EY Innovalue has comprehensive and deep expertise in the financial services industry that has been built over many years of experience. We are constantly endeavouring to improve our specialist knowledge and our methodologies. We publish on topics that are relevant to our clients on the basis of our thought leadership. Examples include market entry strategies and segmentation of sales channels and customers as well as today’s issues such as digital convergence. A selection of our studies and specialist articles can be found here:

June 2018
PAYMENTS NEWSLETTER VOL.20
April 2018
How biometrics could finally replace PINs and passwords when we pay
While biometric authentication is unlikely to replace PINs and passwords anytime soon, it will take an increasingly important role as one of a diverse set of authentication methods.
April 2018
How convergence is transforming payment services
Banks and payment providers need to adapt to industry convergence and need to create new sources of revenue to stay relevant.
March 2018
PAYMENTS NEWSLETTER VOL.19
December 2017
PAYMENTS NEWSLETTER VOL.18
August 2017
PAYMENTS NEWSLETTER VOL.17
June 2017
EY FinTech Adoption Index 2017
June 2017
Unleashing the potential of FinTech in banking
May 2017
Wertorientierte Vertriebssteuerung
Die Vertriebssteuerung vieler Versicherungs- unternehmen ist weiterhin auf das Neugeschäftsvolumen fokussiert.
May 2017
PAYMENTS NEWSLETTER VOL.16
March 2017
Global Banking Outlook 2017
March 2017
2017 Financial Services Global Corporate Divestment Study
November 2016
PAYMENTS NEWSLETTER VOL.15
Opinion paper: PSD2 and the impact of Access to Account
November 2016
Quo vadis Girocard?
Noch führt an der Girocard in Deutschland kaum ein Weg vorbei.
October 2016
Update on capital market activity in the payments industry Q3/2016
August 2016
PAYMENTS NEWSLETTER VOL.14
Will merchants start to refuse cash acceptance anytime soon?
June 2016
Update on capital market activity in the payments industry Q2/2016
May 2016
PAYMENTS NEWSLETTER VOL.13
The current state of mobile wallets...
March 2016
PAYMENTS NEWSLETTER VOL.12
INNOVALUE provide a brief overview of recent developments..
March 2016
Update on capital market activity in the payments industry Q1/2016
February 2016
Merchant Payment Acceptance and Mobile Services
February 2016
Digital Banking and Payments- Evolution or Re-Invention
December 2015
PAYMENTS NEWSLETTER VOL.11
INNOVALUE provide a brief overview of recent developments...
November 2015
Update on capital market activity in the payments industry Q4/2015
November 2015
Global Transaction Banking
Faster payments: the state of play
August 2015
Bitcoin's technology to banking
Innovalue quoted on The Banker’s article: Blockchain manoeuvres: applying Bitcoin's technology to banking
August 2015
PAYMENTS NEWSLETTER VOL.10
INNOVALUE provide a brief overview of recent developments...
August 2015
Big Data, Bold Future
August 2015
Retail technology’s impact on banking services
August 2015
Bringing financial services out of its shell
August 2015
Will Apple Pay-ve the way for mobile-industry comment
How has Apple Pay done in its first few days on the UK scene?
August 2015
BLOCKCHAIN AND FINANCIAL SERVICES
INDUSTRY SNAPSHOT AND POSSIBLE FUTURE DEVELOPMENTS
July 2015
„Revival“ des Angestellten­vertriebs?
July 2015
Blockchain manoeuvres: applying Bitcoin's technology to banking
July 2015
Die Rolle des Direktvertriebs innerhalb der Multikanal-­strategien von Versicherern
June 2015
Financial Services and Social Media
Technology in telecommuni­cations and the new media are reshaping the market in which companies operate and how they compete.
June 2015
The impact and implications of digital convergence to retailers and consumers
MasterCard’s commissioned report has been released on the occasion of the European Business Summit.
May 2015
PAYMENTS NEWSLETTER VOL.09
The acquiring industry is undergoing dramatic change. Andreas Habersetzer analyses...
May 2015
2020 – das digitalisierte Makler- ­ unternehmen
Das Marktumfeld in der deutschen Assekuranz hat sich durch eine Vielzahl externer Faktoren deutlich verschlechtert.
April 2015
CASH & LIQUIDITY MANAGEMENT ROUND TABLE KEY FINDINGS
Nucleus Software hosted a cash and liquidity management round table at The Westin Hotel, Frankfurt on 5th February.
February 2015
Harvard Law School Conference
Harvard Law School Program on International Financial Systems
February 2015
Wie viel Führung steckt eigentlich in "Führungskraft"?
Seit der De­regulierung des Versicherungs­marktes befindet sich die Branche in einem Prozess ständiger Ver­änderung.
January 2015
Payments Newsletter Q3 2014
Due to major developments the mobile payment landscape changed in the past year.
November 2014
Technisches Processing: Künftige Strategien für Emittenten
