MiCA, AI & the Digital Euro: What EU Financial Institutions Must Prepare for Next
1. Introduction The financial landscape in the European Union (EU) is undergoing a profound transformation driven by fintech innovations and digital advancements. From the rise of neobanks to the integration of artificial intelligence (AI) in financial services, digital finance is reshaping how consumers and businesses interact with banking and investment platforms. This article explores four […]
Optimising Model Risk Management (MRM)
1. Introduction All banks are now dependent on models, making model risk one of the fastest-growing risks facing the banking industry today. As financial institutions rely more on predictive analytics to guide critical decisions, managing model risk effectively has never been more crucial. Model Risk Management (MRM) helps manage operational, reputational, and regulatory risks by […]
Enhancing SFDR Compliance and Upgrading to Article 9 Status
Enhancing SFDR Compliance and Upgrading to Article 9 Status Overview Overview An asset manager aimed to upgrade its fund from an Article 6 to an Article 9 classification under the Sustainable Finance Disclosure Regulation (SFDR). The goal was to integrate sustainability objectives into its investment strategy which required transparent investor communications, and approval from the […]
Enhancing SFDR Compliance and Upgrading to Article 9 Status – Case study
Enhancing SFDR Compliance and Upgrading to Article 9 Status Overview Overview An asset manager sought to elevate its fund from an Article 6 to an Article 9 classification under the Sustainable Finance Disclosure Regulation (SFDR). This transition aimed to integrate sustainability objectives into the investment strategy, ensuring compliance with evolving regulatory standards and enhancing transparency […]
Addressing the 8th MaRisk Amendment Requirements with a Focus on IRRBB and CSRBB – (2)
Addressing the 8th MaRisk Amendment Requirementswith a Focus on IRRBB and CSRBB Overview Overview One of the largest development banks in Germany partnered with Aspect Advisory to secure independent expertise on the 8th MaRisk amendment. This project specifically targeted enhancements related to Interest Rate Risk in the Banking Book (IRRBB) and Credit Spread Risk in […]
Addressing the 8th MaRisk Amendment Requirements with a Focus on IRRBB and CSRBB
Addressing the 8th MaRisk Amendment Requirementswith a Focus on IRRBB and CSRBB Overview Overview One of the largest development banks in Germany partnered with Aspect Advisory to secure independent expertise on the 8th MaRisk amendment. This project specifically targeted enhancements related to Interest Rate Risk in the Banking Book (IRRBB) and Credit Spread Risk in […]
Trends Shaping the Financial Services Industry in 2025
1. Introduction The financial services industry proved to be a bellwether for economic health and innovation in 2024. Despite challenges such as geopolitical tensions, regulatory shifts, and rapid technological advancements, the sector displayed remarkable resilience. Key achievements included: Navigating Complex Geopolitical Risks: Institutions adapted to global uncertainties, ensuring financial stability and market responsiveness. […]
Risk based pricing methodology
How to develop a risk-based pricing methodology for lending german Overview Overview A multinational African-based bank sought to enhance its lending strategy by implementing a risk-based pricing tool. The objective was to develop and digitalise a methodology that enables the bank to determine client- and loan-specific pricing, ensuring a tailored approach based on the risk […]
Transactional Services
Reducing Cost Inefficiencies in Transactional Products and Services (TPS) Division – Outward Telematic Transfers (OTT) Overview Overview Aspect Advisory partnered with the Transactional Products and Services (TPS) division of a leading banking group to conduct a Proof of Concept (PoC) initiative focused on reducing cost inefficiencies associated with Outward Telematic Transfers (OTT). OTT services play […]
Loan Application Robot
From Data to Insights: How a Loan Application Robot Can Help to Unveil Patterns Across Thousands of Applications Overview Overview In today’s data-rich yet insight-deficient financial landscape, many institutions struggle to harness the full potential of their information assets. Our client, a large development bank in South Africa, faced a common yet critical challenge: while […]