2022/09/30
Experiencing product value before purchase drives growth—Product-Led Growth:PLG •This is a primer for those who are not so familiar with Product…
Research related to Comarch PowerCloud
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2022/07/24Investment Culture Has Rooted in Japan, However Spread of Open APIs Is Slower than Expected In Japan, a country with a large amount of personal…
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2022/02/09The colocation market is thriving. Although highly associated with high frequency traders utilizing ultra-low latency trading strategies, exchan…
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2021/11/17
Not long ago insurers were resistant (or, at best hesitant) to move legacy data and applications to any place outside of the control of their ow…
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2021/08/18The market for IT services continues to grow as providers rebound in the wake of the pandemic. On one end, commoditization of technology infrast…
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2021/06/21This year, Celent interviewed 25 chief information officers and senior technology leaders of global market infrastructure (MI) to understand the…
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2021/05/18As the world finally turn the page to a new post-pandemic chapter, the Wealth Management industry has reason for cautious optimism. While much u…
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2021/04/28
Technology-driven change is accelerating in the buy side front office according to senior buy side executives who participated in an exclusive C…
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2021/04/04The IT services market is dynamic, and vendors active in this market help insurers capture the value of relevant technologies to enhance their d…
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2021/04/03The IT services market is dynamic, and vendors active in this market help insurers capture the value of relevant technologies to enhance their d…
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2021/03/10The promise of delivering Americans low-cost and attractive banking services using an efficient, state-of-the-art tech stack has been an allurin…
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2021/03/10This Model Bank report uncovers how Discover Financial Services quickly adjusted to the challenges the pandemic created by enabling its agents t…
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2021/03/08The virtual “That Was Easy!” button just got e-pushed, machines let us do old things in new ways. During the last year, rapid advances in Data,…
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2020/12/08The world had a tough 2020 but, unlike the 2008 financial markets crisis, this time capital markets emerged as the hero as governments worldwide…
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2020/11/292020 was a disruptive year in AML because COVID-19 forced financial institutions to reprioritize planned initiatives and redeploy resources to t…
Research related to Comarch Life Insurance
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2023/03/19This report in the Health Policy Administration series focuses on the perceptions of the insurers in their vendors. In the lead report, Celent s…
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2023/03/08Are emerging technologies providing cost-effective options to manage closed block policies? In the L&A insurance segment, millions of policies t…
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2022/12/21Health insurers are no longer simply paying medical bills and underwriting health. They are also supporting customers in various times of their…
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2022/12/12Have you wondered what changes were implemented for underwriting during the pandemic and how life insurance underwriting changed over the past t…
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2022/11/30COVID-19 and the underlying macroeconomic environment forced life insurers to deeply examine their product offerings and business processes beca…
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2022/11/29Since the onset of COVID-19, the life insurance industry had to make some dramatic changes. The pandemic forced life insurers to digitize rapidl…
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2022/09/28This research will provide an overview of the insurance market and technology trends in Australia and New Zealand. We will provide examples of i…
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2022/09/13Life Insurance Underwriting - Is It Changing Fast Enough? Every two years we do a deep dive into life insurance underwriting systems. We look at…
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2022/08/18In this report, we look at how data solutions play a role to provide support for actuary and underwriting functions in the insurance value chain…
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2022/08/05What is Takaful Insurance? Takaful, often referred to as 'Islamic insurance', is a way for businesses to mitigate the financial risk of unforese…
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2022/07/13Some loyal readers may be surprised by my authorship of a blog post. I suppose this my reintroduction to Celent. Prior to mid-2020, I led the Am…
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2022/04/11As part of Celent's Innovation and Insight Week 2022, a roundtable was conducted for the data, analytics, and AI theme on the topic of 'Data Inn…
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2022/03/18The global pandemic forced many insurers to accelerate the digitalization of their businesses. This came with a record number of policy administ…
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2022/03/09The last two years have seen life insurers move from complete uncertainty as to how to handle the change COVID thrust upon them to them making t…
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2022/02/27Celent profiles 19 PAS in use or being marketed for the administration of North America group and voluntary life protection products, annuities,…
Research related to Comarch Loan Origination
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2023/03/18Many homeowners who’d like to move are staying put because they have an attractive mortgage rate that they don’t want to give up; a portable mor…
