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Articles by Gwenn Bézard
Retail Banking and Payments Fintech Spotlight: Q3 2021
Boston, September 29, 2021 –Fintech startups have been successfully encroaching onto legacy players’ turf for more than a decade at this point. One reason for this success is fintech startups’ plug-and-play capabilities, which allow financial institutions and corporate organizations to go to market quickly and begin providing better customer experiences almost immediately.
Real-Time Interfirm A2A Transfers: Coming Soon to a Financial Institution Near You
Boston, May 25, 2021 –U.S. consumers have been adopting digital financial services at a rapid pace, especially millennials and Gen Zers. In spite of significant efficiency gains in financial services, critical legacy infrastructure, which many firms continue to rely on, limits their ability to deliver true real-time service. Once accounts are opened, it can take one to four or more business days for funds to appear, especially following an interfirm A2A transfer.
Retail Banking & Payments Fintech Spotlight: Q1 2021
Boston, March 24, 2021 – The vendors profiled in this report are leveraging API and cloud technologies to digitize banking and payments, and emphasizing personalization, convenience, and accessibility. The trends highlighted include lowering the cost of making and accepting payments, innovations at the point of sale, the sharing of financial data to simplify daily financial life, and omnichannel debt collection strategies.
Profiling U.S. Consumers Who Make Interfirm A2A Transfers
Boston, March 16, 2021 – While only a minority of U.S. consumers transfer funds between accounts held at different financial institutions over a 12-month period, this group of U.S. consumers is a key segment for FIs to understand. Consumers transferring money regularly between FIs earn more and own more financial assets compared to regular consumers.
The Impact of COVID-19 on Financial Services: One Year Later
A year in, the COVID-19 crisis and subsequent government responses continue to have a significant impact on the global economy. In this webinar moderated by Gwenn Bézard, Aite Group’s head of research, 12 analysts will provide an overview of the pandemic’s effect across the financial services sectors.
Central Bank Digital Currencies: What Are They, What Do They Mean, and Should We Care?
The central bank digital currency is quickly going from an obscure topic to a mainstream discussion item in banking and payment circles. Most bankers and payments industry participants are at loss over the concept. If you feel lost in translation, rest assured you are not alone. Join Aite Group head of research Gwenn Bézard for a live webinar as he explains the concept and what it may entail for the future of the banking and payments industry.
The Battle Royal for Consumer Deposits: Sizing Interfirm A2A Transfers
Boston, January 28, 2021 –Financial services provided by banks, investment firms, and fintech counterparts are overlapping due to the combined forces of regulatory, technological, and economic changes in today’s market. Increasingly, consumers are looking to their financial services providers to help them with all aspects of their financial lives, and they have the power and tools at their fingertips (or better yet, in their pockets) to consider banking and investment alternatives.
Enduring the COVID-19 Pandemic: Broker-Dealer Success Factors
Boston, October 6, 2020 – The impact of this pandemic is undeniable, and the financial industry and broker-dealer community are not exceptions. Many have turned to cloud technologies to accommodate working remotely, and many sell-side firms have had to take appropriate actions to respond to heightened levels of volatility both in the markets and within their respective walls.
Faster Payments for Community Banks and Credit Unions: Market Overview
Boston, September 29, 2020 – Although consumers and businesses are showing demand for faster payments, development of the faster payments rails is fragmented, and broad market adoption remains elusive. With more than 10,000 FIs across the U.S. and new nonbank payments providers emerging almost daily, it is vitally important for the industry to consider the needs of community banks and credit unions in the next evolution of faster payments.
Central Bank Digital Currencies: The Next Chapter in Digital Payments?
Boston, July 14, 2020 –Central banks around the world have been toying with the idea of issuing a digital version of their currency for over a decade. The discussion on CBDCs won’t be just another industry topic; it will be very political.
COVID-19: Challenges and Opportunities in Financial Services
Boston, March 20, 2019 –As governments around the world attempt to defend against COVID-19, financial institutions and their technology vendors are facing significant operational constraints as well as a rapidly deteriorating business climate, and many are experiencing an urgent need to identify bright spots.
Business-to-Consumer Disbursements: Time to Take Notice
Boston, June 5, 2012 – A new report from Aite Group explores the payments industry’s opportunity to provide payment disbursement services to corporations and government agencies. Based on a Q2 2012 Aite Group survey of 1,115 U.S. consumers, the report provides insight into the types of disbursements consumers receive and the payment methods by which they receive them.
