Financial Services

Follow the

money

Financial Services is in flux. As digital technology transforms every walk of life, the lines between sectors blur – giving birth to new products, services and even entire industries, all underpinned by new forms of finance.

The changing flows of money through organizations and industries creates vast opportunities to innovate, with the potential to help any business operate like a bank and put capital to work like never before.

We help clients follow the flow of money to disrupt their own sector, creating new income streams and taking advantage of change to shift their role from passive actors in finance to active players.

Our expertise across finance and convergent industries means we can get to grips with your needs quickly and develop new products, services and business models from concept to launch at pace. And then create dynamic ecosystems that not only help you embrace disruption fast but seize new opportunities as they emerge.

With our open consulting approach, we bring world-leading talent together to solve your biggest real-world challenges. It’s about helping your organization move from legacy systems to cutting-edge – and accelerate new possibilities in finance.

How we help

Banking

Traditional banking players continue to face a multitude of challenges – from decreasing profit margins and changing customer expectations to increasing competition from fintechs and rising difficulties in credit collection since COVID-19. We focus on three core areas to address them: growth and innovation, improving management and operational transformation. We can design the innovation strategies you need to deliver the digitally-enabled banking services of the future and realize your growth ambitions. We can help you create and evolve your capabilities to provide a seamless, personalized experience for your customers across all channels. And by improving the way you manage your operations, we can maximize your performance, agility and resilience to ensure long-term success.

Insurance

With the technological landscape changing rapidly and customer expectations evolving just as fast, insurers must adapt to survive. For some that means developing customer-centric strategies that optimize their customer experience across all channels. For others, evolving their ecosystem and business models to make the most of emerging bancassurance opportunities or implementing organizational and governance mechanisms to ensure a more digital, agile, flexible and future-proof organization. Whatever the challenge, we draw on the breadth of our expertise to help you shape a simple, personalized and digital organization – ready to thrive in a converging, data-driven world.

Investment Management

The days of easy money are over. Investment firms must look beyond traditional profit levers and find ways to improve operational performance to create value. Whether you’re a private equity pursuing a single asset or a sovereign wealth fund looking to expand your portfolio, we help clients of every size and style optimize growth despite evolving demands. We understand the challenges you face and connect you to the people, skills and expertise required to help you realize value where others can’t. We focus on developing distinctive, well-informed value propositions that set you apart. And by using our technological expertise, we can help you identify and implement the innovations you need to de-risk your projects and pave the way for strong performance.

Sovereign Wealth Funds, Regulators & Financial Centers

From playing a critical role in stimulating local markets to spearheading economic growth and forging a better future for their nations, sovereign wealth funds, regulators and financial centers are becoming indispensable – especially in the Middle East. However, amid shifting government priorities, evolving global investment patterns and growing scrutiny, players in the sector must prioritize investment profitability and attract new investors. We can set you up for success with a wide range of proven solutions – from building a new payment infrastructure to unlock faster, more secure digital payment systems to helping you manage your portfolios more effectively to adapt and thrive as new possibilities emerge. We customize our offer to address the issue that matter most to you.

Fintech Payments & Digital Assets

Four distinct shifts are shaping the future of financial services: consumers moving to digitally-led propositions, new technologies radically disrupting existing models, regulatory pressures intensifying, and new competitors from different backgrounds entering the scene. All players are being forced to reconsider how they operate. Whether you come from the financial service ecosystem – or a completely different industry – we use the breadth of our experience across the financial services and fintech sector to help you develop robust, future-focused digital strategies that keep you ahead of innovation and meet customer expectations – while achieving sustainable long-term growth.

BANKING

INSURANCE

INVESTMENT MANAGEMENT

SOVEREIGN WEALTH FUNDS, REGULATORS & FINANCIAL CENTERS

FINANCIAL TECHNOLOGIES & DIGITAL ASSETS

Growth strategies

Creating long-term growth and value by helping you develop commercial strategies and integrated business models; or by fostering the development of joint ventures and alliances in new markets.

Innovation design

Helping you leverage upstream innovation to create breakthrough products and optimize your operations while developing new organizational capabilities.

