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Human Resources

Tackling the shortage of skilled workers – is more really always better?

Quality over quantity: the decisive difference in recruiting

In an interview with Christian Binder, the founder of Finstep, we talked about the current state of financial education in Germany. The fintech company’s app features animated short videos that tackle questions like “How do I finance my education?” and “How do I get my first apartment?” while engaging young people with gamification approaches.

Blog

There is no digital transformation without a digital mindset: interview with ONESTOPTRANSFORMATION

How can banks successfully implement transformation? Interview with Julian Knorr, CEO of ONESTOPTRANSFORMATION AG, provides comprehensive insights into the multifaceted nature of digital transformation and elaborates how a digital mindset underpins technological innovation, process optimization and new business models.

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Latest articles

Human Resources

Tackling the shortage of skilled workers – is more really always better?

Quality over quantity: the decisive difference in recruiting

Finance & Risk

The CSDDD has been introduced: What are the additional requirements for banks and savings banks?

The Corporate Sustainability Due Diligence Directive (CSDDD) aims to prevent human rights violations and environmental harm during product and service manufacturing within the EU.

Research & Markets

European private client business 2024–2026: steadfast island in the storm?!

The year 2023 stood out as exceptional for banks across European markets. Business with private clients flourished. This begs the question of what the years to come will bring for banks operating in European private client markets?

Research & Markets

Planning tomorrow’s real estate investments today – part 1: zeb.solution framework

In the current volatile environment, the future of the real estate market is characterized by a variety of challenges, but also opportunities.

Innovation & Digital

CARF and DAC 8: new reporting obligations for EU crypto-asset service providers

New transparency and reporting requirements for crypto-asset service providers as per the Crypto-Asset Reporting Framework (CARF), the Common Reporting Standard (CRS) and the DAC 8.

Research & Markets

ESG transformation advancing but still in progress

Every quarter, zeb.market.flash provides an overview of the performance of the world’s largest banks (measured by market capitalisation). This issue (#49 – July 2024) deals in detail with our special topic "ESG transformation advancing but still in progress".

Research & Markets

The resurgence of problem loan management – challenges for banks

Loan management is becoming a critical concern for financial institutions.

Human Resources

What Generation Z professionals really expect from their employer!

What characterizes Generation Z, whose demands are disrupting the labor market? And how can companies ensure that they remain attractive to young talent as the world of work evolves?

Research & Markets

Determining heirs, shaping the future – estate forecasting

In the coming years, banks must aim to identify heirs and promote the retention of inheritable assets that are at risk of migration – the zeb.estate forecast is a suitable tool to achieve this.

Human Resources

Employee health as a critical success factor: can corporate culture serve as a cure-all?

The existence of psychological safety not only fosters a health-oriented corporate culture but also underpins organizational high performance!

Research & Markets

The interest rate risk conundrum

What is behind the alleged discrepancy between the banks’ negative IRRBB exposures and the observed increase in profitability? Which hedging strategies should banks use in the changed environment?

Research & Markets

Asset Management Study: trends and success factors for profitable business in the long term

Current geopolitical developments and the resulting economic shocks pose new challenges for asset managers. In our asset management study conducted in 2023, we analyse current developments in the European asset management industry.

Innovation & Digital

MiCAR: navigating through MiCAR’s licensing processes

Overview of licensing processes according to the pan-European Markets in Crypto Assets Regulation (MiCAR)

Research & Markets

A splendid start into a potentially challenging year

Every quarter, zeb.market.flash provides an overview of the performance of the world’s largest banks (measured by market capitalisation). This issue (#48 – April 2024) deals in detail with our special topic "CRE in turmoil and vulnerability of Western European banks".

Innovation & Digital

MiCAR: requirements for crypto asset service providers

An overview of general and specific requirements for crypto asset services providers (CASPs) according to the pan-European Markets in Crypto-Assets Regulation (MiCAR).

Innovation & Digital

The power of super apps: their potential for the financial industry

After an innovation trip to Asia and an in-depth analysis of local conditions in Germany, we are convinced that super apps could shape the future of banking.

Innovation & Digital

MiCAR’s classification of crypto assets and services

Overview of crypto assets and services classification according to the pan-European Markets in Crypto-Assets Regulation

Research & Markets

Banking prospects 2024: “soft landing” or recession?

Banks caught between favorable forecasts and acute risks

Innovation & Digital

Will AI replace us or make our work easier? – an international study

An international study led by zeb.business school in collaboration with academic partners from ten nations is investigating the impact of AI on work practices.

Innovation & Digital

Five steps to successful AI adoption in small and medium-sized financial institutions

To ensure that financial institutions of all sizes can leverage AI throughout their organizations, five key steps need to be considered.

Blog

We celebrate 10 years of BankingHub!

The BankingHub turns 10! What were the original intentions behind the BankingHub? And what is the BankingHub today?

Human Resources

Culture and strategy in banks as keys to success?

What drives companies’ performance and success? How do they know who has to do what? What makes employees strive for the ongoing success of their company?

