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Gain Insights into Current Trends and Challenges Impacting the Financial Services Industry

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Leaders and Laggards: Get Ahead or Get Left Behind

By Mark Smedley, Vice President of Financial Services Pressure on wealth and asset management firms to innovate is coming from all directions. With the choice to...

Recent Posts

Financial Services

Welcome the Blockchain Generation

By: Sanjay Mathew, Sr. Director, FS Industry Solutions   While the Carolina Fintech Hub Generation Blockchain Challenge has come to a close, the opportunity to...

Blockchain Technology and Financial Crime: A New Future?

Blog By: Julien Mansourian, Strategy and Transformation Executive. Blockchain is a sequential distributed and encrypted database found in cryptocurrencies...

Banking

How will Transfer Agency continue to be relevant in the current Age of Disruption?

With the profound changes happening across Financial Services due to rapid technological shifts, and regulatory reactions to various scandals, will Transfer...

The Blockchain Generation: Creating the Future of Banking

By: Rochelle Brocks-Smith, Director, FS Industry Solutions Sanjay Mathew, Sr. Director, FS Industry Solutions   It’s one thing to be the master of your own...

Analytics

The Emerging Generation of Machine Learning and Artificial Intelligence: Solving AML Challenges

Blog By: Garima Chaudhary, Oracle Financial Services Financial Crime and Compliance Management Specialist. Some time ago, in my Top 3 Trends Transforming AML...

Banking

Fintech & Digital Disruption on Transfer Agency

In today’s Technology and Business Landscape Digital Disruption is and has been a buzz phrase for many years.  In particular, we have seen the impact on...

Analytics

The Effectiveness of Suspicious Activity Reports

Blog By: Julien Mansourian, Strategy and Transformation Executive. The purpose of an Anti-Money Laundering application is primarily to enable the reporting...

Banking

How can mid-size banks thrive in a digital and connected world?

Digital transformation does not necessarily have to be prohibitively expensive, especially in the case of mid-size or regional banks.

Banking

Fund Servicing in the Millennial Age

Millennials comprise about a third of the global population and are massively impacting the way investments function. Since they’ve grown up as digital natives,...

Analytics

The Next Generation Risk & Finance Transformation

Blog By: Julien Mansourian, Strategy and Transformation Executive. In the 90’s, we talked about Enterprise Resource Planning (ERP), an integrated Business...

Analytics

Robust AML Program vs. Penalties: AML & Sanction Fines in 2017

Blog By: Garima Chaudhary, Oracle Financial Services Financial Crime and Compliance Management Specialist. In recent years, law enforcement agencies have...

Analytics

The Time to Explore Machine Learning is Now

Over the years, we have become increasingly dependent on technological advancements. Almost all aspects of our lives - the way we communicate, the way we shop,...

Banking

Exerting a Gravitational Pull - Singapore Fintech Festival 2017

Mark Smedley, VP FS Industry Solutions, Oracle Sharon Tan, Strategic Marketing Lead, Oracle Financial Services By: Mark Smedley and Sharon Tan The recent...

Banking

Is Blockchain a disruptor or enabler for Transfer Agency?

We have been awash in the Financial Services over the past several years of hearing of the next big technology that will change the face of the industry, and...

Banking

Harnessing Oracle Digital Experience Solution for Customer Delight in Lending and Leasing

Digital originations are evolving According to a research*, the average number of connected devices owned by a typical digital consumer is 3.64. Digital ways of...

Analytics

Relationship Pricing - The Key to Valuing Your Customers?

Blog By: Akshaya Kapoor, Senior Director, Product Strategy, Oracle Financial Services This is the third and final blog in a series relating to a joint study...

Analytics

Revenue Management – The Secret Behind Successful Innovation

Blog By: Akshaya Kapoor, Senior Director, Product Strategy, Oracle Financial Services In a previous blog, (‘Using innovation to achieve sustainable...

Banking

Using Innovation To Achieve Sustainable Profitability

Blog By: Akshaya Kapoor, Senior Director, Product Strategy, Oracle Financial Services It’s no secret that profit margins for most banks are still at or below...

Analytics

Artificial Intelligence or Rules-Based AML/Sanctions?