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2023/02/01Vehicle finance (cars, motorcycles, boats, and recreational vehicles) finance has not escaped disruption from the trends of digitization, digita…
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2022/11/11Over three weeks in September 2022, Celent Banking team ran an online survey where we invited our contacts in the industry – clients and non-cli…
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2022/11/08I expected that the US Mortgage Bankers Association (MBA) Annual Convention (https://www.mba.org/conferences-and-education/annual-convention-exp…
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2022/10/03Craig Focardi, CMB With only three weeks to go before the US Mortgage Bankers Association Annual Convention in Nashville (https://www.mba.org/co…
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2022/07/28The mortgage market in Canada has been growing strongly over time, and is now facing a period of technology-enabled transformation. The landscap…
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2022/07/24The commercial loan origination and underwriting process still looks the same as it did 20 years ago. It starts with developing leads and fleshi…
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2022/07/11Despite the rapid growth of digital automation with digital point-of-sale solutions, loan origination systems, automated underwriting, and data…
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2022/06/22The UK mortgage market is at an inflection point due to higher interest rates, declining lending volumes, and customer demand for a better, tech…
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2022/05/20On May 4, 2022 Intercontinental Exchange, Inc. (ICE) announced that it entered into a definitive agreement to acquire Black Knight, Inc. (“the t…
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2022/04/19Despite the rapid growth of digital automation with digital point-of-sale solutions, loan origination systems, automated underwriting, and data…
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2022/04/08Over the past five years, a few banks have mastered the formula for success in small loan origination. They are leveraging their incumbent advan…
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2022/03/15The imperative for financial institutions (FIs) to undergo digital transformation has only increased during the past two years. Many FIs are in…
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2022/03/15America’s Credit Union transformed the way it provides consumer loans to its members. It previously sourced automobile loans through indirect (d…
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2022/02/18From every crisis springs innovation. From the financial crisis of the late 2000s, seeds of small business credit innovation were sown, fertiliz…
Research related to Comarch Business Intelligence in Banking
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2023/03/08The launch of ChatGPT in November of 2022 by OpenAI and Microsoft has brought an acute and immediate focus on the impact of large language model…
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2023/03/04The debut of ChatGPT, a product of the joint venture between OpenAI and Microsoft in November 2022, has catalyzed a comprehensive examination of…
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2023/03/04The vision of a "co-pilot" for every profession is no longer a moonshot. ChatGPT and other large language models (LLMs) represent augmented inte…
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2023/03/02The launch of ChatGPT in November of 2022 by OpenAI and Microsoft has brought an acute and immediate focus on the impact of large language model…
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2023/02/23Earlier this year my colleague, Gareth Lodge, published research about the adoption of ISO 20022 around the world. The requirement for Swift ban…
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2023/02/22A recent companion report, Unlocking Treasury Insights: Road Map to Intelligent Solutions (January 2023), outlined the cash management and liqui…
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2023/02/04After the initial implementation of RPA and after insurers have addressed the ‘low-lying-fruit” for process automation, many ask “what’s next?”,…
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2023/02/01
Vehicle finance (cars, motorcycles, boats, and recreational vehicles) finance has not escaped disruption from the trends of digitization, digita…
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2023/01/22In times of economic stress, with high inflation, increasing borrowing costs, and exchange rate volatility, tools for managing liquidity become…
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2023/01/21In late 2022 I posted on the criticality for treasuries to manage cash and liquidity, It’s all About the Cash – Thoughts from AFP 2022. In respo…
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2022/11/13Effective data management includes broad technology tools that are focused on optimizing data collection, quality control, processing, and analy…
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2022/09/30
Experiencing product value before purchase drives growth—Product-Led Growth:PLG •This is a primer for those who are not so familiar with Product…
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2022/09/20Celent’s parent company, Oliver Wyman, recently published a paper on the transformation of banking using AI (The AI Revolution in Banking). It i…
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2022/09/17Banks have been trying for years to implement artificial intelligence programs to improve their client experiences and fend off increasing compe…
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2022/08/28A recent Financial Times article by journalist Dave Lee discusses the tension between humans and the “drive” towards autonomous vehicles. “Buckl…
Research related to Comarch Digital Insurance
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2023/03/08Insurance distribution is an increasingly important point of discussion among senior executives at insurers. With the emergence of insurtech cam…
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2023/03/08
