We spoke to Malte Harwardt, Head of Business Development at Munich-based fintech company CoinTracking, about what impact the introduction of DAC 8 (EU Directive on Administrative Cooperation) and the related CARF (Crypto-Asset Reporting Framework) will have on the German and European markets.
Extreme market fluctuations are challenging German regional banks to fundamentally rethink their interest book strategy. But how can banks not only react to such developments but also anticipate them? This article aims to go beyond a mere review.
Sunny times in private banking? For years, private banking and wealth management have been the only segments in the private customer market to record significant growth. According to our calculations, this trend will continue with a growth rate of 5–7% at least until 2028. In the Private Banking Study Germany 2024, we have comprehensively analyzed the German private banking market .
How can leaders successfully navigate their teams through turbulent times? A decisive answer to this question lies in an often underestimated aspect of modern leadership: psychological safety.
zeb.market.flash #51, Q4 2024: Trump’s tariff policy, a historic borrowing package for defense and infrastructure in Germany – the current issue focuses on the latest major political developments in Germany and the world.
Raik Hering, Head of Custody and Cash Services at dwpbank, on the implications of shortening the settlement cycle from T+2 to T+1.
What are the MiCAR requirements? How can organizations achieve MiCAR compliance? We introduce the zeb.MiCAR Compass, a framework designed to navigate the complex requirements of the Markets in Crypto-Assets Regulation (MiCAR). MiCAR creates EU-wide legal certainty for crypto assets and services.
The progress and impact of artificial intelligence were the key topics of this year’s SXSW Conference, which ended last weekend in Austin, Texas. Discussions at the conference revolved around technological aspects such as robotics and the integration of AI into biotechnology, as well as the economic and social implications of AI, including the concentration of power and growing inequality.
The future of the capital market will be increasingly digital, efficient and sustainable. The trends and technologies showcased during the 9th Singapore FinTech Festival (SFF) week offer banks considerable opportunities, but also – as is so often the case – present them with new challenges.
Interview with Maha Al-Saadi, Head of Regulatory Affairs at QFC, regarding the status quo of digital assets in Qatar, current initiatives and the focus of Qatari digital asset use cases
Many banks and insurance companies are stagnating in the German bancassurance market. What differences exist between successful and less successful collaborations? And what factors decisive for the success of bancassurance cooperations?
An interview with the authors of the CFO Study 2024: How can banks leverage the potential of AI to optimize their processes and achieve measurable success?
Green lending products as a strategy for the future: how banks develop sustainable financing solutions to meet the growing needs of their customers and remain competitive
Effectively managing rising default rates in the lending business
With more than 1,800 articles published over the past decade, we have become a pivotal news platform and the go-to source for experts and people interested in banking. THANK YOU, dear readers, (guest) authors and experts: your trust has driven us forward and made us what we are today.
Austria’s regional banks are facing the challenge of asserting themselves in a changing market environment. This can, however, also be an opportunity. The integration of ESG criteria offers banks a unique chance not only to transform their business models, but to tap into new sources of income.
Global AUM growth regained speed and the market grew by around 9%. Despite this upswing, however, market growth alone is no reason to sound the all-clear!
The period of growth in the global real estate market has come to an abrupt end. Opportunities to diversify real estate portfolios: products and services of the zeb.solution framework.
How can financial institutions upscale their digital asset business model to serve the mass market?
The recently published study “Impact of geopolitical risks on the Swiss financial center and its business models” by the Swiss Bankers Association (SBA) and zeb/zeb.business schoolis the first to carry out a data-driven analysis of the impact of geopolitical changes on the financial center.
What are the main obstacles financial institutions will face in defining a target trajectory in practice? Practical solutions for dealing with these challenges.
The risk relevance threshold offers a valuable opportunity to simplify processes and at the same time ensure compliance with regulatory requirements.
Settlement cycles in securities business are about to undergo a profound change. Strong indications suggest that the European Union will shorten the settlement cycle for securities transactions to T+1, thereby aiming to further reduce settlement risks and align with international standards.
Despite being in force since 2018, many institutions still struggle to fully comply with MiFID II and MiFIR regulations. Recent supervisory actions conducted at EU level have highlighted significant areas for improvement …
The shortage of skilled workers has become an omnipresent issue for board members and HR managers in the financial services industry – and that’s a good thing!
