Banking & Capital Markets

The bank of the future will integrate disruptive technologies with an ecosystem of partners to transform their business and achieve growth.



Our latest thinking

Sustainability questions for Australian FI boards

5 sustainability questions Australian financial institution board members should be asking

Consumer Data Right

Complying with the Consumer Data Right (CDR) is complex, but it paves the way for enhanced customer experiences and personalized offerings.

How GenAI is transforming operations in APAC banks

In this episode, industry leaders discuss how banks can use GenAI to enhance customer service, streamline operations and stay ahead of fraud. Learn more.

16m 13s

How artificial intelligence is transforming financial services

At EY, we bring together deep business insights, industry knowledge and a strategic ecosystem to help you embrace the opportunities presented by generative AI. In this video series for Australia and New Zealand financial services, some of our AI practitioners discuss how you can reimagine every aspect of your business.

Why today’s banking CRO must be master of many trades

The EY/IIF global risk management survey results surface new challenges faced by today’s CRO as their strategic and tactical remit expands. Read more.

How financial firms can prepare for the 2024 regulatory landscape

Financial services firms will need to prioritize both event-driven and existing regulations to capitalize on untapped opportunities. Learn more.

How increased trust and transparency can unlock growth

Explore the EY Global Insurance Industry Outlook. Learn more.

How government can keep Australian fintechs powering the economy

The eighth EY FinTech Australia Census finds the sector needing new focus to continue to drive economic growth and remain a world leader.

Five priorities for harnessing the power of GenAI in banking

For banks with the right strategy, talent and technology, GenAI can transform operations and help reimagine future business models. Learn more.

How can the net zero transition create a nature-positive advantage?

Explore how Australia’s net zero goals could support a nature positive economy, biodiversity conservation, environmental protection and sustainability.

How can Asia-Pacific banks attract Gen Z to be future banking leaders?

Attracting Gen Z talent toward future leadership roles in Asia-Pacific banks – here are two approaches that leadership should consider.

Soumee De + 1

Major Australian banks’ 2023 full-year results: the hunt for growth

The Australian major banks have posted strong full-year earnings. Despite highly competitive pricing during the year, cash rate rises flowed through to higher revenues and expanded net interest margins. The increased earnings also underpinned improved return on equity (ROE) for the banks.

Artificial Intelligence

EY.ai - a unifying platform

How COP28 can inspire meaningful climate action

This episode explores the upcoming COP28 and the first-ever Global Stocktake to assess climate change progress across the world. Listen now.

26m

How should Asia-Pacific banks push the frontiers of transformation?

Current thinking around innovative transformation and how regional institutions are futureproofing themselves for success.

EY Financial Services Law Webcast Series - October 2023

In this webcast, our EY Panellists discussed recent legal and regulatory developments impacting financial services professionals, with a particular focus on climate change and sustainability.

EY Nexus: business transformation platform for financial services

EY Nexus, a transformative platform, accelerates innovation, unlocks value in your ecosystem, and powers frictionless business.

IFRS 17 – now we are live and what’s next?

IFRS 17 – now we are live and what’s next?

How Australia’s financial institutions are approaching CPS 230 on Operational Risk and Resilience

In August 2023, 400 FS leaders joined an EY webcast to discuss how Australian institutions are tackling CPS 230 compliance.

How to strengthen cyber resilience in Asia-Pacific banks

In this episode, we explore the role of cyber resilience as a critical strategic priority for Asia-Pacific banks. Learn more.

27m 1s

EY Financial Services Law Webcast 2023

At the first virtual event in our Financial Services Law Webcast Series for 2023, our EY specialists discuss recent legal and regulatory developments impacting financial services professionals.

Major Australian banks’ 2023 half-year results: Walking the tightrope

The Australian major banks delivered positive half-year results, with higher earnings pushing up return on equity. Cash rate rises drove higher revenues and net interest margin expansion, and a resilient Australian economy continued to support credit growth and credit quality.

