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Expert views

Expert views

Dive into our Expert Views and discover our insight into the key issues that will be discussed at Sibos. This year’s Sibos theme, "Building for the Future," resonates with us and with our clients. There has never been a more exciting time for global transaction banking and securities services.

Yes, there are challenges, but there are also opportunities in abundance - made possible by exciting technologies that promise to transform financial institutions and the customer experience.

All Banking Stream Compliance Stream Multiple Streams Securities Stream Technology Stream
Platforms of The Future
Payments – diagram or list of all the different payments market infrastructures across Europe?
Securities Stream
Payments – diagram or list of all the different payments market infrastructures across Europe?
https://www.securities-services.societegenerale.com/en/insights/securities/platforms-future/
Future Trends in Sanctions – can automation, artificial intelligence and outsourcing resolve inefficiencies?
As political leaders discuss relaxing – or in some cases tightening – sanctions regimes, financial institutions are...
Compliance Stream
As political leaders discuss relaxing – or in some cases tightening – sanctions regimes, financial institutions are struggling under the weight of fragmented lists and requirements, outdated technology and millions of false positive alerts. New sanction regime structures that require an understanding of ownership structures and not just names on a list have...
https://www.securities-services.societegenerale.com/en/insights/compliance/future-trends-sactions/
Banking APIs – Marketing View
Highly popular as a means to create open environments and easy data sharing with consumers and businesses – APIs are now...
Banking Stream
Highly popular as a means to create open environments and easy data sharing with consumers and businesses – APIs are now everywhere. Also in Banking, APIs are being rolled out at high speed, and in some regions even promoted through local regulations such as PSD2. However, open Banking APIs are also clearing the field for new entrants. How will banks cope with...
https://www.securities-services.societegenerale.com/en/insights/banking/banking-apis-marketing-view/
Banking APIs – Technical View
Highly popular as a means to create open environments and easy data sharing with consumers and businesses – APIs are now...
Banking Stream
Highly popular as a means to create open environments and easy data sharing with consumers and businesses – APIs are now everywhere. Also in Banking, APIs are being rolled out at high speed, and in some regions even promoted through local regulations such as PSD2. However, open Banking APIs are also clearing the field for new entrants. How will banks cope...
https://www.securities-services.societegenerale.com/en/insights/banking/banking-apis-technical-view/
Does blockchain technology alleviate security concerns or create new challenges?
Put simply, a blockchain is a shared database providing a token manager and programmable transactions that can be...
Technology Stream
Put simply, a blockchain is a shared database providing a token manager and programmable transactions that can be updated securely by many different actors in a network. All changes made to the blockchain are logged, effectively leaving a complete audit trail of data.
https://www.securities-services.societegenerale.com/en/insights/technology/does-blockchain-technology-alleviate-security-concerns-create-new-challengese/
Are capital markets more secure than payments?
Capital markets, and the financial sector in general, are among the most attractive targets for cyber criminals,...
Securities Stream
Capital markets, and the financial sector in general, are among the most attractive targets for cyber criminals, particularly those who are seeking financial gain.
http://www.securities-services.societegenerale.com/en/insights/securities/are-capital-markets-more-secure-than-payments/
De-risking in trade finance – time to act
As financial authorities express concern about de-risking in correspondent banking, a similar phenomenon is emerging in...
Banking Stream
As financial authorities express concern about de-risking in correspondent banking, a similar phenomenon is emerging in trade finance, driven by the high costs of KYC compliance. There is a danger that some banks in some regions, such as Africa, will have difficulty connecting to the trade finance world. Banks need to collaborate to help corporate clients to...
https://www.securities-services.societegenerale.com/en/insights/banking/risking-trade-finance/
Blockchain and payments: Lessons learned and future prospects
The past 12 months have seen initiatives across the globe further experiment with blockchain technology in pursuit of...
Banking Stream
The past 12 months have seen initiatives across the globe further experiment with blockchain technology in pursuit of the holy grail of a production ready Distributed Ledger Technology (DLT) payments solution. Alongside FinTech initiatives, individual banks, central banks and SWIFT have confirmed their interest in DLT, testing the waters with various trials...
