Financial Services & Capital Markets
Changing regulations & technology disruptions: the new normal
Blockchain was merely the strange-sounding tip of the iceberg. Financial services and capital markets continue to experience massive technological changes and continual disruptors. Innovative opportunities and corresponding risk are omnipresent. Identifying, understanding and addressing these co-existing factors is essential to maintaining an institution’s core identity and customer trust.
Mitigating Risk in the Face of Technology Change
Policy Research & Development
The impact of technology innovation on the operating practices in global banking required a new framework to develop regulations and guidance for banks. Regulators were challenged to understand the implications of the technology and its impact on business practices while new risks continue to emerge.
By analyzing technology implications and expanded reach of banking services, the industry recognized its new exposures. After laying the foundation for new banking policies at the Comptroller of the Currency (OCC), the OCC implemented a framework that would support coordinated efforts with the Basle Committee on Banking Supervision.
Reengineering for Optimal Performance
Aligning Global Services & Operations
With operations in 17 jurisdictions, Bermuda Trust Company serviced clients across the world. Acquisitions, expansion into new jurisdictions and administrative costs created pressures on operating margins and risk management practices.
Collaborative management practices were introduced across the organization. Transitional and long-term plans were developed to improve operational performance. The information architecture was designed to support the business and systems design. A key component of this effort included asset and revenue contribution modeling. Based on market comparisons, an updated pricing strategy was implemented to reflect the fiduciary risks. To advance service delivery, management programs and staff competency models were designed and implemented, leading to an increase in annual revenues of $5,000,000 and increased administrative productivity.
Developing Trusted Institutions in Housing Finance
Housing Finance in Emerging Markets
With unprecedented demand for housing, Instituto del Fondo Nacional de la Vivienda para los Trabajadores (INFONAVIT) expanded its mortgage financing programs. The DRC team led a comprehensive analysis of best practices for capital market funding, financing, mortgage origination, administration and investor relations.
INFONAVIT instituted performance initiatives to expand lending capacity, streamline operations and improve access to capital. Strategic programs were based on a working model, The DRC Mortgage Market Model ™. To date, INFONAVIT remains the foremost issuer of Mexican mortgage-backed securities and the largest mortgage lender in Mexico.
Implementing a Corporate Development Program
New Venture Investment Strategies
Investing with a strategic purpose was fundamental to Toshiba’s corporate development initiative. Outlining opportunities to capitalize upon the emerging technologies was the first step in a program that would set the stage for growth within media and information technology service sectors. The challenge for Toshiba was to leverage investment activities that would result in positive corporate development.
Through a series of interactive sessions, prospective operating models for emerging market opportunities were outlined. These models promoted a theme of Value-Based Investing to target long-term value beyond short-term financial returns. By focusing on technology trajectories of the current product offerings, new technologies and capabilities were anticipated for the marketplace, helping define investment strategies for a seed level investment fund of $100 million.
Client Engagements
30
Years
12
Countries
15
Industries
65+
Organizations
DRC
For insight, inspiration and implementation
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