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Regulatory Compliance and RegTech: Opportunities Abound in 2019

February, 2019

Modern Banking Platform

The 2018 Corporate Payments & Bank Connectivity Report

2018 Corporate Liquidity Receivables Market Report: Modernization of Credit and Collections - From Legacy to Revolutionary

Grow Your Business by Leveraging Data Aggregation

eBook: 4 Critical Questions Every Retirement Plan Provider Should Ask When Defining its Growth Strategy

Leveraging a Testing Methodology to Ensure High Quality Banking APIs

Ensuring Security with Open APIs

Three Key Business Outcomes for Managing Your Wealth Services

Adding security to cash sweep without sacrificing liquidity or yield

The API Developer Experience Enabling Rapid Integration

The Benefits of Open APIs Enabling Rapid Integration

2019 Financial Services Trends and Predictions

Artificial Intelligence (AI)

Trends in Banking Modernization 2017-2018

Banking On The Branch Of The Future

Cloud-Enabled Core Banking

Collaborating for Success in the Age of Disruption

Conversational Banking

Targeted Core Banking Modernization

Customer Communications

Deeper Digitization

Five Facts About Direct Banks Every Financial Institution Needs to Know

Getting to Grips with Brexit Uncertainty

Responding to External Threats: Is it Time for Platform Banking?

How Commercial Banks Can Become Readiness Leaders

Whitepaper: Delivering a Consolidated Offering to SMBs

The needs of small-business customers are evolving, and traditional ways of serving them are no longer effective. A growing comfort with technology and financial applications within their personal lives is driving small-business expectations for similar user experiences and capabilities to power their business banking.

Why Improve Business Processes at Your Bank

Technology and Humans: The New Conversation in Corporate Actions

Corporate actions don’t lend themselves to automation. Some of the events are quite complex and require a human to understand the impact –potential entitlements, exposure to customers’ accounts, whether you can partake or not.

Boutique Asset Managers Adapt and Grow in a Turbulent Environment

Today’s volatile, turbulent market is driving boutique asset managers to examine technology that will enable smarter performance and transform investment decision making.

Building Relationships, Gaining Trust in a Credit and Collections Shared Service Center

Much of the value of technology used by shared service centers is determined by the degree to which it enables process automation and efficiency.

FIS Named Top Category Leader in Chartis’ Energy Trading Risk Management Systems 2017

FIS has been named the top category leader in Chartis’ Energy Trading Risk Management Systems 2017.

Four Questions You Must Ask to Manage Your Business Under IFRS 17

Like Solvency II before it, IFRS 17 will create a more complex reporting regime for insurance practitioners.

Five Private Equity Resolutions for 2017

New Year’s resolutions represent an opportunity to review areas where we can improve and then plan to make ourselves the best we can over the course of the year.

Changing Credit and Collections Shared Service Center Strategies

A large majority of multinational corporations have financial shared service centers but their objectives and the way that they operate continue to change as these functions mature.

FIS Introduces an Intraday Power Trading App in SaaS

European power markets have seen significant price and volume volatility as well as negative power prices regularly due to inflexible power sources that can’t be shut down and restarted efficiently as well as an increase in renewable power generation that can’t be forecasted easily.

Treasury Management Compliance in a New Regulatory Era

Regulatory risk is an ever-present, ever-changing part of risk management. Since 2008, however, we have seen a steep change in regulatory scrutiny as well as the costs and risks associated with non-compliance.

Building Relationships, Gaining Trust in a Credit and Collections Shared Service Center

Much of the value of technology used by shared service centers is determined by the degree to which it enables process automation and efficiency.

Treasurers Add Cybersecurity Risk to Their Priority List

The old adage “fool me once” rings especially true for treasury professionals facing the ever-growing risks of fraud and cybersecurity threats.

The “Lite” Side of Disruption for Fund Administration

Technology disruption is a hot and headline-grabbing topic for the asset management industry.

Optimizing a credit and collections shared service center with specialized technology

As expectations grow for shared service centers, best-in-class technology is needed to keep pace.

Three Reasons You Should Upgrade Your Private Equity Software

There are some things in this world that get better with age. Wine, whisky and leather all come to mind.

How much value does your credit and collections shared service center add?

Cost efficiency to working capital optimization, seventy percent of companies are satisfied or very satisfied that their shared service center has allowed them to achieve their objectives, according to a recent FIS survey.

Go Digital – It’s the Healthcare Consumer Way or the Highway

The digital revolution has changed consumer behavior irrevocably in virtually every way.

Three Trends in Intraday Power Trading in Europe

The rapid move to renewable generation continues to drive intraday power trading in European markets.

Play by Finances Rules for Data and Raise Your Actuarial Game

As an accounting regulation, IFRS 17 demands unprecedented levels of connectivity and collaboration between insurers’ actuarial and finance departments, especially in the way they manage their data.

FIS Ranked Best Overall ETRM Platform in Energy Risk Software Rankings 2017

FIS was named the best overall ETRM platform in the Energy Risk Software Rankings 2017, one of the most comprehensive industry surveys of energy trading risk management vendors, implementation specialists, data vendors and data managers.

Ride the Digital Waves to a Successful Healthcare Transformation

Today’s consumers expect an increasingly digital experience from healthcare insurers.

Don’t Be a Ripple: Why Asset Managers Should Invest in Reinvention

At the rate the entire asset management industry is changing, the idea of a “traditional” asset manager may be only a memory in the not-so-distant future.

Six reasons why your credit risk is not what you think

With the receivables portfolio being the largest asset on many corporations’ balance sheets, credit risk is one of the most important risks to be managed.

The Two Kinds of Relationships Private Equity Firms Need to Stay Competitive

When we set out to survey the global private equity sector in 2016, we focused on technology – how firms we’re using it, how they plan to invest in it, where they see the value in it, etc.

Faster Payments Refresh the Parts Regulation Can’t Reach

There’s nothing like a new regulation to get banks thinking about their processes. But while compliance may be an initial catalyst for change, it’s not always enough to drive a wholesale, strategic transformation.

How Wealth Managers and Private Banks Can Make Sense of MiFID II

FIS’ Suman recommends focusing on three points to make sense of MiFID II: inducement, suitability and appropriateness, and governance.

