Studies & Reports



Frictionless payments & wallets
Study A.T. Kearney, March 2017
Non-cash payments have grown 6 percent annually across Europe over the past decade. We estimate that by 2022 there will be more cashless transactions in Europe than those using cash. Around the same time,…

Keywords : Digital payments/Wallet



Video banking: Advancing on the road to maturity
Study Vidyo, March 2017
This joint report was co-authored by Efma, CUNA Strategic Services, a US organization providing credit unions with access to high quality products, services and technologies and Vidyo, a leading video…

Keywords : Digital/Mobile channels , Video services , Bank Products & Services



Digitise and grow: Five ways to get the most from your SME banking business
Digest Efma, February 2017
For a long time, banks have taken an ambivalent stance toward SMEs, but this is beginning to change. It is reported that, on average, small businesses contribute around 12% of total revenues to European…

Keywords : SME/Corporate , Bank Products & Services , Omnichannel/Multichannel



Efma Review 2017
Regional review Efma, February 2017
The retail financial services industry is an exciting place to be at the moment. While it is important to acknowledge the continued pressure facing the sector, there’s no question that the number…

Keywords : Fintech , SME/Corporate , Customer experience , Affluent/Private , Business strategy/Model , Innovation , Bank Products & Services , Insurance Products & Services , Operational excellence/Cost efficiency , Digital/Mobile channels



Retail banking in the Middle East
Regional review Accenture, January 2017
Banks in the Middle East are making significant progress on their journey to digital transformation. An extremely dynamic marketplace brings a complex array of challenges for financial services providers,…

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



The case for digital mutation: How retail banks can become bionic at scale
Study BCG, January 2017
There’s little question that retail banks need to step up their digitization efforts. Customers demand it and margins depend on it. But retail banks need to become more than simply digital versions…

Keywords : Innovation , Operational excellence/Cost efficiency



Retail banking in Africa 2016: The digital transformation
Regional review Oliver Wyman, December 2016
African banks find themselves on a perilous path as they navigate the challenges presented by low banking penetration rates and a highly competitive market. But from these pressures are great opportunities.…

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



Digital transformation of the banking salesforce
Study Accenture, November 2016
Digital is radically transforming the banking network, generating a clear call to action for managers and HR to reshape the salesforce. The drivers for change include the migration of customers from branches…

Keywords : Operational excellence/Cost efficiency , Sales management , Digital/Mobile channels



Digital engagement and collaboration in wealth and investment management
Study Objectway, November 2016
Technology and digitalization are radically upending the wealth management industry and considerably challenge its value proposition. Wealth Managers should think of clients in terms of digital awareness…

Keywords : Operational excellence/Cost efficiency , Affluent/Private , Digital/Mobile channels



Getting big in small business banking
Study BCG, November 2016
Small businesses contribute roughly 5-10% of total revenues to banks per year on average. With such a substantial revenue pool one would imagine banks would be falling over themselves to service this…

Keywords : SME/Corporate

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.

Check out the Efma reports brochure for more information about the 2016 reports and the reports to come.

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