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2Copyright © Capgemini 2016. All Rights Reserved
Presentation Title | Date | Financial Services
Firms are consolidating their lending channel platforms to streamline operations
Information in Real-Time
Cross-selling Products
Decrease operational costs
Seamless Connected Experience
Source: Capgemini Financial Services Analysis, 2016
Enhance Operational Efficiency
3Copyright © Capgemini 2016. All Rights Reserved
Presentation Title | Date | Financial Services
Firms are leveraging new technologies to optimize their credit risk analysis
Optimize Pricing
Personalized Products
Decrease Processing Time
Dynamic Credit Management
Source: Capgemini Financial Services Analysis, 2016
4Copyright © Capgemini 2016. All Rights Reserved
Presentation Title | Date | Financial Services
Lending firms are transforming their operations for better efficiency
Business Process Improvement
Effective Monitoring
Automation79%
Mortgage lenders Agree/Somewhat Agree that industry is innovating to drive operational efficiency
2%Businesses operational expenses for online lenders of outstanding loans compared to 5-7% for traditional lenders
Source: Capgemini Financial Services Analysis, 2016; Mortgage Lender Sentiment Survey, Fannie Mae, Published July 2016; The path to profitable growth in retail lending, Nucleus Software, Accessed on Nov 2016 at http://blog.nucleussoftware.com/uncategorized/the-path-to-profitable-growth-in-retail-lending/
5Copyright © Capgemini 2016. All Rights Reserved
Presentation Title | Date | Financial Services
Firms are developing direct lending models in order to deliver positive results
Source: Capgemini Financial Services Analysis, 2016; Preqin Global Private Debt Report, 2016; Asset managers pour billions into direct lending”, Financial Times, accessed on November 2016 at https://www.ft.com/content/23bc5496-a026-11e5-beba-5e33e2b79e46
Diversifying Money Supply
Increased Supply of Capital
Predictable Yield$18.8
bn
In 2015, Europe focused direct lending funds raised $18.8bn in aggregate capital, a 48% increase from $12.7bn in 2014
$41.0 bn
In Dec 2015, European-based fund managers had $41bn ready to deploy in direct lending deals, twice as much as in 2012
6Copyright © Capgemini 2016. All Rights Reserved
Presentation Title | Date | Financial Services
Banks are collaborating with FinTech firms to nurture innovation and meet customer expectations
Diversify Portfolio
Innovation
Reaching Unbanked and Under-Banked Segments
Higher Return on Equity
$19.0 bn
FinTech investments have increased from $1.8 bn in 2010 to $19 bn in 2015
Source: Capgemini Financial Services Analysis, 2016; Digital Disruption, How FinTech is Forcing Banking to a Tipping Point, CITI, Mar 2016
7Copyright © Capgemini 2016. All Rights Reserved
Presentation Title | Date | Financial Services
Regulations are picking up pace in the online marketplace lending
Higher Rates Charged by Online Lenders
Remoteness and Anonymity of Online Transactions
Unconventional Ways to Assess Creditworthiness of Borrowers
Variety of Assortment of Credit Products Adds on Complexity
Source: Capgemini Financial Services Analysis, 2016
8Copyright © Capgemini 2016. All Rights Reserved
Presentation Title | Date | Financial Services
Expectations of millennials are pushing forward digital transformation agenda
Collaborative Projects
R3CEV Hyperledger Project Ripple (Payments)
91% of millennials use smart phones to access their
account
92% of millennials would make a banking choice based
on digital services
Source: Capgemini Financial Services Analysis, 2016; Millennials’ are driving the digital transformation of the banking sector, BBVA, July 2016; Here’s where mortgage companies should invest in tech to reach Millennials, Mortgage coach, June 2016, https://mortgagecoach.com/heres-where-mortgage-companies-should-invest-in-tech-to-reach-millennials/
9Copyright © Capgemini 2016. All Rights Reserved
Presentation Title | Date | Financial Services
Increase in digitization enhances cyber security concerns
Source: Capgemini Financial Services Analysis, 2016; Cyber Security Market - Global Forecast to 2021, Markets and Markets, 2016; Data breach statistics H12016, Gemalto, 2016; Cyber security: making banking safer, The Banker, Jan 2016; Cybersecurity Information Sharing Act of 2015, https://www.congress.gov/bill/114th-congress/senate-bill/754
Preventive Regulations
New Authentication Methods
Partnership with Specialized Vendors
Specific Roles such as Chief Information Security
Officer
$202 bn
Estimated size of cyber security market in 2021
10Copyright © Capgemini 2016. All Rights Reserved
Presentation Title | Date | Financial Services
Streamlining of lending processes by leveraging smart contract, blockchain, and IOT
Source: Capgemini Financial Services Analysis, 2016
Faster Contract Execution
Lower Transaction Cost
Transparency
Better Compliance
Better Collateral Management
11Copyright © Capgemini 2016. All Rights Reserved
Presentation Title | Date | Financial Services
Open marketplaces are gaining prominence
Source: Capgemini Financial Services Analysis, 2016
Faster Access to Credit
Increased Access to Credit
Emergence of New Business Models
Reduction in Cost of Operations and Lending
About CapgeminiNow with 180,000 people in over 40 countries, Capgemini is one of the world's foremost providers of consulting, technology and outsourcing services. The Group reported 2014 global revenues of EUR 10.573 billion. Together with its clients, Capgemini creates and delivers business, technology and digital solutions that fit their needs, enabling them to achieve innovation and competitiveness. A deeply multicultural organization, Capgemini has developed its own way of working, the Collaborative Business Experience™, and draws on Rightshore®, its worldwide delivery model.
Rightshore® is a trademark belonging to Capgemini
The information contained in this presentation is proprietary.© 2015 Capgemini. All rights reserved.
www.capgemini.com