Infusing Security into Digital Engineering

The digital economy calls for solutions to be built with digital technologies from the ground up. However, this can result in a double-edged sword: The more a solution relies on digital mechanisms like open APIs, web services, open-source software libraries, cloud and web access over the public Internet, the more vulnerable it is to hacking, […]

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How Open Banking & Blockchain Unlock New Opportunities in Trade Finance & Working Capital

Blockchain was the talk of Sibos 2014 in Boston, and the movement toward distributed ledger technology (DLT) was off and running. As Sibos 2018 opens in Sydney, application programming interfaces (API) and open banking will be high on the agenda alongside blockchain, showing once again that the technology continues to gather momentum. Over the last […]

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The Hobson’s Choice of Post-Trade Operations

The UK has a long tradition of horse racing, and the major race events are critical dates on the British sporting and society calendar. Growing up, my family closely followed the National Hunt season, where courses range from two to 4.5 miles and incorporate fence-jumping. Interest usually peaked each year with the Cheltenham Festival, and its […]

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The Digital Future of Mortgage Servicing

Mortgage servicing has a consumer reputation few would envy. According to the Consumer Financial Protection Bureau (CFPB), more than 80% of mortgage-related complaints involve problems with mortgage servicers. Additionally, nearly 80% of borrowers opt for a different servicer when they refinance their loans or move. Consumer lock-in is the widely acknowledged reason for this state […]

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Riding the Wave of Mortgage Digitization

After surviving recent regulatory reforms, mortgage bankers and financial institutions are ready to broaden their emphasis beyond compliance. And not a moment too soon, because the next wave of digital change is moving from the front office to the back office, and players need to respond rapidly. Much of the talk around digitization focuses on […]

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Putting L&A Insurance Tools Directly in Consumers’ Hands

Talk to senior life and annuity (L&A) insurance executives, and you’ll hear a common theme: How best to adapt to the rising customer expectations and disruptive changes underway? Consumers, especially millennials, who are accustomed to one-click ordering on Amazon or Uber, don’t understand why buying life insurance needs to be so confusing and time-consuming. They […]

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Breaking through the Privacy Illusion with Blockchain

“We are all now connected by the Internet, like neurons in a giant brain.” – Stephen Hawking, in an interview with USA Today. – What is modern-day privacy? With the extent of information sharing and connectivity prevalent today, the definition of what needs to be protected, at what level and from whom, seems elusive. For […]

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Why Haven’t Health Plan Members Adopted Digital Tools? Hint: It’s Probably the Tools

The most popular aspect of our health plan Voice of the Member studies has been the “top digital features” list, in which respondents rank the importance of health plans’ web and mobile features. That list didn’t change much from our 2016 study to our 2018 results, with “looking up benefits/confirming coverage” ranking first and “finding […]

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How Forward-Thinking Companies Are Addressing the Digital Talent Gap

While every business’s digital journey is unique, one aspect will be consistent across the board: Employee talent investment. As digital technologies such as artificial intelligence, blockchain and machine learning remap the required skills, competencies, roles and learning journeys –amid a very real digital talent gap – organizations need to renovate ancient analog work structures and talent […]

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