Studies & Reports



Digital business in banking
Gartner (USA), December 2017
A survey for Gartner run by Efma shows that banks are convinced of the need to embrace digital banking and to transform themselves. But our interactions with banks show clearly that what that ambition…

Keywords : Digital/Mobile channels , Bank Products & Services , Operational excellence/Cost efficiency , API/Open banking

Download the report


Digital transformation observatory
Study BCG, November 2017
This document by BCG and Efma presents the results of BCG's survey on the state of digital transformation of banks.Through case studies and interviews, it observes three digital delivery models that banks…

Keywords : Bank Products & Services , Operational excellence/Cost efficiency , Digital/Mobile channels

Download the report


Transforming insurance through innovation
Study Accenture, November 2017
Large traditional insurers and dynamic start-ups alike are turning to artificial intelligence (AI), the Internet of Things (IoT), digital platforms, blockchain and other emerging technologies to create…

Keywords : Insurance Products & Services , Innovation , Digital/Mobile channels

Download the report


Video-enabled insurance services: How video customer engagement transforms the way insurers do business
Study Vidyo, November 2017
Video has emerged as an important new channel for insurance companies to interact with customers, deliver advisory services, sell insurance and financial services products, perform remote expertise, and…

Keywords : Insurance Products & Services , Customer service , Video services

Download the report


Making innovation pay
Study Oracle Corporation, October 2017
This white paper is a report of a joint study by Efma and Oracle that seeks to understand what innovation activities are taking place in banks and which are working or not working. It includes practical…

Keywords : Innovation , Offer/Pricing

Download the report


PSD2: Driving digital transformation in banking
Study Microsoft, October 2017
The Second Payment Services Directive (PSD2) is one of the largest regulatory challenges that banks have faced in recent years. Compliance with the new legislation means that financial institutions, at…

Keywords : Operational excellence/Cost efficiency , Digital/Mobile channels , API/Open banking

Download the report


Innovation in retail banking 2017: Reimagine banking
Study Infosys Finacle, October 2017
In order to re-imagine banking in today’s increasingly competitive environment, there needs to be a focus on disruptive technologies and innovations, as opposed to simply an iterative focus. The…

Keywords : Innovation , Bank Products & Services

Download the report


Digital channels III: Internet and financial services in Europe
Study Exton Consulting, October 2017
The “Digital Channel” survey, carried out in collaboration with Efma, provides an overview of the main trends as regards the use of digital banking channels. An eighth country, namely Spain,…

Keywords : Digital/Mobile channels , Bank Products & Services

Download the report


Insurance in the mobile-first era
Study Comarch, September 2017
The future of insurance is definitely mobile, but how can we get the most out of it?Mobile is a part of a wider digital disruption. Thanks to it, many of us choose to stay online almost 24/7. We are a…

Keywords : Insurance Products & Services , Digital/Mobile channels , Insurance Products & Services

Download the report


Building the future of mobile banking - Part II
Study Wavestone, September 2017
Financial services institutions are still dealing with the after-effects of the financial crisis. Recently, they have been making considerable effort to comply with new regulations, stabilise their finances…

Keywords : Credit , Customer service , Digital/Mobile channels , Operational excellence/Cost efficiency , Mortgage

Download the report

Efma reports


With more than 30 reports published yearly, co-written with leading consulting and IT partners (Efma associate members), we offer a snapshot of market trends for you to get inspired through winning strategies developed on other continents.

Reports are only for Efma members. Is your institution an Efma member