Omnichannel development

Providing a range of services to optimize customer experiences across all your channels – including developing new strategies, aligning your value proposition to specific segments and channels, and redesigning the way customers access your services.

Customer management

Defining the value proposition, processes, capabilities and set-up you need to anticipate your customers’ needs and provide them with services that they value.

Operational efficiency

Enhancing your company's performance through a range of services – including restructuring your commercial network, ensuring regulatory compliance, and developing your IT systems.

Agile & lean organization

Transforming your organization into a truly agile and lean business – from your operating model and ways of working through to the integration of new technologies.

Digital strategy

Understanding your organization’s digital capabilities and developing a roadmap to help you achieve your vision.

Strategy & transactions

Identifying the ambition and direction of your organization and analyzing new untapped growth opportunities, defining the best way to seize them and providing you with transaction support where necessary.

Strategic IT advisory

Helping you harness the next-generation technologies and innovations that will help you maximize productivity and performance – and working with you to embed them across your operations.

Data & AI strategyc

Using data and AI as key strategic assets to make faster, more informed business decisions based on accurate and up-to-date information.

PMI & transformation

Supporting you in detailing and implementing various short-term improvement plans immediately after a transaction while developing the organizational glue and transformational leadership to create a high-performance culture.

Simplicity & efficiency

Streamlining and simplifying your insurance processes to reduce operational costs and improve the experience of your customers.

Talent development

Ensuring your people have the core knowledge, skills and development opportunities to retain your competitive advantage.

Strategy & organization

Setting the right strategy and rationale to help you identify which targets to invest in, and how best to communicate with them to generate and qualify incoming leads.

Deal structuring

Developing target lists of potential investment opportunities to help you develop – and gradually refine – a powerful equity story supported by compelling evidence.

Transactions

Providing you with the due diligence support you need to make a go/no-go decision on a specific deal – whether commercial, technical or operational.

Post transaction

Supporting you in detailing and implementing short-term improvement plans immediately after a transaction as well as managing post-merger integration.

Portfolio monitoring

Designing and implementing programs to help you optimize your portfolio throughout the period of your ownership.

Exit

Helping you manage every aspect of your exit – from developing the business plan and vendor due diligence to creating your information memorandum or handling arrangements for IPO.

National strategies

Helping banks and regulators develop national strategies to grow specific sub-sectors of the financial services industry.

Financial center growth

Designing and creating all the infrastructure necessary to enable the growth of your financial centers.

Investment company creation

Assisting governments in establishing investment companies to finance specific areas of the economy by providing comprehensive strategies and overseeing the entire implementation process.

Profitability optimization

Helping you diversify your revenue streams to optimize operational costs, mitigate risks, enhance financial performance and attract new investors.

Citizen-centric strategy development

collective capabilities of your ecosystem.

Investment management & asset management optimization

Helping you identify which assets to invest in to maximize the return and minimize the risk profile of the investment.

Digital transformation

Helping you drive change and build ecosystems that facilitate disruption – to improve your digital impact.

Agile transformation

Changing the way you work to improve collaboration across your organization and reduce time-to-market.

Bancassurance

Defining your strategy, increasing your operational efforts and engaging in commercial development activities to fully leverage bancassurance opportunities.

Open banking & ecosystems

Helping you diversify your range of services and/or products and integrate new partners to optimize your ecosystem.

Channels, client management or customer experience

Implementing end-to-end disruptive solutions across your organization to improve customer experience – from channel integration and CRM to developing propositions designed to improve access to banking.

IT disruption in financial services

Redesigning and simplifying your IT systems to improve communication, reduce integration challenges and help you adopt modular strategies.

Corporate & CIB

Helping you draft new value propositions - addressing your product and team structure, and increasing your share of clients.

Efficiency & shared services

Radically simplifying your approach to shared services and the adoption of technologies like RPA to drive efficiency within your organization.

Data

Establishing a well-structured data architecture and governance framework that helps you manage both internal and external data effectively to reduce risk, prevent fraud and help you make more informed commercial decisions.

Growth strategies

Creating long-term growth and value by helping you develop commercial strategies and integrated business models; or by fostering the development of joint ventures and alliances in new markets.

Innovation design

Helping you leverage upstream innovation to create breakthrough products and optimize your operations while developing new organizational capabilities.

Omnichannel development

Customer management

Defining the value proposition, processes, capabilities and set-up you need to anticipate your customers’ needs and provide them with services that they value.

Operational efficiency

Enhancing your company's performance through a range of services – including restructuring your commercial network, ensuring regulatory compliance, and developing your IT systems.

Agile & lean organization

Transforming your organization into a truly agile and lean business – from your operating model and ways of working through to the integration of new technologies.

Digital strategy

Understanding your organization’s digital capabilities and developing a roadmap to help you achieve your vision.

Strategy & transactions

Strategic IT advisory

Helping you harness the next-generation technologies and innovations that will help you maximize productivity and performance – and working with you to embed them across your operations.

Data & AI strategyc

Using data and AI as key strategic assets to make faster, more informed business decisions based on accurate and up-to-date information.

PMI & transformation

Simplicity & efficiency

Streamlining and simplifying your insurance processes to reduce operational costs and improve the experience of your customers.

Talent development

Ensuring your people have the core knowledge, skills and development opportunities to retain your competitive advantage.

Strategy & organization

Setting the right strategy and rationale to help you identify which targets to invest in, and how best to communicate with them to generate and qualify incoming leads.

Deal structuring

Developing target lists of potential investment opportunities to help you develop – and gradually refine – a powerful equity story supported by compelling evidence.

Transactions

Providing you with the due diligence support you need to make a go/no-go decision on a specific deal – whether commercial, technical or operational.

Post transaction

Supporting you in detailing and implementing short-term improvement plans immediately after a transaction as well as managing post-merger integration.

Portfolio monitoring

Designing and implementing programs to help you optimize your portfolio throughout the period of your ownership.

Exit

Helping you manage every aspect of your exit – from developing the business plan and vendor due diligence to creating your information memorandum or handling arrangements for IPO.

National strategies

Helping banks and regulators develop national strategies to grow specific sub-sectors of the financial services industry.

Financial center growth

Designing and creating all the infrastructure necessary to enable the growth of your financial centers.

Investment company creation

Assisting governments in establishing investment companies to finance specific areas of the economy by providing comprehensive strategies and overseeing the entire implementation process.

Profitability optimization

Helping you diversify your revenue streams to optimize operational costs, mitigate risks, enhance financial performance and attract new investors.

Citizen-centric strategy development

collective capabilities of your ecosystem.

Investment management & asset management optimization

Helping you identify which assets to invest in to maximize the return and minimize the risk profile of the investment.

Digital transformation

Helping you drive change and build ecosystems that facilitate disruption – to improve your digital impact.

Agile transformation

Changing the way you work to improve collaboration across your organization and reduce time-to-market.

Bancassurance

Defining your strategy, increasing your operational efforts and engaging in commercial development activities to fully leverage bancassurance opportunities.

Open banking & ecosystems

Helping you diversify your range of services and/or products and integrate new partners to optimize your ecosystem.

Channels, client management or customer experience

IT disruption in financial services

Redesigning and simplifying your IT systems to improve communication, reduce integration challenges and help you adopt modular strategies.

Corporate & CIB

Helping you draft new value propositions - addressing your product and team structure, and increasing your share of clients.

Efficiency & shared services

Radically simplifying your approach to shared services and the adoption of technologies like RPA to drive efficiency within your organization.

Data

MEET SOME OF OUR
TEAM MEMBERS

At Arthur D. Little, we help our financial services clients to anticipate pressing challenges and innovate to capitalize on the potential of an industry changing at pace.

View the full team

Martin Rauchenwald

Managing Partner, Vienna

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Alexander Katzenschlaeger

Principal, Vienna

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Jiri Steif

Managing Partner, Prague

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Fabio Matera

Principal, Rome

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Yoshiro Makita

Partner, Tokyo

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Shuji Okura

Principal, Tokyo

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Arjun Vir Singh

Partner, Dubai

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Zayd Raoof

Partner, Dubai

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Justin Tan

Partner, Singapore

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Joseph Huang

Principal, Taipei

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Borja de la Cuesta

Principal, Madrid

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Utku Öz

Partner, Istanbul

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