Financial Services Foresight

Our latest thinking addressing the challenges and opportunities in the financial services industry.

February 2017

Can PSD2, stress-testing and Basel IV work in your favor?

The year 2016 was - again - characterized by new regulations and a difficult market environment for Financial Services. Regulations will continue to shape the industry in 2017, but some of the major drivers also offer strategic opportunities.

Our latest publications explore the prospects inherent in The Payment Services Directive (PSD2), stress testing, and Basel IV.

While new rules after the financial crisis forced banks to adopt less risky, less rewarding business strategies, the biggest factor constraining banks after the crisis was a lack of coherence. In our study Banking’s Biggest Hurdle: Its Own Strategy, we share why recovery was so much easier for some banks than others, and how to build coherence going forward.

Featured Foresights

Catalyst or threat?
Strategy& viewpoint
As PSD2 promotes open banking and open data, banks will need new business models and services in this new competitive environment. Offering third-party module or data sourcing, becoming a banking module or banking data provider, or creating a high-quality platform are some of the options.
Strategy& viewpoint
Our analysis of European banks found that those using stress-test findings in day-to-day operations improved their performance in several areas. Learn from your best-in-class peers how to incorporate testing insights into risk management and business decision-making.
Financial Services Foresight
Strategy& viewpoint
How will “Basel IV” impact banks? Our analyses suggest that even if requirements are watered down, banks are in need of a strategic response which includes a change towards sustainable business models.

Financial Services Foresight archive

December, 2016
With the next Basel Committee meeting just a few days ahead and yesterday's publication of the CRR proposals, the recalibration of Basel III - called "Basel IV" in the industry - is taking another step towards becoming reality.

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