Insights

Decoding the trends and anticipating the future to fuel innovation in Financial Services.

Data, Tech & Cyber Security
C. Dally

CIB Online Banking

While some corporate banks have been leading digital and tech

Data, Tech & Cyber Security
C. Dally

Seamless Digital Onboarding

How can Banks successfully digitize their onboarding process? How can

Finance, Risk & Compliance
A. Beyot

IFR/IFD Regulation

The new prudential regime for investment firms IFR/IFD is coming

Data, Tech & Cyber Security
Sébastien Meunier

THE ROI OF CYBERSECURITY

No week passes without the news of a new cybersecurity

Augmented Consulting
Olivier Garcia

Crypto Trading Map

Feeling you don’t keep up with the crypto trading dev

Augmented Consulting
Olivier Garcia

Blockchain in Finance: Views on the main macro themes

High-level, de-passionate overview of what are today the main macro themes for blockchain in financial services, whether these themes withstand scrutiny, and what to watch to see the story unfold, one way or another.

Regulatory Watchtower
Olivier Garcia

Reporting Factory

Most banks have answered to new regulatory regimes as they

Augmented Consulting
D. Corrales

Augmented Front Office

Whilst uncertainty for the next quarters remains high, multiple levers

Data, Tech & Cyber Security
Olivier Garcia

Data as a service

Data has become one of the most important item on

Finance, Risk & Compliance
Olivier Garcia

Non-financial risks

There is a growing regulatory pressure to address non financial risks with

Data, Tech & Cyber Security
Olivier Garcia

Omni-channels strategy

In the current environment, wholesale clients are looking for comprehensive,

Augmented Consulting
B. Genest

Chappuis Halder Credit Basel Simulator

An innovative free mobile application developed by our lab to instantly visualize the basel 2/3 capital charge based on different credit risk approaches. An indispensable tool for risk managers, academics, students, modelers, managers and consultants.

Data, Tech & Cyber Security
Florent Palayret

The importance of client activity data in the context of banks’ KYC programs and common pitfalls

How are banks tracking the various financial activities that their clients are executing via the products and services that they offer? Are they able to compare the
expected activities that their clients have indicated during the account opening process,
with the actual activities executed by their clients throughout the year? Are they able to
aggregate the total margins generated per client, across different business lines, and
compare it with the total onboarding costs for the same client?

Innovation
Patrick Bucquet

White Paper : Why are Central Banks Interested in Digital Currency?

With a decrease in the use of cash, the objectives pursued by the Central Banks with an electronic and universally accessible form of money are to anticipate the disappearance of cash, create an efficient and cheap means of payment, and strengthen regulatory controls.

It is not a matter of “if” but a matter of “when”. Central Banks must define the objectives first, then get the design parameters right while carefully assessing the second order effects; and conduct thorough pilots before launching a Central Bank Digital Currency.

Biz Dev & Transformation
Sébastien Meunier

What is pandemic planning and how to do it right

In the United States, planning efforts to respond to future pandemics started in 1976. It was first centered around public health and was progressively extended to other critical institutions and businesses. In this article, we’ll present three useful US-originated frameworks that can be leveraged by any business across the world.

Regulatory Watchtower
Olivier Garcia

IBOR Transition

IBOR transition represents a real challenge to financial institutions around the world. As the transition is ongoing, all difficulties have not been tackled yet and some key aspects remain to be clarified, generating new risks to manage.

Regulatory Watchtower
A. Beyot

5th directive AML/CFT – Text inputs and implementation

On May 30th 2018, the European Parliament adopted the 5th directive (2018/843) on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing (AML/CFT). This new directive, expected to be transposed by the Member States by January 10th 2020 at the latest, comprises significant changes compared to the previous version adopted in May 2015 (2015/849).

Data, Tech & Cyber Security
Florent Palayret

Banks tackle the KyC challenge

The increasing cost of ‘know your customer’ resources within financial institutions is becoming a major strategic issue. One not to be neglected under any circumstances.

Regulatory Watchtower
B. Genest

Basel III – Overview of international Basel 3 impacts

Basel 3 regulation aimed at providing a common level-playing field across all regions, business models and size. From a worldwide perspective, its primary objective is not increase minimum required capital but rather (i) to provide better comparability and harmonisation of regulatory playing field at worldwide level ; (ii) limit potential bias provided by internal model approach.

Finance, Risk & Compliance
A. Beyot

Description of the Directive on Administrative Cooperation (DAC) 6

The Directive on Administrative Cooperation (DAC) 6 imposes mandatory reporting for certain cross border transactions for taxpayers and intermediaries. The Common Communication Network will be set-up by the European Union as the mandatory automatic exchange platform.

What are the main challenges of this new directive?

Download our article below.

Finance, Risk & Compliance
A. Beyot

EMIR – REFIT: How is different from EMIR?

EMIR Refit brings key changes to certain technical aspects of EMIR like a new categorization of financial counterparties and a clearing obligation for specific assets by NFC+.

Finance, Risk & Compliance
A. Beyot

BMR: What is at stake ?

BMR compliance is required when contributing/calculating/administering to an index for the determination of the value of a financial product.

Finance, Risk & Compliance
A. Beyot

MiFID 2: Where we stand one year later

The regulators are now going to shift from implementation to control and supervision. What would be the most likely control points after Investment Advice?

Finance, Risk & Compliance
A. Beyot

SFTR Article 4: the key impacts

SFTR article 4 will involve new reporting obligations which will have an impact on repos transactions and their related commodity financing techniques.

Data, Tech & Cyber Security
Patrick Bucquet

10 functionalities that Facebook Libra should consider in the near future

This article focuses on Facebook Libra and its functionalities that should be considered in the near future. Patrick Bucquet, Marie Lermite and Ally Jo made a comparative analysis and determined 10 functionalities that Facebook should look at next.

A. Hovette

Video : Business Projects explained

Chappuis Halder & Co. launches a new service which we have called Business Projects. Let’s hear Alexandre Hovette and Laurent Liotard-Vogt, Partners, to understand which clients’ new needs have given us the idea.

Data, Tech & Cyber Security
Patrick Bucquet

Video : “Open banking : opportunities or risks ?”

Is open banking a synonym for more services or more risks ? This new environment, where banks open up their services to third party providers, has definitely an impact on innovation.

Finance, Risk & Compliance
Olivier Garcia

Vidéo : “Compliance : assets or constraints ?”

We ask Partner Olivier Garcia whether compliance is seen as an asset or as a constraint. His answer comes very clearly : financial services should leverage compliance requirements and turn them into an investment to support the business.

Finance, Risk & Compliance
Olivier Garcia

Video : update on Libor and reference rate reform

Chappuis Halder & Co. saw an acceleration of the awareness level on the UK market on the question of reference rate reform. Yet, things are only getting real now, as Olivier Garcia, our Partner in London states in this CH TV video.

Data, Tech & Cyber Security
S. Eyraud

Robotic Process Automation (RPA)

RPA in the Financial Services industry can extend the creative problem-solving capabilities and productivity of human beings and …

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