Beyond disclosure: how to prepare for the next phase of the Design and Distribution Obligations (DDO)

The DDO regime is a game changer for Australia’s financial firms – even if they don’t realise it yet

Five ways to commit to customer centricity in banking transformation

An alarmingly high number of transformations are unsuccessful. Could a laser focus on customer centricity be the key to success? Learn more.

Who should pay for the cost of scams in Australia?

We need a fair compensation and protection model that efficiently defends Australians against scammers.

Using AI to improve a bank’s agent effectiveness

Leveraging the power of AI and machine learning, one bank mined sales agents’ calls for performance-boosting insights. Learn more in this case study.

IFRS 17 Insurance accounting changes in 2023

Insurers are underestimating the magnitude of the biggest insurance accounting change in decades.

If transformation needs to be bold, do banks have the right tools for success?

EY discussions with banking transformation leaders across the globe uncover six recommendations for overhauling organizational change. Learn more.

How bank CROs are responding to volatility and shifting risk profiles

The EY/IIF global bank risk management survey shows that banks must manage multiple interconnected risks and the impacts of external events.

Major Australian banks’ 2022 full year results: Navigating the path ahead

The major banks delivered a solid full-year result. While average NIM continued to decline year-on-year, rapid increases in the cash rate since May supported loan revenues and margins in the second half for most of the banks, as they actively managed mortgage and deposit pricing. Asset quality remained strong, with loan losses at low levels. Return on equity continued to trend upwards, reflecting earnings improvements.

Why Australian fintechs are sufficiently robust to weather the coming storm

FinTech Australia has continued its successful collaboration with EY Australia to help deliver this important piece of research. The Census remains the only detailed, industry-backed analysis of the Australian fintech industry, offering fine-grain detail about the industry’s increased maturity.

Law Webcast Series 2022

Stay up to date with the recent legal and regulatory developments impacting financial services professionals with a particular focus on Foreign Financial Services Providers and Australian Corporate Collective Investment Vehicles.

How the rise of PayTech is reshaping the payments landscape

PayTech’s relentless disruption of the payments landscape means that only PSPs that offer value beyond payments can compete. Learn more.

How APAC financial services leaders can accelerate tech transformation

APAC financial services are facing new challenges and opportunities for tech transformation. Discover what’s working and what’s holding organizations back.

8 areas of change for financial services regulatory policy in 2023

The EY 2023 Global financial services regulatory outlook highlights eight areas where policies are changing within the context of increased regulation. Read more.

Understand key challenges and benefits to ISO 20022 migration

The new ISO 20022 messaging standard will bring order to a disjointed payments landscape, but banks need to be prepared. Here’s what to consider.

Nine considerations for ISO 20022 migration

The ISO 20022 standard can help drive bottom-line results. Explore these considerations as you migrate to ISO 20022.

How banks can adjust to a landscape altered by the war in Ukraine

When global events move quickly and plans change, it is important to focus on the long-term implications for your business.

How will you reframe the future of advice if today’s client is changing?

Find out how wealth managers and private banks can enhance their clients’ lives using a blend of people and technology to deliver personalized advice.

How banks can find a winning position in the buy-now-pay-later market

As BNPL gains popularity with consumers and merchants, banks will need to carefully consider their position in this growing market.

Why workforce resilience is now a critical focus for bank CROs

The 11th annual EY/IIF global bank risk management survey reveals the growing importance of workforce resilience in the wake of COVID-19. Get the details.

Three ways to unleash the power of people in banking transformation

Banks need to adopt a fail-fast culture, actively engage employees and diversify employee backgrounds and skillsets. Learn more.

How banks are staking a claim in the embedded finance ecosystem

Finance in the experience age heralds a new era for customers and banks alike, with embedded finance the key to success. Learn more.

Four enablers for harnessing the power of PayTech

Payments providers need to consider customer experience design, risk, technology, and data and analytics to achieve smart growth. Read our latest article.

Why financial institutions should transform tax and finance functions

EY research shows banks, asset managers and insurance companies are reimagining their tax and finance functions. Read more.

If transformation needs to be bold, do banks have the right tools for success?

