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@Banks: Stay Tuned With Your Customers

How Smart Financial Institutions Exploit the Communication Advantage

Two main ways could be undertaken: differentiate and renew value proposition with innovative services and products and make customers and their needs the focal point of the business model.Banks can effectively achieve these challenging targets implementing an innovative communication model that...
Financial services

Design to Customer Value

"Design to customer value" is a cross-functional approach that simultaneously optimises the product in terms of customer benefits and product life-cycle costs. Key elements include an analysis of customer requirements and product functions and technical competitor benchmarking. Delivering average...
Industrial goods & services, Operations management

Five Habits of Highly Efficient Banks

If, as shareholders recognise, cost-efficiency is an indicator of a well run bank, how can it be achieved? An Arthur D. Little survey found that Europe’s most efficient banks have important characteristics in common: very cost-conscious cultures with a focus on embracing revenue-creating costs and...
Financial services

Rethinking the corporate center

How to turn your corporate headquarters from a cost factor into true support for your business

Many financial services companies struggle when it comes to optimising support and back-office functions. Arthur D. Little proposes an approach resulting in corporate headquarters that many companies have never dared to imagine: business-focused, flexible, lean where possible, strong where...
Financial services

Driving Banks' Value Through M&A

Strategic Mergers and Acquisitions are Reshaping European Banking

The crisis in the financial markets is providing additional momentum for already increased M&A activity, with a number of sizeable institutions suddenly up for sale. How can banks manage post-merger integration successfully to realise true growth in value?
Financial services

Six Habits of Highly Efficient Insurers

Key areas of success

Efficiency in Europe's insurance industry has improved significantly in recent years. These improvements might seem to be the result of programmes to reduce costs and increase operating profits, but closer inspection shows that the most efficient companies adopt a far broader range of strategies. A...
Financial services

Survival of the Fittest

The future of the European leasing market

After years of record growth, the European leasing market will see a projected negative growth of about minus 10 per cent in 2009, and the number of leasing providers is set to decrease by up to 30 per cent over the next five years. Which players will survive and what business model do they need to...
Financial services

Tapping potential in Europe's card market

How to benefit from a growing market

Cards are the fastest-growing form of non-cash payment around the world. The European card market retains huge potential for growth - 80 per cent of transactions in Europe are still made in cash. European card issuers can draw on trends in mature markets to identify the strategies they need to...
Financial services

Evolution of the species

Optimising the IT sourcing model

Few IT departments are in good enough shape to meet the challenges arising from the current financial crisis. Optimising the IT sourcing model can provide a solution. Arthur D. Little proposes a service integrator approach: by outsourcing IT to a service integrator, companies can focus internal...
Financial services, Information management

Banking on the go

Identifying and capturing value in mobile banking

As some banks begin to exploit the mobile phone to offer customers services characterised by a previously unimaginable level of accessibility, convenience and personalisation, a profound transition in the relationship between people and their finances is underway. This paper looks at how banks can...
Financial services