Every quarter, zeb.market.flash provides an overview of the performance of the world’s largest banks (measured by market capitalisation). This issue (#50 – October 2024) deals in detail with our special topic “Biodiversity crisis: an underestimated challenge”.
What’s special about the investment behavior among Gen Z? Which success factors should wealth managers consider in this context? In this interview, Mr. Thienel, Director Product Core Banking, Universal Banking, at Finastra, answers these and many more questions about wealth management and the securities business of the new generation.
Pension buyouts: effects and risks
In cooperation with the Liechtenstein Bankers Association, zeb asked 36 European financial institutions, including large, state/cantonal and domestic-oriented banks, to self-assess their ESG status quo. The outlook for the institutions surveyed is sobering: the majority still face significant challenges on their path to sustainable transformation.
We had the great pleasure of conducting an interview with Christin Stock, who used to be a consultant at zeb. Now she works at VR Bank Rhein-Neckar as Head of Corporate Development and Sustainability.
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.
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.
The Corporate Sustainability Due Diligence Directive (CSDDD) aims to prevent human rights violations and environmental harm during product and service manufacturing within the EU.
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?
In the current volatile environment, the future of the real estate market is characterized by a variety of challenges, but also opportunities.
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.
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.
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”.
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.
Kamil Niewiatowski, Country Manager of Raiffeisen Digital Bank Poland, about the future of banking, the peculiarities of the Polish and Romanian markets and the increasingly popular AI tools.
Loan management is becoming a critical concern for financial institutions.
Interview with Jarosław Łach and Anna Stepanów about AI implementation and the future of AI solutions at BNP Paribas Bank Polska.
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?
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.
The existence of psychological safety not only fosters a health-oriented corporate culture but also underpins organizational high performance!
We spoke with Moritz Schildt, CEO of coinIX GmbH & Co. KGaA, about coinIX, venture capital investments in crypto projects and start-ups, the potential of tokenization, and the projected landscape of the digital asset and DLT economy by 2030.
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?
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.
Overview of licensing processes according to the pan-European Markets in Crypto Assets Regulation (MiCAR)
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”.
What is social media recruiting and what needs to be considered?
An overview of general and specific requirements for crypto asset services providers (CASPs) according to the pan-European Markets in Crypto-Assets Regulation (MiCAR).
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.
We talked to Torsten Joseph, Lead Solutions Consultant at Finastra, about the current state of open banking and open finance and his views on possible use cases, particularly in the capital markets.
Overview of crypto assets and services classification according to the pan-European Markets in Crypto-Assets Regulation
Banks caught between favorable forecasts and acute risks
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.
To ensure that financial institutions of all sizes can leverage AI throughout their organizations, five key steps need to be considered.
The BankingHub turns 10! What were the original intentions behind the BankingHub? And what is the BankingHub today?
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?
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”.
Jeroen van Oerle, portfolio manager, Global FinTech, discusses the application of generative AI, using Visa as an example.
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!
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.
We had the opportunity to discuss the topic of impact investing with Daniel Valenzuela, Head of Impact at World Fund, a venture capital company that was founded in 2021 and specializes in funding climate tech start-ups.
Given the many new opportunities that have arisen in corporate banking, banks’ earnings potential is expected to rebound in the medium term.
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.
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.
We had the opportunity to talk to Leonhard Kossmann, one of the co-founders of Fundvis.
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?
In our interview with Binjamin Sancar, Member of the Board at Raiffeisen OÖ Ventures, we give you an insight into the beyond banking steps Raiffeisen OÖ Ventures is taking and the opportunities and challenges this entails.
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?
zeb.market.flash, Q3 2023: (Issue 46 – October 2023): regulatory gaps between the U.S. and the euro area.
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.
Michael Hülsiggensen, Head of the D-A-CH region at SurePay, gives us insights into the developments of instant payments and the associated challenges in fraud prevention. SurePay is a provider of a payee verification solution, also known as “IBAN Name Check”.
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.
The fleet leasing business in Germany is facing new challenges. A highly competitive market and demanding macroeconomic circumstances call for new growth strategies.
BigTechs’ disruption of financial services is just getting started: the future role of BigTechs in financial services.
In an interview with Marina Fleischhauer, head of the ecosystems department, and Daniel Werther, head of sales for construction financing at Volksbank Mittelhessen, we talked about opportunities for change, the transformation process “from construction financing specialist to home construction and improvement advisor”, and experiences gained to date.
