What’s the next phase in the evolution of marketplace lending?

What’s the next phase in the evolution of marketplace lending?Steve Fromhart, Research Manager, Banking and Securities, Deloitte Services LP, April 27, 2016

I recently attended the largest annual conference covering one of the most dynamic, young sectors in the financial services industry—marketplace lending (MPL). It wouldn’t be much of a stretch to say that representatives of almost every marketplace lender and marketplace lending ecosystem player in the country was on hand at Lendit USA’s fourth annual US gathering,1 of which Deloitte was a sponsor.

Read the full post »

Intelligent buildings: Will the Internet of Things create differentiation for commercial real estate owners?

Intelligent buildings: Will the Internet of Things create differentiation for commercial real estate owners?Surabhi Kejriwal, Real Estate research leader, Deloitte Services LP, April 20, 2016

Imagine this: As you drive into your workplace, your office building identifies your car, the garage door opens automatically, and you are directed to your parking spot. The lighting in the garage brightens to direct you to the elevator and dims thereafter. As you enter your office, you manage your day through your mobile app—from selecting office spaces for different business needs and preferences, to tailoring food choices. Not just that, your office also takes care of your well-being; the in-house gym tracks your health stats, the building design allows substantial natural light, while the heating, air-conditioning, ventilation, and lighting automatically adapt to your requirements.

Read the full post »

Aggregator insurance shopping sites are here to stay

Aggregator insurance shopping sites are here to staySam Friedman, Insurance research leader, Deloitte Services LP, April 13, 2016

Insurance agents could be forgiven if they were tempted to celebrate following last month’s exit of Google Compare, only about a year after the ubiquitous internet technology company began offering its prospects another option to shop for auto coverage on the Web. However, even a mild sigh of relief might be premature, given the inclination of more and more consumers to do their business online, along with the emergence of a growing number of internet-based aggregators to meet that rising demand.

Read the full post »

Compliance costs in financial services: Will a “peace dividend” be realized?

Compliance costs in financial services: Will a peace dividend be realizedJim Eckenrode, Executive Director, Deloitte Services LP, April, 6, 2016

Twice in the past four days I’ve heard mention of the potential for a reduction in future regulatory expenditures by financial services institutions (FSIs) over the next several years. More specifically, the comment had to do with the potential for reduced fines and penalties resulting from regulatory enforcement actions, as rules become clearer and the investment in data management, analytics, and reporting that FSIs have made over the past several years starts to pay off. Interestingly, this spending reduction was referred to as a “peace dividend.”

Read the full post »

Data-driven distribution: Supporting purpose-built portfolios

Data-driven distribution: Supporting purpose-built portfoliosDoug Dannemiller, Investment Management research leader, Deloitte Services LP, March 30, 2016

The compliance and investing caveat, “past performance does not guarantee future results,” is so extensively used that it has become cliché. Everyone in the industry knows that past performance is one of the significant drivers of investor behavior and, subsequently, changes in assets under management (AUM). Further, it is common knowledge that chasing performance often leads to poor investment decisions by investors. These performance-driven AUM changes also impact the asset managers, since AUM flow can impact investment decisions in the product portfolio, as portfolio managers generate liquidity for exiting investors. Purpose-built investor portfolios can reduce performance chasing by setting clear roles and expectations for each investment product held in the investor’s portfolio. Data analytics can help asset managers place their products into purpose-built portfolios.

Read the full post »

Middle-market banking: Preparing for the next wave of disruption

Middle-market banking: Preparing for the next wave of disruptionVal Srinivas, Banking & Securities research leader, Deloitte Services LP, and Lincy Therattil, Banking & Securities manager, Deloitte Services India Pvt. Ltd., March 23, 2016

Middle-market businesses occupy a special place in the heart of commercial banking. First, they have been growing at a pace faster than that of GDP (Figure 1).1,2 Second, they are highly loyal to their primary banks.3 According to a recent study conducted at the Deloitte Center for Financial Services, the average tenure for deposits and transactional services is nearly 17 years, and about 15 years for credit.4 Furthermore, almost 86 percent of middle-market customers consider their primary bank as the go-to provider for all their financial needs.

Read the full post »

Commercial real estate companies: Adapt sustainability agenda to broader climate change goals

Commercial real estate companies: Adapt sustainability agenda to broader climate-change goalsSurabhi Kejriwal, Real Estate research leader, Deloitte Services LP, March 16, 2016

At the December 2015 United Nations climate change conference in Paris, 195 countries agreed to take proactive steps to control carbon emissions in order to limit the rise in global temperatures over time to “well below” two degrees Celsius, while also enhancing efforts to deal with the destructive impact of climate change already being felt around the world.1

Read the full post »

Wealth by the numbers: What does the future look like for home-secured debt in the US?

Wealth by the numbers: What does the future look like for home-secured debt in the US?

Read the full post »

How private equity firms value their portfolios: Highlights from Deloitte’s 2015 Survey

J. Lynette DeWitt, Research Manager, Investment Management, March 9, 2016

Private equity valuations have been in the news lately. In case you haven’t followed the topic closely, here’s a quick recap of two recent trends. One is that the unrealized portfolio value of private equity funds1 reached an all-time high of $2.8 trillion at mid-year 2015.2 While this may seem to be positive news, the high level of valuations is now considered to be the number one challenge facing North American and European fund managers in 2016, according to Preqin’s recent survey.3 Investors are also concerned about deal levels, and have started recalibrating their investment strategies accordingly.4

Read the full post »

Insurance-linked securities: Where will this journey take the insurance market?

Insurance-linked securities: Where will this journey take the insurance market?Andy Mais, Insurance subject matter specialist, Deloitte Services LP, March 2, 2016

Have you ever watched a giant cruise ship enter or leave a crowded harbor?

It’s fascinating to observe. The behemoth is met by a small pilot boat. The ship and the boat match speeds, adjust for winds, and link up so the local pilot can climb on board to assist the captain and crew with a successful docking. On the way out of the harbor, the process is reversed.

Read the full post »

%d bloggers like this: