Banking and Capital Markets

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

Disruption is creating opportunities and challenges for global banks. While the risk and regulatory protection agenda remains a major focus, banks must also address financial performance and heightened customer and investor expectations, as they reshape and optimize operational and business models to deliver sustainable returns. Innovation and business-led transformation will be critical for future growth. To remain competitive and relevant, every bank must embrace disruption and strategically build a better ecosystem — not a bigger bank.

 

Our worldwide team of industry-focused assurance, tax, transaction and consulting professionals integrates sector knowledge and technical experience. We work with clients to navigate digital innovation, new business models and ecosystem partnerships, helping banks become the nimble, responsive organizations that customers demand.




Four regulatory priorities to drive financial institutions' focus in 2025

 

A fragmenting global landscape and intensifying scrutiny of firms’ plans for managing disruptive events are among the key issues for firms

 

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U.S. Treasury central clearing: preparing for profound market structure change

 

The financial services industry is in a race to comply with the U.S. Treasury and Repo Markets central clearing mandate.

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Voice of the Treasurer Research

Our latest future-focused research explores the future of treasury management and the opportunities for banks.

 

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Our latest thinking on Banking & Capital Markets

The SEC's central clearing mandate: seven actions for March 2025 compliance

The SEC's mandate for central clearing of U.S. Treasuries requires immediate action to meet the initial March 31, 2025, compliance deadline. Read on.

25 Feb 2025 Neal Ullman

The future of credit risk management with EWS frameworks

Early warning system (EWS) frameworks provide proactive credit risk management for banks via key indicators and monitoring. Read more.

19 Feb 2025 Kenneth Chen

Why mortgage lenders should invest in home equity offerings

Mortgage lenders who invest strategically and adopt digital capabilities will capitalize on the growing demand for home equity lending. Learn more.

06 Feb 2025 Dan Thain + 1

Four regulatory priorities to drive financial institutions' focus in 2025

Our Global Financial Services Regulatory Outlook has four regulatory priorities to drive financial institutions' focus in 2025. Download the report.

13 Jan 2025 Christopher Woolard CBE + 2

How U.S. Treasury central clearing will reshape trading documentation

How U.S. Treasury central clearing will reshape trading documentation

08 Jan 2025 Jean-Paul Botha + 1

USTC Industry Considerations Report: key guide for SEC rule readiness

New SEC rule reshapes U.S. Treasury market structure, requiring central clearing to mitigate counterparty risk and improve market stability. Read more.

18 Dec 2024 EY Americas

10 ways the U.S. Treasury central clearing rule impacts technology

By future proofing their technology platforms, firms can turn compliance with the U.S. Treasury central clearing rule into a competitive advantage.

18 Dec 2024 Adam Hirsh + 1

How embedded payments can transform a utility into a growth driver

Embedded payments help nonfinancial services firms to deliver seamless in-platform transactions and tap into fresh revenue streams. Read more.

20 Nov 2024 Sara Elinson + 1

What to know about gaining access to U.S. Treasury central clearing

What market participants should consider in choosing a clearing access model for U.S. Treasury central clearing.

14 Nov 2024 Colin Egan + 1

KYC refresh: building an effective risk-based program

Businesses face challenges to refresh their KYC models to reduce costs and improve anti-financial crime risk management. Learn more.

08 Nov 2024 Don Johnson + 1

U.S. Treasury central clearing: preparing for profound structural market change

U.S. Treasury clearing: how market participants can prepare for the new mandate. Learn more.

31 Oct 2024 Adam Hirsh

Payments and bank fees: an $82b balancing act

Consumer fee income is crucial for banks and payment providers. At the same time, it’s a major driver of consumer dissatisfaction and churn. Learn more.

15 Oct 2024 Sara Elinson + 2

How banks can develop a winning strategy in cross-border payments

Our global payment leaders reveal strategies for banks to thrive in the dynamic, global cross-border payments market. Download the report.

