Banks have added huge staff numbers to cope with regulation and compliance. Consultants and regtech may eventually put this trend into reverse, writes Brian Caplen.
Latest articles from Brian Caplen
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Would modified MiFID keep Lloyd Blankfein in London?
November 21, 2017There has been talk of deregulating London to keep it competitive after Brexit. MiFID II would be a good place to start, writes Brian Caplen.
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Will there be an EU banking union in time for the next crisis?
November 14, 2017With the continuing problems of banks holding large amounts of sovereign bonds as well as high NPL levels, the prospects for completing an EU banking union are poor, writes Brian Caplen.
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Crypto is capital despite Dimon's rant
November 7, 2017JPMorgan CEO Jamie Dimon is among the critics of both Bitcoin and initial coin offerings. But, properly regulated, they can be an effective way to raise capital, writes Brian Caplen.
Ana Patricia Botín looks to maintain Santander's global momentum
November 1, 2017The executive chairman of Santander Group, Ana Patricia Botín, tells Brian Caplen about the bank's purchase of Popular in Spain, what its global strategy entails, how it is meeting digital challenges, and why staff behaviour is as important as delivering results.
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Digital or die: why banks are in last-chance saloon on ROE
October 31, 2017Return on equity remains a depressing story and only those banks embracing digital have any hope of turning things around, writes Brian Caplen.
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Making international payments at domestic prices
October 24, 2017The pressures being felt in the payments industry are set to continue as banks prepare for fees to go even lower. And, as Brian Caplen writes, it is mid-sized banks that are under the biggest threat.
Are bankers obsessed with regulation?
October 18, 2017A survey released at Sibos 2017 shows that bankers think the industry is being driven by regulation while fintech entrepreneurs think it is all about customer expectations. There is a message here, writes Brian Caplen.
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Be paranoid, invest or die
October 17, 2017The chilling message from Sibos 2017 is that banks need to invest in their payments infrastructure without the prospect of a return, writes Brian Caplen.
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US bank regulations thaw while Europe freezes
October 13, 2017In the US, regulators are opening up a dialogue with banks helping to foster growth, something their European counterparts can only look upon with envy, writes Brian Caplen.