References

Our Expertise

Bank Strategy

 

No Topic Sources
1.1 Overview
1 Overview: Banking Strategies for the Future

 

Version dated: Apr 2019

First issued: Mar 2018

UK FCA

  • · UK Financial Conduct Authority (2018), “Strategic review: Retail banking business models final report”, December 2018.

1.2 FinTech: Potential Implications for Banking Institutions
2 Potential Implications of FinTech for the Banking Industry

 

Version dated: Jan 2019

First issued: Aug 2018

FSB

  • · FSB (2017), “Financial stability implications from FinTech: Supervisory and regulatory issues that merit authorities’ attention”, June 2017.
  • · FSB (2018), “FSB RCG for the Americas Discusses RegTech, Crypto-Assets, sovereign risk and work to reduce misconduct Risk”, FSB press release dated 6 June 2018.
  • · FSB (2018), “FSB RCG for the Americas assesses financial market developments and discusses effects of reforms, FinTech and crypto-Assets”, FSB Press Release dated 6 December 2018.

 

BCBS

  • · BCBS (2018), “Sound Practices: Implications of FinTech Developments for banks and bank supervisors”, June 2017.

Books

  • · Chishti, J. and Barberis, J. (2016), “The FinTech Book: The financial technology handbook for investors, entrepreneurs and visionaries”, John Wiley & Sons Ltd.
  • · Loesch, S. (2018), “A guide to financial regulation for FinTech entrepreneurs”, John Wiley & Sons Ltd.

 

1.3 Bank Culture and Misconduct Risk
3 Risk Culture

 

Date issued: Sep 2018

 

FSB Publications

  • · FSB (2014), “Guidance on supervisory interaction with financial institutions on risk culture: A framework for assessing risk culture”, April 2014.
  • · FSB (2014), “Supervisory intensity and effectiveness”, April 2014.
  • · FSB (2018), “Strengthening governance frameworks to mitigate misconduct risk: A toolkit for firms and supervisors”, Annex B: “Supervisory approaches and practices to supervising culture”, pp. 47-49, April 2018.

 

APRA

  • · APRA: “Information Paper: Risk culture”, October 2016.
  • · APRA, “APRA releases snapshot of industry practice on risk culture”, APRA press release, 18 October 2018.

 

4 Misconduct Risk & Sound Compensation Practices

 

Version dated: Feb 2018

First issued: Sep 2018

 

FSB Publications

  • · FSB (2009), “Principles for sound compensation practices”, April 2009.
  • · FSB (2009), “Implementation Standards for the FSB principles for sound compensation practices”, September 2009.
  • · FSB (2018), “Supplementary guidance to the FSB principles and standards on sound compensation principles”, March 2018.
  • · FSB (2017), “Stocktake of efforts to strengthen governance frameworks to mitigate misconduct risks”, May 2017.
  • · FSB (2018), “Strengthening governance frameworks to mitigate misconduct risk: A toolkit for firms and supervisors”, April 2018.

ESRB Publications

  • · ESRB (2015), “Report on misconduct risk in the banking sector”, June 2015.

 

APRA

  • · APRA (2018), “Prudential Inquiry into the Commonwealth Bank of Australia – Final Report”, 30 April 2018.
  • · APRA (2018), “Information Paper: Implementing the Banking Executive Accounting Regime (BEAR)”, October 2018.
  • · Byres, W. (2018), “Good banking, by good bankers”, Speech at the FINSIA Summit 2018, Sydney, 11 October 2018.

1.4 Cybersecurity and Cyber-resilience
11 Cybersecurity and Cyber-Resilience for Banks

Date issued: Dec 2018

G-7 Publications

  • · G7 (2016), “Fundamental elements of cybersecurity for the financial sector”, October 2016.

FSB Publications

  • · FSB (2017), “Stocktake of publicly-released cybersecurity regulations, guidance and supervisory practices”, 13 October 2017.
  • · FSB (2018), “Cyber lexicon”, 12 June 2018.

 

BCBS Publications

  • · BCBS (2018), “Cyber-resilience: Range of Practices, December 2018.
12 International Approaches to Cyber-Security and Cyber-Resilience

Date issued: Dec 2018

FSB Publications

  • · FSB (2017), “Summary report on financial sector cybersecurity regulations, guidance and supervisory practices”, 13 October 2017.
  • · FSB (2017), “Stocktake of publicly released cybersecurity regulations, guidance and supervisory practices”, 13 October 2017.

BCBS Publications

  • · BCBS (2018), “Cyber-resilience: Range of Practices, December 2018.

 

Australia

  • · Australian Government (2016), “Australia’s national cybersecurity strategy”, Australian Government Department of Home Affairs, 21 April 2016.
  • · APRA (2017), “Insights from APRA’s 2017 cybersecurity survey”, APRA Insight Issue 4 2017, December 2017.
  • · APRA (2018), “APRA to introduce first Prudential Standard aimed at tackling growing threat of cyber attacks”, APRA media release, 7 March 2018.
  • · APRA (2018), “APRA Discussion Paper: Information security management – A new Cross-Industry Prudential Standard (CPS)”, 7 March 2018.
  • · APRA (2018), “Cloud control: APRA evolves its stance on shared computing services”, APRA Insight Issue 3 2018, September 2018.
  • · APRA (2018), “APRA Response to Submissions: Information security management – A new Cross-Industry Prudential Standard CPS”, 7 November 2018.
  • · APRA (2018), Prudential Standard CPS 234 “Information Security” (effective July 2019), issued 7 November 2018.

Indonesia

  • · OJK (2016), “Regulation concerning the implementation of risk Management in the use of IT by commercial banks”, POJK No. 38/POJK.03/2016, 1 December 2016.
  • · OJK (2016), “Regulation concerning IT-based direct lending and borrowing services”, POJK No.77/POJK.01/2-16, 1 December 2016.
  • · Bank Indonesia (2007), “Circular Letter regarding risk management in the use of IT by commercial banks”, 12 December 2007.
  • · OJK (2017), “Circular Letter on governance and risk management regarding IT-based direct lending and borrowing services”, SE-OJK No. 18/SEOJK.02/2017, 18 April 2017.

 

United States

Banking Regulation

 

No Topic Sources
1.1 Overview
1 Overview of Financial Sector Regulation

 

Version dated: Nov 2018

First issued: Mar 2018

 

Books

  • · Loesch, S. (2018), “A guide to financial regulation for FinTech entrepreneurs”, John Wiley & Sons Ltd.

 

2 Overview of Banking Supervision & Regulation

 

Version dated: Nov 2018

First issued: Mar 2018

 

BCBS

  • · BCBS (2012), “Core principles for effective banking supervision”, September 2012.
  • · BCBS (2014), “RCAP: Assessment of Basel III regulations – Australia”, March 2014.
  • · BCBS (2017), “RCAP: Assessment of Basel LCR Regulations – Australia”, March 2017.

 

APRA

  • · APRA (2018), “Probability and Impact Rating System (PAIRS)”, February 2018.
  • · APRA (2017), “Supervisory Oversight and Response System (SOARS)”, April 2018.

 

Other Supervisory Jurisdictions

  • · Canada: OSFI (2010), “Supervisory Framework”, December 2010.
  • · Singapore: MAS (2015), “Monograph: Framework for impact and risk assessment of financial institutions (CRAFT)”.
  • · United States: Federal Reserve (1995), “CAMELS”, December 1995.
  • · United Kingdom: FSA (2006), “The FSA’s risk assessment framework (ARROW II)”, August 2006.

(Note: Since abolished.)

  • · United Kingdom: PRA (2011), “The PRA’s approach to banking supervision”, May 2011.

