ANALYST VIEWS

INSIGHTS

ANALYST VIEWS

Filter By:
E.g., 2020-06-30
E.g., 2020-06-30
April 10, 2017
You are forgiven for having bigger headlines to focus on, as these are confusing times. Envisioning 20 to 40 years from now takes a backseat to the day-to-day with so many concerns for the average individual and family. At least half of baby boomers are navigating healthcare costs and lower fixed incomes, Gen Xers are straddling college costs and eldercare, and the millennials starting out are...
Read Full Post
Denise Valentine
March 14, 2017
A recent article in the American Banker asked the question “Is it OK for lending algorithms to favor Ivy League schools?” It begins by saying that much of the energy behind the fintech movement (to become chartered banks) comes from its promise of financial inclusion. Unfortunately, that is really not the goal of the fintech, aka alternative lender, movement—making money is. And what is the...
Read Full Post
Christine Pratt
March 14, 2017
People have engaged in person-to-person (P2P) payments for centuries–beginning with the barter system, through the invention of money and checks, and in the digital age, in which funds can be exchanged electronically via online and mobile applications. The size of the U.S. P2P payments market is driving intense competition between financial institutions (FIs) and alternative P2P...
Read Full Post
March 7, 2017
Swap execution facilities have been meandering along for three years now, most of the nonincumbents dropping by the wayside, volume in the doldrums for over a year, and … boom! By the end of Q4 2016, this market is finally starting to get spicy: On the heels of Brexit becoming very real in the European Union and Trump having a surprise victory, U.S. interest rates unmistakably bottomed late...
Read Full Post
David B. Weiss
March 6, 2017
Despite the outlook on blockchain adoption for financial services starting to move from excitement to criticism, trade facilitation business processes represent a stronghold for blockchain-based programs, as long as basic change management principles hold true. There is a mounting debate about the limits of blockchain in the world of financial services. Financial consortia R3 and Swift declare...
Read Full Post
March 6, 2017
R3’s recent announcements warn banks to carefully watch blockchain as long as the technology remains immature. This comes at a time when blockchain-based initiatives see financial institutions taking the driver’s seat. The path to blockchain maturity demands the guiding role of bank industry independent associations, exactly what R3 is. This article takes the perspective of corporate banks. R3...
Read Full Post
February 27, 2017
On February 23, 2017, the European Banking Authority (EBA) published its final report on the draft regulatory technical standards (RTS) on strong customer authentication (SCA) and common and secure communication. The EBA was tasked to develop the RTS under Article 98 of EU Directive 2015/2366 (PSD2). This final report was awaited with anxiety by the market. The consultation document published...
Read Full Post
February 22, 2017
Blockchain technology (aka chaintech) applied to capital markets has been lauded as the next big thing in database management and ridiculed as vaporware, depending on who one asks. The “in operation” test, meaning real actors and real assets transacting on a blockchain, is a decade away according to the skeptics. But news out yesterday by Northern Trust and IBM suggests that this far, far...
Read Full Post
Javier Paz
February 22, 2017
With the departure of Forex Capital Markets (FXCM) from the U.S., leadership change, etc., financial reporters far and wide are asking for perspective on these events. Some go as far as probing whether this is the end for the U.S. retail foreign exchange (FX) industry—to which I say, no, it isn’t the death of retail FX in the U.S. since there are still three authorized brokers (Gain Capital,...
Read Full Post
Javier Paz
February 21, 2017
This year’s "FinovateEurope" took place in London on February 7 and 8, 2017, attracting more than 1,500 visitors. Following the tested concept, fintech companies had the opportunity to present their ideas to the audience in a seven-minute pitch. Despite—or perhaps thanks to—the limited time available, most presentations came out crisp and clear. Less is more. Who was expecting young geeks...
Read Full Post

HOW CAN WE HELP?

If you have a question specific to your industry, talk with an Aite Group analyst.  Call us today to learn about the benefits of becoming a client.

 

Receive email updates relevant to you. Subscribe to entire practices or to selected topics within practices.