Capital Markets & IT - lakyara April 2015
Financial institutions are under constant pressure to reduce costs, improve operational efficiency, adapt to regulatory changes and grow their business. NRI believes that a combination financial knowledge and information technology are crucial to the industry’s growth and development.
Through our lakyara reports, NRI identifies the various capital markets and IT issues impacting our clients and the future of their business.
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Card-linked offers (CLOs), widely used by US financial institutions, are starting to emerge in Japan also. CLOs are merchants' promotional offers targeted at specific cardholders in response to their credit or debit card transaction histories. We recently conducted a CLO test in collaboration with two major credit card companies. Our test Masanori Miyai confirmed CLOs' effectiveness.
Asset management companies need to redesign their organizations in response to changes in their business environment
The Japanese asset management industry faces big changes in its business environment, including business model reforms by investment trust distributors and growth in public pension funds' in-house expertise. In response to such changes, asset management companies need to boldly reorganize themselves and revamp their investment processes.