 

1.2 International Approaches
3 International Approaches to Banking Supervision & Regulation

 

Version dated: Nov 2018

First issued: Mar 2018

 

BCBS

  • · BCBS (2012), “Core principles for effective banking supervision”, September 2012.
  • · BCBS (2014), “RCAP: Assessment of Basel III regulations – Australia”, March 2014.
  • · BCBS (2017), “RCAP: Assessment of Basel LCR Regulations – Australia”, March 2017.

 

APRA

  • · APRA (2018), “Probability and Impact Rating System (PAIRS)”, February 2018.
  • · APRA (2017), “Supervisory Oversight and Response System (SOARS)”, April 2018.

 

Other Supervisory Jurisdictions

  • · Canada: OSFI (2010), “Supervisory Framework”, December 2010.
  • · Singapore: MAS (2015), “Monograph: Framework for impact and risk assessment of financial institutions (CRAFT)”.
  • · United States: Federal Reserve (1995), “CAMELS”, December 1995.
  • · United Kingdom: FSA (2006), “The FSA’s risk assessment framework (ARROW II)”, August 2006.

(Note: Since abolished.)

  • · United Kingdom: PRA (2011), “The PRA’s approach to banking supervision”, May 2011.

 

1.3 Basel Accords: Requirements and Implementation
4 Overview of Basel Capital Accords: Basel I, II and II

 

Version dated: Nov 2018

First issued: Mar 2018

 

BCBS Publications

  • · BCBS (1988), “International convergence of capital measurement and capital standards”, July 1988.
  • · BCBS (1996), “Amendment to the capital accord to Incorporate market risks”, January 1996.
  • · BCBS (2004), “International convergence of capital measurement and capital standards: A revised Framework”, June 2004.
  • · BCBS (2009), “Enhancements to the Basel II Framework”, July 2009.
  • · BCBS (2011), “Basel III: A global regulatory framework for more resilient banks and banking systems”, June 2011.
  • · BCBS (2013), “Basel III: The LCR and liquidity risk monitoring tools”, January 2013.
  • · BCBS (2014), “Basel III: The NSFR”, October 2014.

 

5 Finalisation of Basel III Reforms (dated Dec 2017)

 

Version dated: Nov 2018

First issued: Mar 2018

 

BCBS Publications

  • · BCBS (2017), “Basel III: Finalising the post-crisis reforms”, December 2017.

 

BCBS Speeches

  • · Coen, W. (2017), “The state of global financial regulation”, Speech at the 2017 IIF Annual Membership Meeting, Washington DC, 13 October 2017.
  • · Coen, W. (2018), “The market risk framework: 25 years in the making”, Keynote speech at the ISDA Annual General Meeting”, Miami, 25 April 2018.
  • · Ingves, S. (2018), “Basel III: Are we done now?”, Keynote speech at the Institute of Law and Finance Conference, Frankfurt, 29 January 2018.

 

6 Implementation of Basel Accords: Latest Progress Report (as of end-September 2018)

 

Version dated: Nov 2018

First issued: Apr 2018

 

 

BCBS Publications

  • · BCBS (2018), “15th progress report on adoption of the regulatory framework”, October 2018.
  • · BCBS (2018), “Basel committee calls for further progress on the implementation of Basel III Standards”, BIS press release, 26 October 2018.
  • · BCBS (2018), “Implementation of Basel Standards: A Report to G-20 Leaders on Implementation of Basel III Regulatory Reforms”, November 2018.

 

BCBS Speeches

  • · Coen, W. (2018), “Looking ahead by looking back”, 20th International Conference of Banking Supervisors, Abu Dhabi, 28 November 2018.

 

Australia

  • · APRA (2018), “Discussion Paper: Leverage Ratio Requirement for ADIs”, 14 February 2018.
  • · APRA (2018), “APRA responds to submissions on ADI leverage ratio, and extends timeline for broader capital framework reforms”, APRA media release, 27 November 2018.
  • · APRA (2018), “Response to Submissions: Leverage ratio requirement for ADIs”, 27 November 2018.

