Results 1-10 of 16
Emerging markets in microinsurance
How to establish a foothold in the new market segment serving low income customers
Low income households feel the impact of adversity more heavily than most in society, yet have little access to affordable insurance products that could help to protect them. However, as insurance providers become increasingly aware of this unmet need, a new microinsurance industry is emerging. To gain a foothold in this market, insurers need to confront a number of challenges: What is the most appropriate operating model for this low-margin, high-volume segment? What type of products do low income consumers want? How can insurance products be distributed in a previously unserved market? Insurers that succeed in overcoming these challenges have the opportunity to tap a potentially vast new source of profit.
Released: August 2009
To download please login or register as a new user ADL_FinancialServices_2009_Microinsurance.pdf (.PDF, 670 kB)
Islamic finance comes of age
Joint opportunities for Western and Arabic financial institutions
With the recent announcement by the Saudi capital market of four IPOs in April 2009, Islamic finance is riding high. The traditional values of Islamic finance are growing in appeal for Western investors seeking a safe haven from the current financial storms. With capital market regulators in the Middle East working hard to improve the region’s regulatory system and to offer a wider range of Shariah-compliant investment vehicles, new opportunities are opening up. Arthur D. Little identifies the
markets and countries that Western financial institutions should focus on in 2009 if they do not want to miss out.
Released: April 2009
To download please login or register as a new user ADL_FinancialServices_2009_Islamic_finance.pdf (.PDF, 819 kB)
Banking on the go
Identifying and capturing value in mobile banking
The mobile phone is now one of the most important items consumers in Western markets – and increasingly in developing regions – carry with them. As some banks begin to exploit the mobile phone to offer customers services characterized by a previously unimaginable level of accessibility, convenience and personalization, a profound transition in the relationship between people and their finances is underway. This paper looks at how banks can convert this opportunity into value for their customers and shareholders.
Released: April 2009
To download please login or register as a new user ADL_FinancialServices_2009_Banking_on_the_go.pdf (.PDF, 431 kB)
Evolution of the species
Few IT departments are in good enough shape to meet the challenges arising from the current financial crisis. Their typically complex and inflexible systems generate high costs and hinder business innovation. Optimizing the IT sourcing model can provide a solution. Arthur D. Little proposes a service integrator approach: by outsourcing IT to a service integrator, companies can focus internal resources on core competencies, escape the complexity trap and position IT for a successful future.
Released: March 2009
To download please login or register as a new user ADL_Evolution_of_the_Species.pdf (.PDF, 1020 kB)
Tapping potential in Europe's card market
Cards are the fastest growing form of non-cash payment around the world, with both the number and volume of transactions growing by over 13% annually. Despite the current global economic crisis and particularly difficult conditions in the financial services industry, the European card market retains huge potential for growth - currently 80% of transactions in Europe are still made in cash. European card issuers can draw on trends in mature markets to identify the strategies they need to realize this potential. These include building more sophisticated reward programs, introducing enhanced services and developing targeted offerings for different segments.
Released: March 2009
To download please login or register as a new user ADL_Tapping_potential.pdf (.PDF, 539 kB)
Survival of the Fittest
After years of record growth, the European leasing market will see a projected negative growth of about minus ten per cent in 2009 and the number of leasing providers is set to decrease by up to 30 per cent over the next five years. A turbulent market environment, combined with slowing investment, reduced liquidity and cost of funds issues, all combine to create that background against which only the best companies will prosper. Which players will survive and what business model do they need to adopt in order to succeed?
Released: February 2009
To download please login or register as a new user ADL_Survival_of_the_Fittest.pdf (.PDF, 1.15 MB)
Sleeker by Design
A survey conducted by Arthur D. Little ranks 50 major European insurance companies on cost-efficiency and takes a closer look at the strategies adopted by these top performers to achieve their high ranking positions.
Released: December 2008
To download please login or register as a new user ADL_Sleeker_by_Design.pdf (.PDF, 922 kB)
Six Habits of Highly Efficient Insurers
Efficiency in Europe's insurance industry has improved significantly in recent years. At first glance, these improvements might seem to be the result of high-profile programs to reduce costs and increase operating profits. However, closer inspection shows that the most efficient companies are, in fact, likely to adopt a far broader range of strategies to achieve their efficiency targets. A study by Arthur D. Little has identified six key areas that the most efficient companies focus on in order to drive down the cost of generating income from premiums.
Released: December 2008
To download please login or register as a new user ADL_Six_Habits_of_Highly_Efficient_Insurers.pdf (.PDF, 1.52 MB)
Driving Banks' Value Through M&A
Strategic Mergers and Acquisitions are Reshaping European Banking
The crisis in the financial markets is providing additional momentum for already increased M&A activity, with a number of sizeable institutions suddenly up for sale. How can banks manage post-merger integration successfully to realize true growth in value?
Released: November 2008
To download please login or register as a new user ADL_Driving_Banks_Value_Through_MA.pdf (.PDF, 299 kB)
Microfinance on the Rise
A Socially Inpsired Business Model about to Emerge into an Asset Class
Microfinance has already reached millions of households worldwide. This practice of extending small loans to very poor people for self-employment projects does not limit itself to third world countries, but can also be found increasingly in European countries. Too often lending to the financially challenged is being confused with the bad mortgage dilemma in the US. This is highly unjustified, since most microfinance institutions (MFIs) actually surpass the repayment rate achieved by traditional lending institutions and exhibit promising risk/return ratios. As a result of the unmet demand for microfinance which is estimated to stand at around 0 billion, microfinance looks set to emerge as a significant new asset class.
Released: November 2008
To download please login or register as a new user ADL_Microfinance_on_the_Rise_02.pdf (.PDF, 610 kB)