14 Oct 2024 Sanjeev Chatrath + 2

Through an auditor’s lens: structured products valuation

Explore the auditor’s approach to structured finance product valuation, detailed in the EY insights that follow.

11 Oct 2024 Adam Bareham + 1

Payment throttling: a balancing act for managing intraday liquidity risk

Payment-throttling frameworks are essential to preventing intraday liquidity shortfalls and preserving banking institutions’ financial resilience. Learn more.

19 Sep 2024 Gaurav Kohli + 2

How auto lenders can reimagine themselves today for a world of change

The need for auto lenders to keep up as change accelerates amid uncertainty is driving companies’ efforts to refresh their approaches. Read more.

16 Aug 2024 Katie Johar + 6

Banking structure reports: what they are, why they matter

This regulatory reporting brief covers banking structure report basics, trends and industry challenges. Learn more in our full report.

31 Jul 2024 Vadim Tovshteyn + 1

How regional banks are transforming collateral management functions

Regional banks are enhancing their collateral management capabilities in response to shifting market dynamics. Learn more.

16 Jul 2024 Mark Nichols

Why first impressions count when redefining client onboarding for banks

Learn how banks can make onboarding both efficient for customers and effective in safeguarding against financial crime and other risks.

26 Jun 2024 Mark Flanagan

How small financial institutions can win consumer attention

How credit unions, regional banks and community banks can embrace the digital marketplace infrastructure model. Learn more.

14 Jun 2024 Edward Sander + 2

How pursuing GenAI can transform mortgage lending

By applying GenAI innovations across the lifecycle, mortgage lenders can gain a strategic advantage. Learn more.

03 Jun 2024 Sameer Gupta + 1

Impacts of Central Clearing of US Treasuries and Repo

In this webcast, panelists will discuss key themes and high-level requirements of the US Treasury and repo central clearing rules.

07 May 2024 | your local time

FR 2052a: report evolution and key challenges

This regulatory reporting brief covers the evolution and challenges of the Complex Institution Liquidity Monitoring Report (FR 2052a). Learn more.

18 Apr 2024 Vadim Tovshteyn + 1

Can core platform modernization position a bank for future success?

Case study: how one regional bank used core platform modernization to build a strong foundation for future profitability.

19 Mar 2024

The case for a modern transaction banking platform

The evolution of corporate treasury management needs presents an opportunity for corporate banks. Learn from an industry approach.

19 Feb 2024 Kasif Wadiwala

How to transition from a tactical to strategic adoption of ISO 20022

With ISO 20022 adoption lagging amid competing global deadlines, a successful migration may hinge on changing from a tactical to a strategic mindset.

16 Feb 2024 Jennifer Lucas + 1

How Gen Z’s preference for digital is changing the payments landscape

EY survey shows Gen Z embraces simple, seamless payment methods. Learn more.

18 Jan 2024 Jochen Kaempfer + 1

How can financial institutions modernize their fair-lending practices?

FIs that disregard fair banking are lagging behind FIs that enhance compliance procedures, lending models and data analytics to become more compliant. Read more.

21 Dec 2023 Dan Thain

Digital identity opportunities in financial services

Exploring the policy and regulatory trends shaping digital identity and opportunities for financial services companies in a changing payment landscape.

14 Dec 2023 38m 54s

    Explore our Banking & Capital Markets case studies

    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.

    27 Dec 2023 Matt Cox + 2

    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.

    14 Sep 2023

    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.

    17 Jan 2023

    After cloud migration, investment bank sees potential for big dividends

    A leading investment bank sought to move vital assets to the clouds by building an experienced, cross-functional team. Find out how.

    27 Sep 2022

    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.

    30 Oct 2020 Andrew Gilder + 4

    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.

    01 Sep 2020 Ryan Battles + 3

      Providing AI-driven personalized customer experiences in banking

      In today's fast-paced financial services industry, the importance of delivering exceptional customer experiences cannot be overstated.  Learn how financial services organizations can optimize and personalize customer experiences while driving business growth and success.


      The Banking & Capital Markets team


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