White Papers and Reports

This paper argues that the widespread uptake of disruptive new technologies is exacerbating the pressures facing retail banking today, thereby driving a fundamental change in the structure of the industry i.e. digital-driven disintermediation of the banking value chain.

Throughout this whitepaper Temenos investigates methods for cultivating an indirect merchant lending channel within your bank or credit union.

the Single European Payments Area (SEPA) which has replaced national payment systems in the Euro area with a common payments message set based on the ISO 20022 standard.

Celent evaluated banking Omnichannel Customer Acquisition vendors and identified the leaders based on functionality, technology, and service.

A quick glance at the revised EU directive on payment services PSD2 is enough to make a financial institution baulk, but on close inspection there are some excellent opportunities.

Until recently, the world of finance was seen as a highly technical, highly regulated industry dominated by giant banks that resisted disruption (other than the occasional global meltdown). However, the finance industry is now riding an entrepreneurial wave, with blockchain at the helm.

This white paper examines the collections practices and technology of the past, present and future – inviting banks and credit unions to imagine the possibilities as they cultivate a healthy consumer base and prepare for the challenges and triumphs of tomorrow.

Cloud computing, which in the most basic of terms offers unlimited computing resource as a service on a pay-per-use basis, is proven to directly translate to less upfront, capital expense and…

Our very relationship with banks will be transformed, as will the way they operate. Branches will disappear as we no longer require face-to-face service. This paper delves into what the Internet of Things can mean for banks and how their very relationship with customers be transformed.

Digital disruption is upending established business models across the spectrum, and banking is no exception.

Debunking the low balance sheet myth; In the digital era, it’s the route to customer, not the balance sheet, that matters.