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Reports

Digital-Only Banks: Scaling Profitability Beyond Growth Metrics

Digital-Only Banks: Scaling Profitability Beyond Growth Metrics

Digital-only banks face a pivotal test: scaling profitability beyond growth metrics. Which strategies are delivering sustainable unit economics and which are running out of road.…

National Australia Bank Reports Increased Earnings Amid Economic Challenges

National Australia Bank Reports Increased Earnings Amid Economic Challenges

National Australia Bank reports increased cash earnings to .7 billion amid aggressive rate hikes, but rising loan delinquencies and stiff competition cloud the outlook.…

Customer Experience in 2023: Why Personalisation Still Falls Short

Customer Experience in 2023: Why Personalisation Still Falls Short

Why personalisation in banking still falls short of customer expectations in 2023, despite years of investment in data and analytics.…

The Embedded Finance Shift: Banks at Risk of Disintermediation

The Embedded Finance Shift: Banks at Risk of Disintermediation

Embedded finance is shifting value away from traditional banks. How platform-based distribution is creating disintermediation risks - and what incumbents can do about it.…

ESG in Banking: From Reporting Obligation to Strategic Lever

ESG in Banking: From Reporting Obligation to Strategic Lever

ESG in banking is maturing from a reporting obligation into a strategic lever. How leading institutions are turning sustainability commitments into competitive advantage.…

Third-Party Risk in the Age of Fintech Ecosystems

Third-Party Risk in the Age of Fintech Ecosystems

Fintech partnerships bring speed and innovation - but also third-party risk that most banks are not managing well. A practical assessment of ecosystem risk in 2023.…

Operational Resilience: From Policy to Practice in Tier 1 Banks

Operational Resilience: From Policy to Practice in Tier 1 Banks

Operational resilience is moving from policy to practice in tier 1 banks. How institutions are stress-testing, governing, and embedding resilience into day-to-day operations.…

Regulatory Pressure Intensifies: Managing Compliance in a Fragmented World

Regulatory Pressure Intensifies: Managing Compliance in a Fragmented World

Regulatory pressure is intensifying across jurisdictions, creating a fragmented compliance landscape. How banks are managing the growing burden without paralysing the business.…

Generative AI in Banking: Early Use Cases and Emerging Risks

Generative AI in Banking: Early Use Cases and Emerging Risks

Early use cases for generative AI in banking are emerging alongside significant risks. A grounded assessment of where the technology adds value and where caution is warranted.…

UK Considers Extending Bank Closure Rules to Business, Reports Telegraph

UK Considers Extending Bank Closure Rules to Business, Reports Telegraph

UK government considers extending bank branch closure rules to protect business customers, potentially slowing the pace of high street banking closures.…

Swiss National Bank Reports $15 Billion Loss in Second Quarter

Swiss National Bank Reports $15 Billion Loss in Second Quarter

The Swiss National Bank reports a 5 billion loss in Q2 2023, driven by currency losses and declining bond valuations amid global monetary tightening.…

Fraud, Risk and Machine Learning: The Next Battleground

Fraud, Risk and Machine Learning: The Next Battleground

Fraud detection and risk management are being transformed by machine learning. Where banks are gaining ground against financial crime - and where criminals are adapting faster.…