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1
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Mobile Payments: Shifting from Point Solutions to Holistic Offerings in the United States |
Aug 2009 |
$1,750.00 |
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Shifting consumer behavior will drive financial services institutions (FSIs) to integrate a broad range of mobile payment types.
A well-executed mobile wallet solution will enable consumers to securely manage multiple accounts of different
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Published by: TowerGroup
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2
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General Ledger Systems in the Age of Resurgent Regulatory Reporting: Time for a Change |
Aug 2009 |
$1,750.00 |
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Looking toward 2010, banks can expect global regulators to continue asking for new data and revising regulations, compelling them to both enhance and increase the flexibility of their regulatory reporting capabilities.
Banks' general
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Published by: TowerGroup
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3
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TowerGroup 2009 Electronic Trading Survey: Where the Sell Side Thinks the Industry Is Going |
Aug 2009 |
$1,750.00 |
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In a 2009 TowerGroup survey, sell-side traders indicated they believe that execution quality is what the buy side values the most in the services provided by institutional brokerage firms.
Survey respondents indicated they
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Published by: TowerGroup
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4
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Transaction Banking in Asia-Pacific: Navigating the Large and Rewarding Course |
Aug 2009 |
$1,750.00 |
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Transaction banking is a major focus of many financial services institutions (FSIs) around the globe. One of the reasons is quite simple: Despite the economic downturn and subsequent meltdown of the past 12-24 months, transaction
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Published by: TowerGroup
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5
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Summer Blockbuster: Consumer Online Banking Moves from Supporting Cast to Lead Actor |
Jul 2009 |
$1,750.00 |
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With the number of online banking users increasing at a global compound annual growth rate of 20% through 2012, online banking is poised to become the primary customer touchpoint in the next 10 years.
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Published by: TowerGroup
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6
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Global IT Spending Forecast for Risk Management: A Growth Opportunity for Business and Technology |
Jul 2009 |
$1,750.00 |
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Globally from 2006 through 2008, financial services institutions' (FSIs') IT spending on risk management grew at a compound annual growth rate (CAGR) of 5.8% to $24.65 billion annually.
From 2009 through 2012,
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Published by: TowerGroup
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7
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Decision Management in Consumer Banking: Slowly Moving Toward an Integrated Supporting Framework |
Jul 2009 |
$1,750.00 |
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Consumer banks have suffered the consequences of poor decision-making infrastructure, and even banks with no exposure to subprime mortgages are enduring losses.
Lines of business too often make critical decisions regarding consumers in
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Published by: TowerGroup
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8
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Regulatory Reformation in US Consumer Lending: Permanent Solutions or Quick Fixes? |
Jul 2009 |
$1,750.00 |
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A new era of regulatory reformation has begun, a period of compliance-driven lending with greater enforcement, replacing an era when reluctant regulators were slow to enact new consumer protection laws.
From July 2008
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Published by: TowerGroup
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9
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Options for Recovery: Tools for Mortgage Lenders to Thrive Past the Bottom |
Jul 2009 |
$1,750.00 |
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US mortgage lenders need a mixed set of tactics to address the near-term focus on refinances and the longer-term return of a purchase market.
Because of the new US Home Valuation Code of
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Published by: TowerGroup
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10
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Risk Management, Operational Excellence, and Customer Retention: Opportunities in the Architecture |
Jul 2009 |
$1,750.00 |
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IT spending has declined in 2009, but financial institutions and technology vendors can find mutually beneficial opportunities through investing in the business and IT architecture today.
As economic conditions improve, financial services institutions
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Published by: TowerGroup
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11
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Improving Commercial Loan Origination with Enterprise Content Management |
Jul 2009 |
$1,750.00 |
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Although most commercial lenders have implemented document imaging solutions as part of the post-closing process, only a few lenders use imaging as an integral part of the origination process.
Managing documents is difficult
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Published by: TowerGroup
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12
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The Market for Payments Outsourcing in Europe: An Introduction |
Jun 2009 |
$1,750.00 |
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TowerGroup has long believed that outsourcing in Europe is inevitable based on the experience of banks in the United States.
