Studies & Reports



Crowdfunding: Beyond hype, why banks should be serious about it
Study Deloitte, January 2016
Crowdfunding has been existing for a while, especially through donations. On a small scale - raising money from « Family and Friends », or on a bigger scale: the Statue of Liberty’s…

Keywords : Credit , Crowdfunding

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Sales or customer focused? Banks' evolution to customer-driven sales
Study Finastra, November 2015
Misys and Efma set out to explore the relationship between customer service, digital and sales. The results paint a challenging picture and affirm the conversations that we have had with clients that…

Keywords : Sales management , Customer experience , Digital/Mobile channels

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Digital pricing in an omnichannel world
Study A.T. Kearney, November 2015
ATKearney & Efma are glad to present ‘Digital pricing in an omnichannel world’, a report based on a three session think tank. The digital revolution is transforming financial services…

Keywords : Offer/Pricing

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The intelligent customer experience: A new approach for banks
Study EY, Intesa Sanpaolo, November 2015
This paper is the product of EY’s continuing partnership with Efma, which explores the value of using analytics to improve customer experience in European banking. It builds on our work in 2014,…

Keywords : Big data , Customer experience

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ANI et contrats responsables
Study Wavestone, November 2015
Les évolutions réglementaires récentes sur la Généralisation de la Complémentaire Santé pour l'ensemble des entreprises (ANI) et les nouvelles obligations…

Keywords : Health insurance , Compliance/Regulation

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Retail banking in CEE: Digitalization of back office activities
Study Roland Berger, November 2015
In our daily life, digitalization is an often discussed and fashionable topic. Many financial institutions see this as an opportunity to gain further competitive advantage. Obviously, it is mainly elaborated…

Keywords : back office , Operational excellence/Cost efficiency

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Omni-channel banking: The digital transformation roadmap
Study Backbase, November 2015
Customer behavior is changing. Customers are more and more looking for convenience. The convenience and simplicity the get online and on mobile, when watching their favorite show on Netflix, or when taking…

Keywords : Omnichannel/Multichannel , Operational excellence/Cost efficiency

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Innovation in retail banking 2015
Study Infosys, November 2015
Efma and Infosys Finacle are proud to present the seventh annual study of innovation in retail banking. The theme of this year’s study is industry disruption and how banks can effectively work with…

Keywords : Innovation , Fintech

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Efma yearbook 2015
Regional review Efma, November 2015
Efma is pleased to present the Efma Yearbook for 2015. Our Yearbook examines global statistical trends in retail banking and also looks at the trends in each of four regions: Europe, Asia Pacific, Middle…

Keywords : Credit , Branch , ATM , Card , Digital/Mobile channels

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Next best action in an omnichannel environment
Study Pegasystems, October 2015
With more and more channels at their disposal, customers now have more power than ever and are expecting a frictionless customer experience. Banks must therefore develop a personalized connected customer…

Keywords : Digital marketing , Big data

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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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