Research & Markets

The future of banks: despite a positive outlook, caution is advised in 2024

Every quarter, zeb.market.flash provides an overview of the performance of the world’s largest banks (measured by market capitalisation). This issue (#47 – January 2024) deals in detail with our special topic "2024 – transitional year to a new equilibrium".

Innovation & Digital

Many opportunities for AI in the financial sector: Visa is one example

Jeroen van Oerle, portfolio manager, Global FinTech, discusses the application of generative AI, using Visa as an example.

Human Resources

Is a personnel strategy smart without AI?

Looking into the future, we can already state: a personnel strategy without systematic use of AI components will hardly stand a chance of achieving HR departments’ goals!

Blog

A look back at the banking industry’s year 2023

For almost ten whole years now, the BankingHub has been providing you with insights into the financial sector in line with our guiding principle “Sharing is caring”. Our focus topics 2023.

Research & Markets

Corporate Banking Study 10.0

Given the many new opportunities that have arisen in corporate banking, banks’ earnings potential is expected to rebound in the medium term.

Research & Markets

Green funding: the path to green bond issuance capability

Not all types of green bonds are suitable for every institution. Since far more than just the financial side must be taken into account for this type of issuance, the choice of the right financing instrument has strategic implications.

Innovation & Digital

Electronic securities and the choice of register solution

How is the market for electronic securities and technical solutions developing? Is scalability the main differentiator? In cooperation with tokenforge, we take a look at the current development of the market for electronic securities and technical solutions for maintaining a crypto securities register.

Research & Markets

How to future-proof client care and sales in private banking

How can private banking providers learn from developments in retail banking and how can they translate these insights into successful sales strategies for their own clientele?

Research & Markets

Cross-border business of Swiss asset managers

Compared to onshore markets such as Germany, Switzerland benefits more from demographic developments and asset growth in the rest of the world. Can Switzerland keep up with the fundamental changes in the industry?

Research & Markets

Economies and banks at a pivotal turning point

zeb.market.flash, Q3 2023: (Issue 46 – October 2023): regulatory gaps between the U.S. and the euro area.

Finance & Risk

New ECB guidelines on risk data aggregation and risk reporting

Ever since the ECB’s announcement of its supervisory priorities for 2023–2025 in December 2022, followed by Andrea Enria’s keynote speech during the Annual Conference on Banking Supervision in March 2023, it has become clear that banks will have to revisit the compliance gaps in their risk data aggregation and risk reporting processes. Implications for G-SIBs and opportunities for smaller banks.

Research & Markets

Unveiling BigTechs’ future moves: from current state to industry domination?

BigTechs’ initial entry into the market provides valuable insights into their possible medium to long-term trajectories. Individual BigTechs may chart different paths based on their unique capabilities, existing product portfolios, and strategic objectives.

Research & Markets

German fleet leasing market – can the expansion of management services be a driving force in the future?

The fleet leasing business in Germany is facing new challenges. A highly competitive market and demanding macroeconomic circumstances call for new growth strategies.

Research & Markets

The future role of BigTechs in financial services

BigTechs’ disruption of financial services is just getting started: the future role of BigTechs in financial services.

Finance & Risk

BaFin sets the focus on the credit institutions’ real estate portfolios

In addition to the usual audit types, BaFin has established “real estate business“ as a new focus area for its audits.

Research & Markets

Marathon towards “net zero”: the role of banks in achieving climate neutrality

How to develop a science-based pathway aimed at reducing financed GHG emissions to achieve “net-zero” status.

Latest articles

Articles on banking trends, regulatory innovations, digital transformation and economic dynamics in the financial industry

Human Resources

Tackling the shortage of skilled workers – is more really always better?

Quality over quantity: the decisive difference in recruiting

Finance & Risk

The CSDDD has been introduced: What are the additional requirements for banks and savings banks?

The Corporate Sustainability Due Diligence Directive (CSDDD) aims to prevent human rights violations and environmental harm during product and service manufacturing within the EU.

Research & Markets

European private client business 2024–2026: steadfast island in the storm?!

Research & Markets

Planning tomorrow’s real estate investments today – part 1: zeb.solution framework

In the current volatile environment, the future of the real estate market is characterized by a variety of challenges, but also opportunities.

Innovation & Digital

CARF and DAC 8: new reporting obligations for EU crypto-asset service providers

New transparency and reporting requirements for crypto-asset service providers as per the Crypto-Asset Reporting Framework (CARF), the Common Reporting Standard (CRS) and the DAC 8.

Research & Markets

ESG transformation advancing but still in progress

Research & Markets

The resurgence of problem loan management – challenges for banks

Loan management is becoming a critical concern for financial institutions.

Human Resources

What Generation Z professionals really expect from their employer!

What characterizes Generation Z, whose demands are disrupting the labor market? And how can companies ensure that they remain attractive to young talent as the world of work evolves?

… can be found here under these selected focus topics of our website:

Crypto mining: what is it and how does it work?

Crypto mining is a process in which computing power is made available to process transactions verify them and synchronize all users in a blockchain network. This process is called “mining”, analogous to gold mining.

Crypto mining refers to the process of verifying blockchain transactions as proof-of-work and receiving rewards in the form of native tokens of the respective blockchain.

