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E.g., 2024-06-11
E.g., 2024-06-11
April 20, 2023
The evolving payments landscape in commercial banking is a continued area of focus for financial institutions (FIs) and vendors. Broadly described as infrastructure modernization efforts, FIs in particular are being challenged to keep up with payments volume and data integration needs, technical innovations, and the growing need for real-time capabilities. Commercial clients increasingly...
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April 20, 2023
Accepting payments when a merchant’s customers live around the world is hard. Global merchants need to be able to market, sell, and deliver their products in literally hundreds of different markets. Aside from making sure that consumers can find what they need in a language that they understand, customers also need to be able to pay for their purchases with a payment type that they have and,...
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Thad Peterson
April 19, 2023
On March 29th, I hosted the Aite-Novarica Women’s Network meeting on the topic of mentoring in insurance. We were joined by Lori Bernier (AVP of Group Protection Technology Strategy and Planning, Lincoln Financial Group), Lindsay Bottari (Senior QA Test Engineer, Electric Insurance Group), and Melissa Hunting (Project Manager, Global Indemnity) who shared their perspectives on the value of...
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April 17, 2023
Straight-through processing (STP) is often among insurers’ top goals for leveraging technology to improve efficiency for property/casualty and life/annuity/benefits insurance. STP offers insurers benefits in speed, consistency, and productivity, enabling them to support greater transaction and application volume without increasing headcount. Automated resolution of simple business frees up...
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April 13, 2023
As the banking landscape evolves and corporate clients demand more personalized, convenient, and seamless experiences, traditional financial institutions (FIs) face increasing pressure to innovate. One of the areas where banks are innovating is new onboarding methods for corporate clients, seeking ways to attract and service these clients in a profitable and scalable manner. Business-to-business...
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April 12, 2023
Business Software Versus Cybersecurity Software Sponsored by Mastercard, Aite-Novarica Group interviewed 1,560 owners and operators of micro, small, and midsize enterprises (MSMEs) across 24 countries from November to December 2022 to understand their buying habits toward cybersecurity products and services. One of the insights we wanted to glean was the level of importance MSMEs placed on...
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April 11, 2023
Aite-Novarica Group advisors Stephanie Dalwin and Gilles Ubaghs have no shortage of experience working with technology startups in their respective verticals. In part one of this three-part series, Stephanie and Gilles discussed key issues facing technology startups in their areas of coverage. Technology vendors in commercial banking and insurance are experiencing shifting market conditions,...
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April 11, 2023
日本では、独立系ファイナンシャル・アドバイザー(IFA)の登場とともに、その業務処理を支援するアウトソース・サービス:TAMP(Turnkey Asset Management Program)が注目されています。米国のTAMPは1990年前後に登場、RIA(Registered Investment Adviser)や証券会社のウェルス・マネジメント(WM(WM)サービスの進展を支えてきましたが、その守備範囲はWM業界の動きとともに変化しています。ここでは米国のTAMPの歩みをまとめてみました。 ■ フィーベース・サービスとTAMP 米国の証券業界では、1990年頃より、証券売買を代行するブローカレッジ・サービス(ビジネスモデル:売買毎に徴収する手数料)に加え、顧客の資産形成をサポートするウェルス・マネジメント(WM)サービス(同:預かり資産額に応じたフィー課金)...
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April 10, 2023
As we cross into the second quarter of 2023, it’s clear that the insurance industry will be facing a series of both challenges and opportunities in the near future. Thoughtful business planning is going to be required to identify the strategies needed to navigate a period of economic uncertainty, demographic shifts, and technological transformation that can at times be dizzying in its complexity...
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Robert McIsaac
April 4, 2023
ネオバンクが登場した2010-2015年と比べ、金融機関を取り巻く事業環境は大きく変化しており、大手金融機関のデジタル戦略が本格化する一方、金利の上昇から景気後退の懸念も出ています。アイテ・ノバリカ・グループでは、ネオバンクをメインバンクとして利用している消費者像をアンケート調査からレポート「U.S.Neobanks : Challenging the Challengers」にまとめ、リレーションシップ強化による収益確保への道筋を探りました。 ■ 米国のネオバンク ネオバンクの定義は諸説あるが、ここでは、2010年前後以降に登場したモバイル・チャネルを主体とした銀行サービスとする(デジタル・バンク、チャレンジャー・バンクなどの表現もあるが、ここでは区別しない)。ネオバンクの多くが、決済機能のあるチェッキング口座を提供しており、その他、貯蓄口座/クレジット・カード/...
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