2021/08/27
Going into 2020, traditional banking approaches to credit were already under strain. The data and analytics revolution pioneered by Big Tech had…
Accenture
Research related to MortgageCadence
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2021/07/04How Financial Institutions Are Responding to COVID-19 Constraints Many lenders adapted quickly to new customer channel preference (digital versu…
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2021/06/28In retail lending the business and technology focus is usually on the retail consumer’s needs and customer journey. For example, Celent research…
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2021/05/24Competition in retail account origination continues to demand real time access to many types of data to create faster processes at lower cost, i…
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2021/04/15Mortgage, home equity, and auto lenders utilize many core and ancillary technologies from the point of sale through loan onboarding to the servi…
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2021/03/30Digital customer acquisition was a white hot topic before the pandemic and has exploded since then. Our March 2021 Digital Banking Panel survey…
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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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2021/03/10This Model Bank report uncovers how Delta Community undertook a multiyear technology and operations transformation project in recognition that f…
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2021/03/10With its HolaBank program, CaixaBank has become the first bank in Spain to allow nonresidents in Spain to open a bank account and apply for and…
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2021/03/09This award goes to an initiative that fully digitises the end-to-end process for a microloan, shrinking the time for the full process from two w…
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2020/11/22While LIBOR transition is a major program, it was never based on an immovable date like “the year 2000” (Y2K). It now seems possible that transi…
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2020/11/10This Celent Blog examines financial institution (FI) cloud adoption drivers and rates, the impact of the COVID-19 pandemic (“pandemic”) on FI cl…
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2020/08/17The mortgage lending industry is in turmoil for the second time in only a decade as the coronavirus has increased loan delinquencies and affecte…
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2020/05/05COVID-19 has taken an enormous human and economic toll on the world, and financial institutions globally are helping to implement government pro…
Research related to ALIP Policy Administration
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2021/09/12Group & Voluntary is an active market attracting interest from both existing players and new entrants, many of which would not have existed five…
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2021/09/08"Conversions are very risky, painful and are never on-time!"— is this old saying still true for insurance system conversions? Apparently, there…
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2021/08/18Application programming interface (API) has been the go-to solution when insurers and technology vendors discuss the way to develop, package, an…
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2021/07/15Real-world examples provide the most concrete way to explore critical questions driving changes in insurance today. As a result, we animated sev…
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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…
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2021/06/29
What does leading-class digital insurance look like today? And what are the key gaps to getting there? We recently explored these questions thro…
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2020/12/18The increasing importance of APIs in financial services has moved the middle layer to a customer facing role. Historically such layers were hidd…
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2020/12/10Although 2020 has certainly been a unique year it hasn’t put a damper on the momentum that has been building over the last few years in the Life…
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2020/12/03The usage of legacy data sources combined with new alternative data sources are transforming underwriting, policy application approval, and issu…
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2020/09/18Can I get to a positive ROI and is the investment going to be worth it if I can't? This is a fundamental question to answer before investing in…
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2020/08/29Conversations in innovation strategy deployments has seen plug-and-play and APIs as the common solution for shipping and serving modular contain…
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2020/08/24As we come to grips with the events at the turn of a new decade, there is never a better opportunity to re-imagine current business processes an…
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2020/07/05Natural language processing (NLP) is the technique to provide semantics to information extracted from optical character recognition engines and…
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2020/04/29Celent reviews every policy adminstration system in all global markets every two years. This report is a companion report to the North American…
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2020/04/27As we head forward into 2020, we are witnessing common acceptance for remote delivery and communication, whereby both client-relationships and i…
Research related to ALIP New Business and Underwriting
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2021/07/15
Real-world examples provide the most concrete way to explore critical questions driving changes in insurance today. As a result, we animated sev…
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2021/05/25Is the intrinsic value of the coverage enough? Or do new customers want more from their insurance company? Today’s insurance experience is often…
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2021/04/21
Elon Musk once said “Failure is an option here. If you’re not failing, you’re not innovating enough". When I reflect on our work here at Celent,…
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2021/04/06Snap polls reflect questions posed by members of the Celent executive research panel. Several members of the NA L&H panel queried about digital…
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2021/03/25Alternative data sources would provide insurers with additional data that complement internal organizational or policyholders’ information. It w…
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2021/03/11
Insurers are pursuing digitization while challenging themselves to become customer centric. Some have gone the path of establishing greenfield d…
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2021/03/04Insurers are choosing other approaches to technology modernization than just going with the traditional industrial approach where you build a ne…
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2021/03/03Snap polls reflect questions asked by members of the Celent Executive Research Panel, a group of over 265 C level executives the life insurance…
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2021/02/22North American life insurers are finally, albeit slowly, automating their new business and underwriting processes. They are either implementing…
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2021/02/12
Yesterday, Lemonade announced the launch of their long awaited Life protection offering through a strategic partnership with Bestow. This is an…
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2021/02/09
I am very excited to be at Celent — it is such a fantastic opportunity to be here at the hub of insurance technologies. Thank you for coming to…
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2020/12/03
The usage of legacy data sources combined with new alternative data sources are transforming underwriting, policy application approval, and issu…
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2020/10/22Has COVID-19 made people think more about life insurance? Data has shown they have. Google searches for life insurance that worldwide searches f…
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2020/10/18COVID-19 and the underlying macroeconomic environment have forced life insurers to deeply examine their product offerings and business processes…
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2020/10/06COVID-19 has forced life insurers to deeply examine their underwriting processes and make long-anticipated changes. Positive changes include in…
Research related to Alnova Financial Solutions
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2021/09/22 -
2021/04/18Embedded finance is a burgeoning space with the potential to dramatically reshape the way customers engage with financial services. And yet, dif…
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2021/03/10
The 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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2021/03/10
This Model Bank report uncovers how Delta Community undertook a multiyear technology and operations transformation project in recognition that f…
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2020/11/24The way in which banking software is being designed, written, deployed, maintained, updated, and replaced has accelerated due to cheaper storage…
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2020/11/10
This Celent Blog examines financial institution (FI) cloud adoption drivers and rates, the impact of the COVID-19 pandemic (“pandemic”) on FI cl…
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2020/07/20The path to digitization can challenge financial institutions, especially community banks, in several ways. From the provider perspective, small…
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2020/06/01Banking is experiencing a period of business model innovation brought on by the emergence of new market entrants moving the ball forward on cus…
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2020/04/15Australian Military Bank (AMB) is a niche institution dedicated to serving Australian Defence personnel and their families with products and ser…
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2020/04/13Celent recognizes Länsförsäkringar Bank as the winner of the 2020 Celent Model Bank Award for Core Technology Replatforming for its initiative C…
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2020/03/04The home lending industry is in the early stages of digital disruption that retail deposit, credit card, and personal lending sectors have alrea…
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2020/01/092020 promises to be a year of excitement and challenge for retail bankers. Celent's analysts have a full agenda planned to help them address the…
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2019/12/11In the last 10 years, the rise of digital and the evolution of delivery channels have stressed platforms. While technology adaptations have allo…
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2019/11/30In the last 10 years, the rise of digital and the evolution of delivery channels have stressed platforms. While technology adaptations have allo…
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2019/11/30In the last 10 years, the rise of digital and the evolution of delivery channels have stressed platforms. While technology adaptations have allo…
Research related to ALIP Digital Innovations
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2021/09/12
Group & Voluntary is an active market attracting interest from both existing players and new entrants, many of which would not have existed five…
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2021/09/08
"Conversions are very risky, painful and are never on-time!"— is this old saying still true for insurance system conversions? Apparently, there…
-
2021/08/18
Application programming interface (API) has been the go-to solution when insurers and technology vendors discuss the way to develop, package, an…
-
2021/07/15
Real-world examples provide the most concrete way to explore critical questions driving changes in insurance today. As a result, we animated sev…
-
2021/06/30
Over the past two weeks, I moderated and presented at the 2021 InsureTech Connect Asia and Finovate Asia conferences. The hive of activities has…
-
2021/06/29
What does leading-class digital insurance look like today? And what are the key gaps to getting there? We recently explored these questions thro…
-
2021/03/11
Insurers are pursuing digitization while challenging themselves to become customer centric. Some have gone the path of establishing greenfield d…
-
2021/03/04
Insurers are choosing other approaches to technology modernization than just going with the traditional industrial approach where you build a ne…
-
2020/12/18
The increasing importance of APIs in financial services has moved the middle layer to a customer facing role. Historically such layers were hidd…
-
2020/12/10
Although 2020 has certainly been a unique year it hasn’t put a damper on the momentum that has been building over the last few years in the Life…
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2020/12/03
The usage of legacy data sources combined with new alternative data sources are transforming underwriting, policy application approval, and issu…
-
2020/09/18
Can I get to a positive ROI and is the investment going to be worth it if I can't? This is a fundamental question to answer before investing in…
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2020/08/29
Conversations in innovation strategy deployments has seen plug-and-play and APIs as the common solution for shipping and serving modular contain…
-
2020/08/24
As we come to grips with the events at the turn of a new decade, there is never a better opportunity to re-imagine current business processes an…
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2020/07/05
Natural language processing (NLP) is the technique to provide semantics to information extracted from optical character recognition engines and…
Research related to Accenture Life & Annuity Analytics
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2021/09/15MLOps is a multi-phase process that leverages the power of large volumes and variety of data, abundant compute on GPU, and open-source machine l…
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2021/09/12
Group & Voluntary is an active market attracting interest from both existing players and new entrants, many of which would not have existed five…
-
2021/09/08
"Conversions are very risky, painful and are never on-time!"— is this old saying still true for insurance system conversions? Apparently, there…
-
2021/08/18
Application programming interface (API) has been the go-to solution when insurers and technology vendors discuss the way to develop, package, an…
-
2021/07/15
Real-world examples provide the most concrete way to explore critical questions driving changes in insurance today. As a result, we animated sev…
-
2021/06/30
Over the past two weeks, I moderated and presented at the 2021 InsureTech Connect Asia and Finovate Asia conferences. The hive of activities has…
-
2021/06/29
What does leading-class digital insurance look like today? And what are the key gaps to getting there? We recently explored these questions thro…
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2021/03/31Historically small business banking has been fraught with trade-offs between lowering cost-to-serve and improving customer experience. As a resu…
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2021/03/10Read about how an insurer optimize price and provide price personalization through the analysis of customers' reponse to price change and their…
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2021/03/10Read about how an insurer used telematics data to underwrite and assess claims and premium payments, with the application of usage-based insuran…
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2021/03/09Read about how an insurer identifies suspicious individuals and claims in the insurance industry through the application of graph theory in soci…
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2021/03/08United Overseas Bank recognized the potential of artificial intelligence (AI) and machine learning (ML)–powered solutions to strengthen its cont…
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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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2021/01/20When it comes to AI, machine learning, and advanced analytics, there is one undeniable conclusion: The biggest risk in AI today is not implemen…
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2021/01/14Data science derive experimental conclusion on a hypothesis through experiments with data and statistical methods. As a branch of data science,…