The 2019 Innovation Landscape: Sectors and startups set to disrupt the market
By UBI Global
As we enter a period that is beginning to be defined by fintech partnerships and collaborations, this paper compiles a range of studies, surveys and articles to track the innovation journey. It analyses weaknesses and strengths at each part of the start-up track, culminating in an assessment of the key sectors set for major disruption and the most prominent trends in disruption as well as the technologies they are utilising. Of particular interest here is their analysis of cybersecurity.
2019 Accenture Global Financial Services Consumer Study
By Accenture
This study covers the global trends affecting the banking and insurance industries and informs these groups on how their customers want to be engaged with them via positing four personas. The research found, amongst other things, that customers desire fully personalised offerings from financial providers and they also want better integration between physical and digital channels. The study also uncovered that consumers’ trust in financial institutions is high and increasing.
Smart contracts in insurance: Making sense of the terminology and developing use cases
By Norton Rose Fulbright
This report describes the rise of smart contracts both from a technological perspective and a legal perspective. It also delves into the current use cases in insurance provision, detailing how such technology is being leveraged, before using this as a basis to foresee the future trends that are likely to permeate the market.
A Call for action: Climate change as a source of financial risk
By Central Banks and Supervisors Network for Greening the Financial System
Recognising that central banks and supervisors have a mandate to guarantee that the financial system remains resilient to the risks of climate change, this report outlines how climate change causes economic and financial risks and sets recommendations for central banks and supervisors, and also how policymakers can help enable and support these groups’ work.
Card payments in Europe
By European Central Bank
Unlike the retail payments market, which has undergone an integration over the last two decades that has included the creation of the Single Euro Payments Area (SEPA), card payments still lack this very harmonisation regarding business practices and rules, market integration, and technical standards. This paper reviews the present state of card payments in the EU and attached policies and takes a look at how a SEPA for cards can be built within Europe.
Shifting Paradigms: The 4th European Alternative Finance Benchmarking Report
By The Cambridge Centre for Alternative Finance, University of Agder
This sweeping report overviews data from 45 European countries regarding alternative finance. The research found that the alternative finance market grew by 36% in 2017, P2P consumer lending has accounted for the largest market share for alternative finance in the from 2014-2017, and the top three European markets are France, followed by Germany and the Netherlands.
