Aspect Advisory

COP28 Dubai

Introduction As the world gears up for the 28th UN Climate Change Conference (COP28), we are reminded of the critical juncture we face in our collective fight against climate change. Nearly eight years after the historic Paris Agreement, COP28 stands out for hosting the first-ever “Global Stock Take” – a comprehensive assessment of global progress […]

Tokenization vs. Encryption

We’ve set out the most important things you need to know about data breaches, how they happen, and how tokenization and encryption are used to protect you against them. Introduction In the fast-evolving realm of data security, two titans currently dominate this space enhanced by the latest technological developments: Tokenization and Encryption. As organisations strive […]

California requires companies to report carbon emissions

California has just dropped a bombshell on the corporate world with the unveiling of The Climate Corporate Data Accountability Act, or as we like to call it, the “Green Giants’ Reality Check.” This game-changing law is a massive leap towards tackling climate change head-on, and it’s got businesses quaking in their eco-friendly boots. If you’re […]

European Sustainability Reporting Standards

1. What is it? The Corporate Sustainability Reporting Directive (CSRD) went into effect on January 5 2023 to reinforce the reporting requirements for social and environmental reporting and requires companies to make extensive, detailed disclosures about sustainability performance and related strategic implications. The aim of the CSRD is to bring sustainability reporting on par with […]

Greening the Financial Landscape: The Surge of ESG Regulations for Institutions

I. Introduction In today’s financial landscape, strong balance sheets and positive earnings forecasts are no longer the only factors that determine the success of financial services organisations. Stakeholders, including investors and customers, are increasingly evaluating firms based on their commitment to addressing broader economic and societal challenges. Environmental, social, and governance (ESG) considerations have become […]

Transactional Services

Reducing Cost Inefficiencies in Transactional Products and Services (TPS) Division – Outward Telematic Transfers (OTT) in Uganda Overview Aspect Advisory collaborated with the Transactional Products and Services (TPS) division of a leading banking group to execute a Proof of Concept (PoC) initiative aimed at reducing cost inefficiencies associated with Outward Telematic Transfers (OTT) within Uganda.  […]

Loan Application Robot

From Data to Insights: How a Loan Application Robot Can Help to Unveil Patterns Across Thousands of Applications Overview In an era where information is abundant yet often untapped, our client, a large development bank in South Africa faced an all-too-common predicament. Despite storing loan applications in spreadsheets, they struggled to uncover portfolio patterns and […]

Enterprise Risk Management Framework

Automation of Enterprise Risk Management Framework (ETR) – A news event triggered dashboard Overview Aspect Advisory was engaged in an initiative to accomplish a large DFI’s strategic objective of enhancing its Enterprise Risk Management Framework. As part of the deliverables, this required the creation of an interface for event management that notifies the Risk Management […]

Expected Credit Loss (ECL)

Automation of the Expected Credit loss (ECL) and Pricing tools for a Development Finance institution (DFI) Overview Aspect Advisory was engaged to enhance the Expected Credit Loss (ECL) models, Risk-based pricing capability, and IFRS9 reporting for a development finance institution. The primary objective was to transform the existing ECL calculation and Risk-Based pricing models into […]