Home » Topics

SACR—Standard approach to credit risk

By Robin Rantzsch, Dr. Markus Weber, Nicole Nowacka

20/09/2017
Join the discussion
Reading time: 1 minute

LISTEN TO AUDIO VERSION:

Voiced by Amazon Polly

The standard approach to credit risk (SACR) is one of the two possible approaches to determine risk-weighted position amounts. There is also the IRB approach, which is based on internal ratings.

In the SACR, the risk-weighted position is calculated by multiplying the value of the risk position with the defined or determined risk weight. The value of the risk position is the remaining book value of an asset item after specific credit risk adjustments and additional value adjustments. The risk weight is determined by assigning the risk position to an asset class defined in the CRR. For each of these asset classes, risk weights are provided depending on the assumed default risk. Taking into account external credit assessments, these default risks depend on the respective rating of the counterparty. Blanket risk weights are intended for unrated risk positions.

The standard approach to credit risk is currently undergoing a fundamental revision by the Basel Committee on Banking Supervision (BCBS).

Feel free to contact us!

Robin Rantzsch

Manager Office Münster

Dr. Markus Weber

Manager zeb Hamburg

Nicole Nowacka

Senior Consultant zeb Berlin

Articles on the topic

Tjark Klindworth, Managing Director of QUIDT GmbH

Tjark Klindworth, Managing Director of QUIDT GmbH

Beyond banking: opportunities for regional banks to position themselves in the market

20/09/2023

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.

Colorful Montage of Buildings as metaphor for BaFin sets the focus on the credit institutions’ real estate portfolios

Colorful Montage of Buildings as metaphor for BaFin sets the focus on the credit institutions’ real estate portfolios

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

06/09/2023

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

Light trail over the city as metaphor for: marathon towards “net zero” the role of banks

Light trail over the city as metaphor for: marathon towards “net zero” the role of banks

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

03/09/2023

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

Digital generated image of young woman jumping as metaphor for asset management: investment products in a world of Netflix, TikTok et al.

Digital generated image of young woman jumping as metaphor for asset management: investment products in a world of Netflix, TikTok et al.

Asset management: investment products in a world of Netflix, TikTok and others

29/08/2023

Quo vadis, retail business in asset management? How is the market evolving and what does this mean for asset managers?

network concept as a metaphor for Target Operating Model 4.0 – asset managers in a fully digital target picture

Target Operating Model 4.0 – asset managers in a fully digital target picture

28/08/2023

The value chain of asset managers could be almost completely automated and digitally mapped – in theory, human action and interaction are hardly necessary anymore.

Elena Sankova from software provider Finastra

Elena Sankova from software provider Finastra

Paperless, secure and transparent: the future of international trade

22/08/2023

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 Dr. Philipp Stein (PS) and Dr. Kai Krieger (KK), Chief Representative and Change Manager Transformation at Volksbank Mittelhessen.

The best of both worlds: successful innovations through strong partnerships

17/08/2023

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 Market

Interview with Pablo Hess, one of the two fund managers of Tungsten TRYCON AI Global Market

AI in asset management: between man and machine

16/08/2023

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.

Digital acquisition of new customers in private banking

Digital acquisition of new customers in private banking

Digital acquisition of new customers in private banking

02/08/2023

We’ve investigated the opportunities associated with digital acquisition of new customers for private banking providers.

Not here to stay – the challenge of employee retention

20/07/2023

The “disloyal” Generation Z: ways to successfully retain employees. Gap between staff recruitment and staff retention

Qualified PMO: administrative support or decisive game changer?

Qualified PMO: administrative support or decisive game changer?

18/07/2023

The qPMO as a versatile game changer. We share the experience gained from using our qualified PMO.

regulatory gaps between the U.S. and the euro area

Markets regain confidence in banks

17/07/2023

zeb.market.flash Q2 2023 (Issue 45 – July 2023): regulatory gaps between the U.S. and the euro area.

Interview with Jean-Pierre Schmit, jemnic: Shaping the future of wealth management: embracing conversational banking

Shaping the future of wealth management: embracing conversational banking

13/07/2023

We had the opportunity to speak with Jean-Pierre Schmit, the founder of jemmic. In 2019, jemmic launched the SecuChat messaging platform.

Medium-term interest rate scenarios and implications for European banks

Medium-term interest rate scenarios and implications for European banks

06/07/2023

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?

Text summarization with AI in banking: an alternative approach to ChatGPT

Text summarization with AI in banking: an alternative approach to ChatGPT

Text summarization with AI in banking: an alternative approach to ChatGPT

04/07/2023

A client query made us delve deeper into “Automatic text summarization”.

Construction financing: responding to the crisis with customer centricity and efficiency

Construction financing: responding to the crisis with customer centricity and efficiency

Construction financing: responding to the crisis with customer centricity and efficiency

28/06/2023

Processes for existing business are often neglected, even though they are the most common lending processes in banks.

Crypto accounting in accordance with IFRS: a black box or (gradually) increasing light in the dark??

Crypto accounting in accordance with IFRS: a black box or (gradually) increasing light in the dark?

22/06/2023

Transparency is everything: crypto-assets in accounting.

AML compliance is the key success factor for launching digital asset offerings

05/06/2023

How can financial institutions fully tap the potential of digital assets without neglecting compliance and AML issues?

