Insights

Initialement prévue le 14 septembre dernier, l’entrée en vigueur de l’obligation « d'authentification forte » a finalement été repoussée de 36 mois en France. Les acteurs con...

by J. Soulard

Contrary to cryptocurrency, which is a virtual currency with cryptography and based on blockchain technology, fiat currency is “legal tender” backed by a “central government".

by S. Eyraud

After seven years of existence, the GRA team continues to explore the issues of risk quantification. This third booklet still demonstrates the perseverance of the GRA work and reflects ...

by B. Genest

This article focuses on Facebook Libra and its functionalities that should be considered in the near future. Patrick Bucquet, Marie Lermite and Ally Jo made a comparative analysis and d...

by P. Bucquet

This article focuses on the revised standardised methodology (SA-CCR) introduced by the regulator to compute the Exposure of derivatives for Counterparty Credit Risk management.

by B. Genest

A new research led by Chappuis Halder & Co. and Coqonut intended to estimate the number of active crypto traders worldwide.

by P. Bucquet

The arrival of autonomous cars brings a plethora of new risks and players into the value chain that insurers now need to consider when designing products for the future.

by S. Eyraud

Financial institutions may have to adjust their approach to financial crime risk management, even if they do not trade cryptoassets or currencies themselves.

by S. Eyraud

Proptech, or commercial real estate, radically transforms the way investors and developers think about and use property as an asset class.

by P. Bustamante

Artificial Intelligence, a real opportunity to put the human being back at the heart of banking relationships and restore value.

by Y. Gaillard

Tokenization as a business driver! This paper, extract of the CH&Co. yearly publication on Innovation for Financial Services, aims to provide an overview of the burgeoning crypto exchan...

by S. Eyraud

Several countries launched initiatives to reduce the regulatory burdens for start ups. From one regulatory authority to another, strategies differ.

by S. Eyraud

In the Basel framework of credit risk estimation, banks seek to develop precise and stable internal models to limit their capital charge.

by B. Genest

This CH&Co.' GRA paper introduces Basel II, the construction of risk weight functions and their limits in two sections

by B. Genest

Data: a source of future income and wealth? This is an extract of the CH&Co. yearly publication on Innovation for Financial Services.

by A. Beyot

Could initial coin offerings (ICOs) be the primary lever for kick-starting the blockchain evolution in financial services? Tokenization as a business driver…

by P. Bustamante

Cryptocurrency markets gained significant power over the past few years. Tax administrations in the US and European Union have demonstrated a strong interest in the matter too.

by P. Bucquet

By 2020, over 50% of medium to large companies will offer chatbot functionalities. What is the state of the art today?

by J. Soulard

Extract of the 2019 Fintech booklet with a focus on the three main effects of blockchain on wealth management : post-trade optimization, client on boarding, and expansion of the investa...

by D.Corrales

Although the number of players in the cat bond market keeps growing, many obstacles hinder its development.

by S. Eyraud

This 2019 booklet proposes ideas to “surf the token wave” in two ways : - Addressing the regulatory challenges in “Tokenization” as a lever for operational streamlining; - Grasp...

by S. Eyraud

Following recent financial crises and their disastrous impacts on the industry, regulators are proposing tighter monitoring on banks so that they can survive in extreme market condition...

by B. Genest

An example of reinsurance products’ pricing using machine learning methods. Over the last fifty years, numbers and costs of natural disasters have not ceased to multiply. Given this p...

by B. Genest

Standardized Measurement Approach for calculations of Op Risk Capital – By Benoît Genest, Hélène Freon, Mariya Benjelloun. CH&Co provides a response to the Basel Committee on Banki...

by B. Genest

DLT is a combination of existing technologies that together provide a trusted environment. This article is an extract of our 2018 CH&Co. Fintank yearly publication on Innovationfor Fina...

by S. Eyraud

Smart Automation can help optimize the current workforce and to rebalance the workload towards higher value-added tasks. 12th extract of the CH&Co.’s Fintank yearly publication.

