Publications

Tomorrow’s world of finance in focus: read on to find out more about us and our ideas in academic research and business practice.

Overview of publications

Stay tuned with our current studies, topics and cases.

Publication

European Insurance Study 2024

The countries facing the greatest demographic challenges – and how insurance companies can respond to these

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zeb.market.flash. Issue #50: Interest rate turnaround 2.0 – banks need to adapt

This issue gives a compact overview of the most important developments in the global banking market in Q3 2024.

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European Asset Management Study 2024

The asset management industry is currently under considerable pressure.

Whitepaper Psychologische Sicherheit Schweiz Edition

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Psychological safety in organizations - Edition for Switzerland

Psychological safety is finding its way onto the agenda of decision-makers, also in the financial services industry. It promotes a positive corporate culture and thus the company’s success.

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zeb.market.flash. Issue #49: On track for success but complex subjects ahead

This issue gives a compact overview of the most important developments in the global banking market in Q2 2024.

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The impact of geopolitical risks on Swiss Banking

The current geopolitical situation is becoming increasingly uncertain. Geopolitical threats and actions are influencing financial markets, particularly affecting Swiss banks.

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European DLT and Digital Assets Study 2024

The study shows that many institutions have continued to drive their DLT/DA agendas - and that the window for hesitant financial institutions is closing.

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ESG in regional banks

In a world characterized by rapid change, regional banks are facing a multitude of challenges. One of these, which is increasing in importance, is the topic of sustainability or ESG.

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ESG implementation study: Europe’s banks under the microscope

Between ecological ambition and economic reality

Publication

Digital euro

Although uncertainties remain, banks can start preparing.

Publication

Psychological safety in organizations

Psychological safety is finding its way onto the agenda of decision-makers, also in the financial services industry. It promotes a positive corporate culture and thus the company’s success.

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European private client business 2024-2026

Economic potential from European private client business and implications for bank management.

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The bank branch of the future

By physically showcasing the bank’s value proposition, the branch of the future becomes a place for interaction, collaboration and community.

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zeb.market.flash. Issue #48: A splendid start into a potentially challenging year

Commercial real estate in turmoil and vulnerability of Western European banks.

Study

The role of capital markets in Germany

Five questions on the state of play, current opportunities, and themes for the future

Publication

European Asset Management Study

Our Study showcases a comprehensive analysis of current market dynamics within the European asset management industry.

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Bank management in turbulent times

Savings banks—Empower people and organization

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zeb.market.flash. Issue #47: Caution is advised despite positive outlook

2024 – transitional year to a new equilibrium.

Publication

Working Paper ELTIF 2.0

The not-so-new “ELTIF” distribution label is getting a new boost from the March 2023 amendment of the corresponding regulation.

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European Insurance Study 2023

Which insurers are growing while staying profitable – and why claims management is now becoming even more important.

zeb MarketFlash 46; Zinserhöhung; Rate hike cycle

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zeb.market.flash. Issue #46: Rate hike cycle coming to an end

The central banks’ balancing act of tackling inflation without stalling the economy is going into the next round.

Publication

Corporate Banking Study 10.0

This corporate banking study reveals how to take full advantage of these opportunities – and in which three fields of action you need to set the course for growth.

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Sustainability regulation in the financial center Switzerland

How banks in Switzerland can prepare for possible future regulations

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Bank crashes in 2023

Misfortune or systemic imbalance? Lessons and consequences of recent bank failures for banking supervision in the euro area.

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zeb.market.flash. Issue #45: Regulatory gaps between the U.S. and the euro area.

The banking turmoil in March 2023 caused some U.S. banks to fail, while euro area banks remained stable. Our detailed comparison reveals existing regulatory gaps between midsized U.S. banks and euro area banks.

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zeb.market.flash. Issue #44: Banking turmoil raises old familiar questions

The collapse of Silicon Valley Bank and Credit Suisse in March 2023 caused significant turmoil in global banking and beyond.

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Private Banking Study Austria 2022

Our analysis of the private banking market in Germany identified challenges and opportunities in times of crisis.

Publication

Process management study 2023

How can banks and savings banks develop sustainable process management that gets more out of it?

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Private Banking Study Germany 2022

Our analysis of the private banking market in Germany identified challenges and opportunities in times of crisis.

MarketFlash#43: Value drivers in banking

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zeb.market.flash. Issue #43: Value drivers in banking

With challenging times ahead, banks start to brace themselves amidst bleak economic outlook. But the question remains: is there a universal framework of value drivers?

Publication

RPA Study

Challenges and success factors for realizing the full potential of Robotic Process Automation.

Publication

CFO Study 2022

Empowering finance: The way to enable CFOs to play their full strategic role.

Publication

Insurance Study 2022

Which insurers are growing while staying profitable – and why claims management is now becoming even more important.

Publication

Retail ESG Study Austria

How banks can contribute to reducing the energy consumption of buildings – and benefit from it.

Publication

Retail Study Switzerland

How banks can contribute to reducing the energy consumption of buildings – and benefit from it.

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Publication

Retail ESG Study Germany

How banks can contribute to reducing the energy consumption of buildings – and benefit from it.

Publication

European Banking Study 2022

European Banking Study 2022 - a selection of key insights.

Publication

Lending business study 2022

Efficient and customer-oriented credit processes are drivers for banks and savings banks. The current, now 3rd edition of the credit study takes up this topic.

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zeb.market.flash. Issue #42: Rebirth of the deposit business

How did the deposit business fare in the past, how will it develop and what is the current playing field across Europe? Is a “battle for deposits” looming?

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Digital Pulse Check Insurance 2022

Status of digital transformation in the German insurance market – taking the pulse

Study

Agile Readiness Check 2022

Ready for more agility? Many people are, but some organizations are (still) putting the brakes on

Publication

Green Behavior: What matters for Employees in the Financial Service Sector

Factors Influencing Behavioral Intention and Actual Environmental Behavior of Employees in the Financial Service Sector

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Private Banking Study 2022 for Savings banks and Cooperative banks

Potential for savings banks and cooperative banks to do business with affluent people from their region.

Study

European Sustainable Investment Funds Study 2022

Net assets in sustainable investment funds domiciled in Europe in 2021 are three times as high as in 2019 and up 71% from 2020.

Publication

European Payments Study 2022

Who is (still) earning in the European payment market?

Publication

UN Global Compact

Our communication on progress report 2021-22

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zeb.market.flash: Issue #40

Q1 2022: Post-war economic perspectives and impact on banks

Publication

Next in payments

Payments are spearheading innovation in the financial industry. So how will Europeans pay for things in future?

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Transformation Study 2022

Why the effort of establishing a culture of success pays off.

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zeb.market.flash: issue #39

Q4 2021: The green investment challenge for banks.

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Swiss private banking 2021

To retain their pole position, Swiss private banking must embrace change.

Publication

European Insurance Study 2021

Which insurers have been most successful in the past decade and why direct sales will become even more important in the future.

Publication

Savings banks: Merging and staying regional

From the wave of mergers, ever larger units and areas are emerging and with them new questions for the management.

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Mortgage – last bastion for banks?

How banks ensure returns from construction financing by improving their access to customers.

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European Banking Study 2021, 3rd quarter

Tracking European banks’ path to net zero.

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Corporate Banking Study 9.0

Green loans and digital solutions are driving growth after the crisis.

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zeb.market.flash: Issue #38

Q3 2021:European banks build momentum for the second half

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Private customer wallets 2021

Measuring the individual portfolio in the business area of private customer wallets throughout Europe.

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Financial planning in an agile bank

The agile banking race is on and will not leave financial planning unchanged.

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European Sustainable Investment Funds Study 2021

Sustainable funds more than doubled in the last three years signalling a greener Europe.

Publication

zeb.market.flash: Issue #37

Q2 2021: Promising first half for the banking sector

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How to fight financial crime

Stop the money flow from illegal activities and disrupt the criminals involved with advanced analytics.

Publication

Online mortgages

Online mortgages offer untapped potential for banks. Digital offerings required for construction and housing financing.

Publication

Study on the private health insurance market

Where do private health insurers ocurrently stand in their goal to become solution-oriented health service providers?

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zeb.market.flash: Issue #36

Q1 2021: Inflation on the horizon – bank stocks are rallying

Publication

European Banking Study 2021, 1st edition

ESG as a unique opportunity for post-crisis banking

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Sustainable banking

How sustainability can be implemented in the banking sector with ambitious players.

Publication

Digital Claims Study

How far has the digital transformation in claims management actually progressed?

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Insurance: Products of the future

The insurance products of tomorrow need to be more customer-centric and operationally more efficient.

Publication

Process management study 2020

No luxury, but indispensable in the future!

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Digital Pulse Check 4.0

Digital transformation of European banks? In full swing? Or stopped?

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European Insurance Study 2020

How the Coronakrise is driving digital insurance sales.

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The changing shape of digital insurance

Interactive study on how the digital insurance world is transforming.

Publication

Cloud or out

More and more companies are taking the step from limited cloud pilots to a more comprehensive use.

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Cooperative banks: Merging and staying regional

How regionality and and proximity to the customercan be maintained.

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European Asset Management Study 2020

New survey of asset managers with a strong European footprint.

Publication

Cyber Security

Only with a multidimensional approach do banks have a chance of surviving in the digital threat situation.

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European Banking Study 2020, 2nd edition

COVID-19 and expected capital shortfalls for European banks.

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Turning securities services profitable

How to unlock added value in post-trade operations.