Treasury goes green: green funding

Treasury goes green: green funding

Green funding: ESG has arrived in treasury

03/06/2023

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: bye-bye credit card number

Click to Pay: bye-bye credit card number

Click to Pay: bye-bye credit card number

23/05/2023

Click to Pay is the catchy name of a new process that is set to become established in German online retail in 2023.

Human Resources: Labor shortage: competition for workers is intensifying

Human Resources: Labor shortage: competition for workers is intensifying

Labor shortage rather than skills shortage: competition for workers is intensifying

17/05/2023

The word “skilled” will have to be deleted from the phrase “shortage of skilled workers”!

ESG data collection: operational lending business?

ESG data collection: operational lending business?

ESG data collection – a challenge for the operational lending business?

15/05/2023

The increasing scope of ESG data requirements, however, poses significant challenges for financial institutions.

Use of AI in fraud detection

Use of AI in fraud detection

Document verification: use of AI in fraud detection

01/05/2023

AI as technological support in the document verification process.

Banking crisis 2.0: Banking turmoil raises old familiar questions

Banking crisis 2.0: Banking turmoil raises old familiar questions

Banking crisis 2.0: banking turmoil raises old familiar questions

20/04/2023

zeb.market.flash Q1 2023 (Issue 43 – April 2023): Banking crisis 2.0 and its regulatory implications

Deposit business after the interest rate turnaround (article)

Deposit business after the interest rate turnaround (article)

Deposit business after the interest rate turnaround – regional banks need a new sales story

19/04/2023

Regional banks must rethink and reshape their deposit business. Sales challenges faced by savings banks and cooperative banks.

abstract imgage: E2E transformation: breaking down silos for more customer satisfaction

abstract imgage: E2E transformation: breaking down silos for more customer satisfaction

E2E transformation: breaking down silos for more customer satisfaction, efficiency and entrepreneurship

18/04/2023

What are the key factors for long-term customer focus, efficiency and entrepreneurship in E2E transformation?

Cover: Private Banking Study Austria 2022

Private Banking Study Austria 2022

17/04/2023

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.]

Thede Küntzel, Manager Projects & Innovation at Sparkasse Bremen and Managing Director of ÜberseeHub GmbH.]

Joining forces: strategic partnerships between banks and fintech companies

11/04/2023

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.

Abstract image for the lending business 2023: trends and market forecasts

Abstract image for the lending business 2023: trends and market forecasts

Lending business 2023: trends and market forecasts

04/04/2023

Credit events: a global perspective In our review of the 2022 lending business, we examined credit events and trends around the

Marco Wolf, co-founder of UK start-up Novus World Ltd

Marco Wolf, co-founder of UK start-up Novus World Ltd

From bank to B2B payment service provider: the exciting journey of a sustainable fintech company

30/03/2023

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.

Digital Operational Resilience Act (DORA) – new requirements and implications

Digital Operational Resilience Act (DORA) – new requirements and implications

Digital Operational Resilience Act (DORA) – new requirements and implications

29/03/2023

DORA establishes a legal framework for the direct monitoring of critical third-party ICT service providers (especially large cloud computing service providers).

Process management – leverage available potential

Process management – leverage available potential

Process management – leverage available potential now!

28/03/2023

How can a regional bank with limited resources develop future-proof process management? Are the process management goals currently being achieved?

Supervisory and market focus on interest rate and liquidity risks in the banking book

Supervisory and market focus on interest rate and liquidity risks in the banking book

22/03/2023

Analytical framework for bank management to identify and eliminate weaknesses. In specific cases, it even uncovered earnings potential.

Cover whitepaper: Private Banking Study Germany 2022

Cover whitepaper: Private Banking Study Germany 2022

Private Banking Study Germany 2022

21/03/2023

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.

Crypto crisis: the end of Bitcoin and other cryptocurrencies or a wake-up call for stronger regulation?

15/03/2023

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.

Interview with Dr. Matthias Breier,Head of ESG Product at FE fundinfo

Interview with Dr. Matthias Breier,Head of ESG Product at FE fundinfo

Putting an end to greenwashing accusations – innovative ESG data solutions in the fund industry

09/03/2023

How innovative ESG data solutions provide more transparency in the fund industry.

Malte Huffmann, co-founder and co-CEO of Mondu,

Malte Huffmann, co-founder and co-CEO of Mondu,

Ten quick questions for Malte Huffmann about the “BNPL” market

06/03/2023

Trends and market potential in the “Buy Now, Pay Later” market 1) Mr. Huffmann, what trend development has Mondu observed

Interview with Günther Froschermeier, founding member of CCV GmbH, about the future of the payment industry

Interview with Günther Froschermeier, founding member of CCV GmbH, about the future of the payment industry

Where is the payments industry heading?

21/02/2023

Interview with Günther Froschermeier, co-founder of CCV GmbH, about competition in the payments industry and the latest developments in payment transactions.

Candidate sourcing

Candidate sourcing

Candidate sourcing in regional banks

15/02/2023

An approach, which recruitment consultancies have been using for a long time and for good reason.

Crypto market crisis boosts opportunities for banks

Crypto market crisis boosts opportunities for banks

Crypto market crisis boosts opportunities for banks

14/02/2023

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 – revised core model

Dynamic risk management – revised core model

Dynamic risk management – revised core model

09/02/2023

Dynamic Risk Management (DRM) is a standard currently under development to reflect interest rate risk management measures in financial reporting.

Liquidity management: modeling cash flows for variable bank products

Liquidity management: modeling cash flows for variable bank products

Liquidity management – a comparison of approaches to modeling cash flows for variable bank products

08/02/2023

Regulatory requirements merely provide the framework – the institution-specific implementation can be based on different modeling approaches.

Shortage of skilled workers in banks and insurance companies

Shortage of skilled workers in banks and insurance companies

Shortage of skilled workers – an existential threat to banks and insurance companies

31/01/2023

Skilled workers will be in short supply in Germany in the future. One in 14 positions will be unfilled in about seven years.

Banking environment: 2023: challenging times ahead

Banking environment: 2023: challenging times ahead

New banking environment 2023: challenging times ahead

30/01/2023

zeb.market.flash Q4 2022 (Issue 42 – January 2023): Essential value drivers in banking

AI Liability

AI Liability

AI Liability Directive: reversing the burden of proof?

25/01/2023

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?

Cost management evolution

Cost management evolution

Cost management evolution

24/01/2023

New models for cost governance in the context of market evolution, new competitive forces and regulatory requirements.

A management introduction to MLOps

23/01/2023

With MLOps, IT managers can ensure that efficiencies are gained when moving from pilot to scale.

André Höck is Head of ESG Integration at EB-SIM

André Höck is Head of ESG Integration at EB-SIM

Impact investing: challenges and opportunities

10/01/2023

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.

after the interest rate turnaround

after the interest rate turnaround

Regional banks after the interest rate turnaround – seizing opportunities, avoiding risks

09/01/2023

Challenges of the interest rate turnaround require cross-divisional cooperation.

Luminous Christmas tree: a look back at the banking industry’s year 2022

Luminous Christmas tree: a look back at the banking industry’s year 2022

BankingHub: a look back at the banking industry’s year 2022

16/12/2022

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.

Futuristic technology tunnel: Intelligent automation of real estate finance

Futuristic technology tunnel: Intelligent automation of real estate finance

Intelligent automation of real estate finance: possibilities of RPA and AI

15/12/2022

Document processing using the example of real estate finance.

Carbon accounting: Managing financed GHG emissions

Carbon accounting: Managing financed GHG emissions

Carbon accounting: Managing financed GHG emissions

24/11/2022

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.

Rebirth of the deposit business for banks in Europe

Rebirth of the deposit business for banks in Europe

Rebirth of the deposit business: is a “battle for deposits” looming?

14/11/2022

zeb.market.flash Q2 2022 (Issue 42 – November 2022): Banks’ strong performance fuels hope for upcoming quarters

Tomas Nascisonis, CEO of Crypto House Capital

Tomas Nascisonis, CEO of Crypto House Capital

Crypto House Capital – revolutionizing the crypto market with virtual real estate

10/11/2022

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.

Derivative pricing and risk management with neural networks

Derivative pricing and risk management with neural networks

Derivative pricing and risk management with neural networks

02/11/2022

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.

Cerative competition for students: Sustainable banking of tommorrow

Cerative competition for students: Sustainable banking of tommorrow

Creative competition for students: sustainable banking of tomorrow

31/10/2022

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 about SME foreign payments

Interview with Till Keller about SME foreign payments

Challenges for SMEs in international payments – can FinTechs help?

26/10/2022

Interview with Till Keller, Managing Director FX Sales – Germany, Switzerland, Austria at Ebury, on the current challenges in foreign payments and related solutions.

Tobias Seidl, co-founder of STOKR

Tobias Seidl, co-founder of STOKR

Alternative asset classes in the form of security tokens

25/10/2022

Interview with Tobias Seidl, co-founder of STOKR.

EU taxonomy: special challenges for automotive banks

EU taxonomy: special challenges for automotive banks

EU taxonomy: special challenges for automotive banks

18/10/2022

When is an investment classified as taxonomy-aligned? The business of automotive banks against the background of the EU taxonomy.

Leadership in times of change

Leadership in times of change

Leadership in times of (cultural) change: Four principles

12/10/2022

Leadership has to be different now. But how exactly?

Jörg Howein, Chief Platform Officer at Solaris

Jörg Howein, Chief Platform Officer at Solaris

Brave new banking world: the future of embedded finance

11/10/2022

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.

Data lakehouse: the next logical step in data management?

Data lakehouse: the next logical step in data management?

Data lakehouse: the next logical step in data management?

10/10/2022

Assessment of the data lakehouse concept for financial services providers.

Mr. Frank Breuss, CEO of Nikulipe

Mr. Frank Breuss, CEO of Nikulipe

Local Payment Methods for Fast-Growing and Emerging Markets

06/10/2022

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.

Amari Groß / Founder of Goldie Tech

Amari Groß / Founder of Goldie Tech

How Goldie Tech aims to simplify access to the gold market for bank customers

27/09/2022

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: Legal framework

Crowdfunding: Legal framework

ECSP – a new legal framework for crowdfunding

22/09/2022

Crowdfunding will be standardized across the EU with the introduction of a Regulation on European Crowdfunding Service Providers (ECSP).

Dr. Stefan Steib, founder of fincraft

Dr. Stefan Steib, founder of fincraft

How finCraft helps stock market beginners manage their own finances

21/09/2022

“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.

Moritz Schildt, Chairman of the Supervisory Board of coinIX GmbH & Co. KGaA.

Moritz Schildt, Chairman of the Supervisory Board of coinIX GmbH & Co. KGaA.

Venture capital in the crypto-market – Web 3.0 doesn’t come out of nowhere

13/09/2022

Interview with Moritz Schildt, Chairman of the Supervisory Board of coinIX GmbH & Co. KGaA.

DLT pilot regime: starting signal for the capital market of tomorrow?

DLT pilot regime: starting signal for the capital market of tomorrow?

25/08/2022

The goal of the DLT pilot regime is to create a new and innovation-friendly regulation: Challenges & opportunities.

AI is becoming more important for building societies

AI is becoming more important for building societies – study results

24/08/2022

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.

Soaring interest rates in turbulent times

Soaring interest rates in turbulent times

28/07/2022

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.

Machine learning: When prediction becomes unpredictable

Machine learning: When prediction becomes unpredictable

Machine learning: When prediction becomes unpredictable

27/07/2022

How secure and explainable machine learning can open up new potential for financial institutions.

MiCAR: the regulatory framework for crypto assets has been fleshed out

MiCAR: the regulatory framework for crypto assets has been fleshed out

25/07/2022

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?

AI applications: BaFin’s regulatory requirements

BaFin’s regulatory requirements for AI applications

22/06/2022

LISTEN TO AUDIO VERSION: Supervisors focus attention on AI Banks must follow suit – BaFin defines minimum requirements for use

Internal segment accountingin regional banks

Four hypotheses on the future of internal segment accounting in regional banks

13/06/2022

Four hypotheses on the future of internal segment accounting in regional banks. Management impulses and conclusion.

eWpG: Crypto securities registry services

eWpG: Crypto securities registry services – opportunities & obligations

01/06/2022

How fast are crypto securities growing in Germany? What are the benefits and obligations? Find our answers.

Unconscious bias: diversity concerns us all

Unconscious bias: diversity concerns us all

25/05/2022

Why should we address unconscious biases? Answers and anti-bias strategies.

ESMA’s Sustainable Finance Roadmap

ESMA’s Sustainable Finance Roadmap

24/05/2022

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!

Decentralized finance: meaning for financial services providers

DeFi is eating finance: what does decentralized finance mean for financial services providers?

18/05/2022

We talked with Mirco Recksiek about DeFi. Decentralized finance has the potential to change the world of finance permanently.

Equity crowdfunding

Equity crowdfunding – what one person can’t do, can be achieved by many

16/05/2022

“VR-Crowd” – from an innovative idea to an established equity crowdfunding platform.

Request to Pay: automated processing of invoices with SEPA

Request to Pay: automated processing of invoices with SEPA

12/05/2022

What does Request to Pay mean? And how is the savings potential through end-to-end automation with R2P?

Agile requirements prioritization

Agile requirements prioritization – who comes first?

10/05/2022

Approaches to prioritizing different business requirements for financial service providers’ IT.

Say goodbye to Goldilocks economy

Say goodbye to the Goldilocks economy

20/04/2022

zeb.market.flash Q1 2022 (Issue 40 – April 2022): Post-war economic perspectives and impact on banks.

Banking for Gen Z: Interview with pockid

Banking for Gen Z – quo vadis pockid?

11/04/2022

How can we win over Generation Z to financial products? Interview with Jes Hennig, co-founder and CEO at pockid.

Daniel Schreieber in iInterview about conversational banking

Conversational banking study – chatbots and voicebots from a customer perspective

07/04/2022

Interview with Daniel Scheiber, Group Head of Conversational & AI at CREALOGIX

Asset management: Operating models

Operating models in asset management – ensuring future readiness

06/04/2022

Find the best-fitting operating model in order to ensure future readiness in the Asset Management industry!

Jens Holezcek in interview about German banking industry's position on the digital euro

What is the German banking industry committee’s position on the digital euro?

04/04/2022

Jens Holeczek, representing the Volksbanken and Raiffeisenbanken, gives us answers on the topic of the digital euro.

ESG reporting: challenges and opportunities

ESG reporting: challenges and opportunities for financial institutions

28/03/2022

Focus on sustainability risk reporting

Customer interaction via chatbots

Business process automation via chatbots

23/03/2022

Interview with Ulf Loetschert of LoyJoy about the opportunities presented by chatbots, from lead generation to the future potential in the coming years.

Design in banking

Design in banking – just an expensive accessory or a key to success?

17/03/2022

FinTechs & challenger banks rely on design in banking in their strategic positioning. Does this success factor also apply for traditional players?

Chatbots and voicebots

Chatbot Clara Wäller at Westerwald Bank – a success story

16/03/2022

How can processes in the customer service center be automated and accelerated using chatbots? Insights into the potential of chatbots in the banking sector.

Diversity in German banks: Gender diversity

Diversity in German banks: Shocking figures for gender diversity on the management boards

11/03/2022

It’s not about political correctness nor about feminism – it’s all about economic success

EU taxonomy: sustainable or not?

The EU taxonomy: sustainable or not? That’s the question

01/03/2022

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.

Financing business successions as new revenue streams

Corporate banking – financing business successions as new revenue streams

23/02/2022

Business successions as a source of income for regional banks.

Digital assets for regional banks: opportunities & challenges

Digital assets – opportunities and challenges for regional banks

16/02/2022

The high demand from retail customers for digital assets and cryptocurrencies is proving to be a challenge for regional banks!

Interview with Thomas Elm about product design and customer experience

Design before aesthetics: Focus on customer experience

07/02/2022

Interview with Thomas Elm, Managing Director at UI/UX provider Goodpatch in Germany

Credit business: Digital credit events 2021

Digital credit events 2021

03/02/2022

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.