Outsourcing covers a range of approaches, not all of which will prove successful
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Published by: TowerGroup
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13
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US Regulatory Reform: The Labors of Hercules Revisited |
Jun 2009 |
$1,750.00 |
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The five regulatory reform objectives published by the US administration in June 2009 are well intended but would better serve the financial services industry if rewritten to delineate the role of government in the future
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Published by: TowerGroup
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14
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Waiting for the (Payments) Hub: A Play in Three Acts |
Jun 2009 |
$1,750.00 |
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Payments hubs address the last remaining efficiency frontier available to the payments industry: shared services.
As of September 2008, only five publicly announced payments hubs projects were under way globally in an environment
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Published by: TowerGroup
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15
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The Conyers and Durbin Credit Card Bills: What They Could Mean for Commercial Cards |
Jun 2009 |
$1,750.00 |
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Bills before each house of Congress entitled The Credit Card Fair Fee Act of 2009 have serious implications for commercial cards, the banks that issue them, the merchants that accept them, and the corporates and
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Published by: TowerGroup
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16
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Regional Fragmentation of G-20 Systemic Risk Initiatives: The Runes Are Appearing |
Jun 2009 |
$1,750.00 |
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Regional systemic risk initiatives that encompass other agendas could fragment the G-20's initiatives, turning Basel-style integrated risk management frameworks into a tower of Babel.
Regional initiatives expose the cultural, business, and political sensitivities
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Published by: TowerGroup
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17
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North American Securities and Investment Firms' IT Spending: Tightening the Tourniquet as Wounds Heal |
Jun 2009 |
$1,750.00 |
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North American securities and investment firms' spending will not return to 2007 levels until after 2012; spending on regulatory compliance will take precedence.
IT efficiencies will be led by reductions in proprietary
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Published by: TowerGroup
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18
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Survive or Thrive: Risk, Market Share, and the Greater Fool in Financial Services |
Jun 2009 |
$1,750.00 |
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A shift in the risk-reward relationship is driving financial services institutions' (FSIs') boards to develop strategic risk statements that are as important as vision statements are to strategy.
Operational excellence creates an
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Published by: TowerGroup
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19
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Why the Contact Center Still Matters in Retail Banking |
Jun 2009 |
$1,750.00 |
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TowerGroup believes that retail banking contact centers must manage to four key performance indicators, regardless of location: cost per contact, customer satisfaction, first-contact resolution rate, and agent utilization.
Worldwide spending on contact center
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Published by: TowerGroup
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20
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Beyond the Paper Scourge: Unleashing the Business Value of Electronic Content Management |
Jun 2009 |
$1,750.00 |
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Each year, manual processes, paper documents, and mailing expenses cost US financial services institutions (FSIs) over $80 billion (USD), which is a figure enterprise content management (ECM) can reduce.
Although a mere 10%
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Published by: TowerGroup
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21
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Mobile Banking and Payments, April 2009: Leaders, Laggards, and New Trends |
Jun 2009 |
$1,750.00 |
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The mobile payments market got a major boost in April from the launch of the first commercially available near field communication (NFC) deployment in Asia.
Burgeoning consumer demand is driving new entrants into
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Published by: TowerGroup
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22
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Just Rewards: Adapting the Credit Card Loyalty Feature to a Debit Card World |
Jun 2009 |
$1,750.00 |
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Spending on debit cards in the United States exceeded credit card spending for the first time in Q1 2009 as financially weakened, less confident consumers reduced their overall spending and chose to pay now, not
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Published by: TowerGroup
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23
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Commercial Card IT and Innovation: Not "Star Trek" but Inexorably Moving Forward |
Jun 2009 |
$1,750.00 |
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Transaction services, one of the few bright spots in global banking, is receiving discretionary information technology (IT) dollars.
IT spend on commercial cards will continue in line with banks' investments in their transaction
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Published by: TowerGroup
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24
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Alliance Lite: Not Your Traditional SWIFT Connection |
Jun 2009 |
$1,750.00 |
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Alliance Lite is a new service from the Society for Worldwide Interbank Financial Telecommunication (SWIFT) that gives low-volume users access to SWIFT and SWIFTNet without requiring an additional investment in technology.
The current
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Published by: TowerGroup
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25
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A Renewed Interest in Claims: The Treasury Market Practices Group's Fails Charge |
Jun 2009 |
$1,750.00 |
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The Treasury Market Practices Group's (TMPG's) recommendation for a penalty for a settlement fail in US Treasury securities will be felt across the global financial services industry.
The buy side in financial
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Published by: TowerGroup
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