https://www.securities-services.societegenerale.com/en/insights/banking/blockchain-and-payments-lessons-learned-and-future-prospects/
API in financial services: the key to the future?
The financial industry is facing the biggest changes in decades. Having rapidly embraced online banking in the late...
Technology Stream
The financial industry is facing the biggest changes in decades. Having rapidly embraced online banking in the late 90s, the pace of digital innovation in relation to end customers has been sluggish - until now. There is a new window of opportunity to offer innovative solutions. How APIs could be the driver and enabler for the future?
https://www.securities-services.societegenerale.com/en/insights/technology/api-financial-services-the-key-the-future/
The retreat from globalisation: threats and opportunities for financial market infrastructures
Cross-border payments and securities transactions have grown sharply since the 1970s, as exchange controls were relaxed...
Multiple Streams
Cross-border payments and securities transactions have grown sharply since the 1970s, as exchange controls were relaxed and barriers to trade across borders were lowered. Financial market infrastructures (FMIs) have evolved in line with the growing volumes of cross-border activity. Much of this progress was dependent on official support, and often driven by...
https://www.securities-services.societegenerale.com/en/insights/banking/the-retreat-from-globalisation-threats-and-opportunities-for-financial-market-infrastructures/
Cyber security: trends and implications in financial services
Cyber-attacks continue to evolve and are becoming more frequent and widespread. Attackers are improving their tactics...
Technology Stream
Cyber-attacks continue to evolve and are becoming more frequent and widespread. Attackers are improving their tactics and techniques faster than security teams can keep up and their methods grow more sophisticated each year. What are the technological trends that define the threat and risk associated with cyber security and their implications for financial...
https://www.securities-services.societegenerale.com/en/insights/technology/cyber-security-trends-and-implications-financial-services/
Complementary or competitive? The role of payments market infrastructures and correspondent banks in instant international payments
Instant payment services are being developed by payment market infrastructures (PMIs) all over the world. Banks also see...
Multiple Streams
Instant payment services are being developed by payment market infrastructures (PMIs) all over the world. Banks also see real-time services from PMIs as an opportunity to develop new products. The benefits these domestic instant payments systems bring will also be felt in cross-border payments once the systems start to inter-operate.
https://www.securities-services.societegenerale.com/en/insights/banking/complementary-competitive-the-role-payments-market-infrastructures-and-correspondent-banks-instant-international-payments/
As the financial services industry and Fintechs work ever closer, where does that leave BigTech?
Collaboration between the financial services industry and FinTech ventures continues to gain traction, opening up...
Technology Stream
Collaboration between the financial services industry and FinTech ventures continues to gain traction, opening up exciting opportunities for both. The rapid progress being made in areas such as big data, artificial intelligence and machine learning is increasingly being seen as an opportunity rather than a disruptive threat. Working in partnership enables the...
https://www.securities-services.societegenerale.com/en/insights/technology/the-financial-services-industry-and-fintechs-work-ever-closer-where-does-that-leave-bigtech/
Fraud and cyber high alert: the new normal?
Cyber security is top of mind for industry executives, as high-profile security breaches continue to reverberate....
Compliance Stream
Cyber security is top of mind for industry executives, as high-profile security breaches continue to reverberate. SWIFT’s Customer Security Programme (CSP) has mobilised its members to take decisive action. What benefits are being gained from such collaboration? In an industry where robust safeguards at one institution can be undermined by weak security at...
http://www.securities-services.societegenerale.com/en/insights/compliance/fraud-and-cyber-high-alert-the-new-normale/
The state of global treasury – untangling the knots
As market conditions such as negative interest rates and the evolution of oil prices add uncertainty to global treasury...
Banking Stream
As market conditions such as negative interest rates and the evolution of oil prices add uncertainty to global treasury operations, corporates also face a myriad of geopolitical and operational uncertainties when considering their longer term strategy. The unclear impact of the new US administration on financing global treasury businesses, the unknown impact...
https://www.securities-services.societegenerale.com/en/insights/banking/state-global-treasury/
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