Digital customer interaction: Digital Assistants (chatbots and voicebots) as a strategic asset

Digital customer interaction as a strategic asset

01/02/2022

Benefits of modern customer interaction for banks’ business model.

Blue particle data making the shape of glowing network as metaphor for the transformation study 2022

Transformation study 2022 (zeb)

18/01/2022

Characteristics of a successful corporate culture and levers for its establishment.

Green investment challenge for banks

The green investment challenge for banks

13/01/2022

zeb.market.flash Q4 2021 (Issue 39 – January 2022): The green investment challenge.

EPI – Euopean payment initiative

EPI – a take on the European payment initiative

02/12/2021

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.

Martin Wallmann from Clearwater Analytics in interview about SaaS

Software-as-a-Service (SaaS) in financial services

24/11/2021

Interview with Martin Wallmann from Clearwater Analytics.

Payment Summit 2021 event in Hamburg

Payment Summit 2021: Payments – the bartender of the e-commerce party

08/11/2021

A report from the Payment Summit 2021 in Hamburg.

Central banks’ answer to the crypto boom / Bottom-up view modern skyscraper

Central banks’ own answer to the crypto boom

19/10/2021

zeb.market flash Q3 2021 (Issue 38 – October 2021): Money, money, money? – Central banks’ own answer to the crypto boom

ESG market – green Tunnel: A step forward for banks

The ESG market potential

05/10/2021

Embracing the green revolution: A step forward for banks to embrace the green revolution.

Trader using mobile phone app as metaphor for f"Robinhood IPO – progressive democratization of the financial market"

Robinhood IPO – progressive democratization of the financial market

30/09/2021

Interview with Karl im Brahm, CEO of Avaloq Sourcing AG and Head of Germany of the Avaloq Group

Business analysis stock graph backtest in crisis covid-19 for investment in stockmarket and finance business planning selective stock for Stockmarket crash and Financial crisis as metaphor for the article "Liquidity study 2020 – importance of liquidity risk management"

Liquidity study 2020 – developments in liquidity risk management

20/09/2021

The regulatory developments of the past years highlight the huge importance of liquidity risk management and the associated challenges.

Economic graph as metaphor for regional banks in the wake of COVID19

Regional banks in the wake of COVID19 – how to raise income from the securities business

16/09/2021

Fields of action and measures for boosting income from the securities business.

Cty of Luxembourg: Retail Banking Market Study

Luxembourg Retail Banking Market Study

14/09/2021

Results of the study on the Luxembourg retail banking market.

windturbines as metaphor for sustainability in corporate banking

Sustainability in corporate banking

02/09/2021

From wallflower to integral strategy component: Perspectives and considerations for long-term success in corporate banking

BNPL – buy now, pay later on computer display

BNPL – buy now, pay later

01/09/2021

How consumer credit is evolving in the 21st century

looking at banks’ price-to-book (P/B) ratios and the development of global banks’ market valuation

What drives banks’ price-to-book (P/B) ratios? The balance sheet – what else!

27/08/2021

Key drivers and the impact of changing market trends

Server Network digital assets: Services in Swiss financial institutions

Digital assets – Launch of services in Swiss financial institutions

19/08/2021

Rapid market development: what options do institutions have to position themselves in the market?

Umwelt-Technologie-Konzept als Metapher für den Artikel "The state of sustainable investment funds in Europe"

The state of sustainable investment funds in Europe

21/07/2021

Key growth levers and market challenges.

Tablet screen shows currency rate as metaphor for the article "Digital assets – capturing the attention of institutional investors"

Digital assets – capturing the attention of institutional investors

15/07/2021

Digital assets: where are they heading? Our key findings and market survey results.

Competition in Chess game is a competition game in business as metaphor for the article "Will banks no longer play a role in the payment market?"

Will banks no longer play a role in the payment market?

14/07/2021

Future payment market: Why it is crucial that banks position themselves strategically in the payment market – and what options they have to do so

Young woman looking over the City of London as metaphor for the article "Banking sector 2021 – promising first half"

Banking sector 2021 – promising first half

12/07/2021

TLTRO – a welcome booster for profits and growth?

Two happy female friends with laptop and credit card as metaphor for the article "Payments – Made in Germany "Payments – Made in Germany"

Payments – Made in Germany 2.0

07/07/2021

Interview with Ralf Gladis, Founder and Managing Director of Computop

Investment strategies and process isometric as metaphor for "Five years of IRRBB – a status quo assessment for interest rate risk management"

Five years of IRRBB – a status quo assessment for interest rate risk management

22/06/2021

Interest Rate Risk Study 2020: Current implementation status of IRRBB requirements and challenges.

Technologieprozesse als Metapher für den Artikel "Payments back office automation regarding customer experience"

Payments: back office automation regarding customer experience

02/06/2021

The payments industry is facing high cost pressure and the economic recession. A complete reshuffle of banking operations becomes inevitable.

Shot of businesspeople turning ideals into deals as a metaphor for the article "Mergers & acquisitions of fintechs"

Mergers & acquisitions of fintechs

12/05/2021

Market overview and current challenges.

