Ready, Set, Tech. From Strategy to Scale in Wealth Transformation

Firms across Wealth Management are grappling with rapidly evolving client expectations, increasing regulatory complexity, and rising cost pressures – all while striving to scale and differentiate in an increasingly competitive marketplace.

Digital transformation shouldn’t be a one-off, it should be a core competency. With the right structure, firms can embed agility, accountability, and innovation across the organisation.

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PSD3 and PSR: Unlocking Strategic Value Beyond Compliance

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The European Union's proposed Payment Services Directive 3 (PSD3) and Payment Services Regulation (PSR) represent a significant evolution in the payments landscape for Financial Services. These changes aim to enhance security, foster innovation, and level the playing field between traditional banks and non-bank payment service providers (PSPs), ultimately delivering greater protection, choice and convenience for the customer.

The evolving regulatory landscape under PSD3 and PSR presents both significant challenges and unique opportunities for Bank PSPs, requiring a proactive, innovation-led response to remain competitive and retain or grow customer relationship primacy.

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Building an ERP consolidation playbook: unlocking outsized value in buy-and-build strategies

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ERP consolidation plays a fundamental role in creating value throughout the investment lifecycle, allowing firms to reduce costs and enhance commercial offerings with future-proofed and scalable capability. However, post-merger, companies often inherit multiple systems performing similar functions, creating friction to maximising value through the buy-and-build approach.

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Digitisation: Wealth Tech on the Rise

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The financial services industry is at a pivotal point in time. What was once built on face-to-face meetings, extensive paperwork, and manual processes is now being rapidly reshaped by digitisation. Consumers expect seamless digital experiences in every aspect of their lives—banking, shopping, healthcare, and now, wealth management. This shift is redefining customer expectations, rendering traditional performance metrics obsolete, and fundamentally altering what drives profitability.

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Fundamental Review of the Trading Book (FRTB)

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The Fundamental Review of the Trading Book (FRTB) is a set of regulatory standards developed by the Basel Committee on Banking Supervision (BCBS) as a part of its broader Basel III framework. FRTB aims to address shortcomings in the existing trading book framework, enhance risk management practices, and ensure that banks hold sufficient capital against their risk exposures. In this paper, we will be addressing the new FRTB rule, what it is, and its impact on organisations.

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Horizon Technology: A blueprint for innovation and efficiency

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Horizon technology is driving a recalibration across financial services. Guided by a need to drive efficiency, firms are scrambling to maintain pace with competitors - or innovate beyond them. The integration of these technologies enhances productivity, mitigates operational risk and creates new opportunities for financial institutions. Failure to adopt horizon technologies could result in a loss of competitive edge and increasing inefficiencies across the enterprise over time. To achieve long term resilience and growth, organisations must take these technologies seriously and begin formulating ways to implement them across the business.

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Tokenisation: Transforming Traditional Finance through Digital Assets

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Imagine a future where any asset - whether real estate, art, or equities - is accessible to anyone, breaking barriers like geography, wealth, and institutional gatekeeping. Tokenisation is making this possible by converting assets into digital tokens that are easily transferable and universally accessible.

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Modernising core banking: a strategic imperative for future-proofing today’s banks

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As the financial industry undergoes rapid transformation, modernising core banking systems is no longer optional - it’s a necessity. With many banks still operating on legacy systems, some of which were implemented 30 to 40 years ago, these aging platforms, often heavily customised, struggle to keep pace with the demands of digital banking, real-time transactions, and seamless integration with fintech partners.

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Deciphering the ESMA opinion on MiCAR convergence: broker-dealer models & best execution requirements

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Several months following its publication, this paper examines ESMA’s 31 July opinion issued to National Competent Authorities (NCAs) and considers the impacts it is having on those seeking to operate within the parameters of Europe’s Markets in Crypto Assets Regulation (MiCAR). We assess how ESMA's guidance is reshaping the landscape for broker-dealer models, and how best execution requirements will require firms to make operational changes in a rapidly evolving regulatory environment.

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Securing the financial future

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In today's rapidly evolving geopolitical landscape, the banking sector faces an unprecedented increase in the risk of money laundering and financial crime. As the first line of defence against these threats, banks must confront the harsh reality that their existing KYC (Know Your Customer) and AML (Anti-Money Laundering) processes are being tested like never before. The heightened risk environment necessitates an urgent call to action. Now is the time to invest in innovative technology and develop a fit-for-purpose operating model. To reinforce defences to ensure they stay ahead of emerging threats as well as be a pioneer for further essential business growth.

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The future CFO

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Realising the future CFO office to drive continuous improvement is a key vector for unlocking outsized value creation and increasing market competitiveness.

