Cash Management

Today, more than ever, liquidity management is crucial to the survival of every business. In the corporate banking space, customers are demanding increasingly sophisticated cash management tools from their financial providers.

The challenge for any bank is how to deliver outstanding service whilst managing costs, or to put it another way, to meet customer expectations profitably.

Financial Messaging

In an increasingly digitised market, the volume of financial messages is growing exponentially. To further complicate matters, the variety and number of counterparties is also esalating, leading to a major headache for banks. Ideally, a single messaging backbone would consolidate all messages from disparate sources, giving a bank complete visibility and control.

Islamic Banking

In the two decades since Islamic banks first appeared as active players, Islamic Banking and Finance has become a force to be reckoned with. The provision of banking services adhering to Shariah law has grown rapidly, with banks from all regions now actively targeting this segment.

Lending

Lending is one of the cornerstones of the financial  industry. Despite recent events, which have seen a seismic shift in the global lending landscape, one thing remains unchanged. Banks must be ever vigilant to ensure they have complete visibility of the true risk within their loan book.

Payments

The payments business, once relatively static, is changing rapidly. Bank consolidation, new competition, more sophisticated clients and an increasing number of regulations are driving a revolution in the market. In response, banks must lower their cost base, deliver innovative new products and services and improve their risk management, whilst supporting new technical standards and regulations.

Retail Banking

Customers of retail banks are becoming more demanding, they have access to more financial information than ever before, they have less patience and loyalty than ever before. They know want what they want, and they want it at a time a place, and a price of their choosing. And if their bank can't give it to them, they'll move to one that can.

To thrive in this competitive landscape, banks need to leverage their deep knowledge of their markets with technology that enables them to spot trends before they become self-evident and capitalise on them before competitors do.

Trade Services

The growth of international trade has been nothing short of staggering - increasing from less than 10% of GDP 20 years ago, to over 30% today. Driven by a number of factors including the reduced risk involved in international trade, traditional trade finance instruments, such as the Letters of Credit, have lost their hold over the market, ceding their place to Open Account and other alternatives.

Universal Banking

The universal banking model has gained popularity globally over the past couple of decades, with Universal Banks offering the full array of banking services, engaging in deposit taking, real estate and other forms of lending, foreign exchange trading, as well as underwriting, securities trading, and portfolio management.

Wealth Management

A lucrative mid -market (high-net worth and mass-affluent investors) has opened up between the retail and private banking sectors, offering considerable rewards and challenges to banks, insurers and new entrant service providers jostling for leadership.

Wholesale Banking

The wholesale or corporate banking market is undergoing an unprecedented level of change, driven by the recent financial crisis and longer term trends of cross-border expansion, the liberalisation of banking regimes and greater regulatory requirements.