Analysis

Closer Look series

Take a closer look at what's happening in the financial services industry

Our Closer Look series provides quick insights on deep dive issues. Learn what’s happening in the Banking & Securities, Insurance, Investment Management, and Real Estate markets in these short reads.

Delivering client value in transaction banking

How can transaction banking leaders adapt to the "new normal" by reexamining the ways in which value is delivered to corporate clients, better understanding the cost of serving them, and building a clearer picture of the profitability of these relationships?

While the transaction banking business enjoyed strong financial results in the early days of the financial crisis, revenues have recently flattened or declined. With increasing costs around technology and compliance, transaction banking leaders are being forced to adjust to the "new normal," making difficult decisions to hive off parts of their business that might not deliver returns and focus on best-bet opportunities.

To get to a more profitable future, transaction banks need to differentiate themselves by understanding their clients' views on banking relationships.

Take a Closer Look at our paper to understand:

  • What clients may be looking for in their banking relationship
  • How cost-cutting and automation may be negatively impacting the banking relationship
  • Strategies banks can take to improving client satisfaction while improving bottom-line growth

Mobile banking in a post-channel world: New vision and new strategies

Mobile banking in a post-channel world

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In spite of growing usage rates, many customers have yet to adopt mobile banking. Perhaps more troubling, the industry remains stuck in a me-too mode: slight innovations, quickly replicated, bring no significant advantage to the pioneer. Meanwhile, many banks have yet to go beyond cost control and drive revenues through mobile. And perhaps more importantly, banks haven't fully leveraged the mobile technologies available today, such as biometric authentication, video features and location sensing.

The growing ubiquity of mobile devices, the proliferation of mobile endpoints, and the rapid evolution of mobile technology challenge banks to revisit old assumptions about mobile's role in customer interactions. In the not too distant future, the notion of "mobile" will evolve to include a multiplicity of devices, beyond smartphones and tablets. This will force banks to rapidly adapt to the "post-channel" world, where channel distinctions are less important and improving customer experience becomes the supreme goal.

How can banks increase mobile adoption rates, differentiate the mobile experience to boost customer loyalty, and move beyond cost savings to monetization?How can banks increase mobile adoption to maximize potential impact, differentiate the mobile experience to boost customer loyalty, and move beyond cost savings to monetization? View this Closer Look for a quick read on mobility trends in banking.

Mobile engagement: Insurers look to connect with consumers on the go

Mobile engagement

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While many insurance companies have adapted their basic online services for mobile platforms, the Holy Grail of differentiation has yet to be seized by most industry players. To accomplish that feat, carriers will have to better capitalize on the unique capabilities of smartphones and tablets as well as other types of mobile technology so they can engage more fully with both clients and their own personnel over such devices.

How can insurance carriers better capitalize on the unique capabilities of the mobile channel and rise to the mobile technology challenge?  This Closer Look offers insight into mobility trends in insurance.

Investment management, mobility, and managing investor security concerns

The investment management industry, like many other industries, is in the process of developing mobile offerings for both clients and advisors. In many ways, the current state of the mobile channel harkens back to the early days of the Internet. Remember when simply having a website could set you apart from your competitors? Investment managers had vociferous debates about the value of the Internet, the return on investment of websites, what types of information and functionality to offer, and of course, on the safety and security of the Internet channel. These very same debates are happening now with regard to the mobile channel.

How can investment management firms capitalize on the demographic of mobile users, many of which fall into the affluent or emerging affluent segment? How can firms overcome security concerns? View this Closer Look for a quick read on mobility trends in investment management.

Chinese investment in U.S. real estate: Collaborate and benefit

Chinese investors have been riding the U.S. commercial real estate (CRE) wave, perhaps motivated by the gradual shift in the Chinese government’s policy to promote outbound investments and their preference for investing in real estate that provides comparatively modest and stable returns.

From January 2005 to March 2014, Chinese investors made direct acquisitions of $8.5 billion in U.S. CRE. Of this, $5.8 billion has been invested in the 15-month period, January 2013 through March 2014. Consequently, China has emerged as the second-largest foreign investor, after Canada, with an eight percent share of the total cross-border investments in U.S. CRE.

What does this mean for the U.S. CRE sector?

Download this Closer Look to hear our analysis on the Chinese investment strategy in U.S. CRE and ways in which U.S. real estate players can benefit from the trend.

 

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