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Thematic Analysis
NewStrategic Partnerships in Fintech – Thematic Intelligence
The digitization of banking drives disaggregation. Ever smaller pieces of the banking value chain can be bitten off by highly specialized new entrants. This creates partnership opportunities with best-in-class, specialist players across front, middle, and back-office functions. We organize the analysis in this report around four main categories of partnership, and highlight illustrative partnerships within each area. The categories are ‘enabling technology,’ whether core banking or front-end channel technology; ‘banking products and services,’ which subsumes more product-specific, customer-facing tech capabilities;...
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Company Insights
NewGroupe BPCE – Digital Transformation Strategies
Groupe BPCE Digital Transformation Strategies Overview Groupe BPCE has been leveraging artificial intelligence, blockchain, digital payment technologies, and robotic process automation to digitally transform both its front and back-office operations. The annual ICT spending of BPCE was estimated to be $1.2 billion for 2023. A major share of this spending was for acquiring software, network & communications, and hardware from vendors. offers a wide range of financial products and services to retail customers, companies, and institutions through its eight lines...
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Government & Regulation
United States (US) Insurance Industry – Governance, Risk and Compliance
United States (US) Insurance Industry Regulation Overview The National Association of Insurance Commissioners (NAIC) and Federal Insurance Office (FIO) regulate the US insurance industry along with other regulators and supervisors, including the International Association of Insurance Supervisors (IAIS), the American Insurance Association (AIA), National Association of Mutual Insurance Companies (NAMIC), Property Casualty Insurers of America (PCI), Reinsurance Association of America (RAA), and the American Council of Life Insurers (ACLI). The United States (US) insurance industry governance regulation research report provides...
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Thematic Analysis
Fintech – Thematic Intelligence
Fintech Thematic Report Overview Fintech, a portmanteau of ‘finance’ and ‘technology’, originally referred to a variety of new entrants, free from legacy. It is often able to bypass bank regulation operating primarily direct-to-consumer business models. These early entrants were positioned by some analysts and their marketing rhetoric, as disruptors, out to “break the banks.” Primarily, there was much disruption, in terms of disintermediating incumbents at the customer engagement level but what followed more often was a mutually beneficial partnership, with...
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Analyst Opinions
Branches to Bots – How Startups Reimagine FinTech
FinTech Startups Report Overview The journey of FinTech, progressing from its foundation era of 1.0 to the dynamic landscape of 4.0, marks a transformation from basic digitization efforts to the seamless integration of AI technologies. Amidst this evolutionary trajectory, startups have emerged as a key force, igniting substantial shifts within the banking and payments sector. In the current phase, Artificial Intelligence (AI), Machine Learning (ML), and Robotic Process Automation (RPA) revolutionize the FinTech landscape. Blockchain-led decentralized financial systems have emerged...
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Company Insights
dacadoo – Tech Innovator Profile
This report provides insights into dacadoo, including an overview of the company and its product offering, detailed coverage of its business model and operations, information on its funding and partnerships, and biographies of its senior management. Dacadoo is a provider of digital health and wellbeing solutions that help individuals track, manage, and benchmark their fitness levels. It enables life and health insurers to customize their white-label solutions and deploy their own-branded health engagement platforms for customers, enabling life and health...
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Company Insights
Personal Capital – Tech Innovator Profile
Personal Capital provides online financial tools and financial advisory services that help individuals track, manage, and holistically view their finances on a single dashboard. Personal Capital also offers wealth management services to investors by combining its online tools and fiduciaries for managing a financial portfolio.
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Company Insights
Zego – Tech Innovator Profile
This report provides insights into Zego, including an overview of the company and its product offering, detailed coverage of its business model and operations, information on its funding and partnerships, and biographies of its senior management. Zego (a trading name of Extracover Limited) is a London-based insurance technology startup that provides pay-as-you-go insurance services to gig economy workers as well as liability insurance for professionals and businesses. Gig economy workers include drivers working for sharing economy companies such as Deliveroo,...
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Company Insights
Mortgage Brain – Tech Innovator Profile
Mortgage Brain provides mortgage software solutions, primarily to its 22,000-strong intermediary base. Established as a mortgage-sourcing software provider, Mortgage Brain now offers various white-label software solutions and mobile apps. These help advisors and lenders with mortgage client management while offering consumers mortgage advice. Its solutions allow users to complete a mortgage application online as well as securely exchange documents and messages. The company is backed by six of the UK’s largest mortgage lenders: Barclays, Lloyds Bank, Nationwide Building Society, RBS,...
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Company Insights
ForgeRock – Tech Innovator Profile
This report provides insights into ForgeRock, including an overview of the company and its product offering, detailed coverage of its business model and operations, information on its funding and partnerships, and biographies of its senior management. ForgeRock is a digital identity management company providing a centralized gateway platform for businesses and financial institutions to manage customer identity and access management (IAM). ForgeRock offers solutions across identity management, access management, user-managed access, directory services, identity gateway, and common shared services. These...
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