Publications

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Insurance Tech Investments: Innovation or Returns?
March 2016

FinTech is looking to be the most promising startup industry for the next decade. Goldman Sachs estimated that startups could wrestle up to $4.7 trillion in annual revenue, and $470 billion in profit from financial institutions.....
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Blockchain in Banking: DisruptiveThreat orTool?
April 2016

Blockchains could have widespread potential to disrupt financial intermediaries. Our in-depth study suggests several misconceptions & identifies 10 hurdles to overcometo make blockchain areality in banking. The opportunity is clear but the blues....
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FinTech APAC Landscape Developments
April 2016

FinTech is getting more and more traction and attention as more companies, including established financial institutions such as the major banks, are aware of the threats and opportunities of FinTech.....
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Blurred lines: How FinTech is shaping Financial Services
March 2016

It is difficult to imagine a world without the internet or mobile devices. They have become core elements of our lifestyle and have brought a high degree of disruption to virtually every area of business. The financial services (FS) industry is no e....
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FinTech 2.0 Creating New Opportunities Through Strategic Alliance
February 2016

The degree to which the payments industry has changed in just a decade is off the scale. We’ve witnessed the arrival of new currencies, technologies, business models and forms of transactions; all within an environment of global economic upheavals....
oliver wyman blockchain
Blockchain in Capital Markets: The Prize and the Journey
February 2016

The blockchain concept, most known for being the technology underpinning Bitcoin, has generated a huge amount of interest within capital markets. Blockchain (or distributed ledgers) offers a new approach to data management and sharing that is being ....
swiss fintech
Swiss FinTech Report 2016
February 2016

Digitization has long since become a common topic on the agendas of companies as they consider the consequences for their underlying business models, organizations and their people. Some industries took the lead as early adopters. However, the finan....
UK gov fintech
Distributed ledger technology: beyond blockchain
January 2016

The progress of mankind is marked by the rise of new technologies and the human ingenuity they unlock. In distributed ledger technology, we may be witnessing one of those potential explosions of creative potential that catalyse exceptional levels of....
pwc banking
US banking deals insights: 2015 update and outlook for 2016
January 2016

In today’s banking environment, heightened regulatory and reporting requirements, combined with risk management considerations, disruptive technologies, and low interest rates, all present challenges to growth, innovation, and profitability.....
ey fintech
EY FinTech Adoption Index
January 2016

Driven by innovative startups and major technology players, the booming FinTech industry is capturing traditional market share by offering customers easy-to-use and compelling products and services. We surveyed more than 10,000 dig....

fintech100
FinTech100
December 2015

The Fintech 100 are those companies using technology to the best advantage and driving disruption within the financial services industry. These companies have a commitment to excellence, superior customer experience and a demonstrated ability to do ....
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Blockchain: A fundamental shift for financial services institutions
November 2015

In today's world of electronic and mobile banking, money is transforming from something we hold in our hand to numbers we move around the Internet. Electronic or digital forms of money are fast replacing traditional paper and coin. As the Economist ....
RegTech is the new FinTech
RegTech Is The New FinTech
October 2015

Regulation is one of a number of services to receive the “Tech” treatment in recent times. As with its bigger brother FinTech, the definition of RegTech will mean different things to different people in this developing area. While the name is ne....
Transforming banking for the next generation
Transforming banking for the next generation
October 2015

The most successful banks will be those that have transformed their business models. Banks will increasingly focus on profitability rather than revenues. As a result, they will be defined by narrower scope and simpler structures, but greater reach....
Payments disrupted
Payments disrupted
September 2015

Payments are a key revenue stream for European banks. Deloitte estimates that retail payments will account for €128 billion in revenues in 2015, or around a quarter of total European retail banking revenues. Moreover, payments are of strategic....
Banking in Asia-Pacific
Banking in Asia-Pacific
September 2015

Banks in Asia-Pacific (APAC) are under pressure. But with pressure comes opportunity. Global megatrends, stakeholder pressure and sluggish economic growth are forcing local and international banks in the region to re-examine their business, while ....
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Understanding the evolving cryptocurrency market
August 2015

Cryptocurrency: media sensation and investment fad? The issue is no longer whether cryptocurrency will survive, but rather how it will evolve. Each of the five key market participants— merchants and consumers, tech developers, investors, financial....
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Digital Banking for small and medium-sized enterprises
July 2015

Small and Medium-sized Enterprises (SMEs) are an important segment in the economies of member states in the Association of Southeast Asian Nations (ASEAN). Across the five countries of Indonesia, Malaysia, Philippines, Singapore and Thailand, SMEs c....
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Disrupting beliefs: A new approach to business-model innovation
July 2015

In a disruptive age, established business models are under attack. Here’s how incumbent companies can reframe them. Let’s face it: business models are less durable than they used to be. The basic rules of the game for creating and capturing e....
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WEF: The Future of Financial Services
June 2015

Consistent with the World Economic Forum’s mission of applying a multi-stakeholder approach to address issues of global impact, the creation of this report involved extensive outreach and dialogue with the financial services community, innovation ....
innotribe
Power Women in FinTech Index: Bridging the Gender Gap
June 2015

Technology is revolutionising conventional financial services, and disruption is occurring at an exponential rate. Goldman Sachs projects an estimated $4.7 trillion in revenue and $470 bi....

kpmgdig
Digital Offerings in Mobile Banking – The New Normal
May 2015

The widespread use of mobile phones and the advent of smartphones have led to a digital revolution worldwide. This report provides an outside-in perspective on the global trends in mobile....

pwcin
Banks taking a Quantum Leap through Digital
Apr 2015

The last few years have witnessed a transition of banking from a predominantly transactional business to a customer-centric one. Engaging the customer through the most relevant channels ....