How to break the DSO deadlock

Collections models are largely the same today as a century ago.

What do Donald Trump, Robots and Same Day Payments Have in Common?

It’s no joke: faster payments, artificial intelligence (AI) and the new president are all causing a stir among U.S. banks – and together, creating a melting pot of opportunities.

Is your credit and collections team having a crisis of confidence?

According to FIS’ 2017 Credit & Collections Market Study, only 12 percent of credit and collections professionals believe that their performance is above the industry average, and a striking 32 percent have no idea.

Can Squeezed Transfer Agency Services Really Deliver “Business as Usual"?

As another global custodian sells off its stake in a transfer agency service, clients have been told to expect “business as usual”.

Ready or Not – Which Type of IFRS 17 Implementer Are You?

After talking to countless clients around the world about IFRS 17, I’ve noticed four distinct styles of preparedness for implementing the new accounting standard by the start of 2021.

Five Steps to Capturing the Middle-Office Market

Asset managers continue to look for support roles they can offload from their fund administrators in order to cut costs.

Why Modern Reconciliation Solutions Are an Easy Pill to Swallow

Does your reconciliation solution look like it was built in the 1980s, all green screens and grey boxes?

Are Capital Markets Utilities a Free Fintech Lunch?

As the pace of innovation increases and the “next” Industrial Revolution awaits us, capital markets firms must explore which fintech to evaluate, invest in, ignore, or delegate to their service providers.

Automation Matters under IFRS 17

Though automation and workflow improvements have long been on the insurers’ “to-do list”, they are often kept aside for a time when work eases off.

A Fireside Chat with ComTech Advisory About ETRM Systems: Build, Buy or Subscribe

We invited Patrick Reames, managing partner of Commodity Technology Advisory (ComTech), the leading analyst firm in the ETRM/CTRM markets, to discuss current trends and issues related to energy companies’ decisions to build, buy or acquire SaaS ETRM solutions.

How Active Asset Managers are Proving Their Worth

For years now, commentators and consultants have criticized the fee structure of active funds as excessive.

Can Convertible Bonds Give You the Edge?

Half-bond, half-equity, convertible bonds are notoriously difficult to trade and model.

The History of Banking

The American financial system has taken many forms since its inception in the pre-Revolution colonies.

Hedge Funds are at an Operational Fork in the Road

With pressure on fees and increasing competition, hedge funds have no choice but to increase the efficiency of their operations. But how should they achieve this?

Taking a Risk-adjusted Approach to Funds Transfer Pricing

Liquidity and interest rate risk are the primary focuses of a bank treasury/ALM function, and your investment and borrowing portfolios are your largest tools for to manage them.

Turn MiFID II to Your Advantage

There are many regulations affecting the sell side, but I’d argue that MiFID II is the most significant for anyone in the trading business.

Treasury in the Cloud: Practical Drivers

The term cloud, generally used to describe any variety of web-based technology that is hosted by a third party, has been a steadily growing topic of conversation within the financial industry over the past several years.

Tap into the Human Side of Healthcare with Robotic Automation

The robots may be coming for healthcare insurance. But rather than replacing people, they will set us free to strengthen relationships, improve interactions and create a better, more human experience, both internally and externally.

Will IFRS 17 Make or Break Insurance Operations?

Like Solvency II before it, the new International Financial Reporting Standard for insurance contracts (IFRS 17) is set to increase pressure on insurers’ systems and processes.

Seven Good Reasons to Welcome IFRS 17

With concerns over costs and a perceived lack of benefits among some insurers, there’s a prevailing mood of doom and gloom about IFRS 17.

Treasury in the Cloud: Mitigating Cyber Risk

Cyber-attacks have become all too common over the past several years.

Energy and Commodity Traders: Are Tight Margins Driving Your Need for More Data?

The never-ending pursuit of alpha in energy and commodity markets these days has driven many utilities, oil and gas firms, corporates, FCMs and hedge funds to widen their data horizons.

Five Modern Objectives for Annuity Providers

From economic uncertainty to new regulatory requirements, U.S. annuity providers must manage a range of modern challenges.

Beyond the Cloud – Next-Generation Treasury Technology

Cloud adoption rates are on the rise. But apart from cloud, which is often associated with the modernization of treasury technology, what are the other forms of innovation in store for treasury?

What Does the Federal Reserve’s Faster Payments Task Force Faster Payments Report Mean for Corporate Treasurers?

Now that the Federal Reserve’s Faster Payments Task Force has made its final report available, it is appropriate to reflect on what Faster Payments or Real-Time Payments will bring to corporate treasury departments.

The Added Value of Automation for Appeals and Grievances Processes

The appeals and grievances process is highly regulated, scrutinized and monitored, so it is critical for healthcare payers to manage it efficiently from end to end.

What Defines a Cloud and What Does it All Mean for Securities Finance and Collateral?

A cloud solution can be a variation of many things; understanding its subtlety and definition is key. In his blog, FIS’ David Selwood puts cloud solutions into context.

FIS Introduces a Commercial Pipeline Operations Management SaaS App for Midstream Operators

The increasing global demand for natural gas and expanding infrastructure and capacity will require natural gas pipeline operators to look for innovative ways to manage their commercial pipeline operations more efficiently.

Five Areas to Drive Connectivity with Insurance Investment Managers

Insurers’ actuarial and investment teams often work in silos, and have little in common when it comes to professional vocabulary.

Research Reveals Asset Managers Must be Ready for Reinvention

White paper based on global research and the FIS Readiness Index, FIS explores why asset managers must embrace reinvention to close the growth readiness gap and rise to the future.

Achieving Business Goals with the FIS Securities Processing Suite

perspective on some of the issues facing FIS’ clients and prospects today and how the Securities Processing Suite can help them solve their business goals and industry initiatives

Annual Global Payments Study Reveals Corporate Payment Challenges

Visibility over cash flows, balances and exposures, and strong, systematic controls within key functions and processes is fundamental to corporate treasury.

Reduce Dispute Resolution Cycle Time with Intelligent OCR

All corporations are faced with some level of receivable dispute management. For many companies, managing and quantifying deductions, disputes, chargebacks and claims is difficult.