Interview with Tjark Klindworth from Volksbank eG Südheide – Isenhagener Land – Altmark. With the joint venture QUIDT, Tjark Klindworth develops innovative, digital solutions for regional small and medium-sized enterprises that go beyond the scope of their core business.
In addition to the usual audit types, BaFin has established “real estate business“ as a new focus area for its audits.
How to develop a science-based pathway aimed at reducing financed GHG emissions to achieve “net-zero” status.
Quo vadis, retail business in asset management? How is the market evolving and what does this mean for asset managers?
The value chain of asset managers could be almost completely automated and digitally mapped – in theory, human action and interaction are hardly necessary anymore.
The implementation of the “Model Law on Electronic Transferable Records”, comes with the expectation of an increasing digitalization of international trade and thus trade finance. With Elena Sankova from software provider Finastra we discussed how this process can be accelerated and how banks can position themselves in this area.
Interview with Dr. Philipp Stein (PS) and Dr. Kai Krieger (KK), Chief Representative and Change Manager Transformation at Volksbank Mittelhessen.
Interview with Pablo Hess, one of the two fund managers of Tungsten TRYCON AI Global Markets, about the opportunities and difficulties of using AI in investment processes.
We’ve investigated the opportunities associated with digital acquisition of new customers for private banking providers.
The “disloyal” Generation Z: ways to successfully retain employees. Gap between staff recruitment and staff retention
The qPMO as a versatile game changer. We share the experience gained from using our qualified PMO.
zeb.market.flash Q2 2023 (Issue 45 – July 2023): regulatory gaps between the U.S. and the euro area.
We had the opportunity to speak with Jean-Pierre Schmit, the founder of jemmic. In 2019, jemmic launched the SecuChat messaging platform.
What medium-term interest rate scenarios are possible? What are the consequences for European banks? And what control levers, if any, do institutions have in this situation?
A client query made us delve deeper into “Automatic text summarization”.
Processes for existing business are often neglected, even though they are the most common lending processes in banks.
Transparency is everything: crypto-assets in accounting.
How can financial institutions fully tap the potential of digital assets without neglecting compliance and AML issues?
ESG has become a key topic of public debate. It is also being widely discussed within the financial services industry. In this article, we focus on the funding aspect, using green bonds and customer deposits as specific examples.
Click to Pay is the catchy name of a new process that is set to become established in German online retail in 2023.
The word “skilled” will have to be deleted from the phrase “shortage of skilled workers”!
The increasing scope of ESG data requirements, however, poses significant challenges for financial institutions.
AI as technological support in the document verification process.
zeb.market.flash Q1 2023 (Issue 43 – April 2023): Banking crisis 2.0 and its regulatory implications
Regional banks must rethink and reshape their deposit business. Sales challenges faced by savings banks and cooperative banks.
What are the key factors for long-term customer focus, efficiency and entrepreneurship in E2E transformation?
Analysis, simulation, focus topics and outlook: the private banking market in Austria.
![Thede Küntzel, Manager Projects & Innovation at Sparkasse Bremen and Managing Director of ÜberseeHub GmbH.]](https://www.bankinghub.eu/wp-content/uploads/2023/04/thede-kuentzel-bankinghub-768x549.jpg)
The power of collaboration: Thede Küntzel, Manager Projects & Innovation at Sparkasse Bremen, on the opening up of new opportunities for collaboration between banks and fintechs.
Credit events: a global perspective In our review of the 2022 lending business, we examined credit events and trends around the
In the interview with Marco Wolf, co-founder of UK start-up Novus World Ltd, we talk about how it all began, the challenges NOVUS had to overcome when dealing with venture capitalists, and what comes next.
DORA establishes a legal framework for the direct monitoring of critical third-party ICT service providers (especially large cloud computing service providers).
How can a regional bank with limited resources develop future-proof process management? Are the process management goals currently being achieved?
Analytical framework for bank management to identify and eliminate weaknesses. In specific cases, it even uncovered earnings potential.
The assets of German private banking customers are growing steadily: in 2022, they already amounted to EUR 7.2 trillion and are expected to increase to EUR 10.3 trillion by 2027. In our Private Banking Study Germany 2022, we have comprehensively analyzed the German private banking market. In this article, we provide an insight into the results.
The crypto debate: Is the crypto crisis the end of Bitcoin & other cryptocurrencies, or a call for stronger regulation? In this interview, Dr. Nils Bulling, Head of Strategic Innovation, Ecosystem & Digital Assets at Avaloq, shares his personal view on the current crisis in the crypto market and his predictions of how cryptocurrencies such as Bitcoin could develop in the future.
How innovative ESG data solutions provide more transparency in the fund industry.
Trends and market potential in the “Buy Now, Pay Later” market 1) Mr. Huffmann, what trend development has Mondu observed
Interview with Günther Froschermeier, co-founder of CCV GmbH, about competition in the payments industry and the latest developments in payment transactions.
An approach, which recruitment consultancies have been using for a long time and for good reason.
Established financial institutions have good reason to continue their crypto projects. The current crisis in the crypto market is also an opportunity.
Dynamic Risk Management (DRM) is a standard currently under development to reflect interest rate risk management measures in financial reporting.
Regulatory requirements merely provide the framework – the institution-specific implementation can be based on different modeling approaches.
Skilled workers will be in short supply in Germany in the future. One in 14 positions will be unfilled in about seven years.
zeb.market.flash Q4 2022 (Issue 42 – January 2023): Essential value drivers in banking
What do the new rules mean for financial institutions? To what extent will the new AI Liability Directive affect the already highly regulated financial industry – also in Germany?
New models for cost governance in the context of market evolution, new competitive forces and regulatory requirements.
With MLOps, IT managers can ensure that efficiencies are gained when moving from pilot to scale.
Secure business communication: how financial institutions implement secure and legally compliant instant messaging
Interview with André Höck, Head of ESG Integration at EB – Sustainable Investment Management GmbH, a subsidiary of Evangelische Bank, about the opportunities, risks and challenges of impact investing.
Challenges of the interest rate turnaround require cross-divisional cooperation.
Year nine of the BankingHub is rapidly drawing to a close. We’ve picked out some of the key topics published on the BankingHub over the course of the year.
Document processing using the example of real estate finance.
The EU is facing a massive transformation of the real and the financial economy due to climate change. Operational and regulatory relevance of carbon accounting.
zeb.market.flash Q2 2022 (Issue 42 – November 2022): Banks’ strong performance fuels hope for upcoming quarters
Mr. Nascisonis, CEO of Crypto House Capital, about the metaverse, the opportunities for virtual real estate projects and the impact of the recent downtrend of the crypto market.
Currently, the main models used for derivative pricing are based on arithmetical models. Their weakness, however, is their performance. Derivative valuation using machine learning may be the future in several areas of financial institutions.
The BankingHub is looking for you as a student with creative talent! Post your content on the BankingHub and win great prizes!
Interview with Till Keller, Managing Director FX Sales – Germany, Switzerland, Austria at Ebury, on the current challenges in foreign payments and related solutions.
Interview with Tobias Seidl, co-founder of STOKR.
When is an investment classified as taxonomy-aligned? The business of automotive banks against the background of the EU taxonomy.
Leadership has to be different now. But how exactly?
After relaunching our BankingHub website, we spoke to Jörg Howein, the initiator of the BankingHub platform, about current developments and trends in the banking sector.
Assessment of the data lakehouse concept for financial services providers.
Mr. Frank Breuss (CEO of Nikulipe) about the provision of local payment methods in Fast-growing and Emerging markets, the growth potential in the e-commerce business and new technologies in payments.
We talked to Amari Groß, the founder of Goldie Tech, about how the fintech start-up attempts to revolutionize the gold market through its white-label solution for banks.
Crowdfunding will be standardized across the EU with the introduction of a Regulation on European Crowdfunding Service Providers (ECSP).
“Manage your financial future yourself” – that’s the order of the day according to Dr. Stefan Steib, founder of finCraft. How finCraft helps stock market beginners manage their own finances.
Interview with Moritz Schildt, Chairman of the Supervisory Board of coinIX GmbH & Co. KGaA.
The goal of the DLT pilot regime is to create a new and innovation-friendly regulation: Challenges & opportunities.
In 2021, for the second time since 2019, zeb conducted a study on the use of AI in the building society sector. The results show that AI has clearly gained in importance and initial implementation projects have been launched.
zeb.market.flash Q2 2022 (Issue 41 – July 2022): It is official: The era of zero interest rate levels seems to be over, but banks are currently not dealing with an isolated and gradual rate increase.
