It’s an exciting time to be a retail bank of any size doing business in Africa.  The continent’s middle class is growing, according to consultancy Deloitte. Retail banking in sub-Saharan Africa is expected to grow 15% per year. And many countries have very little retail banking penetration, says Th ...

EFS

Today’s consumer wants to go to his or her own way. The younger they are, the more they wish to undertake the consumer journey alone. A full 70% expect companies to have websites with self-service options. And companies that comply—even those in non-e-commerce businesses—see significant results: A t ...

EFS

Between strict regulations, rising NPLs and crunches on credit, financial institutions around the world are facing a hard fact: having delinquent accounts on your books has become increasingly probable. Faced with a new normal, even your best collectors could be scrambling to succeed in a market th ...

EFS

It’s no secret that the market currently makes delinquent portfolios and non-performing loans (NPLs) more probable.  Risk mitigation is a must to combat rises in NPLs, increased regulation and general uncertainty. After all, the cost of risk is high. Elevated risk levels drag your portfolios furthe ...

Modern collections success doesn’t need to be rocket science: A specialized collections software solution helps organizations collect more and improve recovery efficiency. But there’s a catch.  Many of these systems are not configured to be used by everyone. They’re only truly usable by IT speciali ...

EFS

It’s time to wake up and realize that your customer has changed. They want online service and communication, multiple ways to resolve debt obligations, and the ability to settle debts on their own terms, 24/7. That means your collections department needs to change with them. Here’s how. Collection ...

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This year is shaping up to be a roller coaster for European utilities. The sector is lagging behind the Stoxx Europe 600 index. Demand is falling in key markets. And prices are dropping. The market is doing its best to crush profits. But utilities themselves are contributing to the decline. This p ...

EFS

The rapid growth of the Islamic banking sector is good news for this branch of financial services. But some suggest that profitability remains a struggle. Consulting firm A.T. Kearney offers two recommendations to fix the problem: improve strategic positioning and maximize operational efficiency. S ...

Global changes in banking are having profound effects throughout the industry. Retail banking experts gathered at the most recent Middle East Retail Banking Summit to discuss these changes. The top three trends they identified were: The need to generate more revenue from existing business, in ord ...

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If Q1 2015 is telling telecoms something, it’s this: Prepare for change. Several industry trends are converging in a way that has serious implications for profits, customer retention and overall telecom health. As an avid telecoms follower, there are three insights I took away from company and indu ...

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EXUS provides specialized software solutions for financial institutions, banking, telecoms, utilities.
For more information about our products and services please contact:  info@exus.co.uk