Financial Services Practice

For over 9 years, the Knowsys Banking & Securities Practice has served a wide variety of clients in retail and commercial banking, investment banking/brokerage, asset management, e-banking, call centers, consumer finance, securities, insurance, and diversified financial services. We work on the key challenges our clients face today: from growth and industry consolidation to operational efficiency and the full scope of regulatory and risk management.

Retail Banking

Our retail banking work spans holistic perspectives on the industry (at local, regional and global level), strategies for specific products (e.g., investments, mortgages, credit cards, bancassurance) and segments (mass market, affluent and small- and mid-sized business), and all competence areas in retail banking (corporate leadership, organization, marketing and sales, distribution, cost, operations, technology and credit). We help our clients identify state-of-the-art concepts and strategies, and implement action - from developing specific competencies (such as pricing and new channels) to major transformation programs over several years.

Wholesale Banking

We serve our clients in investment and corporate banking, trading and financial markets, and the securities services and processing areas. Our work encompasses: overall strategies for the wholesale business and for specific products, client segments or geographies; organizational issues (including ‘people and culture' and institutional processes); performance improvement (including sales force effectiveness, pricing, cost reduction, revenue enhancement, process redesign and outsourcing); and mergers and alliances (identifying, negotiating and implement mergers, acquisitions, joint ventures and alliances). With the support of our colleagues in specialist practices, we also undertake a wide range of functional issues for clients, including information technology, risk management, branding, and CRM.

Asset Management

We serve our clients on strategy issues – helping them to grow into new markets and segments and to manufacture or distribute distinctive alpha propositions. Our approach provides sustainable competitive advantage through investment performance, cost efficiency, product innovation or personalization of distribution. We support our clients in operations – in the design and implementation of superior processes, in the front and back office, covering research, portfolio management, risk management, operations and distribution. We serve them also in organization – developing the organizational structures and processes to support the alpha factory and the distribution business, and to attract and retain the talent required to manufacture and distribute investment products effectively.


Clients turn to Knowsys for a clear perspective on the local and global payments landscape, strategies for payments-related businesses, and implementation of strategies. We serve clients across a broad spectrum of retail and wholesale payments activities encompassing various instruments, access and delivery mechanisms, networks, and processes that facilitate the exchange of value between buyers and sellers of goods and services

Marketing and Sales

We help our clients address their core marketing challenges both in personal financial services and in wholesale banking. We assist with branding and brand management, using sophisticated proprietary techniques. We deploy our marketing spend effectiveness know-how to help clients find the most effective way to target their above- and below-the-line marketing expenditures. Our distinctive marketing experience extends to customer insights and market research techniques, as well as marketing organization.

Operations and Technology

We aim to create sustainable advantage from operations and IT, which typically account for 40-50 percent of total operating costs. Our client work substantially reduces the cost base and notably improves product/service quality and throughput time. We design and implement superior middle- and back-office operations processes. We assist in implementing new IT business solutions and in outsourcing or off-shoring of operations and IT. Studies range in scale from a small team doing initial competitive benchmarking to a large-scale, multi-month change program to achieve a quantum leap in IT and operational performance.

Risk Management

We advise clients in how to approach risk as a fundamental driver of overall strategy and bottom-line performance. We combine a deep understanding of specific risk factors with an integrated company-wide risk perspective, including an assessment of business implications. Major engagement themes are: risk measurement and management, risk taking strategies and capital management to be applied selectively to individual risk categories (credit, market, operational, reputational and business risk), as well as to the overall risk portfolio. We have experience in leading complex company-wide risk-related change through either mandatory compliance to regulation change or complex internal management programs.

Corporate Finance

We offer clients independent advice on the best way to grow and create shareholder value. Typical engagements include developing a long-term corporate transformation strategy; providing execution support for a merger, acquisition, or spin-off; and assisting in post-merger management to ensure the capture of maximum value from a transaction. Our banking-specific toolkit includes value-based management asset liability management, capital markets diagnostics, and M&A valuation.


We have broad experience in helping clients resolve the complex and intractable problems of organization. Our key areas of impact are: structure, design and governance to ensure models and processes that are robust, effective, and contribute to the creation of competitive advantage; talent, motivation and performance to help achieve higher level results, from stepping up management capabilities to designing strategic incentives to creating processes that enhance group energy and alignment; transformation, to accelerate and deepen innovation, manage change, and align corporate culture with business strategy; and global leadership to address the challenges of global and regional banks.


For an industry that's about managing risk, many business leaders in the insurance sector have not addressed the main risk they face: rapid rationalization in a post merger environment. Increasingly, investors are rewarding only distinctive players who provide high levels of transactional excellence.

The Insurance Practice serves clients across the full spectrum of insurance and asset management sectors. The practice knowledge domain includes all areas specific to risk and asset management, including underwriting, pricing, distribution, claims management, IT, operational effectiveness, and investment management.

In the P&C sector, we work with both personal and commercial lines carriers to identify and develop new business opportunities and to improve operational performance in an increasingly global arena.

We help Life clients shape distinctive strategies for the rapidly converging life insurance and asset management sectors and develop the executional excellence necessary for continued success.

Asset Management

In the asset management arena, our expertise and knowledge base embrace all elements of the business system, including fund administration, the investment management process, distribution, product development, and branding/marketing.



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