Capital Markets Advisory

Due to their size and scale, combined with their deposit taking capabilities, retail banks are the most complex and heavily regulated sector. Banks have faced ever increasing pressure to digitise and cut costs in the face of an increasingly interventionist regulator who seems to view retail banking more like a public utility. This has led to simplification and commoditisation of products and services in the face of competition from neo-banks and fintechs who are more agile, nimble and customer-centric.

Recent client work has included: