innovation & digital

Abstact cubes in a digital asset universe as metaphor for the travel rule for digital asset transfers
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Travel Rule for digital asset transfers

Digital asset transfers require compliance with the Travel Rule regulations!
Old couple looking at the sunset as metaphor for Pension buyouts as a strategic option for banks and insurers

Pension buyouts as a strategic option for banks and insurers: an interview with VEDRA Pensions

Pension buyouts: effects and risks
Skyscraper in construciton with green plants bottom-up as metaphor for the ESG Study 2024: Europe’s banks under the microscope

ESG Study 2024: Europe’s banks under the microscope

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
Christin Stock, Head of Corporate Development and Sustainability at VR Bank Rhein-Neckar

Sustainable transformation at VR Bank Rhein-Neckar: an interview with Christin Stock

We had the great pleasure of conducting an interview with Christin Stock, who used to be a consultant at zeb. Now she works at
Cubes with people emoji as metaühor for tackling the shortage of skilled workers

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

Quality over quantity: the decisive difference in recruiting
Woman looking at a financial chart as metaphor for financial education

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

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
Julian Knorr, CEO of ONESTOPTRANSFORMATION AG

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
Cargo containers as metaphor for the Corporate Sustainability Due Diligence Directive (CSDDD)

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.
Woman looking at a chart with complex graphics as a metaphor for ambidexterity: successfully managing contradictions
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Ambidexterity: successfully managing contradictions

What is ambidexterity? How can banks and insurance companies implement it?
Sailing boat in the storm as metaphor for the "European private client business 2024–2026: steadfast island in the storm?!"

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
A look at the sky as a metaphor for planning tomorrow's real estate investments today.

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.
crypto coins as metaphor for the new reporting obligations for EU crypto-asset service providers

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.
Abstract illustration of mining in the mountains as metaphor for crypto mining
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Crypto mining: what is it and how does it work?

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
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
skyscrapers overgrown with green trees as metaphor for the ESG transformation advancing

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)
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
Interview with Kamil Niewiatowski, Country Manager of Raiffeisen Digital Bank Poland

Raiffeisen Digital Bank Poland about AI and the peculiarities of the Polish and Romanian markets

Kamil Niewiatowski, Country Manager of Raiffeisen Digital Bank Poland, about the future of banking, the peculiarities of the Polish and Romanian markets and the
The resurgence of problem loan management – challenges for banks

The resurgence of problem loan management – challenges for banks

Loan management is becoming a critical concern for financial institutions.
future of AI in banking

BNP Paribas Bank Polska about the future of AI in banking

Interview with Jarosław Łach and Anna Stepanów about AI implementation and the future of AI solutions at BNP Paribas Bank Polska.
Generation Z: expectations from their employer!

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
Agile leadership in times of change
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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?
Determining heirs, shaping the future – estate forecasting

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
Employee health as a critical success factor

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!
Interview with Moritz Schildt, CEO of coinIX GmbH & Co. KGaA

Venture capital investments in the digital asset and DLT economy of the future

We spoke with Moritz Schildt, CEO of coinIX GmbH & Co. KGaA, about coinIX, venture capital investments in crypto projects and start-ups, the potential
Agility in the modern corporate world
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Agility in the modern corporate world: from trend to necessity!

Agility is more than just the application of agile methodologies. It is a comprehensive approach aimed at enhancing the adaptability of individuals, teams
Stablecoins and CBDCs in the financial world of tomorrow
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The role of stablecoins and CBDCs in the financial world of tomorrow

Stablecoins and central bank digital currencies (CBDCs) hold significant relevance for the future!
From open banking to open finance
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From open banking to open finance

How to win the next data opening wave
Change management – esoteric or indispensable?
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Change management in IT transformation projects – esoteric or indispensable?

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

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

In the often traditional and regulated financial industry, holacracy is proving to be an innovative model that meets the requirements of results-orientation and adaptability.

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