Banking & Capital Markets  

Beyond Fintech: A pragmatic assessment of disruptive potential in financial services

Fintechs have defined the direction, shape, and pace of change across almost every financial services subsector. While they may not dominate the industry today, they have laid the foundation for future disruption.

This report from the World Economic Forum (Forum) and Deloitte studies the transformative role of fintech and other disruptive forces on the financial services industry. This is the third report Deloitte and the Forum have developed on this topic.

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Digital Banking Maturity Study EMEA

Are EMEA’s banks prepared for the new world of banking?

Comprehensive digital maturity study of 248 financial institutions across 38 countries reveals significant gaps – and opportunities.

A mixture of changing consumer preferences, competition from FinTech start-ups, and regulations like the European Union’s revised Payment Services Directive (PSD2) have been forcing banks in Europe, the Middle East, and Africa (EMEA) to develop their digital capabilities. But not all of them have taken it on board to the same degree. Yet if you ask the banks themselves, nearly each one would consider itself a leader when it comes to digital. So what is the reality?

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Cyber risk and regulation in Europe

A new paradigm for banks

Building resilience to cyber risk in banks is a rapidly growing priority for regulators. This new report, by Deloitte's EMEA Centre for Regulatory Strategy, explains why banks in Europe should expect a growing level of scrutiny from authorities in how they deal with cyber risk, and greater pressure to demonstrate that they are addressing emerging regulatory concerns in a timely way. Taking steps now to get ahead of the game will be crucial.

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