Banking

by Stephen Greer, May 23, 2017
Vendor Reviews
Global, North America

Abstract

Over the past 5 to 10 years, these concerns over e-signatures have almost entirely disappeared as the market has reached a broad consensus related to their value.

Celent has released a new report titled Transforming the Signature: E-Signature Vendors in Banking. The report was written by Stephen Greer, an Analyst with Celent’s Banking practice.

Celent is a research and advisory firm dedicated to helping financial institutions formulate comprehensive business and technology strategies. Celent publishes reports identifying trends and best practices in financial services technology and conducts consulting engagements for financial institutions looking to use technology to enhance existing business processes or launch new business strategies. With a team of internationally based analysts, Celent is uniquely positioned to offer strategic advice and market insights on a global basis. Celent is a member of the Oliver Wyman Group, which is a wholly-owned operating unit of Marsh & McLennan Companies [NYSE: MMC].

Media Contacts

North America
Michele Pace
mpace@celent.com
Tel: +1 212 345 1366

Europe (London)
Chris Williams
cwilliams@celent.com
Tel: +44 (0)782 448 3336

Asia (Tokyo)
Yumi Nagaoka
ynagaoka@celent.com
Tel.: +81 3 3500 3023

Table of Contents

Executive Summary

1

Overview of E-Signatures

2

Technology Summary

8

Recommendations

15

Appendix 1A: E-Signature Vendors

17

Adobe Systems Inc.: Adobe Sign (an Adobe Document Cloud Solution)

19

AlphaTrust Corporation: PRONTOSign

23

Barracuda Networks: SignNow

27

DocuSign: DocuSign Signature

31

eOriginal: eOriginal Signature

35

eSignLife by Vasco: eSignLive

39

Euronovate SA: Euronovate E-Signature Platform

44

Kofax: SignDoc

48

Namirial, Spa : SIGNificant, xzymo, eSignAnywhere, and Graphosign

52

SIGNiX, Inc.: SIGNiX MyDoX

56

Wolters Kluwer E-Sign

60

Leveraging Celent’s Expertise

64

 

Support for Financial Institutions

64

 

Support for Vendors

64

Related Celent Research

65

by Zilvinas Bareisis, May 18, 2017
Industry Trends
Global

Abstract

The Internet of Things will change how commerce and transactions are conducted, and in turn will require changes in payments.

 

Celent has released a new report titled Payments and the Internet of Things: Opportunities and Challenges. The report was written by Zilvinas Bareisis, a Senior Analyst with Celent’s Banking practice.

Celent is a research and advisory firm dedicated to helping financial institutions formulate comprehensive business and technology strategies. Celent publishes reports identifying trends and best practices in financial services technology and conducts consulting engagements for financial institutions looking to use technology to enhance existing business processes or launch new business strategies. With a team of internationally based analysts, Celent is uniquely positioned to offer strategic advice and market insights on a global basis. Celent is a member of the Oliver Wyman Group, which is a wholly-owned operating unit of Marsh & McLennan Companies [NYSE: MMC].

Media Contacts

North America
Michele Pace
mpace@celent.com
Tel: +1 212 345 1366

Europe (London)
Chris Williams
cwilliams@celent.com
Tel: +44 (0)782 448 3336

Asia (Tokyo)
Yumi Nagaoka
ynagaoka@celent.com
Tel.: +81 3 3500 3023

Table of Contents

Executive Summary

1

 

Key Research Questions

1

Introduction

3

 

Key Research Questions

4

Evolution of IoT: A Payments Perspective

5

 

Order Facilitators

5

 

Commerce Orchestrators

7

 

(Semi-)Autonomous Economic Agents

8

Preparing to Capture the IoT Opportunity: Selected Payments Industry Activities

10

 

Turning “Things” into Payment Devices

10

 

Connected Homes and Cars

12

 

Enabling Connected Commerce

13

Glimpsing Beyond Payments:  IoT and Banking

17

Leveraging Celent’s Expertise

19

 

Support for Financial Institutions

19

 

Support for Vendors

19

Related Celent Research

20

Branch Transformation Panel Series Part 6
by Bob Meara, May 17, 2017
Other
North America

Abstract

Branch count will go down in the next two years, but large banks will cut branches while small banks add branches.

Celent has released a new report titled Anatomy of Branch Transformation in the Short Term: Branch Transformation Panel Series Part 6. The report was written by Bob Meara, a Senior Analyst with Celent’s Banking practice. 

Celent is a research and advisory firm dedicated to helping financial institutions formulate comprehensive business and technology strategies. Celent publishes reports identifying trends and best practices in financial services technology and conducts consulting engagements for financial institutions looking to use technology to enhance existing business processes or launch new business strategies. With a team of internationally based analysts, Celent is uniquely positioned to offer strategic advice and market insights on a global basis. Celent is a member of the Oliver Wyman Group, which is a wholly-owned operating unit of Marsh & McLennan Companies [NYSE: MMC].

