The story Only a decade after the Great Recession, danger seems to be looming once again. In his parting shot before stepping down as Germany’s Minister of Finance, Wolfgang Schäuble warned that spiralling levels of global debt and liquidity present a big risk to the world economy. “Economists al ...

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Old models are crumbling while new models, powered by emergent technology, are replacing them. Uber, Airbnb, Deliveroo – each provides a recognisable service in a new way. Financial Services are not immune. The UK’s Open Banking legislation came into force on January 13, 2018. This was the second p ...

The banking and finance sector is ablaze with chatbots. Bank of America, HSBC, Wells Fargo, Swedbank, Capital One – these are just a few examples of major banks that have (or are set to) release customer service chatbots. For banks, bots are a cost saving; for customers, they are a simple and insta ...

The banking and finance sector is ablaze with chatbots. Bank of America, HSBC, Wells Fargo, Swedbank, Capital One – these are just a few examples of major banks that have (or are set to) release customer service chatbots. For banks, bots are a cost saving; for customers, they are a simple and insta ...

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It may be ten years since the global financial crisis shook the world, but banks and consumers are still grappling with the repercussions. With multiplying non-performing loans, limited credit availability, and customer debt rising rapidly, debt collections and credit risk management have become a ...

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The last decade has seen a tremendous emphasis on customer service and convenience in banking. Today, customers are able to bank online – and this doesn’t mean just checking their balance. They can make payments, save, apply for loans; all at the touch of an app icon. It’s strange to see how far l ...

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When it comes to technology, early adoption doesn’t always lead to ongoing efficiency. Britain’s railway system, for example, is the oldest in the world, with wagonways first built in the 1950s. Now, though, the system is out of date and proving tricky to improve. Just 34% of British train lines ar ...

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2018 is a huge year for the banking and finance sector, both for large institutions and individual citizens. In Europe, Brexit is on the horizon. In the US, consumer spending is set to slow as the growth rate of real disposable income also slows. China’s debt bubble looms large while ‘Political inst ...

Debt collections is in trouble - especially when it comes to delinquent credit. According to figures from the International Monetary Fund’s Global Financial Stability Report, non-performing loans make up 3.925% of total gross global loans. While this figure is down from its high of 4.064% in 2014, ...

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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