 

1.4 “Living Wills”: Recovery & Resolution Planning (RRPs)
7 “Living Wills”: Recovery & Resolution Planning (RRPs) for Banks

 

Version dated: Nov 2018

First issued: May 2018

 

 

 

FSB Publications

  • · FSB (2015), “Key attributes of effective resolution regimes for financial institutions”, November 2018.

 

UK PRA

  • · PRA (2015), “Recovery Planning”, Supervisory Statement SS18/13, January 2015.
  • · PRA (2015), “Resolution Planning”, Supervisory Statement SS19/13, January 2015.

 

European Union

  • · European Union (2014), ““Recovery and Resolution Framework for banks and investment firms”, EU Bank Recovery and Resolution Directive (BRRD), August 2014.

 

United States

  • · Board of Governors of the Federal Reserve System (2015), “Living Wills (or Resolution Plans)”, Dodd-Frank Wall Street Reform & Consumer Protection Act.

 

Asia-Pacific

  • · Freshfields Bruckhaus Deringer (2014), “Living wills regulatory reform in the Asia-Pacific”, 9 December 2014.
  • · APRA (2018): “APRA seeks to increase the loss-absorbing capacity of ADIs to support orderly resolution”, APRA media release, 8 November 2018.

 

1.5 Stress Testing
8 Stress Testing for Banks (BCBS)

 

Date issued: Nov 2018

 

BCBS Publications

  • · BCBS (2009), “Principles for sound stress testing practices and supervision”, May 2009.
  • · BCBS (2017), “Supervisory and bank stress testing: Range of practices”, December 2017.
  • · BCBS (2018), “Stress testing principles”, October 2018.

 

APRA

  • · APRA (2018), “Testing resilience: The 2017 banking industry stress test”, APRA Insight Issue 3 2018, September 2018.

 

9 Regulation of Financial Conglomerates: An Overview

 

Version dated: Oct 2018

First issued: Apr 2018

 

Joint Forum

  • · Joint Forum (2012), “Principles for the supervision of financial conglomerates”, August 2012.

 

APRA

  • · APRA (2014), “APRA releases framework for supervising conglomerates but defers implementation”, APRA media release, 15 August 2014.
  • · APRA (2018), “APRA Annual Report for 2017/18”, September 2018.

 

Other

  • · Various Australian financial institutions’ Annual and Half-Yearly Reports for the 2017/18 Financial Year.
10 Financial Conglomerate Supervision & Regulation:

International Approaches and Best Practices

 

Date issued: Nov 2018

 

Joint Forum

  • · Joint Forum (2012), “Principles for the supervision of financial conglomerates”, August 2012.

 

Australia

  • · APRA (2014), “APRA releases framework for supervising conglomerates but defers implementation”, APRA media release, 15 August 2014.
  • · APRA (2018), “Supervision of conglomerate groups (Level 3)”, APRA website, retrieved 30 November 2018.

 

European Union

  • · European Parliament (2002), “Financial Conglomerates Directive (FICOD), 2002/87/EC, retrieved 1 July 2018.
  • · Gruson, M. (2004), “Supervision of financial conglomerates in the European Union”, 23 June 2004.
  • · EBA (2018), “EBA website on financial conglomerates”, retrieved 1 July 2018.
  • · ESA Joint Committee (2018), “List of financial conglomerates 2018”, JC 2018-79, 31 October 2018.

 

Japan

  • · JFSA (2007), “Guidelines for financial conglomerate supervision”, March 2007.
  • · JFSA (2018), “Guidelines for financial conglomerate supervision”, JFSA website, retrieved 30 November 2018.

 

Korea

  • · Korean FSC (2018), “Plan for comprehensive supervision of financial conglomerates, FSC Press Release, 1 February 2018.
  • · Asian Financial Review (2018), “Regulators to tighten supervision over financial affiliates of ‘Chaebols’”, 11 May 2018.

