION: THE PERSONALISATION IMPERATIVE

whitepaper

Feb 15, 2016

The banking industry is facing a radical transformation. The emergence of digital and mobile as dominant delivery channels has given rise to challenger banks and alternative financial services institutions (AltFIs), expanding consumer choice and broa...

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5 Accounting Controls for QuickBooks 5 ACCOUNTING CONTROLS FOR QUICKBOOKS

whitepaper

Feb 11, 2016

5 powerful techniques for minimizing the problems that crop up when you’ve got people with varying levels of skill working with your QuickBooks data.

This guide is based on QuickBooks 2014 All-in-One For Dummies.

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How Ready are European Banks for a Digital World HOW READY ARE EUROPEAN BANKS FOR A DIGITAL WORLD

whitepaper

Feb 09, 2016

It’s not difficult to imagine what a bank customer will want 5 or 10 years from now consumers and business will still have the same fundamental needs they do now, education, medical services, home ownership, tax payments, retirement, payroll, i...

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Positioning Asset Managers to Capitalize on the Opportunities Created by the DOL Fiduciary Rule POSITIONING ASSET MANAGERS TO CAPITALIZE ON THE OPPORTUNITIES CREATED BY THE DOL FIDUCIARY RULE

whitepaper

Feb 01, 2016

This whitepaper is DST kasina’s initial take on select aspects of the proposed DOL Fiduciary Rule and its impact on asset management firms. We highlight the implications of selected aspects of the rule to help business executives think about, and...

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Understanding How We Are Compensated for Financial Services UNDERSTANDING HOW WE ARE COMPENSATED FOR FINANCIAL SERVICES

whitepaper

Feb 01, 2016

At Edward Jones, our approach to financial services is different. By living and working in your community, our financial advisors can meet with you personally to discuss investment strategies to help achieve your goals. It is important that you under...

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Five Keys to Analyzing Potential Bank or Branch Acquisitions FIVE KEYS TO ANALYZING POTENTIAL BANK OR BRANCH ACQUISITIONS

whitepaper

Jan 30, 2016

In recent years, the acquisition has become an important trend in the banking industry. Since 2007, the FDIC reports there has been a 14 percent decline in the number of bank organizations and assets continue to concentrate into banks that have total...

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The Future of Retail Financial Services THE FUTURE OF RETAIL FINANCIAL SERVICES

whitepaper

Jan 25, 2016

A customer revolution is underway, overthrowing established business models and fueling disruption. Financial services organizations must change how they operate to ensure they emerge on the winning side. Banks and insurance companies that cannot kee...

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Workplace Solutions WORKPLACE SOLUTIONS

whitepaper

Jan 15, 2016

These include consumer banking services, consumer loans, mortgages ... Stay free and clear of a monthly Service Charge on your checking account. Complimentary Online Statements

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Visa® Debit Card Account. VISA® DEBIT CARD ACCOUNT.

whitepaper

Jan 01, 2016

Edward Jones (“EJ”) has arranged with BNY Mellon Investment Servicing Trust Company (“BNY Mellon”) for Bank (defined below) to issue Visa® cards (“Cards”) to EJ clients. When you use your Cards, you will be accessing the Available Balance in your ...

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Reinsurance Market Outlook REINSURANCE MARKET OUTLOOK

whitepaper

Jan 01, 2016

The value proposition of reinsurance improved further and insurance companies continued to incorporate reinsurance capital with modestly better pricing, terms and conditions into their underwriting capital structures at January 1, 2016

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GLOBAL INSURANCE CAPITAL STANDARDS Origin, Perspectives and Impact on U.S. Markets GLOBAL INSURANCE CAPITAL STANDARDS ORIGIN, PERSPECTIVES AND IMPACT ON U.S. MARKETS

whitepaper

Dec 01, 2015

The United States insurance regulatory system has been in existence for more than 150 years. According to the National Association of Insurance Commissioners (NAIC), the U.S. regulatory mission is “to protect the interests of the policyholder and tho...