How secure and explainable machine learning can open up new potential for financial institutions.
The EC published its digital finance strategy on September 24, 2020. Its key element is the proposal for a Regulation on Markets in Crypto-assets (abbreviated as MiCAR). Is MiCAR a real game changer for the crypto industry?
Supervisors focus attention on AI Banks must follow suit – BaFin defines minimum requirements for use of AI The purpose
Four hypotheses on the future of internal segment accounting in regional banks. Management impulses and conclusion.
How fast are crypto securities growing in Germany? What are the benefits and obligations? Find our answers.
Why should we address unconscious biases? Answers and anti-bias strategies.
Sustainable finance is an integral part of the real economy and the financial markets. Read how the Sustainable Finance Roadmap helps in the fight against greenwashing!
We talked with Mirco Recksiek about DeFi. Decentralized finance has the potential to change the world of finance permanently.
“VR-Crowd” – from an innovative idea to an established equity crowdfunding platform.
What does Request to Pay mean? And how is the savings potential through end-to-end automation with R2P?
Approaches to prioritizing different business requirements for financial service providers’ IT.
zeb.market.flash Q1 2022 (Issue 40 – April 2022): Post-war economic perspectives and impact on banks.
How can we win over Generation Z to financial products? Interview with Jes Hennig, co-founder and CEO at pockid.
Interview with Daniel Scheiber, Group Head of Conversational & AI at CREALOGIX
Find the best-fitting operating model in order to ensure future readiness in the Asset Management industry!
Jens Holeczek, representing the Volksbanken and Raiffeisenbanken, gives us answers on the topic of the digital euro.
Focus on sustainability risk reporting
Interview with Ulf Loetschert of LoyJoy about the opportunities presented by chatbots, from lead generation to the future potential in the coming years.
FinTechs & challenger banks rely on design in banking in their strategic positioning. Does this success factor also apply for traditional players?
How can processes in the customer service center be automated and accelerated using chatbots? Insights into the potential of chatbots in the banking sector.
It’s not about political correctness nor about feminism – it’s all about economic success
The EU taxonomy for sustainable investments is the key basis for assessing the sustainability of economic activities and is relevant for several other EU regulations.
Business successions as a source of income for regional banks.
The high demand from retail customers for digital assets and cryptocurrencies is proving to be a challenge for regional banks!
Interview with Thomas Elm, Managing Director at UI/UX provider Goodpatch in Germany
A global perspective on key events: We analyzed and evaluated credit events from more than 45 countries on five continents over the course of 2021.
Benefits of modern customer interaction for banks’ business model.
Characteristics of a successful corporate culture and levers for its establishment.
zeb.market.flash Q4 2021 (Issue 39 – January 2022): The green investment challenge.
In parallel with discussions among the members of the EPI interim company, we sat down and developed five theses around the rise (and possible fall) of EPI.
Interview with Martin Wallmann from Clearwater Analytics.
A report from the Payment Summit 2021 in Hamburg.
zeb.market flash Q3 2021 (Issue 38 – October 2021): Money, money, money? – Central banks’ own answer to the crypto boom
Embracing the green revolution: A step forward for banks to embrace the green revolution.
Interview with Karl im Brahm, CEO of Avaloq Sourcing AG and Head of Germany of the Avaloq Group
Cloud services in the credit business: Future-proof alignment of the process and IT architecture.
The regulatory developments of the past years highlight the huge importance of liquidity risk management and the associated challenges.
Fields of action and measures for boosting income from the securities business.
Results of the study on the Luxembourg retail banking market.
From wallflower to integral strategy component: Perspectives and considerations for long-term success in corporate banking
How consumer credit is evolving in the 21st century
Key drivers and the impact of changing market trends
Rapid market development: what options do institutions have to position themselves in the market?
Key growth levers and market challenges.
Digital assets: where are they heading? Our key findings and market survey results.
Future payment market: Why it is crucial that banks position themselves strategically in the payment market – and what options they have to do so
TLTRO – a welcome booster for profits and growth?
Interview with Ralf Gladis, Founder and Managing Director of Computop
Interest Rate Risk Study 2020: Current implementation status of IRRBB requirements and challenges.
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