QUARTERLY STATEMENT OF THE TEACHERS INSURANCE and ANNUITY ASSOCIATION of AMERICA

whitePaper | February 18, 2020

Organizations that develop their own credit risk models see long lead times to get them built and deployed. Business users determine a need for a new model, which triggers weeks or months of data collection and model development effort – as much as a year. By the time the new model is deployed, market conditions and customer needs have changed, so the process starts over.

whitePaper | May 8, 2020

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whitePaper | July 15, 2022

The rise of Banking as a Service (BaaS) and real-time payments (RTP) are pushing the era of digitalization to new heights, where interconnected ecosystems and the instant exchange of data are the norm. Until now, banks and other players have largely implemented piecemeal solutions on top of existing legacy core systems. This has led to extremely expensive and complex back-end systems—with lots of time and money spent trying to create interoperable services at the application level. With the move to fully interconnected ecosystems, stakeholders will have to re-think their core systems at the most fundamental level. Achieving this will be difficult, but the rewards are great. Infrastructure-level connectivity can enable banks and other players to benefit through the monetization of customer data that will provide new insights for services that can only be developed based on a fundamentally networked infrastructure.

whitePaper | May 16, 2023

Intercompany financial management (IFM) is a discipline for structuring and handling transactions within a corporation and between its legal entities designed to maximize staff efficiency and accounting accuracy while optimizing tax exposure, minimizing tax leakage, and ensuring consistent tax and regulatory compliance. According to Ventana Research, by 2025, one-half of large enterprises will have implemented IFM to achieve tax, risk management, and financial close benefits.

whitePaper | January 10, 2023

From phone apps to home automation to cashless commerce and beyond, digital disruption is the new normal for consumers today. It’s changing what we do—and how we get things done— in countless ways.

whitePaper | October 26, 2022

BaaS is reshaping how banks are looking at distributing their products and services. In the simplest fashion, it can be understood as the partnership model between banks and non-bank businesses and/or fintechs where the latter embeds the financial service into its core offering.