Are emerging technologies providing cost-effective options to manage closed block policies? In the L&A insurance segment, millions of policies t…
-
2022/12/12
Have you wondered what changes were implemented for underwriting during the pandemic and how life insurance underwriting changed over the past t…
-
2022/11/30
COVID-19 and the underlying macroeconomic environment forced life insurers to deeply examine their product offerings and business processes beca…
-
2022/11/29
Since the onset of COVID-19, the life insurance industry had to make some dramatic changes. The pandemic forced life insurers to digitize rapidl…
-
2022/09/28
This research will provide an overview of the insurance market and technology trends in Australia and New Zealand. We will provide examples of i…
-
2022/09/13
Life Insurance Underwriting - Is It Changing Fast Enough? Every two years we do a deep dive into life insurance underwriting systems. We look at…
-
2022/08/18
In this report, we look at how data solutions play a role to provide support for actuary and underwriting functions in the insurance value chain…
-
2022/04/11
As part of Celent's Innovation and Insight Week 2022, a roundtable was conducted for the data, analytics, and AI theme on the topic of 'Data Inn…
-
2021/11/17
Not long ago insurers were resistant (or, at best hesitant) to move legacy data and applications to any place outside of the control of their ow…
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2021/10/21Best in Class Digital Insurance - A Celent Peer Networking Event Recap On Wednesday, October 20, Celent welcomed 20 life insurance leaders in vi…
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2021/09/29Shifting customer expectations are creating a new need for new business models. As the current workforce ages, insurers are exploring new distri…
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2021/09/20The digital experience for agents is becoming a new strategic battleground for insurance companies. Digital capabilities are being extended acro…
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2021/07/19Insurers that use independent agents know that high production is correlated with strong relationships. But the world of the independent agent i…
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2021/06/30Over the past two weeks, I moderated and presented at the 2021 InsureTech Connect Asia and Finovate Asia conferences. The hive of activities has…
Research related to SME Banking
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2023/03/19With the worst effects of the pandemic now having receded, the corporate banking industry is back to focusing on revenue and profitability. As s…
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2023/02/23
Earlier this year my colleague, Gareth Lodge, published research about the adoption of ISO 20022 around the world. The requirement for Swift ban…
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2023/02/22
A recent companion report, Unlocking Treasury Insights: Road Map to Intelligent Solutions (January 2023), outlined the cash management and liqui…
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2023/01/22
In times of economic stress, with high inflation, increasing borrowing costs, and exchange rate volatility, tools for managing liquidity become…
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2022/12/12In November 2018, Celent published its first report on unattended, automated corporate digital channels, Corporate-to-Bank Integration: The Need…
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2022/12/05Although the UK Open Banking and European Union PSD2 legislation had specific goals to open up consumer financial services, it also paved the wa…
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2022/11/16With the fall conference season winding down, several members of the Celent banking team have written blog posts reflecting on the themes and ne…
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2022/11/11
Over three weeks in September 2022, Celent Banking team ran an online survey where we invited our contacts in the industry – clients and non-cli…
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2022/11/02Geopolitical and economic waves have shocked markets around the world. In a period of disrupted supply chains, accelerating inflation, and risin…
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2022/10/31Faced with historically high inflation and energy bills, increasing interest rates, and continued geopolitical and economic uncertainty, consume…
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2022/10/26As I head back to Chicago from the Association for Financial Professionals (AFP) 2022 Conference in Philadelphia, I would like to share a few in…
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2022/09/27With only a few weeks to go we are closing in on the Association for Financial Professionals (AFP) 2022 Conference in Philadelphia. Thousands of…
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2022/09/11Celent research into 2022 corporate banking priorities showed digital banking platforms and digital channels were the top two priorities for pro…
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2022/08/28
A recent Financial Times article by journalist Dave Lee discusses the tension between humans and the “drive” towards autonomous vehicles. “Buckl…
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2022/08/02Banking is one of the most data-intensive industries, with data woven into every facet of client experience, banking operations, and servicing.…
Research related to Comarch Wealth Management
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2023/03/08Summary In-depth personalization experiences rely on relevant user data, unifying their engagement channels, and creating segments to build firs…
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2023/03/03It is well known that advisors spend an inordinate amount of time on non-revenue producing and non-client facing activities. These include admin…
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2023/02/24Our upcoming report Advisor Productivity: What’s Technology Got To Do, Got To Do With It? reveals that financial advisors spend an inordinate am…
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2022/09/30
Experiencing product value before purchase drives growth—Product-Led Growth:PLG •This is a primer for those who are not so familiar with Product…
