Reply is the place to meet an incredible variety of enthusiastic, passionate, ideas-driven people, who want to make a difference and an impact.Would you like to know more?
A range of industry-focused solutions that help organisations review and enhance the effectiveness of their risk management and financial performance measurement capabilities.
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
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.
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.
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.
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.
Avantage Reply, together with the Dutch Banking Association (NVB), will organise an industry debate luncheon around BCBS 239 Risk Data Aggregation, on
18th December, commencing at 12:30, at the
NVB offices in Amsterdam.
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.
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.
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.
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.
Avantage Reply presented its ‘Pragmatic guide to BCBS 239 compliance: Inventorise, Connect and Control” at the Regulatory Risk Summit in London (September 2014).
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) 184.108.40.206 with Computer Telephony Integration (CTI) as well as to integrate Oracle Business Intelligence 11g (OBI).
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.
Source: Avantage Reply ObservatoryFollowing 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.
This second paper provides detailed examples of how Smart Beacons are currently used and have the potential to be used in banks.
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.
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.
The direct automobile insurer Direct Line offers motorists a iPhone App, which in the event of an accident, enables them to quickly forward all important information to their insurer without complications and to search for a repair shop.
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.
The norisbank from Berlin, a daughter company of Deutsche Bank, decided to close its branch network and wanted to newly position its brand as a pure online bank. The goal was to build the online channel further and create a "digital branch" for the customer. Reply deployed the creative implementation of the new positioning as online bank.
Reply worked alongside the Nationwide Internal Communications team to help bring to life their exciting Transformation Journey and communicate the key benefits in a simple and visually Engaging way.