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AIG Annual, International and Domestic Travel Insurance AIG ANNUAL, INTERNATIONAL AND DOMESTIC TRAVEL INSURANCE

whitepaper

Nov 01, 2015

The PDS is designed to assist You in Your decision to purchase AIG Annual, International and Domestic Travel Insurance. It contains information about key benefits and significant features of AIG Leisure Travel Insurance.

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Seizing Opportunity in the New Age of Financial Services SEIZING OPPORTUNITY IN THE NEW AGE OF FINANCIAL SERVICES

whitepaper

Oct 25, 2015

Digital transformation is reshaping every country, city, industry, and organization. Connecting people, process, data, and things with innovative digital and Internet of Things (IoT) technologies creates abundant opportunities for organizations to in...

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Transformation Underway... But Nobody Cares TRANSFORMATION UNDERWAY... BUT NOBODY CARES

whitepaper

Oct 05, 2015

Trian’s White Papers most often highlight a company’s underperformance, recommended operating and strategic initiatives, and the value that we believe can be created by successfully executing those initiatives. Occasionally, we identify a company whe...

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Capital Market Assumptions CAPITAL MARKET ASSUMPTIONS

whitepaper

Sep 30, 2015

Hedge funds are both a feted and much maligned part of the investment landscape. They attract investors seeking the holy grail of high risk-adjusted returns that are uncorrelated with equity markets.

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Digital Payments Strategy for U.S. Retail Banks DIGITAL PAYMENTS STRATEGY FOR U.S. RETAIL BANKS

whitepaper

Sep 20, 2015

Digitization is transforming banking products and services that have remained unchanged for several decades. It can be argued that no other service has been impacted as much by this phenomenon as payments, a traditional stronghold for retail banks. B...

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ePayments Rising: The 2014 Market Report on B2B Payments EPAYMENTS RISING: THE 2014 MARKET REPORT ON B2B PAYMENTS

whitepaper

Sep 04, 2015

This independent report presents a comprehensive, industry-wide view into what is happening in the world of B2B payments, and provides key insights and recommendations for finance and AP leaders.

More enterprises today are targeting th...

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Banking in a Snap: Mobile Image Capture Can Transform Financial Services BANKING IN A SNAP: MOBILE IMAGE CAPTURE CAN TRANSFORM FINANCIAL SERVICES

whitepaper

Aug 20, 2015

With financial services competition growing fiercer and institutions struggling to maintain share against a rising tide of non-traditional providers, financial institutions seek ways to deepen consumer engagement. In our digital world, consumer-gener...

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The world of DC in 2015: DC investment focus THE WORLD OF DC IN 2015: DC INVESTMENT FOCUS

whitepaper

Jul 16, 2015

DC is now the dominant global retirement savings mechanism – estimated global assets $10+ trillion Increasing global focus on retirement adequacy through greater coverage; higher contributions; improved security and monitoring better member outcomes...

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Blockchain Technology: The Ultimate Disruption in the Financial System BLOCKCHAIN TECHNOLOGY: THE ULTIMATE DISRUPTION IN THE FINANCIAL SYSTEM

whitepaper

Jul 10, 2015

Blockchain is a peer-to-peer public ledger maintained by a distributed network of computers that requires no central authority or third party intermediaries. It consists of three key components: a transaction, a transaction record and a system that v...

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QUARTERLY STATEMENT OF THE TEACHERS INSURANCE and ANNUITY ASSOCIATION of AMERICA QUARTERLY STATEMENT OF THE TEACHERS INSURANCE AND ANNUITY ASSOCIATION OF AMERICA

whitepaper

Jun 30, 2015

Emerging Markets Equity Fund, Enhanced International Equity Index Fund, Enhanced Large-Cap Growth Index Fund, Enhanced Large-Cap Value Index Fund, Global Natural Resources Fund, Growth & Income Fund, International Equity Fund, International Opportuni...

