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.​​

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Offering

Service

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

Digital Transformation

Research

Trends in the US wealth management market

The US wealth management industry is undergoing significant transformation, meeting its challenges by leveraging technology. Financial advisory services are evolving from a traditional personal relationship approach to one of automation, emphasizing lower costs. New entrants are disrupting the market with innovative products and services, and established participants are adapting to the changes or losingmarket share. Assets are growing while the number of human financial advisors is shrinking. New operating models include discount and online brokerages and robo-advisors.​

Trends in the US wealth management market 0
Insurechain 0

Insurechain

Insurances: over the years, complexity and costs related to the management of insurance processes have undermined the profitability of companies and inhibited the distribution of innovative insurance products. A platform was developed which, by integrating with the Ethereum Blockchain, facilitates the setting and enforcement of smart contracts for travel insurance. Insurechain is a solution that facilitates the automation of premium calculations, the management of appraisals and the settlement of certain types of claims, ensuring end-user transparency.

07.04.2016 - 08.04.2016 / Rome

Event

Dimensione Cliente 2016

Reply takes part in Dimensione Cliente, the ABI institutional event on Retail dedicated to the relationship between the Bank and the Retail Customer, now in its tenth edition. Reply holds the speech "Millenials and Banks: “disintermediation” risk or incentive to innovate the sector?".

Financial Platform

Site

DEFINIO REPLY™

Definio Reply™ is an integrated platform capable of addressing the needs of management, analysis, reporting and logging of financial assets. The target customers of the Definio Reply™ solution have as their objective the active management and monitoring of financial portfolios.​

The integration of the financial database with the asset database makes Definio Reply™ a viable and complete alternative to vertical portals. ​

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DEFINIO REPLY™ 0

Crowdfunding

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

04.02.2016 / FX-MM

Press Article

Blockchain: Transforming correspondent banking

Blockchain technology’s potential in changing the banking processes has created a dilemma for financial institutions uncertain of how best to use the exciting new technology. The article is focusing on the aspects that will be positively affected by the adoption of the Blockchain technology. The feature displays the voice of the most prominent experts of the field, including Fausto Jori, Partner at e*finance consulting Reply​.​

CRM for Stock Exchange

Case Study

Best Customer Service

Syskoplan Reply developed a consistent Customer Relationship Management solution for Deutsche Börse. SAP CRM standard software was refined to create a solution specially tailored to the needs of Deutsche Börse that optimally supports the business processes for the specialised areas.

Best Customer Service 0

07.11.2015 - 08.11.2015 / Milan

Event

Appathon 2015

Reply supports UniCredit for Appathon 2015, a 24 hour hackathon dedicated to App Developer, a Web Designer or a Marketing Specialist with the aim of developing a mobile app for financial services. The event is held on November 7th-8th, 2015 at the UniCredit Pavilion in Milan.

Digital Transformation

Case Study

Helvetia Austria: more productivity through digitization

The Austrian Helvetia Versicherungen AG has extensively digitized their case processes. Whether by post, fax or e–mail - the upstream post scanning, electronic files and mailboxes enable identical processing regardless of media. The transformation was completed in a two-year project based on the Macros eWorkplace software. The special procedure followed by Helvetia for tendering and implementation is to be regarded as best practice.

Helvetia Austria more productivity through digitization 0

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

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!

CRM for Finance

Case Study

"Enabling the order flow" at DEUTSCHE Börse

Implementation of marketing campaign management and stock exchange specific business partner structures; significant involvement in coordinating development and in realizing functional extensions and system integration have been realised by Reply.

29.09.2015 / Milan

Event

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.

Insurance

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

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) 8.1.1.7 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

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

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.

Mobile App

Case Study

Regulate Accident Cases via iPhone App

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.

Regulate Accident Cases via iPhone App 0

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.

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

Event

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

Presentation

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.

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.

10.06.2014

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.

Online Banking

Case Study

"Digital Branch" for norisbank

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.

Brand Engagement

Case Study

Employees advocate Nationwide’s transformation journey

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.

Wealth Management

Best Practice

Savings management for optimum results

Reply supplies a complete package of system and personalisation services to help achieve a change programme’s overall objectives. Reply’s team of specialists assists customers throughout the project’s implementation, handling all stages of the work from design through to implementation and system maintenance.

Threat Intelligence Services

Best Practice

Underground Security Intelligence for Financial Institutions

Within Financial Sector, Online Banking and Spam Frauds have the most impact for the end user, generating a significant brand damage for the Financial Institution.​

Retail Banking

Research

The Integrated multichannel observatory

The Integrated Multichannel Observatory for retail banking was launched in 2009 to monitor 30 of the main traditional and direct banks. It compares the services they offer across the various channels (web, smartphones, tablets, ATMs, contact centres, and smart TV), their cross-channel marketing campaigns, and their products and services, with a special focus on innovation in technology, processes and communication.

OMNICHANNEL

Best Practice

THE FINANCIAL INSTITUTIONS' DIGITAL TRANFORMATION

Moving to an “omni-channel” strategy means understanding that what customers see is not several different channels but a single company that they can contact in different contexts in different ways, according to need. It also implies an integrated approach to all the customer-contact touchpoints both at a commercial level and from a technical and organisational standpoint.

GRC SERVICES

Best Practice

Overcome complex challenges in the after crisis market

Following the burst sub-prime lending market and following the bankruptcy of Lehman Brothers, the worst economic crisis since 80 years has now passed through. In such a context, the banking industry is still facing several and complex challenges and issues.​

Mobile Payments

Site

Pay Reply

The increasing use of smartphones and mobile commerce services has led to exceptional growth in the demand for remote and proximity payment services. Pay Reply is Reply's centre of expertise, specialising in consultancy services and technology platforms for mobile payments. ​

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Mobile

Best Practice

Insurance for a digital world

The digital revolution has radically altered consumer habits and profiles in all economic sectors, not least in insurance.