Capital Markets & IT - lakyara August 2023
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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German InsurTech is garnering growing interest. Historically conservative in terms of innovation, the German insurance industry now appears to be getting serious about revamping its distribution channels, utilizing InsurTech to collaborate better with agencies, brokers and other partners.
Conventions around residential mortgage lending/borrowing differ across geographies. Long-term fixed-rate mortgages are preferred in the US while ARMs are the norm in Japan. Such differences mean mortgage borrowers’ exposure to interest-rate risk differs internationally. In Japan, this risk may manifest once the BOJ embarks on a rate hike cycle.