Looking directly up at the skyline as metaphor for "Inflation on the horizon – bank stocks are rallying"

Inflation on the horizon – bank stocks are rallying

15/04/2021

Inflation and increasing interest rates: big comeback or just a dream? zeb.market flash Q1 2021 (Issue 36 – April 2021)

Cityscape with abstract light trail as metaphor for "BIRD 5.0 – Opportunity for FinTechs and neobanks"

BIRD 5.0 – Opportunity for FinTechs and neobanks?

14/04/2021

With Revolut, we took a fresh look at the BIRD initiative – Banks Integrated Reporting Dictionary – in terms of potential benefits.

Young women holding smartphone as metaphor for the article about "Mobile banking in Italy"

Mobile banking in Italy

31/03/2021

Current situation and levers to excel

Composite image of trees on buildings in city as metaphor for ESG-investing on the rise

ESG-investing on the rise: implications

22/03/2021

How ESG will impact asset managers’ value chain

Market concept on screen as metaphor for "Effectively managing non-financial risks (NFRs) in an integrated manner and leveraging synergies"

Effectively managing non-financial risks (NFR) in an integrated manner and leveraging synergies

19/03/2021

An integrated and consistent framework is the key to effectively managing non-financial risks

Green view between skysrapers as metaphor for "Disclosure Regulation EU 2019/2088"

Disclosure Regulation EU 2019/2088

17/03/2021

The Disclosure Regulation EU 2019/2088 urges financial market participants and financial advisors to update their disclosed product information on sustainability issues.

Man paying contactless as metaphor for "Future of Payments 2021–trend

Future of Payments—trends in payment markets

25/02/2021

What’s next in payments 2021? How is the future of payments shaping up? Some trends can be observed…

Woman sitting at desk and working with AI at home as metaphor for "AI for efficient customer communication"

AI for efficient customer communication

15/02/2021

Say goodbye to chaotic communication and stacks of paperwork and learn more about a better fit and reduction of unnecessary letters to customer using AI algorithms.

Hands touching global connection and icon customer networking data exchanges on glitter bright lights colorful background as metaphor for "Omnichannel Management Matters"

Omnichannel Management Matters

11/02/2021

What can be learned from successful pioneers in banking?

bstract cityscape with investment theme background as metaphor for the article "European banks’ upcoming full-year figures"

Closing the book on 2020 – what to expect from European banks’ upcoming full-year figures

21/01/2021

Preview on the status quo analysis of the European Banking Study 2021.

Young Asian businesswoman with protective face mask to protect and prevent from the spread of viruses as metaphor for "The banking sector between hope and fear" in zeb.market flash Q4 2020

The banking sector between hope and fear

13/01/2021

zeb.market flash Q4 2020 (Issue 35 – January 2021): European banks’ capital market performance – a valuation conundrum?

Person using mobile banking as a metaphor for the article "Mobile Banking in Luxemburg"

Mobile banking in Luxembourg

14/12/2020

Room for significant improvement!

Businesspeople at work during COVID-19 pandemic as metaphor for The COVID-19 impact on banks’ costs

The COVID-19 impact on banks’ costs

02/12/2020

Effect of the COVID emergency on the costs composition for commercial banks

Woman checking her smartwatch as metapher for the result "more speed and focus required" zeb.digital pulse check: Study on the digital transformation of European banks

Study on the digital transformation of European banks – more speed and focus required

26/11/2020

Is digital transformation in full swing or has it stopped? Get an overview of the core contents of the zeb.digital pulse check study on the digital transformation of European banks.

Business analysis stockmarket chart in tablet and computer for investment in crisis as metaphor for "Professionalizing revenue management in banking"

Professionalizing revenue management in banking

06/11/2020

Interview with Rahul Banerji, Head of Pricing and Billing Europe at Oracle Financial Services.

Side face of AI robot as metaphor for "Artificial intelligence in building societies"

Artificial intelligence in building societies

30/10/2020

Seizing opportunities and shaping the future.

Woman using futuristic digital interface display as metaphor for the article "LCR forecasting with AI"

LCR forecasting with AI

26/10/2020

Artificial intelligence in liquidity management.

Young woman outside wearing a virus protective face mask as metaphor for the article "COVID-19 still looming large"

zeb.market flash Q3 2020 (Issue 34 – October 2020)

20/10/2020

A deceptive calm? – European banks still need to be vigilant!

Close-up. Person analyzing on computer as metaphor for "SREP guidelines require comparisons with competitors of business models"

SREP guidelines require comparisons with competitors

15/10/2020

Approach for operational optimization and strategic decisions.

Closeup view of businessman hand touching on smartphone. concept of digital diagram,graph as metaphor for the article "Actively and sustainably managing market data"

Market data—active and sustainable management

17/09/2020

Optimization of market data by establishing an independent governance

Article about Asset Management Study 2020

Asset Management 2020—insights into the European Asset Management Study

07/09/2020

From comfort zone to danger zone?

Close up of mobile phones being kept together as metaphor for "The future of mobile payments in Germany"

The future of mobile payments in Germany

20/08/2020

What will be the impact of digitalization and COVID-19 in the land of cash?

Aerial view city with internet connection technology as metaphor for the article "Branch networks: Tranformation triggered by the COVID-19 crisis"

Branch networks: Tranformation triggered by the COVID-19 crisis

05/08/2020

How banking networks will have to adapt to changing customer habits and new standards of social distancing.

Business person hand holding mobile phone with icons. concept of business and technology communication in the network. as metaphor for "Platform economy—BACK to innovation in banking"

Platform economy—BACK to innovation in banking

21/07/2020

Banks once knew how to innovate. Why should they not rediscover this ability?