How Does Your Trading Technology Rank Against Your Competitors?

Jonny Moore, head of convertible strategy at FIS, discusses the complexities of today’s convertible trading market and the opportunities created by the latest data and technology developments.

Increase Sales with Automated Cash Application

Customer relationships are paramount in today’s ever-changing environment. The ease with which customers can locate and switch suppliers, even for strategic direct materials, is driving a cultural change within all parts of an organization.

Three Elements of Data Governance Alternative Asset Managers Need to Master

Data governance isn’t typically thought of as the coolest discipline within the alternative asset industry. That’s OK – the data doesn’t mind.

Blockchain and its Potential Impact on Corporate Treasury: Part I

Over the last few years, there has been a steadily increasing interest in blockchain technology. This interest was initially focused very much on bitcoin, the cryptocurrency that still gains as much attention for its increasing value and links to cybercrime as it does for its technical underpinning.

Blockchain and its Potential Impact on Corporate Treasury: Part II

While perhaps not a direct concern for all corporate treasurers, improvements in the Trade Finance space, brought about by blockchain, could help in the areas of cash flow certainty.

Risk Market Outlook 2018 – Time to Re-examine Risk?

After almost a decade of weak inflation and low or even negative interest rates, some of the world’s central banks are actively pursuing a return to conventional monetary policy.

At Any Rate – Are You Up to Speed with the Filing Exempt Rule?

As the filing exempt rule for securities valuation continues to evolve, can insurers’ current calculation and reporting processes handle the pressure?

Can Your Systems Handle the Medicare Beneficiary Identifier?

In the ongoing fight against health insurance fraud, a new randomly generated Medicare Beneficiary Identifier (MBI) has replaced the Health Insurance Claim Number (HICN) on Medicare cards for more than 5.7 million Americans.

CAT Deadline: Just Another Scratch on the Wall?

Read FIS’ latest blog post regarding the new Consolidated Audit Trail (CAT) deadline, now set at November 2019, for reporting U.S. equities data to the SEC.

Digital Treasury Defined

Digital treasury technology will soon become critical for treasury departments to achieve stability, efficiency, and security.

Driving Change in Commercial Lending

You may not realize it, but the same technology that’s disrupting retail banking is also reshaping commercial and corporate lending.

Enhance Your Factor-based Investment Capabilities

As institutional investors make wider use of factor-based portfolio strategies, it is critical for investment risk management technology to provide the most flexible factor capabilities.

FIS and Conning Collaboration

Integrating GEMS Economic Scenario Generation and Prophet Actuarial Modelling.

Ready or Not?

Based on the latest FIS Readiness Report, 35 percent of firms interviewed aren’t confident they can support growth from a technology functionality perspective. Are you?

Four Steps to Bridging the Actuarial and Finance Divide under IFRS 17

With actuarial calculations at the core of IFRS 17’s accounting requirements for insurance contracts, how can actuaries and finance teams close the gap between their traditionally disparate functions to achieve compliance?

Get Data in Shape to Keep Up with Complex Portfolios

With more data to gather and validate at an increasingly rapid rate, fund administrators need faster reconciliation processes to support complex portfolios.

Internet of Things Will Create New Efficiencies in Auto and Equipment Finance

Imagine being able to control all of the valuable assets you own. Those seen and rarely seen.

Planning for Success in the New Era of Payments – The Need for a 360-degree Vision

The global payments landscape is experiencing its greatest transformation since the dawn of electronic payments.

Shifting the Burden of Regulation

Financial institutions’ regulatory costs could more than double over the next five years, according to a survey by professional services firm Duff & Phelps.

The Transatlantic Challenge: Getting a Handle on Trade Data

The CAT/EMIR/MiFIR/MiFID II challenge in the U.S. and Europe has placed an onerous burden on firms to collect, aggregate and report on an unprecedented amount of trade data. Where do they start?

Three Ways to Overcome Legacy Core System Constraints

If your core banking system is decades old, you’ll know that the proliferation of channels and the rise of digital banking have added further stress to an already-overburdened platform.

Transparent Is the New Black for Fund Servicers

When it comes to processing and reporting on fund data, it’s high time for administrators and servicers to think outside the “black box”.

What a Delay to IFRS 17 Means for Insurers

Over recent months, there has been growing pressure on the International Accounting Standards Board (IASB) to push back the introduction of the IFRS 17 accounting standard for insurance contracts.

Modernizing Treasury in the Cloud

Technology modernization is a hot topic across many industries and organization types.

Save Time and Resources by Moving Credit and Collections into the Cloud

Everyone has heard about doing business in the cloud, but few truly understand the benefits that they can achieve.

Do More with Less – Robotic Process Automation

Robotic Process Automation (RPA) can be used by credit and collection professionals across their entire credit-to-cash process to relieve them of the more mundane tasks.

Refocus Your Team with Robotic Process Automation

This blog examines how robotic process automation can be leveraged across the full order-to-cash process in multiple ways.

Partnership Ecosystem Vital for Treasurers

This FIS blog post explores the role treasurers play in the development and maintenance of technology partnerships.

Should You Use Artificial Intelligence in the Credit Review Process?

Find out how credit and collections team can capitalize on artificial intelligence in the credit review process by reading FIS’ latest blog post.

Manual Bank Fee Analysis Processes Lead to High Costs

A recent market report from FIS found that two-thirds of respondents did not have a tool to help analyze their account analysis statements, opening them up to higher costs.

FIS Study Reveals that Corporations are at Risk of Fraud with Manual Bank Account Management Processes

Bank Account Management Report: Complex, Manual Processes Leading to Increased Payment Fraud Risks and High Costs – FIS’ latest market report – revealed that companies are at risk of fraud with manual bank account management processes.

Leverage Artificial Intelligence to Drive Risk-based Collections

Introducing an artificial intelligence review that scores the risk of every customer within a portfolio into your credit and collections processes can have a dramatic impact.

A New Wave of Fragmentation

MiFID II introduced a raft of new regulation into equities trading, much of which extended the original MIFID directives and was designed to bring liquidity from the dark into the light, with an aim to provide better pre-trade transparency in the market.

