Predicting Distress in European Banks

whitePaper | March 30, 2022

Sustainability has, in recent years, become more intrinsically linked to the financial performance of a business as consumers have steadily changed their purchasing decisions based more on environmental and social factors. Four out of five Singaporeans said they cared about the environment while half of those polled said carbon emissions and climate change were their top concerns. Importantly, 41 per cent said they were largely motivated by sustainability features when making purchasing decisions. This can have a significant impact on the bottom line for organizations that fail to keep pace with the evolving market and invest in more sustainable and environmentally friendly practices.

whitePaper | February 21, 2020

Does a “regular” bank that does not deal in complex instruments still need real-time risk management? To date, banks have generally accepted having risk analyses available one or two days after the fact. And for years, they have made ends meet with this delayed risk insight. So why invest in something new? Why rock the boat?

whitePaper | November 21, 2022

This white paper examines the challenges facing insurers in a rapidly changing marketplace. It focuses on the threat from insurtechs and other digital challengers, the emergence of new business models and technologies, and how customer expectations have changed.

whitePaper | March 15, 2022

The speeds at which today’s AI technology is advancing is far beyond what many have expected. The role of human decision-making is being eclipsed by computer and machine learning in almost every industry. We see it in autonomous cars and trucks as well as in actual robots pre-programmed to take on tasks once thought to be reserved for humans alone. Ralph Haupter, President of Microsoft Asia and Corporate Vice President, Microsoft stated the following: “I believe 2018 is the year that this will start to become mainstream, to begin to impact many aspects of our lives in a truly ubiquitous and meaningful way” There is no uncertainty in the fact that AI is progressing at the speed of light. It is yet to be seen how this will impact industry on a global industrial level but the applications to payments have not been insignificant in the past several years. This paper seeks to explore the intricacies of this technology, its evolution, and the potential impact of AI in payments in 2018 and beyond.

whitePaper | July 15, 2022

BNPL has grown rapidly as a lending product for consumers over the last few years. The idea of paying for purchases over time through a few interestfree payments is highly appealing to customers. BNPL firms have rapidly grown revenues as product adoption has increased. Most of this growth is led by fintechs while banks have been trying to play catch-up. Arguably, banks have lagged behind because fintech firms have been able to use their tech advantage to appeal to a wide consumer base and have reduced friction in the customer lending journey. However, industry experts also admit that a lot of this performance disparity may be due to regulatory arbitrage. Large banks face higher scrutiny when compared to fintechs and nonbanking lenders on policies, processes, and analytical strategies.

whitePaper | April 14, 2023

The importance of credit decisioning in the success of a credit business cannot be overemphasized. Credit businesses are heavily dependent on their business rules, mathematical models, and data to make profitable decisions. Customer behavior and expectations have been irrevocably transformed as a result of the pandemic, and the use of alternative credit products such as BNPL, peer-to-peer lending,