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Power Women in FinTech Index: Bridging the Gender Gap POWER WOMEN IN FINTECH INDEX: BRIDGING THE GENDER GAP

whitepaper

Jun 25, 2015

FinTech is not only considered to be a disruptive force to the banking status quo, it is also viewed as an “equalizing” medium which has the potential to introduce financial services to the estimated 2.5 billion people across the globe wi...

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Accounting Principles - Developing Your Finance Skills ACCOUNTING PRINCIPLES - DEVELOPING YOUR FINANCE SKILLS

whitepaper

May 14, 2015

This free eBook explains all of the basic accounting concepts and terminology you will need to understand the three primary financial statements that appear in every organization’s reports.

You will learn:

The prec...

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Cash Flow Analysis - Developing Your Finance Skills CASH FLOW ANALYSIS - DEVELOPING YOUR FINANCE SKILLS

whitepaper

May 14, 2015

This free eBook will help you to understand how cash flows are generated and what factors affect them.

This skill is an integral part of making financial decisions that increase a firm’s economic value or the capabilities of a no...

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SASOL GROUP’S SUBMISSION IN RESPECT OF CARBON TAX SASOL GROUP’S SUBMISSION IN RESPECT OF CARBON TAX

whitepaper

May 12, 2015

Forward-looking statements: Sasol may, in this document, make certain statements that are not historical facts and relate to analyses and other information which are based on forecasts of future results and estimates of amounts not yet determinable. ...

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BUSINESS & SOLUTIONS UPDATE BUSINESS & SOLUTIONS UPDATE

whitepaper

May 01, 2015

The significant shift in wealth between generations is projected to continue for the next 30 years.* Trillions of dollars will likely change hands, from the older generation to the next. At the same time, fewer than half of advisors currently offer e...

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Digital Transformation in European Private Banking DIGITAL TRANSFORMATION IN EUROPEAN PRIVATE BANKING

whitepaper

Apr 25, 2015

European private banks are battling reduced profits and the unraveling of bank-client confidentiality, which has long been the backbone of offshore private banking. Several factors including a wave of regulations following the global financial crisis...

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Bank Sweep Product Terms and Conditions BANK SWEEP PRODUCT TERMS AND CONDITIONS

whitepaper

Apr 19, 2015

Operation of the Bank Sweep Product. The Bank Sweep Product is operated by TCBS through Pershing. Under the Bank Sweep Product, eligible cash balances in your Brokerage Account are automatically swept into interest bearing deposit accounts at the Ban...

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Pensions Workshop Budget pension reforms & business opportunities PENSIONS WORKSHOP BUDGET PENSION REFORMS & BUSINESS OPPORTUNITIES

whitepaper

Mar 17, 2015

We provide qualifications and professional development across accountancy, finance and business and have offices in Beijing, Brussels, Dubai, Hong Kong, Kuala Lumpur and Singapore. Our Chartered Accountancy qualification, the ACA, is one of the ...

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7 Steps to Drastically Reduce Credit Card Processing Rates and Fees for Your Business 7 STEPS TO DRASTICALLY REDUCE CREDIT CARD PROCESSING RATES AND FEES FOR YOUR BUSINESS

whitepaper

Mar 02, 2015

Every merchant experiences some challenges when looking for credit card processing services. Have you already been turned down by a few credit card processors? Did they tell you that you're deemed as a “high-risk merchant?” While your...

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Big Data in Financial Services and Banking BIG DATA IN FINANCIAL SERVICES AND BANKING

whitepaper

Feb 17, 2015

The ability to access, analyze, and manage vast volumes of data while rapidly evolving the Information Architecture has long been critical to financial services companies as they improve business efficiency and their performance. Recently, bank profi...

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Attestations – Let’s get accountable ATTESTATIONS – LET’S GET ACCOUNTABLE

whitepaper

Feb 11, 2015

The FCA has 3 overarching objectives in its scope, to secure an appropriate degree of, protection for consumers, to protect and enhance the integrity, of the UK financial system; and, to promote effective competition in the interests of consumers.

