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Results: Reports: 508 found, Exhibits: 2003 found, Presentation & More: 105 found

                                        

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Online Cash Management for Commercial and Small Business Banking: Can One Size Really Fit All?
Analyst Author: Susan Feinberg | March 8, 2010

Banks recognize the critical importance of online solutions for their business clients. These solutions range from sophisticated corporate banking portals to simplified small business online banking products. Third-party solution providers offer robust packaged applications designed to support the full range of online cash management needs across product sets and customer segments. This Research Note discusses how the cash needs of middle-market commercial clients differ from those of small business clients and whether a single online cash management solution can meet the needs of both, an increasingly important question as banks seek to rationalize their technology spending.

Have Lenders Forgotten the Importance of Accurate Pricing in the Wake of the Credit Crisis?
ViewPoint Report: Analyst Author: Bobbie Britting | March 1, 2010

Consumers are shifting from spenders to savers amid the all-time low interest rate environment. Financial services institutions need to be better prepared to deal with consumer price sensitivity on both the deposit and lending sides of the business to rebuild their damaged balance sheets and move toward financial recovery. This TowerGroup ViewPoint discusses how the reinvented more sophisticated forms of pricing management such as price optimization and profit-based pricing can help FSIs adjust to the new economy. The ViewPoint recommends that lenders make better use of data and analytics to offer the right product and price for each customer segment.

Integrated Mortgage Credit and Collateral Risk Management: Overview for Vendor Selection
Analyst Author: Craig Focardi, CMB | February 22, 2010

High mortgage default levels, home price depreciation, weak employment, and regulatory pressure are driving demand for credit and collateral risk management systems. CCRM systems are platforms that integrate credit and property risk assessment with multiple credit and collateral data sources and analytic systems. This TowerGroup technology trends Research Note provides an overview of the CCRM technology and vendor landscape. It defines the CCRM category characteristics, summarizes leading vendors, and forecasts CCRM IT so that financial services institutions (FSIs) can more effectively decide whether to build or buy CCRM systems and differentiate the basic capabilities of each vendor.

Are B2B Payments Portals About to Take Off?
Analyst Author: Steven Murphy | February 22, 2010

During the past decade, the electronification of business-to-business (B2B) transactions progressed steadily. Two primary areas targeted for further B2B electronification are the obvious ones of payments and invoices. In order to create an end-to-end process covering purchase orders, invoices, payments, remittance information, data matching, and general ledger posting, financial service institutions (FSIs) as well as other industry vendors have recently been promoting B2B payment networks. This TowerGroup Research Note discusses the evolution of B2B payment portals, their current state, and the potential end game for the market anticipated by TowerGroup.

Global Stress Testing: Certain Mandate, Uncertain Value
Analyst Author: Rodney Nelsestuen, Bob McDowall | February 15, 2010

The year 2009 saw the first open public demonstration of risks facing the financial services industry as global regulators required stress testing to a specific set of economic inputs. Standard scenarios driven by regulators are insufficient to any given firm, though. Leading FSIs are establishing or expanding their capabilities for stress testing and weaving it into the fabric of their business decision making. Global differences in stress testing requirements increase the likelihood that test results in one part of the industry will lack coordination with test results in other parts, begging the question of whether anyone has a clear view of systemic risks.

Who Owns the Branch of the Future in the Age of Austerity?
ViewPoint Report: Analyst Author: Jim Eckenrode, Nicole Sturgill | February 1, 2010

In July 2009, Bank of America indicated plans to close approximately 10% of its branches because of customers' preference for self-service channels. The strategy is at odds with that of other banks such as KeyBank, TD Bank, U.S. Bank, and JPMorgan Chase, which continue to invest in, if not expand, their branch networks. This TowerGroup ViewPoint considers the future of these competing approaches and predicts a third option, a separation between suppliers and retailers, will emerge as a powerful alternative to the traditional branch structure. The ViewPoint explores these alternatives in light of the impact on the branch of changing regulations, demographics, behaviors, and technology.

2010 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in European Payments
Analyst Author: Gareth Lodge | January 25, 2010

This TowerGroup Research Note considers the top 10 business drivers, strategic responses, and technology initiatives that firms engaged in payments in Europe should be addressing in 2010. It complements the global focus of the other TowerGroup payment services lines, namely, Global Payments and Bank Cards as well as the payment elements within Wholesale Banking. TowerGroup explains why the drivers feature on the list and analyzes the key issues and implications, emphasizing those that have changed most in the previous year. The report then highlights the series of strategic responses and technology initiatives that banks need to set in train to address these issues.

2010 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in European Retail Banking
Analyst Author: Gareth Lodge, Bob McDowall | January 18, 2010

This Research Note identifies the top 10 issues that the European retail banking industry at large will face over the coming year. The list of the top 10 business drivers, strategic responses, and technology initiatives is a result of the collaborative insight that TowerGroup has gained through the research and advisory work it does across the European retail banking value chain. TowerGroup has a privileged position, working with key players in every part of the value chain from banks to processors and from vendors to outsourcers. Through ongoing discussions, TowerGroup distills the themes found in this document and seeks to answer the question "So what should my business do?"