Biggest Challenges Facing Buy-side Collateral Managers

Collateral managers in buy-side firms are facing unprecedented challenges from a wave of regulatory and market changes.

Can AI Save the Sell Side?

Artificial intelligence (AI) isn’t new to the sell side, but it is largely restricted to helping firms make decisions in reaction to events. Firms that can extend their use of AI to predictive analytics to anticipate market events and customers decisions could set themselves apart in a hyper-competitive market.

Electronification: The End of Sales as We Know It?

MiFID II came into effect on January 3, 2018, and we are already starting to see some short-term effects.

How Private Equity Accounting Teams Can Work Smarter and Minimize Errors

Eliminating errors and saving time are the top goals of every private equity accounting team. Of course, your technology needs to be flexible, scalable and future-ready to accomplish this.

IFRS 17 – An Insider’s Guide to Solution Development

In May 2017, the International Accounting Standards Board (IASB) published the definitive version of IFRS 17, the new international accounting standard for insurance contracts.

2018 Outlook: Key Trends to Watch for European Energy and Commodities Markets

To a large degree, 2018 is likely to be a simple continuation of the previous few years, as renewables of all forms continue to gain generation share, coal and other dirty fuels are increasingly phased out, and natural gas continues to make something of a resurgence as a generation fuel.

Look to the Cloud for a Complete Solution to IFRS 17

There are many reasons to move your insurance risk management systems to the cloud. Most obviously, it offers potential to save both time and costs, by concentrating resources on key calculations in the main reporting periods.

Margin and What-if

Traditionally found in the dusty corridors of back-office systems, margin is increasingly moving out of the shadows into the spotlight.

MiFID II is a Marathon, Not a Sprint

Any marathon runner will tell you that the key to a strong race is training. The more seriously you take your training, the better position you’ll be in to beat your personal best or finish ahead of the pack.

Pin the Tail on the CAT: A Compliance Officer’s View of SEC Rule 613

Read the interview with Greg Pratnicki, Chief Compliance Officer, FIS Brokerage & Securities Services LLC, Member NYSE, FINRA, SIPC on SEC Rule 613. He discusses how compliance officers at broker-dealers are preparing for CAT.

Reducing Risk in Margin Call Processing

Most accounts have multiple relationships within the organization, and it’s not uncommon to have multiple margin movements with the same client/entity over different products/currencies or regulatory categories.

From Prophets to Profits: Technology’s Role in European Energy Future

There’s a new report in the works that European energy traders would do well to investigate. It provides a neat summary of some of the industry’s most pressing predictions, along with a recap of what can be done about it given the equally prescient predictions surrounding digital technologies.

The Fight for Talent

Banks are competing with big tech for the best talent, so IT managers need to be thinking about what is exciting and differentiating work for this talent.

The Inside Secret: What Made 13% of Large Broker-dealers Jump on CAT?

Recent conversations concerning the impending Consolidated Audit Trail (CAT) legislation have revealed some interesting insights into why a small percentage of large broker-dealers are well on their way to having compliance systems in place to manage their reporting obligations.

The New Democratization of Market Data

When a major global investment bank piloted an initiative to swap many of its legacy, expensive market data terminals with more flexible, cost-effective MarketMap terminals , we suspected something was afoot.

The Newest Odd Couple: Securities Finance and Collateral Management

Twenty years ago, when I worked on a fixed income repo desk, no one even spoke to the securities lenders who did equities.

The Wrong Way to Use Robotics in Asset Management

Asset managers, both traditional and alternative, shouldn’t invest in robotics until they have considered the implications.

Why BPaaS Could Be a Path to Growth for Alternatives

Growth-ready alternative funds are looking to cost-effective, flexible business process as a service (BPaaS) offerings to lighten their back-office burdens.

Why Insurers Should Welcome Robots with Open Arms

The robots may be coming for insurance companies. But I’d say that’s good news all around, with positive implications for both back-office and customer-facing operations.

Why SaaS Is a No-Brainer for Investment Operations

There’s a reason why asset managers are increasingly looking to FIS’ InvestOne software-as-a-service (SaaS) solution to be the foundation of their investment operations: lower TCO.

FIS Report Says North American Energy Next Up for Digital Disruption

FIS’ latest report cites disruptive technologies bound to impact North American energy markets and how industry participants might best prepare.

How Hedge Funds Can Capture Their Share of $3.2 Trillion

For a hedge fund looking to boost competitiveness and focus resources on delivering alpha, and serving clients, there’s an ideal model of operations: business process as-a-service.

Thrive Offshore with Streamlined Systems

As offshore portfolios become more diverse in the search for alpha, how can investment operations stay streamlined but ready for growth?

Disruptive Technologies, Business Model Innovation Shape European Energy Future

This blog summarizes the new FIS report outlining changes in European energy markets and how technology disruption and business model innovation can effectively drive profits and progress.

How Connected Technology Can Connect You to Growth in the Private Markets

With FIS’ Private Markets Suite, we have opened opportunities for fund managers to provide investors a level of detail in reporting like never before – and that is simply not possible without seamlessly integrating best-of-breed solutions.

Coming Up – Powerful Insights on Digital Disruption in the Energy Sector

Upcoming FIS report explores potentially disruptive technologies that could forever change the gas and power market in North America.

Reflections on the Path to MiFID II

Looking back at MiFID II’s development, there were numerous delays between the European Securities and Markets Authority (ESMA) and the industry. Could those have been avoided or were they inevitable?

Simplifying Treasury Technology Selection

Across industries and geographies, demand for specialized treasury technology and treasury management systems is higher than ever.

How AI Will Change Commercial Lending – With Careful Human Supervision

Over the next five years, AI is set to transform commercial lending and play a key new role in decision-making – but under the watchful eye of human beings.

Artificial Intelligence: Driving Cash Flow Improvements Across the Credit-to-cash Cycle

Implementing AI across credit-to-cash will improve collections, credit risk, dispute resolution and cash application in addition to increasing increase cash flow.

As Payment Channels Converge, What’s the Payment Integrity Payoff?

A centralized approach to validating payments helps meet settlement and funding requirements, resolve errors rapidly 24/7 and make payment integrity pay off.

Cross-border Payments on Track with SWIFT gpi

SWIFT global payments innovation (gpi) is on the rise, with 46 percent of corporates planning to adopt it for faster cross-border payments, according to FIS.