Media Contacts

North America
Michele Pace
mpace@celent.com
Tel: +1 212 345 1366

Europe (London)
Chris Williams
cwilliams@celent.com
Tel: +44 (0)782 448 3336

Asia (Tokyo)
Yumi Nagaoka
ynagaoka@celent.com
Tel.: +81 3 3500 3023

Table of Contents

Executive Summary

1

 

Key Research Questions

1

Short-Term Priorities and KPIs

3

Network Composition and Density

6

 

Network Composition

6

 

Network Density

8

Growing the Ranks of Digitally Directed Customers

13

 

Attitudes Toward Digitally Directed Customers

13

 

Tactics to Increase Digital Utilization

14

ATM Initiatives

17

Recommendations

19

Appendix I: Panel Demographics

20

Appendix II: Survey Instrument

21

Leveraging Celent’s Expertise

26

 

Support for Financial Institutions

26

 

Support for Vendors

26

Related Celent Research

27

Fintech Americas 2017

: Miami, Florida
: October 5, 2017
: Juan Mazzini, Banking, Insurance, Wealth Management
Latin America

Now in its 4th year, Fintech Americas has established itself as an industry leader in helping bankers and
financial professionals transform their organizations into more agile, technology-driven companies by

REPORT PREVIOUSLY PUBLISHED BY OLIVER WYMAN
May 9, 2017
Industry Trends
Global

Abstract

The US mortgage industry has changed dramatically since the global financial crisis. While much of banking has continued its decades-long consolidation, the post-crisis origination market has been characterized by increasing fragmentation as well as the resurrection of nonbank lenders. As the industry moves forward, players must consider strategic positioning in an environment marked by an accelerating pace of change.

Celent is a research and advisory firm dedicated to helping financial institutions formulate comprehensive business and technology strategies. Celent publishes reports identifying trends and best practices in financial services technology and conducts consulting engagements for financial institutions looking to use technology to enhance existing business processes or launch new business strategies. With a team of internationally based analysts, Celent is uniquely positioned to offer strategic advice and market insights on a global basis. Celent is a member of the Oliver Wyman Group, which is a wholly-owned operating unit of Marsh & McLennan Companies [NYSE: MMC].

Media Contacts

North America
Michele Pace
mpace@celent.com
Tel: +1 212 345 1366

Europe (London)
Chris Williams
cwilliams@celent.com
Tel: +44 (0)782 448 3336

Asia (Tokyo)
Yumi Nagaoka
ynagaoka@celent.com
Tel.: +81 3 3500 3023

Table of Contents

1. Shifting Sands and Crumbling Towers

3

2. Different Strokes for Different Folks

11

3. Digital Mortgage Nirvana

18

4. The Future of Technology in Mortgage Innovations

28

5. A Model for Efficient Mortgage Servicing

36

Four things Financial Institutions get all wrong about chatbots (and how to get them right)

:
: June 6, 2017
: 11:00 AM - 12:00 PM EDT
: Daniel Latimore, Banking
Global
Banking

Chatbots can reduce costs, improve the customer experience, and reduce errors – they can even clean your oven! Or so goes the hype... As an increasing number of financial institutions are experimenting with chatbots – what are banks getting right about bots and what are they getting wrong? What can we learn from these early mistakes?

Digital Banking

: Austin, TX
: June 12, 2017
: Daniel Latimore, Banking
North America
Banking

At Digital Banking this year, the leaders who are creating state-of-the-art apps, chatbots, authentication and internet-of-things applications will tell us how they do it. The issues will be debated, like how and with whom to share account data and whether or not to try to compete with top-rated mobile wallet apps. And the brightest minds in the industry will be on hand to share ideas, network and collaborate

2017 Retail Banking Forum

: Hong Kong
: July 26, 2017
: Eiichiro Yanagawa, Banking
Asia-Pacific
Banking

With the resounding success of 2016’s round across cities in Southeast Asia, we are proud to bring back Asian Banking & Finance Magazine's Retail Banking Forum for year 2017.

With Asia's retail banking industry facing various challenges, Asian Banking and Finance seeks to bring together the region’s bankers and thought leaders again this year with the aim of providing a platform that is conducive for intelligent discussions.

Blockchains and Artificial Intelligence Workshop

: Tokyo
: June 28, 2017
: Eiichiro Yanagawa, Banking
Asia-Pacific
Banking

In this workshop, Eiichiro Yanagawa, Senior Analyst at Celent, will focus on Blockchains and artificial intelligence, which are the two major emerging technologies that are rapidly adopting in the banking industry.

By participating in this workshop, you will understand the basics of Blockchains and how to introduce in various segments of the financial services industry.

In this workshop, he will also discuss the impact of using AI and how to utilize this technology.

Celent’s Corporate Banking Practice Welcomes Alenka Grealish

New York,
May 1, 2017

 

Celent’s Corporate Banking Practice Welcomes Alenka Grealish

 

Celent is a research and advisory firm dedicated to helping financial institutions formulate comprehensive business and technology strategies. Celent publishes reports identifying trends and best practices in financial services technology and conducts consulting engagements for financial institutions looking to use technology to enhance existing business processes or launch new business strategies. With a team of internationally based analysts, Celent is uniquely positioned to offer strategic advice and market insights on a global basis. Celent is a member of the Oliver Wyman Group, which is a wholly-owned operating unit of Marsh & McLennan Companies [NYSE: MMC].

Media Contacts

North America
Michele Pace
mpace@celent.com
Tel: +1 212 345 1366

Europe (London)
Chris Williams
cwilliams@celent.com
Tel: +44 (0)782 448 3336

Asia (Tokyo)
Yumi Nagaoka
ynagaoka@celent.com
Tel.: +81 3 3500 3023

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