 

United States

  • · Brown, E. (2011), “The new laws and regulations for financial conglomerates: Will they better manage the risks than the previous ones?”, American University Law Review Vol. 60 Issue 5, 25 March 2011.

 

11 Financial Conglomerate Supervision & Regulation: Key Technical Issues

 

Version dated: Feb 2019

Date issued: Nov 2018

 

Joint Forum

  • · Joint Forum (2012), “Principles for the supervision of financial conglomerates”, August 2012.

 

Australia

  • · APRA (2018), “Supervision of conglomerate groups (Level 3)”, APRA website, retrieved 30 November 2018.

 

European Union

  • · EBA (2018), “EBA Technical Standards on guidelines and recommendations for financial conglomerates”, EBA website, retrieved 30 November 2018.

 

12 Financial Conglomerate Supervision & Regulation:

Financial Holding Companies (FHCs)

 

Date issued: Nov 2018

 

Joint Forum

  • · Joint Forum (2012), “Principles for the supervision of financial conglomerates”, August 2012.

 

United States

  • · Brown, E. (2011), “The new laws and regulations for financial conglomerates: Will they better manage the risks than the previous ones?”, American University Law Review Vol. 60 Issue 5, 25 March 2011.

 

European Union

  • · European Parliament (2002), “Financial Conglomerates Directive (FICOD), 2002/87/EC, retrieved 1 July 2018.
  • · Gruson, M. (2004), “Supervision of financial conglomerates in the European Union”, 23 June 2004.
  • · EBA (2018), “EBA website on financial conglomerates”, retrieved 1 July 2018.

 

Australia

  • · APRA (2018), “Supervision of conglomerate groups (Level 3)”, APRA website, retrieved 30 November 2018.

 

Japan

  • · JFSA (2018), “Guidelines for financial conglomerate supervision”, JFSA website, retrieved 30 November 2018.

 

Korea

  • · Korea FSS (2004), “Financial conglomeration and regulatory responses in Korea”, Presentation by Dr. Cho Young De (Deputy Governor), June 2004.
  • · Seung-Yoon L. and Mira C. (2018), “Seoul steps up pressure on financial conglomerates for restructuring”, Business News Korea, 26 April 2018.

 

China

  • · Liao, F. (2011), “Regulation of financial conglomerates in China: From de facto to de jure, European Business Organization Law Review, 12(2), pp. 267-313, June 2011.
  • · Yuzhe, Z. and Wei, H. (2018), “Sprawling financial conglomerates in China face stricter rules”, Caixin Global, 10 May 2018.

 

13 Financial Conglomerate Supervision & Regulation:

Intra-Group Transactions & Exposures (ITEs)

 

Version dated: Nov 2018

First issued: Apr 2018

 

Joint Forum

  • · Joint Forum (1999), “ITE Principles”, December 1999.
  • · Joint Forum (2012), “Report on intra-group support measures”, February 2012.

 

APRA

  • · APRA (2017), Prudential Standard 3PS “Intra-group transactions and exposures”, July 2017.
  • · APRA (2017), Prudential Practice Guide 3PG “Intra-group transactions and exposures”, July 2017.

FinTech & RegTech

 

No Topic References
3.1 Introduction
1 Introduction to FinTech

 

Version dated: Feb 2019

First issued: Aug 2018

 

FSB

  • · FSB (2017), “Financial stability implications from FinTech: Supervisory and regulatory issues that merit authorities’ attention”, June 2017.

 

BCBS

  • · BCBS (2018), “Sound Practices: Implications of FinTech developments for banks and bank supervisors”, June 2017.

 

Research Publications

  • · Arner, D., Barberis, J. and Buckley, R. (2017), “FinTech and RegTech in a nutshell, and the future in a sandbox”, CFA Institute Research Foundation, September 2017.

 

2 Introduction to RegTech

 

Version dated: Jan 2019

First issued: Aug 2018

 

FSB

  • · FSB (2017), “Financial stability implications from FinTech: Supervisory and regulatory issues that merit authorities’ attention”, June 2017.