2010 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in Wholesale Banking
Analyst Author: Susan Feinberg, Andy Schmidt, Steven Murphy | January 11, 2010

This Research Note presents TowerGroup's fourth annual analysis and prediction of the key challenges and opportunities facing the wholesale banking industry. In this report, TowerGroup identifies the top 10 business drivers that we believe will have the greatest impact on wholesale banking in 2010, and we identify and analyze the top 10 strategic responses and technology initiatives we believe successful institutions will put in place in order to maximize the opportunities for 2010 and beyond.

2010 Top 10 Business Drivers, Strategic Responses, IT Initiatives in US Mobile Banking and Payments
Analyst Author: George Tubin, Brian Riley, Andy Schmidt | January 11, 2010

The economic recession has curtailed investment in mobile banking and payments solutions in the United States. Financial services executives sense the intrinsic value of mobile, but TowerGroup believes most will proceed cautiously as the market demand for mobile commerce continues to evolve and the technology solutions become more mature. This Research Note provides TowerGroup's insights on what lies ahead in 2010 in the consumer market for mobile banking and payments by identifying the 10 most important business drivers for the industry and defining the essential strategic responses and technology priorities.

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TowerGroup Live (Recording) The Top 10 of the Top 10 for 2010 (PDF 839 Kb)

Presented by: Jim Eckenrode and Rodney Nelsestuen

Instability within the global financial services industry is now entering its third year, with some hopeful signs, but much work left to do. Finance ministers of the world’s major economies continue to wrestle with the challenges of harmonizing and modernizing regulatory oversight, determine adequate levels of capital, and decide how big is “too big to fail.” Financial institutions are reconsidering how much risk to take on, how to enhance their value, and what parts of the business to keep. Finally, clients are re-evaluating their relationships, utilizing new technologies to serve themselves, and changing their spending, saving, and investing behaviors.

This TowerGroup Live will identify the business drivers impacting financial institutions in 2010 and provide a discussion on the strategic responses and technology initiatives that FSIs are choosing in response.


TowerGroup Live (Recording) 2010 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in Financial Crimes Management (PDF 1152 Kb)

Presented by: Rodney Nelsestuen and George Tubin

Most financial services institutions respond to financial crime defensively or for regulatory compliance purposes, but leading institutions are taking a proactive approach. This TowerGroup Live describes how FSIs can manage the complexities of rapidly changing fraud risk with new technologies that provide a marketplace edge. Despite fatigue or disenchantment with "enterprise" projects, leading FSIs are adopting an enterprise approach to financial crimes management using new fraud management solutions integrated with enterprise-wide risk management. A bonus and primary driver for some institutions is the resulting cost savings from eliminating duplicate effort.


TowerGroup Live (Recording) 2010 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in Retail Banking and Delivery (PDF 454 Kb)

Presented by: Bob Hunt and Nicole Sturgill

In 2010, retail banking and its communication mechanism, delivery channels, will contend with an amalgam of changes rarely seen before. Although surviving the financial crisis was the major concern for financial institutions in 2009, in 2010 banks must balance a triple whammy of revenue-impacting legislative proposals, consumers' changing preferences for channel access, and a radical shift from a spending society to a saving society.

No matter how much a financial institution wants to invest in new and replacement technologies, projects to comply with the new regulations will trump all. Beyond that, financial institutions will have to make difficult decisions – to replace aging technology, to pursue continued multichannel integration, or to invest in business intelligence and predictive analytics to develop products and services that appeal to customers (and that they just might be willing to pay for).

This TowerGroup Live will identify the business drivers impacting banks in 2010 and provide a discussion on the strategic responses and technology initiatives that banks are choosing in response.


TowerGroup Live (Recording) 2010 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in Wholesale Banking (PDF 316 Kb)

Presented by: Susan Feinberg and Steven Murphy

This TowerGroup Live presents our fourth annual analysis and prediction of the key challenges and opportunities facing the wholesale banking industry. In this presentation, TowerGroup identifies the top 10 business drivers that we believe will have the greatest impact on wholesale banking in 2010, and we identify and analyze the top 10 strategic responses and technology initiatives we believe successful institutions will put in place in order to maximize the opportunities for 2010 and beyond.


TowerGroup Live (Recording) 2010 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in Investment Management (PDF 1374 Kb)

Presented by: Dushyant Shahrawat and Dayle Scher

The global asset management business has had a wild ride in 2008 and 2009 with mutual fund assets and hedge fund assets declining precipitously. Although asset levels have rebounded smartly from their lows of March 2009 and the profit forecasts for 2010 look encouraging, investment firms will not forget the experience of the last two years. If 2009 was analogous to the dark ages for investment management firms, then 2010 will be the renaissance. This TowerGroup Live discusses the 10 most important business drivers and the strategic responses, and technology priorities spurred by them that asset managers will focus on in 2010.


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