Studies & Reports



Retail banking in emerging countries
Regional review Orange Business Services, January 2015
This report from Orange Business Services and Efma brings together insight and opinion from experts from across the retail financial services industry to discuss the current state of play in emerging…

Keywords : Bank Products & Services , Sustainable development , Operational excellence/Cost efficiency



Going digital: The banking transformation road map
Study Efma, A.T. Kearney, January 2015
Banks worldwide are looking to improve their digital capabilities: from delivering omni-channel experiences, to one-click straight-through-processing to enhanced app suites and customer tools - change…

Keywords : Operational excellence/Cost efficiency , Digital/Mobile channels



Retail banking in CEE - The benefit of the crisis: Gaining efficiency
Study Efma, Sberbank, December 2014
Roland Berger Strategy Consultants and Efma, kindly endorsed by Sberbank Europe, conducted a holistic review on gaining efficiency and governance model optimization efforts in the CEE banking region.…

Keywords : Operational excellence/Cost efficiency , Strategy



From the traditional banking system to the customer-centric financial ecosystem
Study Efma, November 2014
Indra and Efma are proud to announce the release of the ‘From the traditional banking system to the customer-centric financial ecosystem’ report. It deals with the following themes: - Where…

Keywords : Customer experience , Strategy



Efma yearbook 2014: A review and analysis of the global retail banking industry
Study Efma, November 2014
The third edition of Efma’s global yearbook is a statistical review of the retail banking industry, and is unique in providing a global perspective on the industry. We have profiled 31 countries…

Keywords : ATM , Branch , Card , Bank Products & Services , Payments , Credit



Insurance in Central Europe: Growth opportunities and strategies in CE insurance
Study Efma, November 2014
In recent years, the business environment in Central Europe (CE) has been challenging for all insurers. Starting in 2013, and especially in 2014 we see regaining confidence and increasing number of debates…

Keywords : Sales management , Insurance Products & Services



Innovation in retail banking 2014
Study Efma, October 2014
Efma and Finacle from Infosys are proud to present the sixth edition of the global innovation in retail banking study. The theme of this year’s study is innovation for customer value. As always,…

Keywords : Innovation , Bank Products & Services



Looking at the bank from the customer's point of view
Study Efma, October 2014
During the summer of 2014, EY was asked to contribute to four think tanks organised by Efma, the global association for retail financial services. The think tanks explored the theme Looking at the bank…

Keywords : Customer experience , Customer loyalty , Customer satisfaction



Banks faced with PSD2: Around payments and beyond, digital wallets and new services
Study Efma, Sopra Banking Software, September 2014
With the Payment Services Directive (PSD) and the second Electronic Money Directive (EMD2), the provision of payment services no longer falls under the scope of the banking monopoly. Such services can…

Keywords : digital wallet , Mobile payment , Mobile payment , payment



Payment innovation: Maximizing the potential of payment analytics
Study Efma, Wavestone, September 2014
This is the first report from the Efma Payment Innovation Think tank, which was formed in early 2014. The Think tank provides a forum at which senior executives from major European banks can meet together…

Keywords : payment , Datamining , Datawarehouse , profitability , Mobile payment , Mobile payment

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.

Check out the Efma reports brochure for more information about the 2016 reports and the reports to come.

Reports are only for Efma members. Is your institution an Efma member