Blog post by Julien Mansourian, Strategy and Transformation Executive, Oracle Financial Services Analytical Applications. FinTech is going through a significant...

Banking

Are you Ready for Digital Lending and Leasing ?

Blog By: Tushar Chitra, Senior Director, Product Marketing, Oracle Financial Services They share their cars with unknown people, communicate every emotion...

Analytics

The Reality of Upgrading: Spinning Learnings into Opportunities

Blog by Garima Chaudhary, Oracle Financial Services Financial Crime and Compliance Management Specialist. In my previous post, I discussed the key drivers...

The Reality of Upgrading: Fresh Installs vs. True Upgrades

Blog by Garima Chaudhary, Oracle Financial Services Financial Crime and Compliance Management Specialist. A well-made transaction monitoring system is a...

CECL Challenges: The Changing Face of Qualitative and Environment Factors

Blog by Geetika Chopra, Senior Product Manager, Oracle Financial Services Analytical Applications. In my last post around the introduction of the CECL standard,...

Banking

Measuring Up: Five key metrics to help banks measure their “Digital Maturity”

Blog by: Mark D. Atherton, Group Vice President, Oracle Corporation Digital disruption, fintech and emerging technologies have upset the status quo in banking....

Analytics

AnaCredit - Is it One regulation or Many? A look at the impact of National variations.

Blog By: Saloni Ramakrishna, author and senior director, Oracle Financial Services Analytical Applications. It depends on who is answering that question....

Analytics

AnaCredit - the Nuanced regulation

Blog By: Saloni Ramakrishna, author and senior director, Oracle Financial Services Analytical Applications. I am quite fascinated with the European Central...

Introducing Banking to Children and Young Adults in a Cashless World

Blog By: Tushar Chitra, Senior Director, Product Marketing, Oracle Financial Services The 'future’, everyone has an opinion on where technology is heading! What...

Analytics

Japan's FSA launches Money Laundering Inspections across local Financial Institutions

Blog post written by Ido Nir, Oracle Financial Services Analytical Applications, Financial Crime and Compliance Management - Asia Pacific.  Enhanced enforcement...

注意差距:从流动性管理迈向资金合作伙伴

Blog By: Anand Ramachandran, Senior Director, Global Banking Solutions Practice, Oracle 如今,多股宏观经济和监管力量正对公司流动性管理产生影响。跨国公司涉及多货币和多地区业务,因...

Analytics

Top 3 Trends Transforming AML Programs

Blog by Garima Chaudhary, Oracle Financial Services Financial Crime and Compliance Management Specialist. On the timeline of financial services development, the...

Banking

Mind The Gap: Stepping Up From Liquidity Management To Being A Treasury Partner

Blog By: Anand Ramachandran, Senior Director, Global Banking Solutions Practice, Oracle There are multiple macro-economic and regulatory forces influencing...

Banking

Faster Payments: How Banks are Reclaiming Lost Ground

Blog By: Tushar Chitra, Senior Director, Product Marketing, Oracle Financial Services The last couple of years have witnessed, innovations in payments dominated...

Analytics

Fighting Financial Crime with Cutting-Edge Techniques

As you know, the pressure placed on financial organizations to combat crime and money laundering is always on the rise—and there’s good reason, too. It’s...

Analytics

Fundamental Review of the Trading Book(FRTB): How do you start on this journey?

Blog By: Rohit Verma The Fundamental Review of the Trading Book is painful, onerous & expensive to implement, and unfortunately it’s not going away. It’s an...

Analytics

Live from OIC17 - Continuing the Journey of Capitalizing on Artificial Intelligence

Blog By: Arjun Ray Chaudhuri I am live at Oracle Industry Connect and I just had the pleasure of sharing a demo with the attendees during Sonny Singh’s Keynote...

Banking

The World Beyond Passwords - Biometrics & Banking

Blog By: Tushar Chitra, Senior Director, Product Marketing, Oracle Financial Services Managing passwords is a big issue for today’s connected customers in a...

Analytics

CECL Compliance – Evolving for the future

The Financial Accounting Standards Board (FASB) published an accounting standard update in June 2016 for estimation of credit losses for the purposes of...

