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Thematic Analysis
Artificial Intelligence (AI) in Banking - Thematic Research
In banking, AI use cases range from enhancing client interactions through chatbots to providing better loan terms through data-driven risk assessments, and the automation of laborious back-end processes. Banks can realize the benefits of AI in cost savings, quality improvements, an expansion of their services, and increased personalization in these product offerings. AI can galvanize waning banks and provide them with new income sources while increasing the value they derive from current sources. The AI in banking thematic research report...
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Sector Analysis
United Kingdom (UK) Mortgage Market 2020 - Review, Forecasts, and Future Opportunities
The UK mortgage market was characterized by an initial slowdown in mortgage activity in 2020, followed by a significant rise, with overall mortgage balances outstanding 3.1% higher in January 2021 than at the same point in 2020. This can largely be attributed to changes in stamp duty, creating an incentive for consumers to buy property. Residential mortgage lending growth is set to continue at a steady pace, reaching £1,730bn in 2025 - up from £1,499bn in 2020 at a compound...
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Sector Analysis
Driving Mortgage Strategy 2021
This report provides insight into a selection of successful mortgage players globally. This includes a deep-dive analysis of five lenders in four countries, examining what each player did to improve their mortgage proposition over at least a decade and how successful their efforts were. We also outline the key strategic initiatives of each provider and their effect on the lender’s overall performance. With the emergence of sustained low interest rates in the early 2010s, combined with the later advent of...
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Sector Analysis
Disrupting Retail Banking - The Era of Big Tech
This report provides in-depth analysis into the financial services strategies of technology companies. We look at their paths up until now, the products and services they have developed, their likely next moves, and how effective they will be at displacing the primary account relationship incumbent banks currently hold. The increasing role technology plays in 21st century life has led to the banking sector being the latest industry to be disrupted. This has led traditional incumbent banks to make technology a...
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Thematic Analysis
Banking Sector Scorecard, 2021 Update - Thematic Research
This report assesses the key themes that are transforming the banking market right now, utilizing our thematic scoring methodology to identify which companies will do well in the market in the future - and the companies that will falter as a result of their lack of investment in the key banking themes. In this report, we score the world’s leading banking players against the 10 themes that are impacting their industry the most. Our resulting thematic engine helps us identify...
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Thematic Analysis
Adapting to Ultra-Low Interest Rates - Thematic Research
This report offers an in-depth analysis of the financial services strategies of retail banks adapting to the ultra-low interest rate environment. We look at their strategy to diversify their streams of revenue as well as move into new business areas and analyze how well they will adapt to macroeconomic challenges that are affecting the entire industry.
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Sector Analysis
Targeting Generation Z in Financial Services
Generation Z have new expectations within financial services. The cohort can be described as young, ambitious, tech-savvy, and even influencers of the future. They have grown up during some of the key innovations and fintech launches around the world. In the current market, it is essential that FS providers try to better understand who Generation Z are, what they want, and how to best market their products and services to attract them. This report takes a deep dive into Gen...
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Thematic Analysis
Alternative Financial Credit Scoring - Thematic Research
Alternative lenders and big tech have developed fundamentally new approaches to credit assessment, incorporating a wider variety of data sources such as history of utility bill payments, rent payments, repayments to payday lenders, social media data, browsing and search history, employment history, educational background, and even psychometric testing. This report explores the alternative approaches to credit scoring that are being deployed in the financial services industry.
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Sector Analysis
Singapore Retail Banking 2020 - Review, Forecasts, and Future Opportunities
Singapore’s retail banking sector has seen steady growth year on year, but the impact of COVID-19 has caused uncertainty in the market. In light of the pandemic, Singapore’s GDP is expected to fall to -6.07% in 2020 but is forecast to improve in 2021, suggesting signs of economic recovery. A significant increase in unemployment will occur in 2020, while corporate bankruptcies are likely to increase in the coming months according to the country's financial regulator and central bank, the Monetary...
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Sector Analysis
China Retail Banking 2020 - Review, Forecasts, and Future Opportunities
This report explores trends in the Chinese retail banking sector as well as insight into consumer preferences and behaviors. It highlights some of the most important data points available on the performance of the sector comparable to other markets, as well as the performance and perception of firms within the industry. New trends and innovations are also noted, as are the implications of COVID-19. Growth in the Chinese retail banking sector has been strong over the past decade. COVID-19 has...
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