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- Assessing System Risk
- ‘Know Your Customer’ Rules Must Evolve
- Technology, New Players, Outpace Regulators
- Mobile Banking Security Requires a New Approach
- Banks’ Experience to Shape Mobile Regulation
- Balancing Mobile Security and Innovation
- Will Mobile Regulatory Regimes Help or Hurt Banks?
- Relationships with Regulators Could Help in Mobile Rollouts
- Consumers Do Not Fully Trust Mobile Banking
- Testing for the Weakest Links
- Expect Mobile Security Attacks to Mimic, Then Surpass, PC Attacks
- Industry Is Still Setting Ground Rules for Mobile Security
- Invest Adequately in Security, Disclose When Things Go Wrong
- Banking: Future Growth Models
- Customer Focused Products
- Emerging Markets
- Innovation Revisited
- IT Investments
- Lessons Learned from the Financial Crisis
- Managing Regulations
- Mobile Banking
- Mobile Banking: Financial Services Meet the Electronic Wallet
- Rebuilding Trust
- Regulatory Arbitrage
- Retail Banking
- Risk Management
- Scenario Planning
- Video 1: Banking: The Road Ahead
- Video 2: Regulatory and Growth Challenges Face Global Banks
- Video 3: Putting Together the Global Banking Puzzle
- Video 4: Banking Takes a New Look at Innovation
- Video 5: SIFIs Rules Are Recasting Global Banking
- Video 6: The Future of Mobile Banking
- Video 7: Global Banking 2020: Using Scenario Planning to Guide Strategies
- Video 8: Mobile Banking and Big Data – Meeting the Promise
- Video 9: Solving Mobile Banking's Global Security Concerns
- G30 report: a call to action on bank governance Global banking outlook 2012-2013 Webcast - Bank risk governance: progress and challenges Global banks adapt to uncertain economics and regulations Lessons from change: The challenging banking environment Video report: Key findings from CFO report on capital management More articles and resources from Ernst & Young on Banking and Capital Markets
4:51 (Part 6 of 11)
Expect returns on equity to go down, the cost of capital to go up and margins to shrink. Banks will have to adapt. There is a lot of interest in migrating to businesses that require less capital and liquidity, and that are more fee based. But what does that mean for banking when it comes to credit creation and intermediation.
3:35 (Part 7 of 11)
While it is difficult to get a clear picture of future growth models until the dust settles around all of the new regulation, a couple of things stand out: There will be a much sharper focus on customer needs, and investments in emerging markets, already underway, will climb significantly higher.
2:48 (Part 8 of 11)
The ability to crack the Chinese market, where the goverment controls mortgage and deposit rates, will be very challenging. Watch for a number of outside banks to pursue the joint-venture route. Of the major players, Brazil may offer the most opportunities because it is the most integrated with world markets.
3:44 (Part 9 of 11)
The financial crisis made it obvious – especially to regulators – that many organizations had difficulties getting their hands on crucial information quickly. As a result, expect continued rising investment in IT across all areas to get better metrics, including financial, regulatory, risk and management reporting.
3:02 (Part 11 of 11)
The jury may be out on whether the lessons of the last crisis have been fully absorbed, or whether it is just a matter of time before players return to taking on excessive risks in the hunt for yield. But in addition to looking backward to what went wrong in the past to gain insight, interested parties must also look forward: What is the next risk? And how should you prepare for it?
36:51 (Full video)
Global banks, following the financial crisis, face a level of uncertainty not seen in decades. Among the chief challenges are: massive re-regulation; strong downward pressure on profits; a demand for significant IT investments; and the need to innovate to build new growth models capable of tapping rapidly developing emerging markets.
In this video series, professionals from Wharton and Ernst & Young offer insight into these and related key issues.