Learn about the process and how it works

Community and services

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Infographics

See concise visualizations of facts and figures from Research & Markets, Banking, Innovation & Digital.

Media database

From open banking to open finance

Open banking dynamics have recently increased and reached broadly relevant levels. In the shorter term, the capturing of daily banking income pools is expected to be a major driver of development; in the medium term, a broadened regulation, especially the Financial Data Access (FIDA) Framework, is expected to further promote open finance.

In several European markets, a significant share of customers already wants banks to open up their service offerings, and the generational shift will support that trend. On the supply side, a broad zeb.survey of integrated third-party service providers across Europe and beyond documents the ample availability of potential solutions.

All banks should revisit the open banking playing field and renew their respective strategies, road maps, and initiatives.

More about open finance

Interviews

Insights and comments on the latest topics in banking

Woman looking at a financial chart as metaphor for financial education

What is financial education, and where does it begin? Interview with Finstep

Read on »

Julian Knorr, CEO of ONESTOPTRANSFORMATION AG

There is no digital transformation without a digital mindset: interview with ONESTOPTRANSFORMATION

Read on »

Simon Läpple, economics graduate and certified restructuring manager, Magnit

Skill-based recruiting in the financial sector

Interview with Simon Läpple, Magnit, about agile approaches to pursue his vision of a collaboration between companies and talented employees that is beneficial to everyone involved.

Read on »

Maria Mondry, Head of Banking at Tomorrow in an interview about financial literacy

How financially literate is Gen Z? An interview with Tomorrow

What similarities and differences are there between Generation Z and other generations in their handling of, attitude towards and knowledge of their own finances? This question prompted us to talk to Maria Mondry, Head of Banking at Tomorrow, about the topic of financial literacy.

Read on »

General Topic list

See our general banking topics in an A to Z overview

Agile leadership in times of change

The key lever for a successful modern organizations is agile leadership. What are the main challenges and what is their impact on leadership?

Learn more »

Alternative asset classes – investing beyond stocks and bonds

Overview of selected alternative asset classes, trends and implications for market participants.

Learn more »

Ambidexterity: successfully managing contradictions

What is ambidexterity? How can banks and insurance companies implement it?

Learn more »

Artificial intelligence (AI) and analytics in the financial services sector

The term “artificial intelligence” refers to technologies that emulate and support human abilities in seeing, hearing, analyzing, deciding and acting.

Learn more »

Abstract network 3D as metaphor for asset tokenization

Asset tokenization: the path towards securities 2.0

What exactly does tokenization mean and how can banks profit from it?

Learn more »

Change management – esoteric or indispensable?

Change management in IT transformation projects – esoteric or indispensable?

What is Change management?

Learn more »

Financial services available through the website on mobile devices as metaphor for the article "Digital assets – what is it all about"

Digital assets – what is it all about? Definition and development of a market that will be worth billions

Which drivers will influence the market environment for digital assets in the future?

Learn more »

Digital euro – definition and benefits

The digital euro is coming. The digital euro’s design will determine how it is going to benefit citizens and banks.

Learn more »

End-to-end organization (E2E)

E2E processes encompass a ready-to-go service delivery concept that covers the entirety of customer needs – at least from their point of view.

Learn more »

ESG or environmental social governance. The company development of a nature conservation strategy

ESG – What does ESG mean for the financial sector?

Sustainability is a megatrend that permeates all levels of social life. What impact do ESG (environmental, social and governance) criteria have on banks? – Challenges and opportunities for banks.

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Intelligent process automation – what’s that? Definition and development

Intelligent process automation refers to the transformation of business processes that previously could not be automated, because they involved the processing of unstructured data, and therefore had to be performed manually.

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Metaverse – what matters now for financial institutions

Metaverse – What’s in it for financial institutions?

What is the metaverse? What are the use cases for financial institutions and what key factors need to be considered when establishing a presence?

Learn more »

MiCAR: crypto asset regulation in the EU

MiCAR unveiled: our comprehensive guide to crypto asset regulation in the EU

An overview of the European Markets in Crypto-Assets Regulation

Learn more »

What is asset management? Definition + trends

The term “asset management” refers to the financial service of managing assets by means of financial instruments with the aim of increasing the invested assets.

Learn more »

What is Banking-as-a-Service (BaaS)?

What is Banking-as-a-Service? Which banks and institutions may benefit from BaaS?

Learn more »

The role of stablecoins and CBDCs in the financial world of tomorrow

For a long time, stablecoins were overshadowed by cryptocurrencies and only a few digital asset experts were familiar with them.

This changed abruptly in 2022, at the latest with the demise of Terra Luna and the ensuing scandal, thrusting stablecoins and central bank digital currencies (CBDCs) into the media spotlight.

New in Topics

Various types of electronic securities and tokens that are issued using DLT systems

Crypto fund unit

A crypto fund unit is a share in investment funds or in individual share classes of an investment fund that is registered in a crypto securities register. The German Electronic Securities Act (Gesetz zur Einführung von elektronischen Wertpapieren, eWpG) also extends to electronic investment funds share certificates, which can thereby also be held in a central register.

Learn more »