Businesswoman outdoors wearing healthcare mask. as metaphor for "zeb.market flash Q2 2020 (Issue 33 - July)"

zeb.market flash Q2 2020 (Issue 33 – July 2020)

09/07/2020

COVID-19 and the impact on European banks’ capitalization

Futuristic robot artificial intelligence concept. as metaphor for the article "2020 robo advisor market—challenges in the wake of the coronavirus crisis"

2020 robo advisor market—challenges in the wake of the coronavirus crisis

08/07/2020

Interviews with robo advice providers on the current situation.

In conversation with Björn Siegismund, CIO / Robo Advisor Kapilendo / Robo Advisory Market 2020

Interview with Kapilendo—robo advisory market 2020

08/07/2020

In conversation with Björn Siegismund, CIO, Kapilendo.

Team investify / interview with investify – Robo Advisory Market 2020

Interview with investify—robo advisory market 2020

08/07/2020

In conversation with Dr. Harald Brock, Managing Director, investify.

Björn Schmuck / Interview with Robo Advisor / bevestor: Robo Advisory 2020

Interview with bevestor—robo advisory market 2020

08/07/2020

In conversation with Björn Schmuck, Managing Director, bevestor.

Sloth Diversifikator - Interview with Diversifikator – robo advisory maket 2020

Interview with Diversifikator—robo advisory market 2020

08/07/2020

In conversation with Prof. Dr. Dirk Söhnholz, Managing Director, Diversifikator.

Martin Daut / interview with robo advisor quirion / robo advisory market 2020

Interview with quirion—robo advisory market 2020

08/07/2020

In conversation with Martin Daut, Managing Director, quirion.

Abstract image: Touch the future as metaphor for the interview with growney - robo advisory market 2020

Interview with growney—robo advisory market 2020

08/07/2020

In conversation with Thimm Blickensdorf, Head of Marketing, Sales and Customer Service, growney

Fabian Knigge / Interview with ginmon

Interview with ginmon—robo advisory market 2020

08/07/2020

In conversation with Fabian Knigge, CIO, Ginmon

Interview with VisualVest / Robo Advice / Robo Advisory Market 2020

Interview with VisualVest—robo advisory market 2020

08/07/2020

In conversation with Dr. Olaf Zeitniz, Managing Director, VisualVest

People prototyping on the user experience as metaphor for the article "Tailoring the ideal user experience in payments"

Tailoring the ideal user experience in payments

07/07/2020

Creating a new product requires forging an absolutely new level of interaction.

3d illustration a laptop and blockchain technology as metaphor for the article "bligation to obtain a license for crypto-custody business"

Obligation to obtain a license for crypto-custody business

10/06/2020

How to transform a technology company into a financial services institution.

Man looking outside office as metaphor for "European Banking Study 2020 Impact of COVID-19 on European banks"

European Banking Study 2020: How COVID-19 might affect Europe’s banks

10/06/2020

A Black Swan event and its impact

Robot's interface as metaphor for "A Treasury that manages Itself with AI and Digital Technologies"

A Treasury that Manages Itself with AI and Digital Technologies

05/06/2020

How digital transformation can succeed in Treasury and how it changes the Treasurer’s role

Business people in front of network business concept as metahpor for "Portals, platforms and ecosystems in corporate banking"

Portals, platforms and ecosystems in corporate banking

26/05/2020

LISTEN TO AUDIO VERSION: Background—portals, platforms and ecosystems Considering the environment of an omnipresent urge to digitalize and a prolonged

zeb chatbot / Working in times of coronavirus—evaluation of the interactive chatbot survey

Working in times of coronavirus—evaluation of the interactive chatbot survey

18/05/2020

How do people working in the financial sector cope with the situation?

Business people looking at concept papers as metaphor for "Merger and acquisition series (M&A) in the payments market"

Merger and acquisition series (M&A) in the payments market continues

14/05/2020

Overview of current M&A activities and outlook in the payments market

Businessman checking the stock market as metaphor for "Regional banks in crisis mode: What will happen after the coronavirus pandemic

Regional banks in crisis mode—what will happen after the coronavirus pandemic?

21/04/2020

Crisis management: act immediately and readjust in the medium term.

Big skyscraper as metaphor for "Large-scale merger of European banks"

Large-scale merger of European banks—quo vadis?

09/04/2020

Why consolidation is not just a challenge for individual banks

Mobile Payment as a metaphor for "Payments—an industry undergoing radical change"

Payments—an industry undergoing radical change

02/04/2020

Which strategic changes are banks and payment service providers facing today and in the future?

Businessman touching global network and data customer connection as metaphor for Process management—no luxury, but a must-have!

Process management—no luxury, but a must-have!

01/04/2020

Results from the zeb survey on process management in medium-sized banks.

Businessman using tablet analyzing data as metaphor for Pricing study—remain profitable in Private Banking / BankingHub

Pricing study—remaining profitable in Private Banking

30/03/2020

zeb.Private Banking Pricing Pulse Check.

Hand operating digital business network as metaphor for: Omnichannel banking and its implications for bank management

Omnichannel banking and its implications for bank management

25/03/2020

Why omnichannel management is of paramount importance in a world of digitalization and customer centricity

IOT concept as metaphor for "Working in Corona Quarantine"

Working in Corona Quarantine

20/03/2020

3 weeks to foster productivity.