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2015 Responsible Banking Report 2015 RESPONSIBLE BANKING REPORT

whitepaper

Jan 01, 2015

This is BBVA Compass’ eighth annual corporate responsibility report. It reflects the organization’s commitment to social, environmental and governance performance during calendar year 2015

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BBVA S.A. and Compass Bank U.S. Resolution Plan BBVA S.A. AND COMPASS BANK U.S. RESOLUTION PLAN

whitepaper

Dec 31, 2014

Banco Bilbao Vizcaya Argentaria, S.A. (“BBVA SA”1) is a foreign bank holding company with operations in the United States (“U.S.”) and more than $50 billion in total U.S. consolidated assets as of December 31, 2014.

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Capital Market Assumptions CAPITAL MARKET ASSUMPTIONS

whitepaper

Dec 31, 2014

In our quarterly Capital Market Assumptions we publish returns and volatilities for a variety of asset classes. These assumptions lie at the heart of much of the advice that we give to our clients. For example, as well as helping inform our investmen...

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Client Assets: new firms, new rules CLIENT ASSETS: NEW FIRMS, NEW RULES

whitepaper

Dec 01, 2014

Written TTCA agreement.1 for new clients and documented evidence of agreeing protection status (including firm’s response), DvP commercial settlement window1 close the latest on BD3 and documented clients agreements in place on firm’s use...

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How to Save Money and Grow Your Business With an SBA 504 Loan HOW TO SAVE MONEY AND GROW YOUR BUSINESS WITH AN SBA 504 LOAN

whitepaper

Nov 12, 2014

The Small Business Administration (SBA) offers many loan programs to new and existing businesses. One of their unique loan programs is the 504 loan, a powerful economic development loan program that offers small businesses another avenue for business...

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Fossil fuel divestment: a $5 trillion challenge FOSSIL FUEL DIVESTMENT: A $5 TRILLION CHALLENGE

whitepaper

Aug 25, 2014

Oil & gas and coal companies form one of the world’s largest asset classes, worth nearly $5trn at current stock market values. In the past two years, dozens of public and private institutions have announced plans to divest fossil fuels from their por...

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A Commercial Card Perspective for the Public Sector. A COMMERCIAL CARD PERSPECTIVE FOR THE PUBLIC SECTOR.

whitepaper

Aug 21, 2014

“State and local government fiscal conditions have improved dramatically, but not as much as the overall economy. Sub national government contributions to GDP growth were essentially flat in 2013… The recovery has continued into 2014, particularly in...

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Insurance The Magnificent Seven; Initiating on European Insurers INSURANCE THE MAGNIFICENT SEVEN; INITIATING ON EUROPEAN INSURERS

whitepaper

Aug 06, 2014

Balance sheets are all but repaired, with tighter operational management and cash flow controls leading to possible structural increases in dividends and ability to invest in growth. We stress test for deflation and falling yields to calculate likely...

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Self-directed brokerage accounts SELF-DIRECTED BROKERAGE ACCOUNTS

whitepaper

Aug 01, 2014

Expanding the core investment menu so that it contains options that can accommodate the full spectrum of investors may not always be the best solution. Studies in behavioral economics have indicated that too many plan menu choices may have a negative...

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Section 408(b)(2) Disclosure Summary SECTION 408(B)(2) DISCLOSURE SUMMARY

whitepaper

Jul 01, 2014

Under recent U.S. Department of Labor (DOL), section 408(b)(2), regulatory ... Please note that future updates to this disclosure will generally be provided to you

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AIG RESOLUTION PLAN – PUBLIC SECTION AIG RESOLUTION PLAN – PUBLIC SECTION

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Jul 01, 2014

AIG is a leading global insurance company that principally offers traditional insurance products and services that help businesses and individuals in over 130 countries and jurisdictions protect their assets, manage risks and provide for retirement s...

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General Electric Capital Corporation Resolution Plan Public Section July 1, 2014. GENERAL ELECTRIC CAPITAL CORPORATION RESOLUTION PLAN PUBLIC SECTION JULY 1, 2014.

whitepaper

Jul 01, 2014

General Electric Capital Corporation (GE Capital or GECC) was incorporated in 1943 in the State of New York under the provisions of the New York Banking Law relating to investment companies, as successor to General Electric Contracts Corporation, whi...

