Topics

Banking topics from A to Z

Our topics: from asset management to digital assets, ESG and open banking to interest rate risk in the banking book (IRRBB), …

In each section you will find links to further relevant articles.

Topics

Banking topics from A to Z

Our topics: from asset management to digital assets, ESG and open banking to interest rate risk in the banking book (IRRBB), …

In each section you will find links to further relevant articles.

A

AI

The term “artificial intelligence” (AI) refers to technologies that emulate and support human abilities such as seeing, hearing, analyzing, deciding and acting

Alternative asset classes – investing beyond stocks and bonds

Alternative asset classes

In principle alternative assets include all assets that do not fall into the traditional liquid asset classes, such as securities, money market instruments and derivatives. Alternative asset classes include also cryptocurrencies, antiques and art and other physical assets.

APIs

Data exchange between the bank and authorized third parties (e.g. financial institutions, fintech start-ups and companies) is enabled via application programming interfaces.

Asset management

Asset management refers to the financial service of managing assets by means of financial instruments with the aim of increasing the invested assets.

Abstract network 3D as metaphor for asset tokenization

Asset tokenization

Tokenization describes the process of creating a digital representation of the rights to an asset as a fungible token (usually a security token) or a non-fungible token (NFT).

B

C

Chatbots and voicebots

Chatbots and voicebots enable dialog-based interaction between bank and customer. This topic becomes even more interesting when the technology is further developed using AI.

COVID-19 crisis

The COVID-19 pandemic and its consequences are often compared to the global financial crisis of 2008/09 – this time, however, the cause is exogenous.

D

Data analytics

“Data analytics” refers to technologies whose primary focus is on analyzing, explaining and deriving insights from data.

Design Thinking

Design Thinking is a process-oriented and iterative innovation method that helps develop new products, services and customer experiences.

Digital assets

Digital assets are digital representations of assets that are not issued or guaranteed by any central bank or public authority and do not have the legal status of currency or money.

Digitale assistants

Digital assistants are an important building block for optimizing the digital customer interface. Software solutions that recognize the specific needs of a user and initiate a defined solution process are referred to as digital assistants.

Digital Euro

Digital euro

The ECB’s deliberations on the digital euro to date can be summarized in the basic idea of “digital cash”. In addition to physical cash and electronic fiat money, the ECB wants to introduce a digital euro as central bank money with payment functions for everyday use via smartphone.

E

Ecosystems

An ecosystem is a network of several providers – orchestrated by the ecosystem’s orchestrator – who orient their services towards customer needs. An ecosystem can focus on one or more customer needs.

Combined dice-shaped arrows that rise together as a metaphor for the end-to-end organization (E2E)

End-to-end organization (E2E)

E2E organization enables financial services providers to focus on customers and their needs while ensuring effective and efficient service delivery. The transformation towards such an E2E organization affects almost all areas of a financial services provider and goes far beyond a mere reorganization.

ESG

ESG – these three unassuming letters not only stand for environmental, social and governance, they cover an entire development that will change our society, the economy and our behavior and will thus also have a massive impact on banking.

F

G

H

I

Intelligent process automation

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. Complex process steps can be automated by integrating AI.

IRRBB

The extent of maturity transformation between the fixed-interest periods on both the asset and liability side has a significant influence on the level of interest rate risk in the banking book (IRRBB).

J

K

L

M

Metaverse – what matters now for financial institutions

Metaverse

Broadly speaking, Metaverse stands for an evolved, immersive internet, in which the boundaries between the physical and digital worlds become increasingly blurred as a result of various software and hardware innovations. Consequently, Metaverse platforms are virtual ecosystems for social interaction as well as commercial and leisure activities

N

O

Open banking

Open banking refers to the practice of securely sharing financial data with customer consent. Data exchange between the bank and authorized third parties (e.g. financial institutions, fintech start-ups and companies that currently do not necessarily have to be active in the financial sector) is enabled via APIs.

P

Platforms

In essence, digital platforms are online marketplaces that bring together supply and demand in a similar way to a real marketplace. Banks or companies offer services and compete on platforms.

Portals

Portals basically represent access points to any type of digital service. However, it would not be sufficient to reduce the role of a portal to a mere access channel

Q

R

RegTech

Regtech is a portmanteau of the terms “regulatory” and “technology” and is considered a sub-division of the fintech industry, although in direct comparison it is still in the initial stage.

Robo advisor

The terms “robo advice” and “robo advisor” have been used for the past few years to describe digital asset management and its providers. In the future, robo advice will be part of financial services providers’ standard offering.

S

SACR

The standardized approach to credit risk (SACR) is one of the two possible approaches to determine risk-weighted exposure amounts in accordance with the Capital Requirements Regulation (CRR).

T

U

V

W

X

Y

Z

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