by D.Corrales

Smart Automation can help optimize the current workforce and to rebalance the workload towards higher value-added tasks. This article is an extract of our 2018 CH&Co. Fintank yearly pub...

by S. Eyraud

In our modern societies, we often take for granted the ease of access we have to credit and banking services. However, according to the World Bank, this is not the case for half of the ...

by S. Eyraud

Despite all testing, it is still a challenge to determine how the many complex parts of the genome work together in human health and disease. This article is an extract of our 2018 CH&C...

by S. Eyraud

In a rapidly changing environment where users expect real-time access to services, Robo- Advisor digital asset management platforms are a notable entry into the world of asset managemen...

by S. Eyraud

RPA in the Financial Services industry can extend the creative problem-solving capabilities and productivity of human beings and deliver superior business results. This article is an ex...

by S. Eyraud

Innovation is a lever to redesign a bank or insurance company, through all dimensions, not only products. This article is an extract of our 2018 CH&Co. Fintank yearly publication on Inn...

by S. Eyraud

This article is an extract of our 2018 CH&Co. Fintank yearly publication on Innovation for Financial Services.

by S. Eyraud

InsurTech – the sub-segment of FinTech addressing the current challenges and opportunities in the insurance market – is revolutionizing the classic business model of insurance with ...

by S. Eyraud

Mobile Banks have raised more capital together than any other FinTech sector in Europe. This article is an extract of our 2018 CH&Co. Fintank yearly publication on Innovation for Financ...

by S. Eyraud

The digital revolution will completely reshape the Financial Services Industry, namely through Big Data and Robotic Process Automation. This article is an extract of our 2018 CH&Co. Fin...

by S. Eyraud

Extract of our CH&Co. Fintank yearly publication on Innovation for Financial Services.

by S. Eyraud

This paper outlines a practical roadmap to realising cost savings, delivering a material reduction in the volume and complexity of models by outlining five key principles of model optim...

by B. Genest

CH&Co provides a response to the Basel Committee on Banking Supervision’s consultative document based on the public data communicated by the Bank for International Settlements.

by B. Genest

The purpose of the Fundamental Review of the Trading Book (FRTB) is to cover shortcomings that both regulations and internal risk processes failed to capture during the 2008 financial c...

by B. Genest

What lies behind this underrated financial ratio. The objective of this article is to provide a new angle to the study of RWA (Risk-Weighted Assets) density.

by B. Genest

Three years since its inception, the GRA team continues to thrive, develop and mature. This second booklet demonstrates the perseverance of our work. It also reflects the numerous quest...

by B. Genest

The objective of this article is to provide a new angle to the study of RWA density. The worth of this ratio, created and largely used by financial analysts, has long been underestimate...

by B. Genest

How to manage IRRBB considering the Monetary Policy and the new regulation. This white paper focuses on understanding how current market conditions (low interest rates) can affect banks...

by B. Genest

In a context, where banks are looking to improve their Return on Equity and supervisors strengthening their positions, this whitepaper aims to provide clues for optimizing Post-Scoring ...

by B. Genest

Banks' product offering has become more and more sophisticated with the emergence of financial products tailored to the specific needs of a more complex pool of investors.

by B. Genest

Methodology that diffuses dynamically the stress on the credit rating scale while considering the performance of the credit score.

by B. Genest

Only one year after its creation, the GRA team has been completely transformed. Surpassing all of the original ambitions, the team now stretches over three zones (Europe, Asia and the U...

by B. Genest

This CH&Co. GRA paper shows how the risk failure may come.

by B. Genest

By David Rego & Hélène Freon, supported by Matthieu Sachot & Benoit Genest. The purpose of this paper is to understand how the current financial landscape shaped by the crises and new...

by B. Genest

A response to repeated requests from various players in the market.

by B. Genest

This CH&Co. GRA paper analyzes and studies the standardized approach of CVA Risk

by B. Genest