16 December 2021
Breakthrough innovations are occurring in cash management thanks to advances in artificial intelligence and machine learning (AI/ML), connectivi…
Research related to Comarch Corporate Banking
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3 December 2021For transaction banking, the sharp downturn in interest rates in 2020 led to a collapse of net interest income on deposits and effectively wiped…
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11 November 2021The COVID-19 pandemic caused corporate leaders to look for ways to keep their businesses viable, and many of those leaders looked to their CFOs…
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27 October 2021Transaction banking, including cash management and payments, has been hit hard over the past 18 months. A sharp downturn in interest rates in 20…
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10 September 2021Treasury services is ripe for disruption, as evidenced by the onslaught of fintech and big tech players vying to capture traditional and new rev…
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16 August 2021Much of a bank's corporate banking revenue is attributable to meeting the complex financial operations needs of their business customers, who re…
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16 August 2021Much of a bank's corporate banking revenue is attributable to meeting the complex financial operations needs of their business customers, who re…
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22 July 2021Serving corporate clients requires banks to offer a dizzying array of products and services to manage working capital, liquidity, investments, a…
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28 April 2021In 2019, the Wells Fargo Commercial Banking and Corporate & Investment Banking groups embarked on a multiyear program to reimagine the customer…
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13 April 2021Wholesale banks are delivering high returns. A decade of structural changes in the Markets and IBD businesses has led to more efficient balance…
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10 March 2021Celent recognizes Goldman Sachs as the winner of the 2021 Celent Model Bank Award for Corporate Banking in the Cloud for their initiative Goldma…
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10 March 2021Celent recognizes DBS Group as the winner of the Celent Model Bank 2021 Award for Corporate Digital Banking for their initiative DBS IDEAL Next-…
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3 March 2021When judging Model Bank nominations, Celent looks for innovative and differentiating use of technology, with demonstrable business benefits. Cit…
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22 December 2020In the Fall of 2020, Celent launched its “Future of Cloud in Financial Services” research hub, highlighting our coverage of advances in financia…
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18 December 2020View the next report following this series: Reinventing Small Business Banking Part 2. "People don’t want to buy a quarter-inch drill. They want…
Research related to Comarch PowerCloud
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17 November 2021
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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18 August 2021The 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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21 June 2021This year, Celent interviewed 25 chief information officers and senior technology leaders of global market infrastructure (MI) to understand the…
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18 May 2021As 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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28 April 2021
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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4 April 2021The 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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3 April 2021The 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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10 March 2021The 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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10 March 2021This 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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8 March 2021The 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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8 December 2020The 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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29 November 20202020 was a disruptive year in AML because COVID-19 forced financial institutions to reprioritize planned initiatives and redeploy resources to t…
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30 September 2020Cloud was a hot topic before COVID-19, but where and how are banks leveraging the cloud now, and what will the future hold? Celent offers a view…
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29 September 2020The public cloud has made a steady and significant impact on retail banking as institutions look to innovate and keep up with new market entrant…
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28 September 2020Financial institutions, and regulators, have traditionally been sensitive to data protection, privacy, and security issues for risk and complian…
Research related to Comarch Loan Origination
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27 August 2021Going into 2020, traditional banking approaches to credit were already under strain. The data and analytics revolution pioneered by Big Tech had…
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12 July 2021In 2018 ING embarked on a multiyear program to reimagine application development and drive change within an agile, at-scale transformation frame…
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4 July 2021How Financial Institutions Are Responding to COVID-19 Constraints Many lenders adapted quickly to new customer channel preference (digital versu…
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28 June 2021In 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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24 May 2021Competition 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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3 May 2021Commercial loan origination has historically been complex and inefficient, requiring many disparate, disconnected steps to be completed, startin…
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15 April 2021Mortgage, 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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30 March 2021Digital 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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10 March 2021
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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10 March 2021
This 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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10 March 2021This Model Bank report uncovers how Delta Community undertook a multiyear technology and operations transformation project in recognition that f…
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10 March 2021With 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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9 March 2021This 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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22 November 2020While 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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10 November 2020This Celent Blog examines financial institution (FI) cloud adoption drivers and rates, the impact of the COVID-19 pandemic (“pandemic”) on FI cl…
Research related to Comarch Commission & Incentive
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24 February 2021
When it comes to the capital markets, a shift is underway in the process of application development. This is driven by increasing demands across…
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3 May 2020Treasury and capital markets divisions at banks continue to struggle with the trilemma of complying with regulatory changes and meeting evolving…
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21 February 2020The race is on to get lean and agile. Unfortunately, capital markets firms continue to struggle with common operational and technology challenge…
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14 May 2019The pursuit for improving automation levels goes back a long time in the capital markets. Success has been achieved in some areas, but a lot rem…
Research related to Comarch Life Insurance
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5 January 2022The benefits of legacy conversion are well known: access to modern digital capabilities and flexibility to continue to adapt. The challenge has…
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17 December 2021Since our last update to this report, Celent has seen an increased interest from vendors in the life policy administration system market in LATA…
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14 December 2021The life policy administration system vendor market in Europe, the Middle East, and Africa is difficult to navigate. While insurers tend to have…
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14 December 2021It’s common to hear the refrain “conversions are risky, expensive, and are never on-time!" Well, we wanted to know if the caution is still warra…
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14 December 2021In this eighth installment of Celent's biennial look at policy administration systems (PAS) available to life insurers in North America, we prof…
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13 December 2021A policy administration system (PAS) is the system of record for all policies that an insurance company has written. In actual practice, an insu…
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17 November 2021
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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21 October 2021Best 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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20 October 2021The booming stock market is growing the money in company pension plans. It could be the right time to sell if a company wants to remove the pens…
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12 September 2021Group & 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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8 September 2021"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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18 August 2021Application 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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15 July 2021Real-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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30 June 2021Over 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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29 June 2021
What does leading-class digital insurance look like today? And what are the key gaps to getting there? We recently explored these questions thro…
Research related to Comarch Digital Insurance
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17 November 2021
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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21 October 2021
Best 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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30 September 2021Shifting 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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20 September 2021The digital experience for agents is becoming a new strategic battleground for insurance companies. Digital capabilities are being extended acro…
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20 July 2021Insurers 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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15 July 2021
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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30 June 2021
Over 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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10 June 2021Snap polls reflect questions posed by members of the Celent Executive Research Panel, a group of C level executives in the insurance industry. T…
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25 May 2021Is 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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21 April 2021
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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6 April 2021Snap 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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25 March 2021Alternative data sources would provide insurers with additional data that complement internal organizational or policyholders’ information. It w…
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11 March 2021
Insurers are pursuing digitization while challenging themselves to become customer centric. Some have gone the path of establishing greenfield d…
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4 March 2021Insurers are choosing other approaches to technology modernization than just going with the traditional industrial approach where you build a ne…
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3 March 2021Snap polls reflect questions asked by members of the Celent Executive Research Panel, a group of over 265 C level executives the life insurance…
Research related to SME Banking
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16 December 2021
Breakthrough innovations are occurring in cash management thanks to advances in artificial intelligence and machine learning (AI/ML), connectivi…
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7 December 2021The marketing statements of financial institutions have for years touted“customer-first”, “customer 360”; and “omnichannel communications” to de…
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3 December 2021
For transaction banking, the sharp downturn in interest rates in 2020 led to a collapse of net interest income on deposits and effectively wiped…
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11 November 2021
The COVID-19 pandemic caused corporate leaders to look for ways to keep their businesses viable, and many of those leaders looked to their CFOs…
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27 October 2021The last 18 months have been like no other in recent memory. The COVID-19 pandemic forced everyone, not just those in financial services, to rea…
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27 October 2021
Transaction banking, including cash management and payments, has been hit hard over the past 18 months. A sharp downturn in interest rates in 20…
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16 August 2021
Much of a bank's corporate banking revenue is attributable to meeting the complex financial operations needs of their business customers, who re…
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16 August 2021
Much of a bank's corporate banking revenue is attributable to meeting the complex financial operations needs of their business customers, who re…
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22 July 2021
Serving corporate clients requires banks to offer a dizzying array of products and services to manage working capital, liquidity, investments, a…
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28 April 2021
In 2019, the Wells Fargo Commercial Banking and Corporate & Investment Banking groups embarked on a multiyear program to reimagine the customer…
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13 April 2021
Wholesale banks are delivering high returns. A decade of structural changes in the Markets and IBD businesses has led to more efficient balance…
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30 March 2021
Digital 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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24 March 2021Celent held its digital 2021 Innovation and Insight Week from March 9 – 11, 2021. The theme we explored this year was "Accelerate!” Many of our…
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10 March 2021
Celent recognizes Goldman Sachs as the winner of the 2021 Celent Model Bank Award for Corporate Banking in the Cloud for their initiative Goldma…
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10 March 2021
Celent recognizes DBS Group as the winner of the Celent Model Bank 2021 Award for Corporate Digital Banking for their initiative DBS IDEAL Next-…
Research related to Comarch Wealth Management
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2 August 2021"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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19 July 2021Over 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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18 May 2021
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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6 May 2021
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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20 April 2021
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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7 April 2021Celent 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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23 March 2021Environmental, social, and governance (ESG) investing is becoming increasingly popular among global financial institutions and investors. Two ma…
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8 March 2021
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…
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25 February 2021North American wealth managers will face a challenging year ahead as a result of volatile macro events, fee compression, and intergenerational w…
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14 December 2020Celent highlights wealth managers’ perspectives about their usage of Front-to-Middle Office platforms. Specifically, wealth managers’ perspectiv…
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29 November 2020リサーチは投資情報戦略の動力源です。投資の意思決定がより高度になるにつれ、複雑なデータフローを管理し、ワークフローをサポートし、同じチームの複数のメンバーが共同で投資調査を行うことができるようにする必要性が高まっています。 リサーチ・マネジメント・システム（RSM）は、バイサイドのフロン…
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4 November 2020While some wealth managers state that a lack of customer digital adoption is a reason for low engagement during the pandemic, the reality is tha…
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20 October 2020European wealth managers continue to face headwinds due to political and market volatility, Brexit, the COVID-19 pandemic, dynamic client expect…
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19 October 2020The wealth management industry, including the brokerage industry, continues to face strong headwinds. They come from changes in the core client…
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27 September 2020Research helps power the investment engine. With investment decision-making getting more advanced, there is an increasing need to manage complex…
Research related to Comarch Anti-Money Laundering
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15 December 2021Celent estimates that financial industry spending on AML-KYC compliance information technology (IT) and operations will reach US$37.1 billion gl…
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6 December 2021The Risk team at Celent has regular conversations with industry participants to identify the technology and operational challenges they are faci…
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2 November 2021With the growing adoption of cryptocurrencies and crypto-based assets, the crypto ecosystem and its participants are coming under greater scruti…
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20 October 2021Regtech Solution Briefs are a new report series designed to provide Celent research clients with timely updates on regtech solutions and strateg…
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19 October 2021The specialized technology that supports risk management functions has traditionally been supplied by internal development teams as well as by e…
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7 October 2021Regtech Solution Briefs are a new report series designed to provide Celent research clients with timely updates on regtech solutions and strateg…
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1 October 2021Regtech Solution Briefs are a new report series designed to provide Celent research clients with timely updates on regtech solutions and strateg…
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23 July 2021Digitalization of financial services is creating new products, channels, and business models. New players such as digital banks, payment and rem…
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30 June 2021
Over 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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8 June 2021Combatting financial crime in the digital era will require financial institutions (FIs) to strengthen and widen their adverse media screening co…
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4 June 2021Scandals over recent years have shown that some institutions are still failing to live up to their obligation to minimize the risk of financial…
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11 May 2021Risk and compliance functions have traditionally lagged in adopting new technology. But that had started to change in the last 24 months, and th…
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13 April 2021In its inaugural year, Celent Model Risk Manager 2021 program received several high-quality nominations from a diverse mix of financial institut…
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8 March 2021Swedbank took SCA (strong customer authentication) regulation in the Euro region as an opportunity to enhance its anti-fraud posture for cards b…
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8 March 2021Fino Payments Bank implemented a modern, AI-enabled enterprise-wide fraud solution across all its channels. The solution, from Clari5, ensures c…