Der Ertrags­aus­fall durch die Inter­change-Senkung kann nicht durch Kosten­senkung im Processing kom­pen­siert werden
September 2014
Know-how-Anforderungen steigen
Wettbewerb und Internationali­sierungs­ten­denzen prägen die Industrie-­ und Ver­triebs­landschaft von 2020
June 2014
Typen und Gestalt­ungs­parameter von Betriebs­modellen
Bei Preis­druck am Markt ist ein kosten­effizientes Betriebs­modell Wett­bewerbs­faktor
June 2014
Payment Newsletter Q2 2014
Following months of speculation, the new iPhone 6 with its feature Apple Pay has finally been presented. To be frank, Apple Pay is not revolutionary
May 2014
Am seidenen Faden
Auf den Ver­sicherungs­vertrieb in Deutschland wirkt derzeit eine Viel­zahl von Ver­änderungs­treibern ein
March 2014
Apps für jeden Tag
Regelmäßige Nutzungsanlässe verhelfen Versicherungs-Apps zur Konjunktur
February 2014
Payment Newsletter Q1 2014
Companies have worked on enabling mobile payments using smartphones at the point of sale. Two blue-print stra­te­gies are observed in the market
December 2013
Dringender Sanier­ungs­bedarf für un­pro­fi­tables Sach­geschäft
Verträge sollten unter ver­schie­denen Be­tracht­ungs­ebenen identi­fiziert werden
December 2013
Telematik - eine Revolution in der Kfz-Versicherung?
Versicherer stehen vor großen Heraus­forderungen aufgrund der erhöhten Ver­gleichbarkeit der Produkte
November 2013
Payment Newsletter Q4 2013
Acquirers in the German payment market are con­fronted with a set of issues due to a challenging busi­ness en­viron­ment and new develo­pments
June 2013
Triagierung in der Schaden­organisation: Ein dreifacher Erfolgsfaktor
Erfolgsparameter: hohe Kunden­zufriedenheit, geringer Schaden­aufwand und niedrige Be­arbeitungskosten
May 2013
The German payment market - large, compli­cated and slow moving
Pure credit card acquirers, debit card networks service providers and companies in both segments
March 2013
Das europäische Mobile-Payment-Ökosystem
Die Entwicklung im Mobile-Payment-Universium hat sich deutlich beschleunigt
December 2012
Können Sparkassen und GenoBanken voneinander lernen?
Über das Thema Bancassurance wird rege dis­kutiert, ein Ver­gleich zeigt neue Perspektiven
March 2012
Online Agentur als Zukunfts­modell in der Ausschliess­lichkeit
Die Nutzung von neuen Medien führt zu großen Veränderungen im Kundenverhalten
February 2012
Der Kartenmarkt bis 2015
Der deutsche Payment-Markt steht aktuell vor einem Umbruch im Bereich der Interchanges für MasterCard und Visa
June 2011
FTD Bankentag 2011
Regulierungen behindern die deutschen Banken im Privatkunden­segment
June 2011
Die Kunst des Loyalitäts-Pricing
Eine große Herausforder­ung für Banken und Sparkassen besteht in der Gestaltung einer starken Kundenbindung
June 2011
Bancassurance-Studie
Organisation und Steuerung des Versicherungs­geschäftes
March 2011
Assekuranz im Aufbruch: Maklergeschäft
Der Maklermarkt ist einem kom­plexen Spannungs­feld ausgesetzt, das vertriebs­strategisch berück­sichtigt werden muss
February 2011
Acquiring Alliances in Europe: Insight Report 2010
Acquiring in Europe is in tran­sition as acquirer are repositioning around markets, partnerships, and operations
February 2011
Outsorcing - eine valide Option?
Die Erlös- und Kostensituation vom Private Banking wird näher betrachtet und das Outsourcing analysiert
November 2010
Acquiring Alliances in Europe: Insight Report 2010
The market for European acquirers that are organized in an alliance is captured
November 2010
Digital Relations
Das Informations-, Kauf- und Nutzungsverhalten der Deutschen hat sich in den letzten zehn Jahren stetig gewandelt
June 2010
Strategische Heraus­forderungen im Private Banking
Das Volumen des Private Banking Marktes hat das Vorkrisenniveau in Europa noch nicht wieder erreicht
June 2010
Geschäfts­modelle im Ausschliess­lichkeits­vertrieb
Der deutsche Versicherungs­markt verzeichnet im Vertriebs­kanal Ausschließ­lichkeit seit Jahren einen kontinuier­lichen Rückgang
March 2010
Zukünftige Ergebnis­quellen im Retail-Banking
Das Privatkunden­geschäft steht unverändert unter Ergebnis­druck, daher ist die Aus­schöpfung neuer Profit Pools umso wichtiger
July 2009
Wege zur Entstaat­lichung des Banken­sektors-White Paper
Trotz des schnellen Eingreifens des Staates wurde im Rahmen der Finanz­marktkrise bisher kaum über ein Gesamtkonzept diskutiert
June 2009
Wege zur Entstaat­lichung des Banken­sektors
Erfolgreiche Krisen­bewältigung und Ent­staat­lichung ist das Ergebnis eines dreistufigen Prozesses
June 2009
Krisen­auswirk­ungen und Be­wältigungs­ansätze im Privat­kunden­geschäft
Die Krise hat das Privatkunden­geschäft deutscher Banken bislang nicht substantiell getroffen
April 2009
Vertriebs­management in un­sicheren Zeiten
Vor allem die Ver­sicherungsver­mittler werden durch die Kombi­nation aus Finanz­marktkrise und gesetz­lichen Re­formen getroffen

