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MIFID 2: the end of open design ?

The distribution of financial products has enjoyed a real Big Bang in Europe since the start of the new year, with the entry into force of the revised directive 2014/65/CE on Financial Markets, called MIFID 2. With a duty to provide much more information to the end client (in terms of both quantity and quality), how are independent financial management advisers and other management agencies going to cope with the extra collection and management of financial information and at the same time retain their competitive positions?Insurers and banking operators are already considering reducing their…

Framework and component store: application assembly or direct application - which model should be preferred?

Solutions aiming to increase developers' productivity entered the market in the 1990s. The appearance of numerous code generators or automatic programming supported sharing within development teams and allowed for assistance in modelling the business need, mapping HMIs (Human-Machine Interfaces), and helping developers manage access to databases.At that time, there was no DotNet, Java, or anything similar. The Internet didn't exist either, and the world of informatics was still getting its bearings in terms of language. A developer, properly speaking, was a creator of raw concepts equipped…

Life insurance: the flat tax will change the landscape!

The legislator has ratified the creation of a flat tax on capital income, within the framework of the parliamentary debates on the Budget Bill (BB) 2018. This single flat tax, at a rate of 30 %, will be the biggest upheaval in the French life insurance market since the 1998 reform.For Vermeg, the configuration of this new tax – application of the 30 % tax rate (fiscal charges and social charges included) if the total outstanding debt of the life insurance policy exceeds EUR 150,000 – will have consequences on the appeal of life insurance. With a reform applicable as of 27 September 2017,…

Faster! How to respond to the needs of the banking and insurance markets in real time

In an increasingly volatile economic framework, the very logic behind the design of insurance and banking products must be completely rethought in order to reach the time-to-market speed required for the pre-emption of new parts. The finished product no longer matters as much as its future adaptability to new needs, which are now changing too quickly.And it is this constant imperative for innovation that is shaking up the banking and insurance sectors. It is even taking priority over issues concerning design costs and the launch of new offers on the market. How can the different players…

Microservice and back office: two focal points for the insurance and finance software market in the next five years

Finance and insurance players have accumulated application tools over the past decade: some have several hundred of them, implemented internally layer after layer.Over the past 10 years, the digital revolution has put pressure on IT directors to make increasingly elaborate and intuitive web and mobile interfaces available to end customers. The digital revolution began with the appearance of websites, then web applications, then finally, mobile applications and connected objects.Absorbed by evolving needs and the need to appear 'modern' in a competitive world, a great many finance and insurance…

Blockchain: will asset management eventually become completely decentralised?

There is great excitement about the arrival of blockchain among those who consider the decentralisation of financial asset management as a remedy for the slowdown in its growth. And yet, the majority of asset managers seem to have finally overcome the hype generated by this promising technology and are now asking themselves the right questions: what are the current limits of blockchain? What are its regulatory requirements? And what are blockchain's priority development areas if we look at it from the end customer's point of view?Financial players are still essentialBlockchain should make…