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European Banking Study 2020, 1st edition

How COVID-19 might affect Europe´s banks.

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COVID-19 accelerates digital transformation

Differentiation and clear customer value propositions are decisive .

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Retail sales: Savings bank

Seizing the opportunities in retail sales.

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Sustainability Study 2020

Rising demand is changing the banking business for good.

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Data Analytics for Financial Services Providers

Data-analytics—or how to find the best uses for data-driven tools.

Publication

Robotic Process Automation Study

Study and new simulation tool: Check out the potentials of your processes.

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Mobile banking for retail banks

Success factors from our current benchmarking.

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Efficient lending processes 2020

Regional banks are still under enormous pressure with their business models. A key lever is to make lending processes more efficient.

Publication

Data Analytics: Activate customers

The zeb customer activation method via data-supported motive identifcation.

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Insurance Companies: Digital customer interface

Targeted digitalization of customer contact points.

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Pricing Excellence—choosing the right pricing strategy

How to successfully introduce an overall customer pricing system.

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European Banking Study 2020: the climate edition

Climate change and its impact on banking.

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Insurers of the future

"Data Science", "Big Data" and "Data Analytics" are causing a profound technological change in the insurance industry.

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Agile Readiness Study

Agility—the greatest misunderstanding of our time. Read more about the key findings in our latest study.

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What´s next for Private Banking?

An industry caught between tradition and new technology.

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CFO Study 2020

CFO-study 2020: Banks’ finance executives face ever-widening range of tasks.

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Private Banking Pricing Pulse Check

Service-oriented pricing framework as a lever.

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Digital: Savings bank

Gradually taking all employees on a journey into the digital future.

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European Banking Study 2019

Profitability remains the core problem of European banks; consistent digitization a success factor.

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Digital Pulse Check Insurance 2019

Europe´s insurance companies have become more digital.

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Digital Pulse Check 3.0

Banks need to win customers over on the digital front

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Big Data and Analytics

Big data & analytics is not a necessary evil for financial services, but gains a footing for their economic future.

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European Retail Banking Study 2019

Banks can considerably improve their profitability if they concentrate on their traditional strengths.

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European Asset Management Study 2019

The European asset management industry needs to become more cost-efficient to ensure profitable growth.

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Corporate Banking Study 6.0

In the end, the digitally networked bank wins.

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Your way to Pricing Excellence

The greatest lever for an improved profitability of financial institutions

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The European CFO in Financial Services

The CFO as Chief Future Officer—the new role of bank CFOs.

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Towards banking-as-a-service

Cloud-based service models taking over the banking industry.

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Future: Savings bank

The current market and regulatory changes require decisive action from savings banks.

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Impulse: Savings bank

Together with our clients, we analyze the challenges savings banks are facing in a difficult market environment.

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Connectivity: Savings bank

Digital transformation forces savings banks to evolve their regional business models and to clearly focus on their customers.

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Private Banking in a digital world

Digital transformation is about to shake the world of private banking to its very core.

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Regional banks facing digitalization, regulatory and low interest rate challenges

How savings banks and cooperative banks remain profitable .

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Your way to Pricing Excellence, 2nd edition

Pricing is the biggest lever for profitability.

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zeb.report insurance

Selected topics and project reports from the insurance industry.

Publication

Accounting for insurance contracts according to IFRS 17

Case study for non-participating contracts.

Publication

Self-development

Sustainable change of teams and cultures.

Publication

Risk and preference measurement at credit institutions

Developing a risk-bearing capacity concept.

Publication

Social interaction in securities investments

A behavioral-scientific consideration and empirical analysis of collaborative recommendation systems.

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Building societies today

Challenges and perspectives.

Publication

Mergers of regional credit institutions in Germany

Influencing factors and interdependencies of post-merger integrations.

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Mobile Banking Austria

Success factors from our current benchmarking.

Contact

Do you have questions on our publications? Then write us an e-mail.

We are looking forward to your message!

Transformation and Change for Financial Services

Consulting for Financial Services

Insights für Financial Services

ESG für Financial Services

zeb - partners for change

Publications

Tomorrow’s world of finance in focus: read on to find out more about us and our ideas in academic research and business practice.

Overview of publications

Contact

zeb
Marketing & Communications
Hammer Straße 165
48153 Münster
Germany

e-mail publications@zeb.eu

Transformation and Change for Financial Services

Consulting for Financial Services

Insights für Financial Services

ESG für Financial Services

zeb - partners for change

Publications

Tomorrow’s world of finance in focus: read on to find out more about us and our ideas in academic research and business practice.

Overview of publications

Contact

zeb Marketing & Communications Hammer Straße 165 48153 Münster Germany

e-mail publications@zeb.eu

zeb
Marketing & Communications
Hammer Straße 165
48153 Münster
Germany