Twitter

10. September 2018
#Sibos returns to Sydney Australia in October and so does EY. If you’re going, would you like to meet with our peophttps://t.co/XfLJ9oyYLYyYLY
06. September 2018
The largest M&A deals in H1 2018 show a strong appetite from non-European acquirers. Read EY’s latest report to leahttps://t.co/tlercSfSLqfSLq
04. September 2018
#Financialinclusion still remains a pipe dream for many emerging markets – coul#blockchainin be the answer? EY’s https://t.co/QCyuzSgoT1zSgoT1
30. August 2018
#payments #vc Paystack raises USD 8 mln from Visa, Tencent, Stripe https://t.co/4aTCq3gGED
30. August 2018
#payments #vc US credit card company Deserve raises USD 17 mln funding https://t.co/8knSMaQXnh
30. August 2018
#payments #vc Irish P2P platform Flender raises EUR 10m ln https://t.co/Ow5ZwfAiT1
28. August 2018
#payments Warren Buffett to invest in Paytm In https://t.co/T4XACDUwyo
23. August 2018
#payments Braavo raises USD 6 mln in series A https://t.co/upApwYqVXl
22. August 2018
#payments Strong Customer Authentication rules agreed for Europe In https://t.co/OisJMGEceF
20. August 2018
#payments #vc Previse raises USD 7 mln to transform global B2B commerce https://t.co/ANLebayGes
20. August 2018
#payments WorldFirst acquires Wyre's retail cross-border payment service https://t.co/FegLUUa9k1
20. August 2018
Real-time payments (RTP) are changing the financial services industry through a more streamlined system. EY’s Jennihttps://t.co/iaathk8t2M8t2M
20. August 2018
China’s payments giant is ready to boost financial inclusion in Africhttps://t.co/RkykwcXW0x0x vi@Quartz Africaca
08. August 2018
#payments #vc QPay gets $1M in funding from Angels and Sharks In https://t.co/Zkond17rrg
08. August 2018
#payments @CurrencyFair makes acquisition of Hong Kong-based Convoy Payments as part of EUR20 million growth plan In https://t.co/2xsE1QdtIk
08. August 2018
#payments #vc @Visa invests in B2B financing outfit Behalf In https://t.co/zSexmsx07X
07. August 2018
#payments #vc Rate raises USD 15 mln for blockchain cross-border payments https://t.co/dEjhODmCl8
06. August 2018
#payments Net Element acquires transactional services portfolio from UPS https://t.co/UaJcZZtGzD
03. August 2018
#payments #vc Zopa raises £44 million to support digital bank launch Inhttps://t.co/rAccoZTgnJJ
02. August 2018
#payments @Sparkasse banks rolls out NFC mobile payments https://t.co/0oqaat9P0F
01. August 2018
#payments New digital payment service BANCOMAT Pay launched in Italy In https://t.co/gxfPmxk5K2
01. August 2018
#payments #vc Barclays leads $14 million funding round in voice trading tech supplier Cloud9 https://t.co/bG2KRADl7L
05. July 2018
#payments #vc Hong Kong digital bank Neat scores $2m funding boost https://t.co/0asJ9XMLYf
04. July 2018
#payments #vc Paysend closes USD 20 mln funding round In https://t.co/MBBZ7uD6H4
27. June 2018
Here comes again our quarterly must-read for the payments industry: the EY #payments newsletter https://t.co/iYmf9QCsIW
27. June 2018
#payments @Visa to allegedly invest USD 250 mln in @BillDesk In https://t.co/739TjhvU6b
25. June 2018
#payments #vc Rebtel's new digital bank lands USD 8 mln https://t.co/6EQxGcIgk1
21. June 2018
#payments #VC New credit card startup Brex lands $50 Million From PayPal and other investors In https://t.co/G9DheprOvb
21. June 2018
#payments #vc French POS outfit Tiller raises EUR12m In https://t.co/PUUFblbsTk
21. June 2018
#payments #consolidation @PayPal continues acquisition tour with @Hyperwallet for $400 million In https://t.co/sK7BV1nC1F

