Studies & Reports



Video-enabled insurance services - How video customer engagement transforms the way insurers do business
Study Vidyo, October 2017
Video is emerging as an important new channel for insurance companies to interact with their customers to deliver advisory services, sell insurance and financial services products, perform remote expertise,…

Keywords : Insurance Products & Services , Customer service , Video services

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Innovation in retail banking 2017: Reimagine banking
Study Infosys Finacle, October 2017
In order to re-imagine banking in today’s increasingly competitive environment, there needs to be a focus on disruptive technologies and innovations, as opposed to simply an iterative focus. The…

Keywords : Innovation , Bank Products & Services

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Making innovation pay
Study Oracle Corporation, October 2017
This white paper is a report of a joint study by Efma and Oracle that seeks to understand what innovation activities are taking place in banks and which are working or not working. It includes practical…

Keywords : Innovation , Offer/Pricing

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PSD2: Driving digital transformation in banking
Study Microsoft, October 2017
The Second Payment Services Directive (PSD2) is one of the largest regulatory challenges that banks have faced in recent years. Compliance with the new legislation means that financial institutions, at…

Keywords : Operational excellence/Cost efficiency , Digital/Mobile channels , API/Open banking

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Global distribution report
Study McKinsey & Company, October 2017
Retail banking distribution is an increasingly digital proposition, with customers accessing more services on their smartphones and desktops—even in countries that are not considered digitally advanced.…

Keywords : Distribution Channels , Distribution Channels

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Global retail banking transformation observatory
Study BCG, October 2017
BCG and Efma are glad to present the first edition of their yearly "Global Retail Banking Transformation Observatory".This report will take the pulse of the industry on its transformation journey, based…

Keywords : Bank Products & Services , Operational excellence/Cost efficiency , Digital/Mobile channels

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Digital banking: Progress on transformation
Gartner (USA), October 2017
Almost every bank and financial institution now has a goal or a project to become a “digital bank”.  But opinions on what that actually is and how exactly to achieve it are wildly different.…

Keywords : Digital/Mobile channels , Bank Products & Services

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Transforming insurance through innovation
Study Accenture, November 2017
Large traditional insurers and dynamic start-ups alike are turning to artificial intelligence (AI), the Internet of Things (IoT), digital platforms, blockchain and other emerging technologies to create…

Keywords : Insurance Products & Services , Innovation , Digital/Mobile channels

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Robo-advisory: The future of banking financial advisory services
Study Axis Corporate, November 2017
Efma and Axis Corporate are working on the Insights for a "Robo-Advisory - The future of banking financial advisory services” report.There are several factors which are influencing the need to implement…

Keywords : Financial advice , Robotics/AI

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Building the future of mobile banking - Part III
Study Wavestone, December 2017
In collaboration with Efma, Wavestone aims at designing the future outlines of mobile banking through 4 pillars covering all features of a bank.This intermediate report presents the study results on Security…

Keywords : Cybersecurity/Authentication , API/Open banking , Compliance/Regulation , Digital/Mobile channels

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Efma reports


With more than 30 reports published yearly, co-written with leading consulting and IT partners (Efma associate members), we offer a snapshot of market trends for you to get inspired through winning strategies developed on other continents.

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