How Are APIs Reversing the Dynamics of the Bank-to-Corporate Relationship?

The combination of real-time payments and collections, and dynamic connectivity via APIs, is a powerful catalyst for cash and liquidity transformation, particularly as opportunities for real-time liquidity management emerge.

Modernizing Collections Risk – A Revolutionary Twist on Productivity Measures

The first step in modernizing the collections process is instituting a risk score to prioritize collection efforts.

Treasurers Prepare for LIBOR Replacement – Part I

How will corporate treasurers be impacted by the UK’s Financial Conduct Authority announcement that as of 2021 it will no longer look to banks to supply Interbank borrowing rates which contribute to the calculation and publishing of LIBOR?

Treasurers Prepare for LIBOR Replacement – Part II

With the deprecation of LIBOR, corporate treasurers are faced with an uncertain future about how deals which would traditionally reference LIBOR are struck and what to do about deals which currently reference LIBOR.

How AI Will Change Commercial Lending – With Careful Human Supervision

Over the next five years, AI is set to transform commercial lending and play a key new role in decision-making – but under the watchful eye of human beings.

Accelerate Payments in your Credit and Collections Solution with Pre-Integrated Merchant Accounts

Many challenges prevent collection teams from achieving a 100 percent current accounts receivable metric

LDTI – A Chance to Reimagine the Traditional Life Insurance Business?

More than just a new reporting requirement, LDTI for traditional life business gives insurers a chance to understand their business like never before.

CAT Deadline Update: Don’t Run Out of Lives

FIS’ new blog post spells out the urgency behind the SEC’s April 2020 CAT deadline and offers the best next steps for avoiding significant penalties.

Defending Corporations against Payment Fraud

Implementing AI in any area will help improve results. However, Implementing AI across credit-to-cash will improve collections, credit risk, dispute resolution and cash application in addition to increasing increase cash flow. It will help your team uncover the incremental improvements that are sustainable over the long term.

Discover a New Way to Explore Information – Don’t Let Data Be a Hidden Asset

In the drive to transform data into actionable insight, learn how innovative technology can strengthen data management to reveal hidden meaning.

Get Risk Right at Every Level

Sophisticated risk metrics are no longer the sole preserve of top-tier banks. Thanks to an innovative new style of service model, organizations of all sizes can now support highly complex calculations without breaking the budget.

Leave Manual Cash Application Processes Behind and Achieve 90 Percent Hit Rates

Companies are leaving manual cash application processes behind with cash application solutions that use artificial intelligence with Accelerate Machine Learning.

The Intuitive, Informative IBOR

For asset managers and investment operations professionals, it has never been simpler to create and run a perpetual IBOR.

Modernizing Credit-to-Cash in a SaaS Environment

Credit and collections solutions in a SaaS environment help companies reduce total cost of ownership, leverage secure environments and receive automatic upgrades.

Why are collateral operations managers so focused on initial margin?

If you work in collateral operations at a bank, asset manager or insurer, Initial Margin (IM) for uncleared OTC derivatives is going to hit you soon.

Is Your Financial Close Open to Innovation?

As the process of closing the books continues to rely on legacy technology and manual tasks, it’s time to open the close to more innovative approaches.

Corporate Treasurers in the Benelux Region Seeking to Modernize Technology

Zanders and FIS have taken the pulse of the corporate treasury market in the Benelux region about their plans around new and rapidly changing technology, which offers stronger functionality and opportunities for treasurers.

Banking Modernization: Is It A Communication Breakdown?

The famous line "What we've got here is failure to communicate" from Cool Hand Luke (1967) serves as a warning shot in the current blitzkrieg of Digital Transformation for banks.

Model Behavior – Make Best Practice Pay Off for Payment Integrity

Retail and enterprise payment processes vary widely, but reconciliation models let you capitalize on commonalities for the ultimate payment integrity payoff.

Mind the Gap with a Dedicated IFRS 17 Subledger

By directly integrating an IFRS 17 subledger with an actuarial modeling platform, insurers can bridge the gap between actuarial and finance systems – and more easily report, disclose and analyze results.

The Devil is in the Details

After a long and protracted process, with multiple layers of consultation and review, the European Commission and Parliament have reached a decision.

Employing Technology to Its Full Potential

Article by David Lewis, FIS, discusses how to employ the latest financial services technology to its full potential.

Is Your Asset Finance Technology Vendor Holding You Hostage?

Rather than keeping asset finance firms happy, many technology vendors seem content to hold clients hostage with inflexible systems and contracts.

The Future of SPAN – Is CME an Inertial Force?

Latest FIS blog post discusses the CME depreciation of SPAN and the impacts.

Put an End to Costly Index Licensing

New, All-in-one Tool for Real-time Pricing Offers an Alternative

Making the Move Toward Global, Corporate Payments Process Transformation

A payment factory can help corporations centralize and standardize global payments for lower costs, reduced fraud, improved cash visibility and increased control.

What’s Your View on Corporate Actions Risk?

Whichever way you look at it, there’s a lot of risk involved in processing corporate actions. But the more clearly you can see and understand that risk, the easier it is to manage and respond to.

What the FIS and Worldpay Merger Means

The merger between FIS and Worldpay provides the size, scale and synergies to accelerate growth and create value beyond what’s achieved by cost reductions.

Artificial Intelligence: The Quickest Path to Modernizing Credit-to-Cash

As companies struggle to keep up with increasing volumes, credit and collections departments are exploring artificial intelligence (AI) at unprecedented rates.

Does your financial crime strategy align with complex, modern banking?

As financial crime becomes more sophisticated and prevalent, learn why banks must be able to predict, prevent and immediately respond to threats across the entire enterprise.

Operational Efficiencies Improve with Clear Line of Sight

How operational efficiencies improve significantly with real-time information that provides a clear line of sight into workflows and actionable insights

Why It’s Critical that Every Community Bank Focuses on Innovation that Matters

Why it’s critical that every community bank focus on making technology and innovation investments that matter to customers, support the brand and empower staff.

What Bankers Should Expect from Their Core Technology Partner

Bankers should expect these key attributes from core banking partners.

