Learn about A.T. Kearney's perspective on trends and issues in the financial institutions industry.

Banks and Risk: The Rocky Relationship Persists
For many banks, the rocky relationship with risk continues despite all the admonitions and public handwringing. Perhaps it would help to re-review what we call “The Seven Tenets of Risk Management” to see why the paradigm has neither been altered nor fundamentally changed in this new world order... [more]

Far-reaching changes to credit card industry securitization
With the credit card industry battling rising net charge-offs on its receivables base of about $800 billion, new regulations loom – bringing new challenges and potential benefits... [more]

SEPA revenue potential for EU-27 and beyond
Although SEPA is stimulating new opportunities for banks and payment providers in its overhaul of the payments landscape, it also is challenging financial institutions to quickly restructure their costs and competitive position... [more]

Brazil's economic risk from accentuated growth in auto loans
Given its importance for the economy as a whole, Brazil’s automotive credit market needs to remain healthy and growing — but similarities to the American real estate subprime market suggest potential risks... [more]

New distribution channels for insurance companies and banks
With sales from traditional channels slowing, insurance companies and banks are seeking new opportunities in the form of innovative partnerships, but success isn't guaranteed — it only comes if the partners can create a true win-win situation... [more]

Effectively managing complexity in financial services — and increasing profit
Because banks have a hard time managing the tradeoffs between customization and complexity, they are often saddled with excessive operating cost and are slow in reacting to market changes and real customer needs — solutions aren’t easy but a holistic approach to managing the tradeoffs is possible... [more]