Wind power generation as a metaphor for the article "Why are ESG investments rising?"

ESG investing: the rise of a new standard

18/03/2020

Current ESG trends and future challenges for financial institutions

Businessman using tablet with finance and banking profit graph of stock market trade indicator financial

Interview with Sabino Costanza, co-founder and Funding, Risk & Strategy Officer at Credimi

17/03/2020

Founded in 2015, Italian-based Credimi is the largest platform for invoice financing and digital lending in continental Europe.

Image as metaphor Mergers & Aquisitions and digitalization

Mergers & Acquisitions and digitalization

24/02/2020

Digitalization is and will remain particularly present in the financial sector. Main drivers are anticipated earnings and cost savings.

Abstract image of Business man with ace in his sleeve for "Open banking poker—Winner takes all"

Open banking poker—Winner takes all

19/02/2020

Open banking has the potential to create a self-fulfilling virtuous cycle which will result in a network effect. Who is able to become the banking platform?

Abstract image as metaphor for asset management

Asset Management 2019—update on the development

14/02/2020

An industry caught in the cost trap.

Abstract image "data integration" in "the vision of company-wide data integration—bank-wide corporate dictionary 2.0"

The vision of company-wide data integration—bank-wide corporate dictionary 2.0

13/02/2020

Company-wide integrated and harmonized data models at credit institutions as a solution for current and future challenges.

Image shows Toronto city in winter

zeb.market flash (Issue 32 – January 2020)

20/01/2020

Climate change and its impacts on banking—initial thoughts.

Abstract image of the development of the German banking market in 2019 / BankingHub

Development of the German banking market in 2019

16/01/2020

Again no surprises—special focus on private banks

RPA and AI in building societies: “Love at second sight?”

14/01/2020

RPA and AI in the corporate management of building societies: an assessment of current application potentials.

Abstract image: Portals, platforms and ecosystems: corporate banking?

Portals, platforms and ecosystems: corporate banking

06/01/2020

Part 2: zeb analysis of the current market offering

Thomas Hilgendorff, Yapeal’s founders and CEO / Interview with Yapeal / BankingHub

Stone money and first FinTech license in Switzerland—how do they fit together?

16/12/2019

Interview with Thomas Hilgendorff, Yapeal’s founder and CEO.

Title image: From traditional to holistic advisory / BankingHub

From traditional to holistic advisory

22/10/2019

Setting the stage for the largest wealth transfer in history

Title image: Second Hohenheim symposium for building societies 2019 / BankingHub

Second Conference for Building Societies in Hohenheim 2019

17/10/2019

Successful second industry conference for building societies, organized by zeb and the University of Hohenheim

Title image: CSR impacts—the new dogma in reporting

CSR impacts—the new dogma in reporting?

16/10/2019

Will measuring the impact of banks on the environment, society and the economy increase their value in the long term?

Title image: zeb.market flash (Issue 31 – October 2019) / BankingHub

zeb.market flash (Issue 31 – October 2019)

10/10/2019

How long can banks withstand negative interest rates and a diminishing economic environment?

Headline image: Retail banking business models—defining the future

Retail banking business models—defining the future

09/10/2019

Challenges and opportunities of new business models

The potential of artificial intelligence in building societies and other financial institutions / BankingHub

A closer look at the potential of artificial intelligence in building societies and other financial institutions

09/10/2019

Survey about artificial intelligence in the financial sector.

The market data trap / BankingHub

The market data trap – managing complex issues

30/09/2019

How banks can manage and optimize rising costs for financial data vendors

Final EBA requirements for the estimation of downturn LGDs / BankingHub

Final EBA requirements for the estimation of downturn LGDs

27/08/2019

Focus: Modeling of risk parameters – new importance for downturn parameters in IRBA model development.

Banking 4.0 at Deutsche Bank / BankingHub

Digital Factory—Banking 4.0 at Deutsche Bank

13/08/2019

zeb visits Deutsche Bank’s digital research and development center

Portals, platforms and ecosystems as the new saviors / BankingHub

Portals, platforms and ecosystems as the new saviors?

06/08/2019

Generating earnings through digitalization

Robo Advisors in Luxembourg

29/07/2019

A look at market players

Digital marketing and sales as growth drivers

24/07/2019

Considerations for catching up in the financial sector

zeb.market flash (Issue 30 – July 2019)

17/07/2019

“TRIMming” European banks’ capital ratios in times of increasing market uncertainty

European Banking Study 2019

16/07/2019

Profitability remains a key issue—consequent digitalization becomes a success factor as competition increases

Transaction platforms: a solution to the NPL rebus?

10/07/2019

The role of marketplaces for illiquid assets as secondary market accelerators in the “new normal” environment.

Big tech companies – threat or an opportunity for asset managers?

11/06/2019

Status quo, strengths and future possibilities

Businesswoman with big data virtual interface as metaphor for Modern Tools of Wealth Management / BankingHub

Modern Tools of Wealth Management

04/06/2019

Providing Simplicity in a Complex World

Innovations in Trade finance / BankingHub

Innovations in trade finance

14/05/2019

Automation and digitalization of the entire trade finance transaction

Voxo – analysis-on-voice-conversation-content / BankingHub

Voxo – analysis on voice conversation content

06/05/2019

Interview with Iman Pouya, founder of Voxo.

Comments

Leave a Reply Cancel reply

Send this to a friend