Our advice helps clients to make better decisions in the constantly evolving world of financial services.
Financial services face many challenges: regulatory change, political scrutiny, credit and sovereign debt market crises, new technologies, and changing consumer expectations. We know these pressures well and we can provide some of the answers.
What we do is defined by economics, which helps us focus on market dynamics: the behaviour of customers and competitors. It helps us design practical strategies and frame powerful regulatory arguments.
Our practice has the following capabilities:
Consumer insight: Our leading retail and consumer capability includes: customer-centric banking and insurance, behavioural economics, research and trial design, segmentation and loyalty.
Strategy and advantage: Truly understanding the sources of advantage, our practice covers corporate, business unit, customer and regulatory strategies.
Competition and regulation: World class competition capabilities, including regulatory brand, full inquiry support for EC and national authorities, and expert witnesses.
Economic and financial modelling and analysis: Rigorous and deep specialism in data mining (including big data sets), financial modelling, branch network analysis and econometrics.
While the issue of cross-subsidies has been central to many of the recent regulatory investigations into financial services, there has been remarkably little agreement about the existence and nature of these cross-subsidies.