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2022/07/24
Investment Culture Has Rooted in Japan, However Spread of Open APIs Is Slower than Expected In Japan, a country with a large amount of personal…
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2022/05/16The acquisition of Redtail by Orion positions Orion as one of the most comprehensive all-in-one platform providers serving both RIAs and enterpr…
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2022/04/18
The demand for applications is growing faster than the supply of developers to deliver them. A new era of low/no-code development is emerging, w…
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2021/08/02"Generation Investor” was a term coined by Charles Schwab to account for the surge in retail investors who opened their brokerage accounts durin…
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2021/07/19Over the past several years, the CRM vendor landscape has grown significantly in terms of functionality offered to advisors and wealth managers.…
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2021/05/18
As the world finally turn the page to a new post-pandemic chapter, the Wealth Management industry has reason for cautious optimism. While much u…
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2021/05/06
There is no denying the wealth management market is telling us that planning software is a must have. Turnkey Asset Management Platform’s (TAMPs…
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2021/04/20
While the terminology “direct indexing” is newer, the investment approach is by no means new, as separately managed accounts (SMAs) can and have…
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2021/04/07Celent hosted its 15th annual Innovation & Insight Week (I&I Week) and its fourth annual Model Wealth Manager Awards (Model WM Awards) program o…
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2021/03/23Environmental, social, and governance (ESG) investing is becoming increasingly popular among global financial institutions and investors. Two ma…
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2021/03/08
Over the past year it has become increasingly clear that digital marketing is the cornerstone of an advisor’s marketing strategy. As such, a fun…
Research related to Comarch Corporate Banking
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2023/03/19
With the worst effects of the pandemic now having receded, the corporate banking industry is back to focusing on revenue and profitability. As s…
-
2023/02/23
Earlier this year my colleague, Gareth Lodge, published research about the adoption of ISO 20022 around the world. The requirement for Swift ban…
-
2023/02/22
A recent companion report, Unlocking Treasury Insights: Road Map to Intelligent Solutions (January 2023), outlined the cash management and liqui…
-
2023/01/22
In times of economic stress, with high inflation, increasing borrowing costs, and exchange rate volatility, tools for managing liquidity become…
-
2022/12/12
In November 2018, Celent published its first report on unattended, automated corporate digital channels, Corporate-to-Bank Integration: The Need…
-
2022/12/05
Although the UK Open Banking and European Union PSD2 legislation had specific goals to open up consumer financial services, it also paved the wa…
-
2022/11/16
With the fall conference season winding down, several members of the Celent banking team have written blog posts reflecting on the themes and ne…
-
2022/11/02
Geopolitical and economic waves have shocked markets around the world. In a period of disrupted supply chains, accelerating inflation, and risin…
-
2022/10/26
As I head back to Chicago from the Association for Financial Professionals (AFP) 2022 Conference in Philadelphia, I would like to share a few in…
-
2022/09/27
With only a few weeks to go we are closing in on the Association for Financial Professionals (AFP) 2022 Conference in Philadelphia. Thousands of…
-
2022/09/11
Celent research into 2022 corporate banking priorities showed digital banking platforms and digital channels were the top two priorities for pro…
-
2022/08/28
A recent Financial Times article by journalist Dave Lee discusses the tension between humans and the “drive” towards autonomous vehicles. “Buckl…
-
2022/08/02
Banking is one of the most data-intensive industries, with data woven into every facet of client experience, banking operations, and servicing.…
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2022/07/22The current economic outlook will undoubtably bring some challenges in the labor market. Stock indices have been in retreat since January (notab…
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2022/07/06You can’t read the news without seeing daily reports of the economic climate with rising rates, snarled supply chains, increasing volatility, an…
Research related to Comarch Commission & Incentive
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2022/10/25Celent conducted a survey of producers with a set of questions covering management issues related to the use of technology, digital transformati…
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2022/08/10Distribution management systems are increasing in use due to a variety of changes happening in the market. The increase in insurance agency merg…
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2022/08/10Distribution management systems are increasing in use due to a variety of changes happening in the market. The increase in insurance agency merg…
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2021/09/29
Shifting customer expectations are creating a new need for new business models. As the current workforce ages, insurers are exploring new distri…
-
2021/07/19
Insurers that use independent agents know that high production is correlated with strong relationships. But the world of the independent agent i…
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2020/07/26Managing agent licensing is a business-critical function for insurers and agencies. But as insurers and agencies look to grow, they face increas…
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2020/01/20At the start of the new decade, there is a noticeable observation in how business models are evolving to satisfy the latest generation of workin…
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2019/09/10Managing the variety and innovation in a global distribution environment increasingly requires 'digital tools' and capabilities that allow insur…
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2019/05/14Managing the variety and dynamism in a distribution environment that is increasingly digital requires tools that allow insurers to deal with a v…
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2018/10/18The new era of customer-centricity in insurance applies to agents just as much as it applies to policyholders. Many insurers are focusing their…
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2016/08/17
Celent has released a new report titled Onboarding in Corporate Transaction Banking: Prioritizing Investments for Reducing Friction. The report…
Research related to Comarch Anti-Money Laundering
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2023/02/28As financial institutions and regulated industries face ever more complex money laundering and criminal schemes, a sole reliance on rules is no…
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2023/01/30Increasingly, risk offices at financial institutions are using advanced data management and artificial intelligence (AI), orchestration, high-pe…
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2022/12/12Fraud continues to challenge the payments industry. In a recent survey of our banking contacts, we asked the participants about their payments p…
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2022/12/11In recent years, financial institutions have sought to lower AML compliance costs—and increase the effectiveness of their compliance programs—by…
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2022/11/11
Over three weeks in September 2022, Celent Banking team ran an online survey where we invited our contacts in the industry – clients and non-cli…
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2022/10/31Recorded on October 27th, 2022 Geopolitical and economic headwinds, following straight on the heels of the pandemic, highlight the need for resi…
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2022/10/28Previsory is a portmanteau word coined by Celent to describe a forward-looking view of technology, and advice on how to respond to and leverage…
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2022/10/23Geopolitical and economic headwinds, following straight on the heels of the pandemic, highlight the need for resilience and agility in Risk func…
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2022/07/31The pandemic and the Ukraine crisis have unleashed an age of perpetual black swan effects, from supply chain disruptions to inflation. But the p…
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2022/07/27Since black swan events are by definition unpredictable, risk and compliance needs to always be ready to handle them. This requires agility in t…
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2022/06/15Digital technologies including big data analytics, artificial intelligence, cloud, and APIs have already transformed customer-facing functions a…
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2022/06/07Financial institutions are increasingly looking to build and maintain sustainable Anti-Financial Crime (“AFC”) programs that can adapt to variou…
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2022/05/31Synthetic ID fraud has emerged as a major form of fraud in recent years, with charge-offs resulting from SID fraud estimated in the billions of…
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2022/05/18Anti-money laundering (AML) and counter-terrorist financing (CTF) programs are designed around a decade-old compliance-focused model that acts a…
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2022/04/05Advances in artificial intelligence (AI) such as deep learning are enabling significant improvements in fraud detection. However, large banks an…
Research related to Comarch Business Intelligence for Insurance
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2023/02/23
Earlier this year my colleague, Gareth Lodge, published research about the adoption of ISO 20022 around the world. The requirement for Swift ban…
-
2023/01/22
In times of economic stress, with high inflation, increasing borrowing costs, and exchange rate volatility, tools for managing liquidity become…
-
2023/01/21
In late 2022 I posted on the criticality for treasuries to manage cash and liquidity, It’s all About the Cash – Thoughts from AFP 2022. In respo…
-
2022/11/13
Effective data management includes broad technology tools that are focused on optimizing data collection, quality control, processing, and analy…
-
2022/09/30
Experiencing product value before purchase drives growth—Product-Led Growth:PLG •This is a primer for those who are not so familiar with Product…
-
2022/09/20
Celent’s parent company, Oliver Wyman, recently published a paper on the transformation of banking using AI (The AI Revolution in Banking). It i…
-
2022/09/17
Banks have been trying for years to implement artificial intelligence programs to improve their client experiences and fend off increasing compe…
-
2022/08/28
A recent Financial Times article by journalist Dave Lee discusses the tension between humans and the “drive” towards autonomous vehicles. “Buckl…
-
2022/08/19Beyond enabling analytics and insights, corporate banking data is the foundation of new product and service innovations, and the move to Open Ba…
-
2022/08/18
In this report, we look at how data solutions play a role to provide support for actuary and underwriting functions in the insurance value chain…
-
2022/08/02
Banking is one of the most data-intensive industries, with data woven into every facet of client experience, banking operations, and servicing.…
-
2022/07/06
You can’t read the news without seeing daily reports of the economic climate with rising rates, snarled supply chains, increasing volatility, an…
-
2022/06/08I recently joined the Celent Corporate Banking Practice, having spent most of my career working at the intersection of business and technology w…
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2022/03/29ESG criteria promotes doing business for good and holds organization accountable for actions that are damaging to the people and planet it aims…
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2022/03/15Taiwan Life saw an opportunity to be the first to leverage new digital data from the government’s e-health initiative, using machine learning (M…