A framework for creating shareholder value 0

A framework for creating shareholder value

​A range of industry-focused solutions that help organisations review and enhance the effectiveness of their risk management and financial performance measurement capabilities.​​




Craft The Right Financial Services Strategy

Financial Institutions are facing a great number of challenges to be tackled at the same time. They have to operate with a new wave of regulations to strengthen their balance sheet structure, to beat the burden of a negative credit cycle and to deeply rethink their ‘go to market’ model.

All this goes together with the Digital Transformation and the new Customer’s behaviors and needs.

Reply offers a 360 degrees of support in mission critical areas where relevant innovation is a must. Reply approach is made of management consulting services and functional know-how with deep knowledge of software solutions and strong system integration capabilities.​​​​​

Main areas of expertise:
• Wealth management
• Multichannel models and solutions
• Mobile Payments
• Cyber Security
• Retail credit
• Government Risk Control service


Best Practice

Crowdfunding: is it the right time for banks?

On an almost daily basis the press talk of diverse projects funded by participatory finance. Everyone finds their niche whether it be the "contributor" who is involved in the output of a project and receives a reward or "the project leader" who finances and publicises it, or the "platform" itself which receives commission for services provided by bringing together the contributors and project sponsors.

Crowdfunding is it the right time for banks? 0

Cross-sector lessons

Best Practice

How Retail is inspiring the banking sector

When consumers think of dealing with their bank, the image of an insightful and efficient experience doesn’t necessarily spring to mind. Banking is more of a necessity than a chosen pastime!

29.09.2015 / Milan


Forum Banca 2015

Iriscube Reply and e*finance consulting Reply join the 8th edition of Forum Banca 2015 which take place in Milan on 29th September 2015. The conference is an important reference point for technological innovation and process optimisation within the financial and banking sectors.

Practice note

Best Practice

EU Financial Services Outlook 2015

Over the next 12 months the transformation of the financial services industry is set to continue to accelerate. This paper sets out our view on some of the key challenges for firms in 2015 across three key areas: Regulatory Change; Digital Transformation; Business Optimisation.

Multi-channel Banking

Video Reference

BNP Paribas Fortis launches new iPad app with Reply

BNP Paribas Fortis chose Reply to develop a new iPad app for its sales network, that financial advisors can use during sales conversations with their customers.

Practice note

Best Practice

Senior Managers Regime (SMR)

Due to a perception of endemic behavioural and cultural problems within the banking industry and repeated failings of current legislation to address these failings, a new Senior Managers Regime (SMR) is being introduced, with binding rules to be released in early 2015. The new rules will specifically address the perceived problem of accountability where an individual had greater scope to shirk responsibility. The lines of responsibility will now be much clearer, by removing ambiguity and confusion. There will also be much harsher penalties for non-compliance.

Mobile Payments

Case Study

Left cash at home? No problem!

The latest scenario developed by Reply that Banca Sella has chosen to extend its mobile-payments services by taking forward the experimental innovations begun with Up Mobile, is mobile POS. This acquiring solution exploits synergies between a smartphone or tablet and a PIN pad – a simple device that can read traditional payment cards.

Left cash at home? No problem! 0

Mobile Payments

Best Practice

Embracing the Bitcoin: why mobile operators should prepare for the digital currency shift

This white paper outlines the opportunity at a high level for mobile operators to innovate new services, increase revenues and develop new business lines based on Bitcoin and other key Digital Currencies currently available.

Business Performance Management

Best Practice

FINSIGHT: an application in support of financial planning

In order to effectively support management in the value-added creation, the Finance function must increasingly drive strategic issues aimed at guaranteeing the economic sustainability of business. To this end, thanks to its many years of experience in Business Performance Management, Reply Consulting has developed FINSIGHT, a financial planning application that can be integrated with Oracle Hyperion.

Practice note

Best Practice

Principles for effective Risk Data Aggregation and Risk Reporting

In January 2013, the Basel Committee on Banking Supervision (“BCBS”) issued a set of Principles to improve banks’ risk management practices, decision - making processes and resolvability. Firms designated as global systemically important banks (“G-SIBs”) are required to implement the Principles in full by the beginning of 2016. Like the BCBS, national regulators believe that the principles can be applied to a wider range of banks. This Practice Note looks into the implementation of the Principles to date not only in G-SIBs but also in medium-sized banks.


Best Practice

Put your Data at Work: Financial Services

It is time for insurers to get back their own customers data, capturing the driving data streaming from vehicles, to develop proprietary insights and to apply discount rates or more targeted and differentiated fees.

Put your Data at Work Financial Services 0

Practice note

Best Practice

Concrete Solutions for BCBS 239

In January 2013, the Basel Committee on Banking Supervision (“BCBS”) issued a set of Principles to improve banks’ risk management practices, decision-making processes and resolvability (BCBS 239). Following these new principles, Avantage Reply published a first Briefing Note, identifying quick wins to enable compliance with the Principles by January 2016.

23.09.2014 / Frankfurt am Main


Symposium 2014: New developments in Regulatory Reporting for banking

Xuccess Reply, in collaboration with Meridan Consulting, is organising Symposium 2014: New developments in Regulatory Reporting for banking. The event will be held in Frankfurt am Main on September 23, 2014.

Risk Data Aggregation & Reporting


Avantage Reply presents at Regulatory Summit on Risk Data Aggregation & Reporting (BCBS 239)

Avantage Reply presented its ‘Pragmatic guide to BCBS 239 compliance: Inventorise, Connect and Control” at the Regulatory Risk Summit in London (September 2014).

IOT for Banks

Best Practice

Back from The brink: Smart Beacons in Banks III

This third paper on Smart Beacons presents Reply's expertise in this domain, as well as two projects the Group has worked on which involve the use of Smart Beacon technologies.

Banking System Solidity

Best Practice

Capital adequacy, cost of the risk and profitability: during a crisis, a real puzzle for Banks

Source: Avantage Reply Observatory
Following the burst of the real estate bubble on the US sub-prime lending market and following the bankruptcy of Lehman Brothers, the worst economic crisis since 80 years has now passed through, and in some cases overcome, different stages, both from a real and from a financial point of view. In such a context, the banking industry is still facing several and complex challenges.

CRM and BI for Banks

Case Study

DAB Bank focuses on optimization in the CRM and BI upgrade

Especially in banking, BI solutions are important management tools that enable decision making and the preparation of marketing campaigns based on facts. DAB Bank chose Riverland Reply for upgrading Siebel Customer Relationship Management (Siebel CRM) with Computer Telephony Integration (CTI) as well as to integrate Oracle Business Intelligence 11g (OBI).

DAB Bank focuses on optimization in the CRM and BI upgrade 0

IOT for Banks

Best Practice

Back from the Brink: Smart Beacons in Banks II

This second paper provides detailed examples of how Smart Beacons are currently used and have the potential to be used in banks.

IOT for Banks

Best Practice

Back from the Brink: Smart Beacons in Banks

This first paper introduces the use of Smart Beacons within the Banking Sector. It posits that ‘Smart Beacons’ can help bank branches to transform customer experience and offer more personalised services.


News & Communication

Banco Popolare chooses Hi Credits and launches ’Youpay Mobile’

Banco Popolare chose Reply for setting up an application that allows the purchase of services on the move. The application, named "Youpay Mobile" is based on Hi credits, the mobile payments solution from Reply which enables innovative Remote and Proximity Payment services.