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The Future of Finance Part 1 – The Rise of the New Shadow Bank
March 2015

Regulatory changes and new technologies are re-shaping competition in traditional bank activities as well as the payments ecosystem. We expect the competitive landscape to shift over the ....

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Five Banking Innovations from Five Continents: USA, Europe, Asia, Africa, Australia
Feb 2015

Banking Innovation is a global growth‐sector. There are three types of banking innovations (on top of the regular IT investments done by banks1): (1) In‐bank FinTech innovations – a....

ivp
Disruptions Driving FinTech Investing
Feb 2015

There is a wave of capital flowing into startups looking to disintermediate the major financial institutions. All of a sudden, there are significant investment opportunities in a market ready to embrace new and innova....

peer pressure
Peer Pressure
Feb 2015

Imagine applying for a loan by entering a few pieces of information into an online application portal, and within hours having your loan approved for funding. A number of online marketpla....

eywealth
Digital disruption and the game-changing role of technology
2015

Wealth management is changing. Multiple forces such as tighter regulation, fast-paced customer demands, market shifts, unconventional foes and disruptive technologies are creating a new p....

allenovery
Fintech
2015

Fintech is the term coined to describe the intersection between finance and technology. It may refer to technical innovation being applied in a traditional financial services context or ....

deloitte
Alternative Finance in Australia
2015

This paper looks at the current state of the Australian economy with regard to private company investment. It also highlights some of the future disruptive changes that are currently occu....

innovlab
The Future of FinTech and Banking 2015
2015

It is clear that the digital revolution in financial services is under way,but the impact on current banking players is not as well defined.Digital disruption has the potential to shrink ....

db dig rev
Fintech – The digital (r)evolution in the financial sector
Nov 2014

Our lives are becoming increasingly digital. The Federal Ministry of Education and Research has declared 2014 as “The digital society” year of science.2 This is undoubtedly a sign tha....

insight
Insight Report: The Future of Fintech
Nov 2014

Fintech as a sector is coming of age. Venture capital investment is higher than ever, the infrastructure and hardware is becoming more prevalent and adoption levels, both among companies ....

HK
The Rise of FinTech
Nov 2014

The future is bright for Hong Kong, provided that the city can devise a strategy that will help change Hong Kong’s status from an emergent FinTech hub into a global leader. By doing so,....

kpmg sydney
Unlocking the Potential: The Fintech Opportunity for Sydney
Oct 2014

Sydney's position as Australia's financial services powerhouse is set to move up a gear. The convergence of digital and financial sector strengths and growing global recognition of the ci....

cognizant
Marketplace Lending: A Maturing Market Means New Partner Models
Jul 2014

Since the early 1990s, when the Internet and online commerce began to take shape, peer-to-peer (P2P) transactional systems have continued to evolve. Much like the Internet, they have mor....

sinkswim
Sink or Swim – Business Impact of Digital Technology
June 2014

The new age of digital technology is set to revolutionise how businesses operate, in a manner and at a speed that is unprecedented. The democratisation of technology also means that now....

trilliondollarmkt
A Trillion Dollar Market By the People, For the People.
May 2014

For centuries, banking has remained fundamentally unchanged. In the simplest terms, banks match savers with borrowers. They pay interest for deposits and make loans to businesses and cons....

nunatak
Financial Technology
Jan 2015

Understanding digital trends and changes in customers’ preferences are both key challenges and opportunities for established finance companies. Therefore, they are exploring digital tec....

mckinsey
Digital Banking in Asia: Winning Approaches
2014

Digital banking has become an irresistible business trend. McKinsey research in personal financial services shows that Asian consumers are becoming more and more comfortable with using mo....

bankofthings
The Bank of Things
2014

Fintech is the term coined to describe the intersection between finance and technology. It may refer to technical innovation being applied in a traditional financial services context or ....

50bestfintechinnovators
The 50 Best Fintech Innovators Report
2014

The '50 Best' companies are those using technology to the best advantage and driving disruption within the financial industry.These companies have a commitment to excellence and superior ....

oracle
Banking is Changing… With or Without the Banks
2014

For many years, retail banks have been secure, highly profitable businesses. But recently disruption has hit the doorstep of these financial giants. The recent crisis not only led to larg....

The-Digital-Disruption-in-Banking
The Digital Disruption in Banking
2014

While many North American banks have been able to retain their customers through traditional channels and digital service offerings, recent shifts in the industry are threatening this his....