In Energy, Technology Is the Key to Managing Change

Forces from regulation to environmental concerns are bringing near constant change to energy companies. To respond and adapt to change, these companies are having to focus on data and business processes and the deployment of new technologies aimed at helping automate, optimize and manage with significantly greater business agility.

How to Streamline Financial Reporting and Reclaim Your January

While most people are celebrating the holidays and will soon be making resolutions, CFOs and heads of accounting at private equity firms and fund administrators have their minds on something else: financial reporting.

Market Outlook - Trends in Power and Gas

The power and gas industry is facing radical change and disruption driven by government regulations and policies, consumer behavior and environmental groups. Read our in-depth whitepaper and discover how new technology can help you rise to the future of the industry, today.

Risk as a Service for Commodity Firms

Firms that use raw materials or commodities are exposed to more risks than ever before due to increasing geopolitical tensions with the ability to disrupt supply chains and drive price volatilities. Risk as a service is one way for these firms to manage their risks cost-effectively.

Finding Solution Certainty in An Uncertain World

Banks know they need to transform, and countless vendors are eager to help. However, it is essential for banks to vet and select providers with the expertise and scope to actually beat the industry odds and make their transformation a success. We at FIS must raise awareness with our clients and prospects about the many ways in which FIS can do just that. This white paper can help start that conversation.

Seven Steps to Improve Business Processes

Process improvement yields results, and continuous process improvement yields sustainable results. The following seven steps describe a methodology for banks to follow to improve their business processes.

APIs made easy

To capitalize on the true benefits of open banking, these five elements are key for an API solution.

Banking as a Platform

Learn how banks, fintechs, corporations, and end-consumers can create & exchange value via innovative API-based solutions that are connected via platform banking.

Continuous Testing White Paper

In a Continuous Delivery model, software development Testing involves the use (and reuse) of automated test scripts and execution, and a “Shift Left” paradigm that has Testing begin Day 1.

Face, Voice, and Emotion Recognition: Artificial Intelligence (AI) Tools White Paper

This white paper highlights advanced Artificial Intelligence (AI) tools that are used in banking and other industries today, and the many potential benefits that can be achieved by their usage.

Artificial Intelligence (AI): Using Image Compare with Computer Vision for Testing White Paper

This white paper examines how Artificial Intelligence (AI) tools such as Image Compare with Computer Vision can improve the accuracy & speed of UI testing that traditionally required manual attention.

Take complexity out of regulatory compliance processes

If your bench of compliance experts isn’t scalable or sufficient for your organization today, consider tapping the resources of a third-party provider that offers a comprehensive compliance program.

Targeted Core Banking Modernization White Paper

Targeted modernization strategies are low risk and incremental, and preserve the bank’s strategic IT investments. Learn more about the pertinent trends, challenges and accelerant opportunities.

Cloud-Enabled Core Banking White Paper

This white paper explores why the time is now for banks to capitalize on the many benefits that can be achieved by running core banking solutions in the cloud.

Data analytics tools form the heart of the new data ecosystem

Predictive and prescriptive analytics provide financial institutions unprecedented power to compete in a competitive, data-driven world.

The #1 reason private equity teams feel unprepared for board meetings

Private equity deal teams are always on the go. So, why is their data locked up in mobile-unfriendly spreadsheets and systems?

Modern wealth management platforms support multi-generational client development

The changing face of wealth management requires modern wealth platforms to provide the right tools to attract and retain banks’ most profitable customers.

Spring forward with a fresh look at your loan portfolio

Here are 5 considerations to spring clean your loan portfolio.

Which cloud is just right?

One of the biggest benefits to cloud technology is cost. But which cloud model is right for your business?

Modern Payments for Modern Banking White Paper

Digital technologies and open banking are changing banking forever. Banks face a pace of change that is already in overdrive, and continually accelerating. To be a market leader, financial institutions need to address, unify, and “future-proof” an essential triad of investment and technological advancement aspects: Core, Channels, and Payments – and the underlying technical architecture that supports them. Ultimately, banks need to modernize for the future of a new normal in financial services that is designed for openness.

Data is your friend in uncertain times

Financial institutions that leverage their data to identify customer trends and take near real-time action can prevent or minimize customer attrition

The impact of CCPA on financial institutions

The California Consumer Privacy Act (CCPA) is the most comprehensive data protection law to-date. Here’s what it means for financial institutions.

Decoding APIs: Why APIs Matter – FIS Code Connect Insights

How APIs are revolutionizing the financial world and may redefine what it means to be a bank

Breaking into to the credit market

The credit market is growing faster than ever, in part due to price drops from COVID-19. So, more and more managers want to move into private debt and credit – but you need more than just technology to succeed

A current website now more than ever by community banks.

A current website that is refreshed and continually updated site inspires confidence in your financial institution.

Banking Local Podcast: Episode 1 – Changing Consumer Habits

FIS’ new Banking Local podcast gets to the bottom of why community and regional banks are cornerstones of their local environments, one episode at a time.

Is your credit union where it should be on your journey to digital transformation?

Credit unions need to take stock of where they are on their digital transformation journey to advance their cardholder members’ experiences.

Let’s get emotional about data science

Let data science help you understand the emotional drivers behind account holder behavior so you can win their loyalty.

Securities finance markets in uncertain times

FIS tracks the effects of COVID-19 on the securities finance market.

Establishing a quality assurance practice in financial institutions

Bank executives can establish a quality assurance practice within their institutions certain guidelines to start the process.

Navigating banks through the CARES Act

Due to Covid-19, SMBs need rapid financial assistance. Here’s how banks are helping SMBs and their employees get back to work during the pandemic.

Why cyber protection beyond enterprise firewalls is critical

Cyber protection beyond enterprise firewalls has become mission critical amid the COVID-19 crisis. Here are tips banks can use to protect against emerging threats.

Modern payments for modern banking

Digital technology is changing banking. While this evolving market brings challenges, it also brings opportunities for innovations and improvements.

In difficult times, why make corporate actions hard to handle too?

With a direct feed of cleansed corporate actions data, investment operations teams can simplify processes and work more effectively in uncertain times.

