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E.g., 2022-01-20
E.g., 2022-01-20
January 18, 2022
Business email compromise (BEC) fraud continues to plague commercial trade payments despite the best efforts of banks and software service providers to stem the flood of spoofed emails and risky looking transactions. The FBI reported that in 2021, BEC-related losses added up to over US$1.8 billion. This type of fraud generally targets the staff of a commercial enterprise and persuades them to...
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January 13, 2022
There is no doubt that the Great Resignation is occurring. The voluntary resignation rate continues to rise, reaching another record level in November. But how did we get here? Aite-Novarica has observed that the Great Resignation did not emerge out of thin air. The “Great Disconnect” is one of the causes. The Great Disconnect is revealed by the “role reversal” in many corporate debates....
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January 12, 2022
COVID-19 has changed many aspects of daily life since it first emerged. One key area of change that impacts the retail banking and payments industry is the channels through which consumers browse, purchase, and pay for goods and services. In addition to the pandemic, the Great Resignation, changing regulatory pressure, new data sources, and increased global attention to virtual currency...
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January 6, 2022
Aite-Novarica Group has been actively covering work from home, return to office, work from anywhere, hybrid work models, and similar workforce-related themes since the pandemic began. For the leading North American financial services firms Aite-Novarica works with, interest in these areas continues to grow. Part and parcel of the discussion is recruiting and retention. One of the themes that...
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January 4, 2022
As we close out year two of the COVID-19 pandemic, it’s becoming clear that the new normal we’ve adjusted to is here to stay. Addressing the permanence of remote work and emerging risk were top of mind in our most recent meeting of Aite-Novarica Group’s Innovation Advisory Board, an innovation knowledge-sharing group for insurers. We heard from Charlie Sidoti, Executive Director of InnSure, an...
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December 20, 2021
海外送金にからんだ不正行為(マネー・ロンダリングやテロ資金の送金など)の手口が巧妙化し、金融当局は金融機関に対してAML対策の強化を求めています。金融機関各社も、AMLに多額のリソース(IT投資とスタッフ)を投入していますが、不正手口の巧妙化に対して対策が遅れがちです。ここでは、人工知能を活用したAMLツールを導入した英スタンダード・チャータード銀行の事例をご紹介します。 ■ AMLに関する金融機関の事業環境 海外送金にからんだ不正行為(マネー・ロンダリングやテロ資金の送金など)を阻止するため、金融機関は多額のリソースを投入してAML対策を実施しているが、犯罪手口は常に進化しており、対策も改善を続ける必要がある。加えて、ファースター・ペイメントの普及やグローバル貿易の増加、複数の国をまたがる取引が増えるなど、犯罪者が付け入る隙も増えている。金融機関は、...
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December 15, 2021
Organizational culture sets a company up for success or failure. A positive culture helps an organization achieve its goals and allows employees to bring their best selves to work. Major upheavals in work environments spurred by the pandemic are forcing organizations to adapt their processes and cultures to the needs of a changing workforce. However, transforming a company’s culture can be a long...
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December 14, 2021
The end of the year is a natural time to consider where we are and what the immediate future holds. The pandemic era has been difficult, to say the least. We face a world that has changed in several fundamental ways, presenting us with new challenges and opportunities. I.T. professionals should stay aware of the following factors to guide them through what comes next. Labor markets have...
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December 13, 2021
Insurance companies have been attempting a slow move to digital capabilities for years. The real push to invest precious budget dollars, talent, and time into digitalization came as a result of the pandemic, as lockdowns and stay-at-home orders highlighted the need for digital capabilities. We all realized that the ways we purchase and service everything needed to be easy, accessible, and, in the...
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December 10, 2021
金融サービスの多様化を進めているゴールドマン・サックスは、2016年にリテール・デジタル・バンクに進出、更に2020年6月からは、法人向けトランザクション・バンキング(TxB)を開始しました。同サービスは、予想を上回るスピードで事業が拡大しており、日本でも近々サービスが始まるようです。その概要をまとめてみました。 ■ トランザクション・バンキングの課題 大手グローバル銀行(JPM Chase、CitiBank、HSBC等)は、長年、企業顧客向けにトランザクション・バンキングを提供している。ただ、サービスの歴史が長いことからシステム・プラットフォームは、以前から利用されているレガシー・システムの機能拡張版で、今日のユーザー・ニーズから見ると、機能面やユーザー・エクスペリエンスの満足度が高いとは言えない。例えば以下のような課題がある。 ・多国間/複数口座/...
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