As the importance of technology in business operations deepens, the CFO and finance function should be attributed remits across controlling the tech. spend agenda, owning financial / operational data, and acting as a facility for insights – evolving into a more complex role within businesses as the strategic engine room.

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Instant payments require instant action

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SEPA Instant was introduced as a key component of the Single Euro Payments Area initiative, addressing the need for a pan-European Euro instant payment solution. It represents a significant evolution in European Banking, aimed at enabling real-time, cross-border Euro transactions. This system significantly enhances the efficiency of transactions, offering a faster, more streamlined payment process across Europe with enhanced data capabilities – crucial in the modern financial ecosystem.

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Responding to CRD VI for third country banks

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CRD VI is anticipated to come into effect Jan 2027, meaning third country banks can no longer provide in-scope cross-border banking services to EU clients. The current near-final text; i) increases regulatory scrutiny across capital requirements, facilitating further oversight from national competent authorities (NCAs) of third country banks, and ii) introduces a mandatory subsidiarisation criteria of third country branches (TCBs).

For third country banks, building a a robust response to CRD VI requires evaluation and design across entity structures, technology platforms and, operating model – with key consideration of broader regulatory / compliance impact resulting from changes in operating structure.

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Solvent Exit Planning for Non-Systemic Banks and Building Societies

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The PRA published the supervisory statement SS 2/24 in March 2024 where it set out the new rules and expectations for non-systemic banks and building societies. The proposed Solvent Exit exercise expects the firms in scope to make preparations for ‘Solvent Exit’ as part of their BAU activities. The crux of the regulation is: orderly wind down after returning or transferring deposits and cancellation of the Part 4A PRA permission.

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A COO’s Conundrum

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Financial Services firms face global economic pressures, including fluctuating interest rates, geopolitical tensions, and stringent regulatory requirements. Rapid technological advancements like Blockchain and Generative Artificial Intelligence (Gen Al) add to the complexity of the landscape. To thrive, firms must set ambitious strategic goals, building on a foundation of operational excellence to innovate and remain competitive. It has never been more difficult for those in charge of operations to know where to place their bets. With this whitepaper we aim to simplify all of that.

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Trading Activity Wind Down (TWD)

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Valentia Partners evaluates the challenges associated with implementing the Trading Activity Wind Down (TWD) requirements outlined in the PRA’s Supervisory Statement SS1/22 of May 2022, with a focus on meeting the regulation deadline of March 2025. We also explore enhancements for any potential post-implementation Book of Work (BoW); and suggest areas where regulatory forbearance from the PRA could be sought.

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Day 2: The Role of Technology in Continuous Improvement

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The FCA’s new Consumer Duty regulation has had a profound impact on the financial services market since it’s go-live in July-23. Valentia Partners takes a look at some of the challenges firms have faced since Day 1, what is required to implement effective monitoring and reporting processes, and how firms can future-proof procedures to ensure they act in the interests of their consumers in the future.

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Review of Sustainability Regulations

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Valentia Partners takes a closer look at recent sustainability requirements that may have implications for Financial Services businesses and their clients. On the 28th of November 2023, the UK Financial Conduct Authority (FCA) published the Sustainability Disclosure Requirements (SDR). This policy aims to address risks of ‘greenwashing’ and enhance transparency across sustainable investments.

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Crypto Pathfinding

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Entry Strategies for Traditional Firms.

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Emerging Applications of DLT in Financial Services

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Three tokenization solutions attracting investment.

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Preparing for Market in Crypto Assets (MiCA)

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Approaching the Consultation Packages.

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Signposting Digital Asset Adoption

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Six indicators that signal the direction of digital asset adoption.

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Harness ESG as a Catalyst for Greater Operating Model Sustainability

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Environment, Social and Governance are a sometimes-uncomfortable juxtaposition of ideas. Collectively they speak to sustainability and catalyse change across the operating models of Financial Services business. Here we discuss how to engage, prioritise and deliver ESG-inspired change in Financial Services.

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Innovating The Customer Journey Around ESG

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Financial Services customers will each have their own ideas as to how ESG should be factored into the service they receive. Standard customer journeys cannot accommodate this. We address what needs to change.

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Harnessing the potential of ESG data

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ESG is an industry changing opportunity to embrace sustainability and access new, long-term value pools. It’s also an enormous challenge for Data and Analytics capabilities.

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UK SDR – Marking Boundaries for “Sustainable” Finance

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Upcoming UK ESG regulation may be the most important shift yet for authentically sustainable finance.

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ESG as a risk management framework for secured lending

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The combined effects of climate change, socio-economic change, and the shift towards a more credit driven economy expose lenders to greater and more diverse risks than ever before. ‘ESG’ provides a framework that enables sustainability analysis.

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