The Role of Analytics in the New Banking Age

November 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 far and wide to satisfy their financial needs, some are questioning the need for a bank at all.

Spotlight

Guardian Life

Every day, we help make the lives of 26 million American more secure through life insurance, disability income insurance, annuities and investments to individuals, as well as workplace benefits like dental insurance and vision insurance.The Guardian Life Insurance Company of America® (Guardian) is one of the nation's largest mutual life insurers. Founded in 1860, we now have over 9,000 employees and a network of over 2,750 financial representatives in 58 agencies nationwide. In 2017, we had $8.0 billion in capital and $1.6 billion in operating income (before taxes and dividends to policyholders). As a mutual company, our policyholders are the whole owners of our company, and share in our success.

OTHER WHITEPAPERS
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Climate-Related Financial Risk

whitePaper | February 1, 2023

Climate-related financial risk has become a prominent theme that is high on the agenda of U.S. and European policymakers and regulators. A number of these organizations have publicly declared climate-related risk a potential threat to global financial stability, and many have published formal consultations related to this topic.

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Notable Whitepaper

whitePaper | October 3, 2022

NOTABLEWhitepaperPeople are valuable. We’ve always known that, but the current digital and social media revolution is making it clear that qualities like influence, leadership and prettiness can be valued and monetized, both for individuals and for businesses. Just think about the influencer market, that has amassed a gross value of 13$ Billion in 2021. On the other hand, blockchain technology (and digital tokens, or NFTs) is opening the world to new investment possibilities. Now people and institutions can easily invest in almost any asset class, with the same simplicity of browsing the web.

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Composable Banking: Redefine Speed to Market

whitePaper | August 22, 2022

In the modern era of on-demand consumption and tailored customer experiences, the ability to put together banking systems to fit a Financial Institution’s needs is imperative. The continually changing landscape, cuttingedge competition, and rising customer expectations have become a general rule to adapt to practically every industry, including banking and financial services.

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ODYSSEY WHITEPAPER

whitePaper | September 12, 2022

Moroku Odyssey is a user experience orchestration and engagement platform for financial services companies. As Fintech changes the industry, customer engagement through unique experiences is a critical battleground. Moroku Odyssey, helps banks and FinTechs provide unique and compelling experiences to attract and engage customers around a telos of wellness, architected around game.

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Payments outsourcing – pros, cons & considerations that should be on your radar

whitePaper | February 28, 2020

Payments has seen much change and innovation in the last years and will continue to evolve at the same pace. Just two examples are the introduction of Instant Payments in Europe and the launch of Open Banking/PSD2. On the infrastructure side, SWIFT has introduced gpi, setting the new standard for cross-border payments. The other major event was the introduction of Request to Pay.

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Open Banking, Open Finance, Open Economy: THE NEW IDENTITY OF FINANCE

whitePaper | May 24, 2022

Trends in customer demand, technology, and regulation drive the development of an open financial ecosystem in which the consensual sharing of customer data among financial institutions (FIs) and businesses creates new value for consumers and business users. This Aite-Novarica Group report analyzes this trend and the evolution from open banking to open finance and to a truly open economy. The report is based on interviews with executives from banks and fintech firms in Europe and North America.

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Spotlight

Guardian Life

Every day, we help make the lives of 26 million American more secure through life insurance, disability income insurance, annuities and investments to individuals, as well as workplace benefits like dental insurance and vision insurance.The Guardian Life Insurance Company of America® (Guardian) is one of the nation's largest mutual life insurers. Founded in 1860, we now have over 9,000 employees and a network of over 2,750 financial representatives in 58 agencies nationwide. In 2017, we had $8.0 billion in capital and $1.6 billion in operating income (before taxes and dividends to policyholders). As a mutual company, our policyholders are the whole owners of our company, and share in our success.

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