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A NEW ERA FOR SASOL Annual financial statements A NEW ERA FOR SASOL ANNUAL FINANCIAL STATEMENTS

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Jun 30, 2014

The annual financial statements have been audited in compliance with s30 of the South African Companies Act and Paul Victor CA(SA), Acting Chief Financial Officer is responsible for this set of financial statements and has supervised the preparation ...

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A NEW ERA FOR SASOL A NEW ERA FOR SASOL

whitepaper

Jun 30, 2014

We may from time to time make written or oral forward-looking statements, including in this Form 20-F, in other filings with the United States Securities and Exchange Commission, in reports to shareholders and in other communications. These statement...

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A NEW ERA FOR SASOL Sustainable Development Report A NEW ERA FOR SASOL SUSTAINABLE DEVELOPMENT REPORT

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Jun 30, 2014

Sasol is an international integrated energy and chemicals company that leverages the talent and expertise of our more than 33 000 people working in 37 countries. We develop and commercialise technologies, and build and operate world-scale facilities ...

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PV Module bankability 2014: who to trust? PV MODULE BANKABILITY 2014: WHO TO TRUST?

whitepaper

Apr 28, 2014

Bloomberg New Energy Finance asked respondents which PV module brands they considered 'bankable' out of a list of 50PV module bankability 2014: who to trust? ... Monday 28 April 2014 Figure 3:PV module degradation results from PV Evolution Labs Sourc...

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Big Green Bucket: towards a large-scale refinance facility for clean energy debt BIG GREEN BUCKET: TOWARDS A LARGE-SCALE REFINANCE FACILITY FOR CLEAN ENERGY DEBT

whitepaper

Apr 03, 2014

Publicly-owned entities such as development banks, multilateral financial institutions and export credit agencies are originating over $100bn of clean energy-related loans per year ‒ and have lent more than $400bn cumulatively since 2007. This paper ...

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Retail Banking Delivering a Meaningful Digital Customer Experience RETAIL BANKING DELIVERING A MEANINGFUL DIGITAL CUSTOMER EXPERIENCE

whitepaper

Mar 26, 2014

Customers’ growing use of digital channels for banking and their demand for an individualized experience have forced many banks to revisit their customer service efforts. In the face of increasing competition from emerging digital banks, which ...

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2014 Responsible Banking Report 2014 RESPONSIBLE BANKING REPORT

whitepaper

Jan 01, 2014

This is BBVA Compass’ seventh annual corporate responsibility report. It contains information on the organization’s social, environmental and governance performance during calendar year 2014.

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Achieving ROI from Your PCI DSS Investment ACHIEVING ROI FROM YOUR PCI DSS INVESTMENT

whitepaper

Jun 03, 2013

Find opportunities to leverage PCI DSS compliance efforts to produce greater long-term return on investment, positive business impact, and an improved security posture.

This white paper discusses the challenges of meeting PCI DSS compl...

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Life Product Disclosure Statement and Insurance policy LIFE PRODUCT DISCLOSURE STATEMENT AND INSURANCE POLICY

whitepaper

Feb 01, 2013

This product disclosure statement (PDS) has been designed to help  you get the most out of your cover. Use the contents page to help you find out what you are looking for .Importent tasks such as talking out insurance or making a claim  are...

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Global Credit Crisis Impact on Australian banks cost of funds GLOBAL CREDIT CRISIS IMPACT ON AUSTRALIAN BANKS COST OF FUNDS

whitepaper

Oct 31, 2008

The Australian banking system remains sound and well capitalized It is one of the few debt markets in the world still functioning well and soundly. Despite the RBA cash rate reduction, it is now apparent that the cost of borrowing money anywhere in t...

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Australian banks cost of funds AUSTRALIAN BANKS COST OF FUNDS

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Official cash rate: the interest rate paid b