Banking

PSD2: Threat or Opportunity for Incumbent Banks

Blog By: Tushar Chitra, Senior Director, Product Marketing, Oracle Financial Services Payment Services Directive (PSD) adopted in 2007 aimed to create a single...

Banking

Banks Must Dive In and Ride the Digital Wave

Blog By: Tushar Chitra, Senior Director, Product Marketing, Oracle Financial Services Evidence on banking transformation is mounting every day. One need look no...

Analytics

Technology: The Core of a Successful Compliance Program

In this video blog, Saloni Ramakrishna, author and senior director at OFSAA, discusses the unified platform approach for compliance and managing regulatory...

Analytics

IFRS 9: A Video Blog Series (Part 2)

The new set of standards as introduced by the International Accounting Standards Board (IASB) – International Financial Reporting Standards 9 (IFRS 9), are...

Analytics

What price a better pricing strategy for banks?

Blog By: Arjun Ray Chaudhuri The world of financial services is changing and banks must be ready to respond to these changes. This is the thinking behind a new...

Analytics

IFRS 9: A Video Blog Series (Part 1)

The new set of standards as introduced by the International Accounting Standards Board (IASB) – International Financial Reporting Standards 9 (IFRS 9), are...

Analytics

A Video Blog Series #3: Building an ecosystem to future proof banks in a fast changing regulatory reporting landscape

In the second video blog of the 3-part series, Saloni Ramakrishna, author and senior director OFSAA, discussed AnaCredit, a new regulation from EBA as part of...

Analytics

Big data – a vast pool of potentially invaluable information

Blog By: Arjun Ray Chaudhuri Businesses - including banks - are constantly bombarded with a colossal amount of information, thanks to the ever-growing influence...

Analytics

Are you making the best use of information?

Blog By: Arjun Ray Chaudhuri Information is the lifeblood of any business, and the financial services sector is awash with useful information – both valuable...

Analytics

A Video Blog Series #2: Paradigm Shifts in the European Regulatory Reporting Framework with focus on AnaCredit, the new requirement from EBA

In the first video blog of the 3-part series, Saloni Ramakrishna, author and senior director OFSAA, discussed the overall context and background of European...

Analytics

A Video Blog Series: Paradigm Shifts in the European Regulatory Reporting Framework with focus on AnaCredit, the new requirement from EBA

In the first video blog of the 3-part series, Saloni Ramakrishna, Author and Senior Director for Oracle Financial Services Analytical Applications, discusses...

Analytics

Aligning Risk and Data Governance Across your Financial Institution

There is a data deluge in the Financial Services sector. New regulations, requirements, and sophisticated analytical tools have conspired to drive huge demand...

Analytics

How the CFO can Prepare for the Future of Financial Regulations

The rules and regulations placed on financial institutions are constantly changing, and trying to adapt and ensure you’re compliant with them all is far from a...

Analytics

Three Steps to Optimized Financial Data Governance

Over the past decade, the role of meaningful, actionable data has completely changed within the modern Financial Institution (FI). While clean and consistent...

Analytics

Business Case for Positive and Active Compliance Management (PAC-M)

In her sixth video blog of the series, Practical Solutions to vexing Compliance Challenges, Saloni Ramakrishna touched on how some of the practical solutions to...

Analytics

Regulatory Burden May Lead to the Emergence of “Risk Utilities”

New regulation forcing businesses to provide consistent and timely evidence of accountability are hitting processes and operating costs hard and are leading to...

Banking

A customer oriented collections strategy boosts collections success and reduces operating costs

In the aftermath of the financial crisis and the accompanying recession, consumers retreated heavily on debt. Growth rates in debt began to accelerate around...

Banking

Risks vs Rewards – The Dynamics of Debt Collection

A joint study conducted by the Urban Institute and Encore Capital Group's Consumer Credit Research Institute showed that about 77 million Americans currently...

Analytics

A new perspective on the potential of data

I’m sure most people will agree that data as an asset is not a new idea. However, I can make a strong argument that regulation as an asset is. This is quite a...

Analytics

Continuing the Data Governance Journey: A Video Blog

Following his previous blog post, The Data Governance Journey: Adjusting to Cultural Change, Lovell Mathews, Oracle Financial Services Analytical Applications...