Connected-Car Insurance: The Rise of Data Exchanges
Boston, March 21, 2018 – Auto insurers around the world are on a quest to accelerate the penetration of telematics insurance. While the use of smartphone apps as telematics sensors has grabbed the headlines over the past few years, insurers are starting to pay more attention to the opportunity to tap into the data generated by original equipment manufacturers’ factory-installed telematics systems.
Tomorrow’s Insurance Products: Futuristic Suggestions for P&C and Life Insurers
Boston, October 19, 2017 – In developed markets, the major threat faced by property and casualty (P&C) and life insurers is not competitive disruption by insurtech players.
Location Intelligence in Insurance
Boston, August 15, 2017 – The importance of location intelligence, or the ability to generate insights tied to a precise location on earth, is not new in insurance, but the surge of investment in insurtech startups, advances in data collection, and the rise of a range of new technologies are creating new opportunities for insurers. For many carriers, stepping up their location intelligence capabilities is a critical milestone in their digital transformation journey.
Blockchain in Insurance: A Vendor Overview
Boston, April 13, 2017 – Blockchain is still an immature technology, with a range of blockchain platform options competing for pre-eminence. Of all blockchain platforms currently available, only the bitcoin blockchain has been in production for over five years. In the meantime, some are taking the technology in a direction further away from the original concept of blockchain and distributed ledger.
Top 10 Trends in Insurance, 2017: The Giant Awakens
Boston, January 5, 2017 – The insurance industry in North America, Europe, and beyond is large and complex, and property and casualty, life, and health insurance segments all set diverse priorities. Nevertheless, trends reaching inflection points in 2017 across these segments reveal an insurance industry giant that is waking up to a destiny shaped by technology. This is a 15-page Impact Note.
Autonomous Driving: A Call for Insurance Telematics
There is no shortage of speculation about how personal auto insurance may become obsolete in a driverless era, how auto manufacturers’ product liability may compete with personal auto insurance, and how ridesharing may replace personal car ownership and vaporize the need for personal auto insurance. Those topics make good cocktail conversations, but they have little practicality for insurers for the time being.
Cyber Insurance and Cybersecurity: The Convergence
Boston, June 22, 2016 – Although the insurance industry has been selling cyber insurance in the United States, and to some extent internationally, for a number of years, the market is still in its infancy. Cyber insurance still represents less than 1% of global commercial insurance premiums. Demand is growing, though, as more firms go through the 10 stages of cybersecurity grief. But as risks mutate, insurers are pursuing two objectives.
Driving Analytics: Ridesharing Drivers Are Safer Than Average American Drivers
Boston, May 26, 2016 – Publicly available data on how ridesharing drivers truly fare compared with average American drivers is limited. Even the U.S. insurance industry, which has responded well to ridesharing over the past 18 months, lacks insights into ridesharing drivers’ risk profile. But telematics data based on multiple attributes reveals that ridesharing drivers drive more safely than average drivers.
IoT Platforms for Insurance
Boston, March 17, 2016 – Insurance companies are increasingly looking into ways to tap into the data generated by the Internet of Things. Insurers’ initial foray into the IoT was in car telematics, but sophisticated insurers are exploring a range of scenarios beyond the connected car, including connected homes, health and lives, infrastructure, factories, and transportation.
Smart Home and Insurance: Insurers Need to Get Real
Smart-home technologies are rapidly becoming mainstream, and insurers have an opportunity to participate in this market. When engaging with potential partners, even the largest insurers should have a realistic appreciation of their level of influence over consumers, and therefore what they can bring to the table for smart-home device-makers, installers, and distributors.
The Smart Home: Opportunities for Insurers
Boston, February 29, 2016 – Many large U.S. insurers are bracing for the impact of autonomous driving on their business, but they have yet to grasp that the same trend is at play in the homeowners and renters insurance markets. Insurers that don’t develop a value proposition around the connected home will be forced to give steeper discounts to reflect the lower risks without generating any strategic benefits.
Ridesharing and On-Demand Delivery Drivers: Insurance Attitudes and Behaviors
Boston, January 29, 2015 – The spread of ridesharing as a part-time or full-time occupation has been a hot button for the insurance industry over the past few years. As of January 2016, well over 400,000 drivers in the United States alone partake in ridesharing. U.S. insurers expended energy in 2015 to better address the needs of these drivers, but do their efforts truly address the market?
Top 10 Trends in Insurance, 2016: A Juggling Act
Boston, January 13, 2016 – Though the U.S. insurance industry is entering 2016 well capitalized and profitable, too much capital capacity does not bode well for pricing as new capital flows in, seeking opportunities and driving pricing competition. Against this backdrop, insurers will be juggling priorities: modernizing their core systems, maintaining profitability within existing portfolios, accelerating their digital transformation, and cultivating new products and services.
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