Credit servicing – Much more than just a back-end process
5 June 2020
While credit origination is considered as a very customer-centric process, the credit servicing part that comes afterwards is usually considered as a purely operational, back-end process. At Capilever we believe however that a more customer-centric approach in the credit servicing lifecycle can bring considerable added-value and competitive advantage… Read more
Credit origination – A lot of evolution on the horizon
5 June 2020
While consumer credits are becoming more automated and user-friendly to originate (for customers via online channels or for bank employees) all other credits are often still very manual and labor intensive to originate. This blog tries to give a description of the different steps in an origination process and how they can be innovated… Read more
Social distancing & Financial distancing – New counterparty risk models
27 May 2020
One could argue, that in a similar way that social distancing can limit the epidemic spread in the current health crisis, applying correct counterparty risk measures can prevent the contagion and propagation of financial defaults. Not by excluding companies from doing business, but by helping them with specific measures, hence avoiding a more systemic economic collapse … Read more
Living a debt-free life : Utopia or realistic aspiration?
29 April 2020
Recent surveys indicate that the biggest aspiration of millennials today is not to buy a house or to get married, but to become debt-free. Younger generations want to become more flexible in their life-choices, having more freedom to change jobs, houses, etc. They have seen their parents being restricted in certain life choices by the debt they carried along… Read more
Are banks ready for the Corona emergency measures imposed by governments?
22 March 2020
Amid the Corona crisis, governments worldwide are urgently deciding on numerous actions to limit the economic impact of this unprecedented health crisis. Top priority in these plans is to help people and businesses overcome a period of low to zero income, which completely breaks their predicted liquidity forecasts. Such a shock in liquidity can even bring strong businesses on their knees, if no supporting measures are put in place … Read more
Are credits not too commoditized?
25 Feb 2020
Since 1 July 2007, the Belgian electricity market has been liberalized. While in the first years, only few consumers switched electricity provider, this has reached a new high this year. The electricity market has become fully commoditized and price has become the only differentiator. It’s interesting now to make the analogy with the banking sector … Read more
The best way to regain your customer’s trust
29 Jan 2020
After the 2007-2008 banking crisis, the trust of consumers in the banking sector reached an all-time low. For a sector built on the foundation of trust, this is alarming. But also a great opportunity! Banks which can rapidly regain the trust of their customers, are likely to attract new customers and better retain their existing customers … Read more
Can banks help to fundamentally redefine our notion of trust?
21 Nov 2019
Trust is the glue that holds society together. Historically we trusted people in our local community. Later this evolved to a centralized trust in large corporations and institutions, but recently this has shifted towards a more distributed trust, meaning that we sometimes need to place our faith in complete strangers … Read more
Being unique is not enough – how to assess the impact of a new banking solution
24 Oct 2019
When positioning a new solution, banks first have to analyse the business case, i.e. compare the costs of implementing, operating, marketing and selling the new product or service versus the increased revenues and reduced costs (directly measurable) and increased customer experience and brand value (indirect and hence more difficult to measure). As banks have the critical mass of their large existing client base, the cost of marketing the new solution is typically lower than for a new start-up positioning the same product or service … Read more
Banks that can maximally reduce financial risks in a user-friendly way can compete with any future tech player
24 Sept 2019
Banks are technology companies with a banking license ! This claim and similar claims can be read more and more in articles on trends in the financial services sector and is often used as an argument that banks will soon be replaced by Fintechs and Silicon Valley tech giants. At Capilever we strongly believe that IT is crucial for a bank and its importance can hardly be underestimated, but – call us conservative – we also believe that risk management is equally important as a bank’s core business … Read more
How collaboration with specialist providers can boost bank innovation
3 Sept 2019
Bank offerings and customer expectations are evolving fast. For each specific client need, specific solutions need to be built, requiring lots of investments, IP and expertise. To keep up, banks can’t afford to reinvent the wheel every time. Therefore they are opening up, and welcoming the win-win collaboration with specialist third parties that can help them improve their offering … Read more
Why lending against your investments is perfectly compatible with daily banking and PFM/BFM offerings
18 July 2019
Today’s bank customers want a fluent, end-to-end experience. Unfortunately most Online and Mobile banking platforms are still very silo organised, with typically modules for Daily Banking, Investments, Credits and Insurances. Even though this reflects very well the internal (IT) organisation of the bank, customers would prefer to have a more customer-oriented cockpit, where they can manage end-to-end solutions and not banking products … Read more
Democratizing asset based lending and how banks can protect themselves from systemic market risk ?
12 March 2019
A big advantage of the Liquid Asset Based Lending product is that customers can use the money for whatever purpose. This advantage for the customer can however also result in a big risk for the bank, when customers start using the money of the LABL to buy other assets, which are in their turn used as collateral for a next LABL loan. This is called investment leveraging and a valid usage of the LABL product.
In principle, the risk does not increase for the bank since each individual LABL credit request (by the customer) always contains coverage … Read more
Liquid Asset Based Lending (LABL) – a clear retail banking market opportunity
18 December 2018
Lending against liquid marketable assets like securities and bonds, has been around for quite some time. Nowadays, we find LABL or Lombard loans mostly in the private banking segment. High net worth individuals can borrow against some of their assets. In the corporate space this type of lending facility is also frequently available, offering flexible credit lines and working capital for large corporates. Finally a great opportunity is available in the retail and SME banking space … Read more
Welcome to our blog !
Welcome to the Capilever blog ! Our blog will give us the unique opportunity to share news and updates, while also offering a place for us to interact with our network.