Analytics

Negative Interest Rates: A Path into the Unknown

When historians look back at what unfolded during the global financial crisis of 2007 onwards, and the actions taken to save the global economy from the...

Analytics

What’s the difference between see-through and look through?

Sometimes working with data can seem like an existentialist exercise. Are we thinking about data or are we thinking about the human condition? Sometimes it’s a...

Analytics

Centralized Questionnaire Management for a Greater KYC Program

The Know Your Customer (KYC) provision has been around for several years and yet still challenges banks.  This financial regulatory rule was mandated by the...

Analytics

From FATCA to GATCA: The Making of Global Tax Network (Part 2)

I hope you liked the first part of the Global Tax series and welcome to last and final Part 2 where I’ll build on the context set up in the first post. In this...

Analytics

A single regime for data: Management of risk becomes management of business

When I’m asked how risk and financial data can become an asset, I find it easiest to put this into financial terms: Once you have data assets. You can value...

Analytics

Practical Solutions to vexing Compliance Challenges

In her fifth video blog of the series, The Umbilical Cord Between Business Model and Compliance, Saloni Ramakrishna discussed the fundamental connect between...

Banking

No More Dithering Over Digital Transformation!

Blog By: Aubrey Hawes There’s little doubt that one of the main factors currently affecting the financial services industry – and that’s likely to go on...

Analytics

Greater visibility boosts profitability and performance

We’re all watching our pennies these days, especially in banking. The cost of capital is increasing while regulatory requirements become more demanding. Every...

Analytics

IFRS 9 (Impairment) - Its Positive Effects on the Financial Services Industry

In a nutshell, the International Financial Reporting Standards (IFRS) are a set of accounting standards developed by the International Accounting Standards...

Analytics

From FATCA to GATCA: The Making of Global Tax Network (Part 1)

"If you've never heard of FATCA, I don't blame you. Few people have, and even fewer fully grasp what it really means… Now that FATCA has become a fait accompli,...

Banking

Can ‘IoT’ Shake Banks?

Blog By: Tushar Chitra, Senior Director, Product Marketing, Oracle Financial Services As disruptive technologies continue to fuel innovation, banks are not...

Analytics

You have the Data, Now take Control of Business

We all know the age-old saying: “Knowledge is power.” It’s still true, perhaps more now than ever. I’ve noticed that the more data regulatory bodies require us...

Banking

Off the Beaten Path – Exploring Banking Solutions for Women Owned SMEs

Women make up more than half of the world’s population and studies predict that in a decade their impact on the global economy as entrepreneurs, employees,...

Analytics

It's time to make use of your new asset

I’ve been thinking a lot about regulation lately. We often see it as a hoop to jump through, but I’d like to pose an alternate view: What if the outcome of...

Analytics

Live! From Oracle Industry Connect

Oracle Financial Services Compliance UpdateRegulatory pressure for compliance is at an all time high; join Oracle Financial Services Product Manager, Don Ryu,...

Analytics

Live from ACAMS: Woman on the Street

Our woman on the street, Kim Tyler, Oracle Financial Services Product Manager, discusses the hot topics she saw at ACAMS.  These include De-Risking, Personal...

Analytics

The Umbilical Cord Between Business Model and Compliance

In her fourth video blog of the series, Lessons NOT Learned, Saloni Ramakrishna discussed the lessons that the financial industry have not learned from...

Analytics

Big Data: From Hype to Insight - Part 4 Banking on Big Data

I hope you liked the third post of the Big Data series and welcome to fourth and the final part of this series. In the preceding posts, we covered A-Z of the...

Analytics

The Data Governance Journey: Adjusting to Cultural Change, A follow up conversation from FIMA US

I attended the FIMA US Conference last week and had a great experience meeting with many of you there. This event was a good mix of financial institutions with...

Analytics

Big Data: From Hype to Insight - Part 3 Analytics and Visualization

I hope you liked the second part of the Big Data series and welcome to part 3. Building on the context set up in the first two posts, it’s time now to look into...

Analytics

Know Your Customer: Moving Beyond Regulatory Compliance Part 2

Thank you for continuing to join me in the Know Your Customer journey! We can definitely say it’s always an exciting journey, albeit one with its challenges. In...