“New normal” increases demand for digital engagement solutions for retirement providers

In today’s world of limited face-to-face contact, digital engagement tools are key in helping clients navigate the CARES Act impact on retirement plans.

Connecting all the data dots

It takes a holistic view of your customers to create winning experiences; which means you must connect the dots of fractured data sources into one integrated ecosystem.

Alternative data: Seeing beyond a traditional credit score

Leveraging alternative credit data provides lenders a more holistic view of a consumer’s credit stability, even if they have little or no credit history.

Clients’ needs and expectations are changing fast. Is your framework adaptable to change?

How modernization is key to growing and sustaining long-term client relationships and long-term growth in your financial institution.

The #1 reason private equity teams feel unprepared for board meetings.

Private equity deal teams are always on the go. Why is their data locked up in mobile unfriendly spreadsheets and systems?

Helping community banks do what they do best

As the pandemic continues to accelerate digital banking, community banks need a tech partner that is easy to do business with, provides simplified operations, digital products that hit the mark and ensure robust security.

Don’t let your guard down on CECL

Here’s how financial institutions can benefit from calculating loan loss reserves under the new CECL requirements.

Succeeding in the new normal - Embrace the remote work culture

How can organizations manage their remote work force and drive employee productivity and operational excellence in this new normal.

The CARES Act – Lessons learned and what lies ahead

Four months on, let’s look back at lessons learned from the CARES Act and what to expect going forward as we continue the battle against COVID-19

Leaning on something certain in uncertain times

Keep a pulse on the latest trends and market surveys to meet your customers where they’re heading.

Simplifying core processing is key for community banks

High-tech solutions, simplified contracts and fast implementation are critical for community banks to compete in today’s marketplace.

The infinite mindset meets the infinite modern banking platform

Banking is not a ‘finite’ game with rules and winners, but an ‘infinite game’ – one with no end point, and where the object is not to win the game, but to stay in it.

Disrupting the status quo for modern banking customers

Today’s banks are developing new relationships with the fintechs they once thought were in direct competition. As things move toward digital, new challenges and opportunities are on the horizon. Today’s customers expect everything on their own devices, immediately, and banks are working hard to make the move to digital. One way to make it happen may be an embrace of the API economy.

The real-time transfer agency approach for supporting interval funds

Stuck with a legacy batch system to support your non-traditional fund types? Learn why real-time transfer agency technology, leveraged by an industry-leading service provider, is optimal for interval funds.

Helping Discovery’s Investors Go Global

Lean how Compass helped Discovery launch a multinational investment vehicle.

How retirement plan providers will find success going forward

Retirement plan providers need to rethink traditional business models and accelerate growth planning that leverages modern technology, workflow processes and shared services.

Balancing risk and opportunity with intelligent payments

Learn how AI and machine learning are transforming payments data into actionable insights that can boost conversion rates and revenue, while reducing costs and risk.

Considerations for retaining or selling your bank’s PPP loans

With the CARES Act’s Payroll Protection Program (PPP) wave of lending over, what do banks do with these loans? FIS Consulting articulates the pros and cons for bankers considering whether to keep these new small business loans on their books.

Relying on a sustainable partnership in uncertain times

A foundational partnership with a tech provider can offer certainty for community banks, while helping deliver solutions to address the unusual business climate created by COVID.

Future, faster: Making the case for Systematics as a Service

How scale, creativity and adaptability will help banking institutions thrive.

The bankruptcy tsunami ahead

With an epic surge of small business and personal bankruptcies anticipated, financial institutions should be armed with data solutions that help improve portfolio performance, while providing a foundation for growth.

Modernization journey: Your route to costs savings now

The time is now to modernize your bank. Begin your journey and learn how you can realize faster cost savings along the way.

Partnerships enhance modern banking platforms

The platform partner strategy for Modern Banking Platform is to build an API-enabled, real-time ecosystem that underpins growth, modernization, and customer experience for our bank clients and their customers.

With best-in-class cybersecurity strategies merchants can beat new fraud trends

Even before COVID-19, fraudsters were creating new methods to defraud merchants, customers and financial institutions. The pandemic has accelerated what they already started.

Banking’s digital footprint expansion creates new opportunities for fraudulent attacks

As the digital transformation of the banking industry accelerates it also creates new opportunities for fraudsters as we are seeing a steady increase in digital fraud.

New trends in consumer preferences means revamping your loyalty program

In order to stay relevant and effectively attract and engage customers, financial institutions must move away from competing on card-only loyalty. They must embrace a more holistic view of customer loyalty and implement technology enabling a broader loyalty strategy that incentivizes account holders for their entire banking relationship, encompassing all accounts and services from credit and debit cards to loans and investments

Now is the time to modernize your core. Learn why.

Despite COVID-19, banks are more motivated than ever to accelerate core modernization to serve their customers.

Riding the tech wave in a volatile derivatives market

Market volatility and regulations present an opportunity for broker-dealers to embrace processes like BPaaS and re-engineer for the future.

A monumental moment for decisions

Today’s new normal provides a critical time for financial institutions to invest in data-driven strategies to help manage loss, drive up portfolio gains and build the best experiences to keep customers loyal.

Now more than ever banks need strong, visual analytics

Now more than ever banks need strong, visual and impactful analytics to maximize bank and branch performance.

What does it mean that hedge funds and private equity are converging?

The hedge fund and private equity worlds are colliding to exploit credit opportunities.

Building Up and Out: Mastering Modernization for Today’s Financial Institution Leaders.

With the pandemic accelerating market shifts and shifting customer expectations, it’s more important than ever for banks to embrace modernization before they get left behind.

Cyber-crime concerns rise amid COVID-19

COVID-19 has accelerated the push to digital modernization in terms of how we shop, work and live. With that come risks that have created new opportunities for criminals

The two paths to resiliency during COVID-19

To solve the bigger issues facing capital markets, you need to look not just at software but at managed services such as cloud computing and BPaaS.

Taking a Rational Approach to Branch Rationalization

The rapid expansion of digital channels in response to COVID-19, and the challenges presented by this expansion, serve to accelerate implementation of previously planned reductions in branch networks. But banks need to take a strategic approach to this reduction process.

Give Your Cardholders the Loyalty Rewards They Want

Embracing a new loyalty rewards model is imperative for financial institutions to maintain share of wallet in a competitive environment.