Projects

Growth strategy for a medium-sized broker
A medium-sized broker with a focus on industrial business and a 150-year tradition is confronted with increasing competitiveness in the market and sinking margins in the core business...
International growth strategy for an acquirer
The customer belongs to the leading providers of payment solutions in Europe and the US, especially in the Merchant Acquiring segment the market position is excellent...
Improvement of the earnings position
Within the scope of strategy workshop sponsored by INNOVALUE, the board of directors of a top 30 savings bank (assets of approx. €8 billion) its growth strategy...
Accompanying a trans­action upon acquisition of a terminal portfolio
The customer is one of the leading providers in the net­work operations and merchant acquiring segment. The inter­national presence is expanded by entering of markets with a "follow your customer" strategy...
Cost benchmarking in insurance sales
As part of the merger of several subsidiaries, efficiency and effectiveness were to be increased in the different sales channels within the sales/marketing department...
Mobile payments business field strategy for a telco company
The customer belongs to the leading international tele­communications companies. Based on declining growth and increasing com­petition in the core business, the company has began looking for future growth areas...
Business valuation of an online financial service provider
An online financial service provider experiencing dynamic growth was seeking to raise further capital to expand its business...
Regulation – stress test, regulation and options for action
A large foreign insurance company is pursuing the goal of positioning itself as a leading international specialist for life insurances and pension solutions in Germany...
Product strategy in online payments sector
The customer belongs to the leading global suppliers of online payments solutions and within the scope of a change in management and ownership, the company reviews its corporate and product strategies...
E-money institution vs. full bank
A European provider of online payments solutions was faced with the challenge of a constantly growing volume of e-money...
Realignment of operational model
The current business climate in the insurance industry is putting pressure on the operational models of insurance companies, therefore they are faced with the challenge of aligning the internal processes to the new circumstances...
Target operating model for a PoS terminal manufacturer
The customer belongs to the leading global suppliers of Point of Sale (PoS) terminals. The company has grown quickly through acquisitions without an integration of the acquired company into a target operating model...
Restructuring and sale of a credit card processor
As a former monopoly, the customer was the market leader in the technical pro­cessing of electronic card transactions. With the de­regul­ation the company faced increasing pressure and the need of restructuring…
Market strategy for a top-5 insurance company
A globally operating top-5 insurance company offering life, composite and health insurance products through various sales channels, generates about 20% of the overall turnover through insurance agents and brokers...
Increasing bAV business
In a large regional database with more than 200 offices, the business field of company pensions is processed by both a GmbH (LLC) – for approaching corporate customers – as well as an in-house pensions department...

Press

Voice – a new channel for commerce and payment
February 2018