_retail
Retail Banking

Open Banking, digitalisation, new entrants, technological maturity, new uses, new customer expectations, the rise of millenials… Relationship models and digital banking models must be adapted accordingly to fit in with these changes. Find out more about our study, which offers an insight into these new ecosystems, presenting the different digital...

The retail banking sector is experiencing an acceleration in the dynamics of concentration between its various players. Mergers are thus taking place between the historical players but also concern the latest arrivals in the ecosystem. A merger is a key moment in the lives of the two companies involved. Numerous...

Very marginal until 2019, teleworking burst onto the scene in March 2020 in the networks of banks and insurance companies. Although it disrupts the organisation of sales outlets and is not compatible with certain network activities, teleworking has nevertheless been accepted by customers and meets the aspirations of some front-office...

Very marginal until 2019, teleworking burst onto the scene in March 2020 in the networks of banks and insurance companies. Although it disrupts the organisation of sales outlets and is not compatible with certain network activities, teleworking has nevertheless been accepted by customers and meets the aspirations of some front-office...

Successions and the monitoring of related financial assets are a growing challenge for banks in terms of customer relations, finance and competition. In France, this represents €12 billion in annual outflows linked to deaths. What are the keys to ensuring continuity of management, developing a new relationship with beneficiaries, and...

Despite clear emission reduction targets agreed in the Paris Agreement on climate change in 2015, global greenhouse gas emissions continued to rise until 2019, when they reached a dangerously high level. Global emissions need to fall by 50% over the next decade if the world is to have any chance...

PSD2 was designed to encourage the arrival of new players on the payments market and to catalyse innovation in financial services. With the hindsight and maturity that we now have, and with the EBA publishing a draft revision of the RTS in October 2021, our teams take stock of the...

In the last decade, Banks in the EU have been struggling with NPLs (Non Performing Loans) in their balance sheet due to the global financial crisis and the following recessions, coupled with structural factors and inadequate loan origination practices. NPLs have been a major concern for banks, supervisors and investors:...