Why real time payments are the future of money movement

See how small businesses, large companies and consumers can benefit from real-time payments.

eAlerts combat fraud and improve the customer experience

Fear of digital fraud is on the rise as nearly 80 percent of financial services leaders say they’ve seen an increase in fraudulent activity as a result of the pandemic.

A guaranteed path to business transformation in your customer service operations

With 82% of employees working from home in some capacity, learn how technology is driving oversight, while providing important data around performance and productivity.

It’s time for credit unions to rethink loyalty programs offerings

Credit union cardholders expect three things from loyalty programs: personalization, immediacy and ease of redemption.

Accelerate the automation journey with Prebots

How can organizations manage their remote work force and drive employee productivity and operational excellence in this new normal.

It takes a village to stop fraud

Learn how combining rich data with formidable systems, strong processes, enhanced tools and the right people can help combat the rising threat of online fraud.

Asset Owners: COVID-19 Challenges and Investment Opportunities

Contingent convertible (CoCo) bonds can offer asset owners attractive risk-adjusted returns in the face of funding challenges presented by COVID-19.

Collections and customer connect in the time of COVID; An evolving regulatory landscape

Being tasked with collections in a pandemic world requires understanding the future landscape while being sensitive to consumer issues and vigilant to proposed regulatory changes.

Inviting innovation: FIS FinTech Accelerator helps advance a world of opportunities

AI, machine learning and biometric data took center stage in this year’s FinTech Accelerator, an FIS and Venture Center program that identifies and nurtures start-up fintech firms with promising, high-potential products.

Kickstart AI value in 2021

A recent survey of global executives found 64% plan to invest heavily in AI to stay competitive. Here are two simple steps to take now to kickstart AI value in 2021.

Collections and customer connect in the time of COVID: An evolving regulatory landscape - Part 2

Learn how using a debt collections expert can help scale debt recovery operations, create optimum contact profiles, comply with 3rd party debt collection regulation and adapt in an ever-changing industry.

Core providers can help accelerate Robotics Process Automation

Learn how community banks can take advantage of Robotics Process Automation (RPA) to reduce operating expenses, while significantly improving productivity and the customer experience.

Why your Commercial Card program should go virtual

Here’s why it’s critical for financial institutions to have a virtual commercial card offering to stay competitive in today’s increasingly, digitally driven marketplace.

The value of scalability for a financial institution

Learn how financial institutions can leverage scalability to focus on driving organic or strategic growth successfully through 2021 and beyond.

Five reasons insurance companies should embrace digital payments now

How digital payments benefit the insurance industry amidst changing consumer preferences and expectations resulting from the COVID-19 pandemic.

5 Tips for Companies Looking to Innovate Successfully

Here’s how you can innovate smartly – and fast.

Providing a better payments experience for your customers

As the business of payments continues to rapidly evolve, financial institutions need to deliver an exceptional, safe payments experience, leveraging digital solutions at an accelerated pace.

Let’s advance the digital experience

Digital transformation is a large initiative for FIs. One of the first steps is to understand how digital technology helps move your business forward

Data is cheap. Actionable information is valuable.

Latest article from David Lewis, FIS discusses the use of short interest data to support both long and short strategies, giving analysts, investors & fund managers an edge.

Reimagining Lending with the Power of Technology

It’s time to harness technology to deliver modern, real-time lending platforms across lending types. Leveraging the entire lifecycle of lending data is the foundation of long-term lending success.

Standardized asset finance systems can give you speed and control

Auto and equipment finance firms need standardized software that is fast to implement but also easy to mold to new requirements.

Hybrid Cloud: A catalyst for digital transformation

Enterprises are increasingly adopting a hybrid approach to cloud computing – combining the most appropriate mix of private and public cloud services that best meets their needs.

Meet customer demands and edge out competitors with a scalable core.

The IBS core platform from FIS empowers financial institutions with scalability, partnership, open APIs and data to compete in a digital marketplace.

FIs need data analytics to compete with non-FIs shaping new CX expectations

With businesses like Amazon shaping new CX expectations, learn how financial institutions can use data analytics to better understand their customers’ needs and stay competitive.

Relaunching your private label card offerings

With the pandemic driving a comeback in private label cards, retailers are developing their own loyalty and rewards programs to attract new consumers.

A Goldilocks strategy for loan loss forecasting

Leverage predictive macro-level economic models to avoid the risk of being under reserved, while ensuring that you don’t miss lending opportunities because you’re over reserved.

One year on: The impact of COVID-19 on mobile banking

COVID-19 disrupted our lives and changed how we bank. A year on, learn how mobile banking trends continue to evolve.

Why prebots are the future of automation

Learn how pre-built automation solutions can help financial institutions save 20-30% on operational costs, improving processes and boosting ROI.

Real time and the race towards it

FIS helps banks implement real-time technology. Learn why the race to real-time is critical to your success.

The subscription model: Becoming the norm for FinTech services

Subscription models are coming to fintech – including professional services. Being able to predict costs gives your business security and flexibility.

When our customers change, we must too

In the new world of remote customer interactions and limited feedback, learn how businesses can tap into customer data to develop solutions that make online interactions exceptional.

Advancing financial inclusion

In today’s times of economic stress, financial inclusion has never been more important. Learn how the right technology can help financial institutions better understand and empower the underbanked.

FinTech: A game of milliseconds and insights

AI augmentation of FIS gives us new levels of efficiencies to reach in our quest to be faster and more insightful in everything we do going the extra mile to win one millisecond at a time.

Making data meaningful for credit unions and their members

Regardless of size, credit unions can use “big data” to better assess loan risks and personalize lending rates, providing an individualized experience for members.

Journey to Managed SD-WAN Services

Organizations all over the world are facing budgetary pressures to develop business strategies that reduce time to market, increase savings and strengthen regulatory compliance.

Frictionless, automated solutions key for global payments

Moving money across borders and converting those payments into foreign currencies can be both complex and costly.; That’s why an integrated global payables platform is so critical.

Five tips for successful virtual learning experiences

As financial institutions adapt to a new normal for training and developing staff, here are five tips to delivering meaningful virtual learning experiences.