EY discussions with banking transformation leaders across the globe uncover six recommendations for overhauling organizational change. Learn more.

How banking on Gen Z talent will make or break the future of banking

To attract talent with tomorrow’s skills, banks will need to win over a Gen Z workforce. Learn more.

    Explore our case studies

    How a global FinTech captured growth in the SME segment

    A global Fintech captured growth in an opportunistic SME segment with a differentiated, holistic strategy. Learn more in this case study.

    Matt Cox + 2

    How privacy and consent built customer trust for a financial institution

    EY Nexus for Banking helped a financial institution with a privacy initiative that uses transparency to build trust and brand loyalty. Read the case study.

    Using AI to improve a bank’s agent effectiveness

    Leveraging the power of AI and machine learning, one bank mined sales agents’ calls for performance-boosting insights. Learn more in this case study.

    Case study: How smart technology helped Fiserv accelerate M&A strategy

    Multi-billion-dollar mergers are fraught with complexity, but smart digital platforms can accelerate your deal strategy from design to delivery. Learn more.

    See more, spend less: How to make the most out of your legal function

    EY teams helped a global bank embrace innovation to develop a legal operations platform to speed up their process and cost optimization. Learn more.

    How intelligent automation can empower employees to drive greater value

    A banking client wanted to automate some of their business processes: EY provided a route to a much more comprehensive vision of automation.

    How tax managed services can accelerate banks’ transformation programs

    Managed services are an alternative way for a bank’s tax and finance function to meet risk and governance responsibilities effectively.

    Using AI to augment pricing intelligence for banks

    How an AI-powered digital tool, Smart Advisor (SA), helped one bank deliver better client service while maximizing value creation.

    Matt Cox + 2

    How digital transformation is redesigning trade finance

    Banks that adopt an agile, design-based approach to digital transformation can boost the success of their trade finance functions.

    How to transform product development to outperform the competition

    EY Nexus is a cloud-based platform offering access to the most advanced technologies to launch new products, businesses and services.

    What banks can learn from tech companies on sales force transformation

    The EY team helped a Fintech company remodel its sales operations, uncovering many lessons for banks with sales function inefficiencies.

    Why real-time customer journey curation is the future of banking

    EY Nexus for Banking platform was key to transforming one traditional bank into a future-ready, digital bank of tomorrow.

    How technology is reducing trade finance risk and compliance costs

    EY’s Trade Risk Analytics Compliance Kit helps global banks to combine analytics with risk management to increase automation.

    How the right conversations can empower finance transformation strategies

    Companies need more open dialog about how to effectively implement new technology. Finding the headspace for these conversations is key.

    How a prudent cost reduction strategy proved integral to a bank’s growth opportunity

    We helped a leading global retail bank design a cost transformation strategy that delivered results.

    How a new technology platform can help banks unlock financing for SMEs

    The Cashbot platform offers banks an online invoice finance solution for SME clients.

    How a new technology platform is helping banks go digital

    The EY Impresto platform is a mobile-first, AI-optimized tool for addressing some of banks’ biggest challenges.

    Is your back-office holding your business back?

    Back-office operations must be capable of supporting evolving product development to help meet a business’s growth ambitions.

    How the world’s first behavioral bank is focusing on customer needs

    Improving customers’ financial health required a bold, new approach to building the world’s first behavioral bank.

    How both banks and customers can seize the upside of disruption

    Instead of shying away from disruption, one bank decided to embrace its benefits from the inside out.

    How a social media firm created Korea’s fastest growing bank

    In building Korea’s first mobile-only bank, kakaobank questioned the purpose of a banking business and created a people-first proposition.

    How Cognitive Investigator is taking a bite out of financial crime

    Discover how EY teams helped a global bank implement advanced technologies to improve quality and consistency as they fight financial crime.

      Discover EY Nexus for Banking and Capital Markets

      A transformative solution that helps banks design, build, launch and enhance propositions at the speed of their customers’ ever-shifting expectations. A mature solution with proven capabilities.

      EY named Market Leader in the HFS Horizons Report

      The Best Service Providers for Retail Banks, 2023 report.


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