In the modern fast-paced capital markets, every second counts. Imagine executing a trade in Frankfurt, affirming it in Luxembourg, and seeing assets delivered in a matter of hours.
That’s the promise of the emerging rollout of T+1 Settlement across the European Union and UK. Slated for full effect by October 2027, this regulatory leap doesn’t just align the European markets with heavyweight counterparts such as the US, Canada and India; it rewrites the pace and risk profile of securities trading across the entire continent.
In the modern fast-paced capital markets, every second counts. Imagine executing a trade in Frankfurt, affirming it in Luxembourg, and seeing assets delivered in a matter of hours.
That’s the promise of the emerging rollout of T+1 Settlement across the European Union and UK. Slated for full effect by October 2027, this regulatory leap doesn’t just align the European markets with heavyweight counterparts such as the US, Canada and India; it rewrites the pace and risk profile of securities trading across the entire continent.
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.
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.
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.
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.
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.
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.
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.
