FinTech

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The evolution of the payments value model

How are customers redefining the way payments players make money?

We are seeing a shift in the payments value model from point-of-purchase to one more broadly focused on how and why people pay. We look at the impact this is having on the payments economic value equation.

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SEPA Instant Credit Transfer 

Time to act is now

SEPA Instant Credit Transfer (SCT Inst) has been launched since Nov 2017 across EU as an optional Payment scheme for banks to participate in. Adoption has been mixed across the EU due to PSD2/Openbanking implementation deadlines.

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Retail payment trends: Winning with credit card partnerships

Strategies for driving revenue with co-branded credit cards

Private label and co-branded credit cards can drive value for retailers and issuers. How do you boost revenue despite the stagnant growth in partnership cards? And what are the key levers that issuers and their retail partners can pull to reinvigorate existing partnership card programs?

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Payments modernization:Balancing the risks and rewards

Balancing the risks and rewards

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Beneath the Surface: Technology-driven systemic risks and the continued need for innovation

A report by the World Economic Forum and Deloitte

The accelerated adoption of technology in financial services is giving rise to new sources of risk, which can accumulate across the ecosystem to form systemic risks. These risks are often difficult to interpret and anticipate, and hence, not easily mitigated.

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Getting ahead of the curve

Reviving the relevance of the credit card business

The credit card market, while still profitable, is facing significant headwinds. Learn how issuers can revisit their value propositions and rework their approaches to meet changing customer needs and expectations.

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Building on the digital banking momentum

How banks could influence customer channel preferences

As banks continue to build on the digital banking momentum, they should pay attention to “humanizing” the banking experience, irrespective of the channel. This may not only improve customer satisfaction, but also ensure sticky relationships, especially with younger consumers.

Perspectives

Profiling the winners of the Financial Services Innovation Awards 2021

Breaking new ground

The financial services industry can trace its origins back centuries, but that tradition doesn’t stand in the way of continued innovation. To recognise this progress, we created the Financial Services Innovation Awards, to highlight companies and individuals that are breaking new ground in Ireland.

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FinTech, Brexit and Employment Trends in Ireland's IFS Industry

A Finance Dublin and Deloitte Survey

Deloitte and Finance Dublin have partnered to explore strategies of leading IFS companies in addressing new industry developments and driving innovation within their organisations.

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The new EU AI Act | What do financial services firms need to know?

The EU has published the Artificial Intelligence (AI) Act, its proposal for a comprehensive legislative framework for AI. Firms should assess which of their AI systems are likely to be high-risk and conduct a high-level gap analysis against the Act's essential requirements.

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Social Platforms Disrupt Banking Business Models

Although fintech models provide a vivid depiction of how organizations can embrace digital technology to adopt new business models, social media technology companies are the new disruptors, and the trend is expected to accelerate.

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Implications of digital currencies for bank balance sheets and strategy

All major central banks are engaging with digital currencies, with a degree of urgency reflecting the rapid pace and implications of technological innovation. We recommend banks assess the range of possible scenarios and plausible impacts, with a view to developing near-term response strategies

Perspectives

CFOs and the digital transformation of finance

Finance in a digital world: It’s crunch time!

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Blockchain Lab

Blockchain. The technology that's changing the rules.

Blockchain, the technology likely to have the greatest impact on the next few decades has arrived.

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Crunch time IV: Blockchain for Finance

A series on digital transformation in Finance

 

Explore Blockchain for Finance, the latest installment in our Crunch time series, where we dive deep into business blockchains and how they’re transforming the work of finance organizations around the world.