Analytics

Big Data: From Hype to Insight - Part 2 Infrastructure and Technology

I hope you liked the first part of the Big Data Ecosystem series and welcome to the second part of this series. Now, it’s time to peep into the nitty-gritty of...

Analytics

Lessons NOT Learned: A Video Blog

In her third video blog of the series, Gray Areas and Myths of Compliance, Saloni Ramakrishna discussed the myths and conflicts around compliance that move the...

Analytics

Successful Data Management: A Marathon, Not a Sprint

The ongoing data deluge in financial services has been quite apparent, and as a result, the criticality and significance of data management and governance needs...

Analytics

Know Your Customer: Moving Beyond Regulatory Compliance

Know Your Customer (KYC) and Enhanced Due Diligence (EDD) refer to operational tasks carried out by financial institutions in order to mitigate their risk...

Analytics

Big Data: From Hype to Insight - Part 1 Landscape and Architecture

Before I start, let me give you the context and structure of the complete blog series, Big Data: From Hype to Insight, so that you can stay tuned and know what...

Financial Services

A 2020 vision for today's Transfer Agent

As we move to 2020 and look forward to the opportunities this can bring to the Transfer Agency landscape, it is worth remembering that many companies are still...

Analytics

Predictive Analysis In Fraud Risk

by Deepali Dharwadker Afterspending over a couple of decades in Data and Analytics, I am often asked “Whatkind of Analytics are most suitable for my...

10 Reasons why Banks should move to Exadata

by Reshmi R (Kurup)  Oracle Exadata Database Machine hasbeen around since 2008 and many financial institutions are already reaping thebenefits of moving to...

Analytics

Gray Areas and Myths of Compliance: A Video Blog

In her second video blog of the series, Drivers of Compliance in the 21st Century, Saloni Ramakrishna discussed the classes of compliance drivers, Direct and...

Analytics

Oracle Ranked as Category Leader in 2016 Chartis RiskTech 100®

Chartis, a leading provider of research covering the global market forrisk management technology, recently released the 2016 ChartisRiskTech 100®. Now in...

Analytics

Drivers of Compliance in the 21st Century: A Video Blog

In her first video blog post of the Compliance Series, Interesting Shifts in the Compliance Space, Saloni Ramakrishna presented a bird's eye view of the shifts...

Banking

Message Standardization approach towards Risk Data Aggregation

 The second and third principle of RDA(BCBS239) emphasizes on reliable risk data management framework. Data should becomplete enough to reflect the...

Analytics

Interesting Shifts in the Compliance Space: A Video Blog

Introducing Saloni Ramakrishna, Senior Director at Oracle and Author of Enterprise Compliance Management - An Essential Toolkit for Banks & Financial...

Analytics

How to Gain an Enterprise-Wide View of Model Risk

Financial Institutions, even large to mid size in nature, maintain model critical information on a silo’d basis and as a natural extension of the same, the...

Analytics

Road to IFRS 9 (Impairment) Compliance: Challenges Ahead

The IFRS 9 final guidelines come into effect on the 1st of January 2018. These guidelines on Expected Credit Losses (ECL) appear to be more principles-based and...

Financial Services

Digitization, Transparency and Collaboration - Themes Banks Need to Address to Stay Ahead

The mood at Sibos was one of growing optimism and had a different feel to previous years. Regulation wasn’t the only topic being discussed which normally is the...

Financial Services

Reflections from SIBOS 2015: An industry at the crossroads, finally making a decision to transform

Sibos for a professional in the banking and financial industry is like an annual pilgrimage. Set over four days, the presence of the largest players (high...

Analytics

Model Risk Management: A CCAR Perspective

Model risk is not a new concept to financial services institutions. Financial institutions (FIs) make extensive use of models for strategic decision making and...

Banking

BLOCKCHAIN – Is the industry ready for the new technology?

Blockchain reached centre stage at Innotribe with a ‘New kids on the block(chain) platform’ session, and the panel was of such interest that the original...

Analytics

How to Stay Ahead in The World of Financial Crime

Early start today for the Compliance Forum on day two of Sibos which was three quarters full, a little surprising considering compliance is one of the main...