 

BCBS

  • · BCBS (2018), “Sound Practices: Implications of FinTech developments for banks and bank supervisors”, June 2017.

 

Research Publications

  • · Arner, D., Barberis, J. and Buckley, R. (2017), “FinTech and RegTech in a nutshell, and the future in a sandbox”, CFA Institute Research Foundation, September 2017.

 

3.2 Potential Implications for Banks
3 Potential Implications of FinTech for the Banking Industry

 

Version dated: Jan 2019

First issued: Aug 2018

FSB

  • · FSB (2017), “Financial stability implications from FinTech: Supervisory and regulatory issues that merit authorities’ attention”, June 2017.
  • · FSB (2018), “FSB RCG for the Americas Discusses RegTech, Crypto-Assets, sovereign risk and work to reduce misconduct Risk”, FSB press release dated 6 June 2018.
  • · FSB (2018), “FSB RCG for the Americas assesses financial market developments and discusses effects of reforms, FinTech and crypto-Assets”, FSB Press Release dated 6 December 2018.

 

BCBS

  • · BCBS (2018), “Sound Practices: Implications of FinTech Developments for banks and bank supervisors”, June 2017.

 

Books

  • · Chishti, J. and Barberis, J. (2016), “The FinTech Book: The financial technology handbook for investors, entrepreneurs and visionaries”, John Wiley & Sons Ltd.
  • · Loesch, S. (2018), “A guide to financial regulation for FinTech entrepreneurs”, John Wiley & Sons Ltd.

 

3.3 Potential Implications for Banking Supervision
4 Potential implications of Fintech for banking supervision and financial stability

 

Version dated: Jan 2019

First issued: Aug 2018

FSB

  • · FSB (2017), “Financial stability implications from FinTech: Supervisory and regulatory issues that merit authorities’ attention”, June 2017.
  • · FSB (2018), “FSB RCG for the Americas Discusses RegTech, Crypto-Assets, sovereign risk and work to reduce misconduct Risk”, FSB press release dated 6 June 2018.
  • · FSB (2018), “FSB RCG for the Americas assesses financial market developments and discusses effects of reforms, FinTech and crypto-Assets”, FSB Press Release dated 6 December 2018.

 

BCBS

  • · BCBS (2018), “Sound Practices: Implications of FinTech Developments for banks and bank supervisors”, June 2017.

 

Books

  • · Chishti, J. and Barberis, J. (2016), “The FinTech Book: The financial technology handbook for investors, entrepreneurs and visionaries”, John Wiley & Sons Ltd.
  • · Loesch, S. (2018), “A guide to financial regulation for FinTech entrepreneurs”, John Wiley & Sons Ltd.

 

3.4 International Regulatory Approaches
5 International Approaches to the Supervision and Regulation of FinTech

 

Version dated: Jan 2019

First issued: Aug 2018

 

FSB

  • · FSB (2017), “Financial stability implications from FinTech: Supervisory and regulatory issues that merit authorities’ attention”, June 2017.
  • · FSB (2018), “FSB RCG for the Americas discusses RegTech, crypto-assets, sovereign risk and work to reduce misconduct risk”, FSB Press Release dated 6 June 2018.
  • · FSB (2018), “FSB RCG for the Americas assesses financial market developments and discusses effects of reforms, FinTech and crypto-assets”, FSB press release dated 6 December 2018.

 

BCBS

  • · BCBS (2018), “Sound Practices: Implications of FinTech developments for banks and bank supervisors”, June 2017.

 

Books

  • · Chishti, J. and Barberis, J. (2016), “The FinTech Book: The financial technology handbook for investors, entrepreneurs and visionaries”, John Wiley & Sons Ltd.
  • · Loesch, S. (2018), “A guide to financial regulation for FinTech entrepreneurs”, John Wiley & Sons Ltd.

 

3.5 FinTech and Financial Inclusion
6 FinTech and Financial Inclusion

 

Version dated: Jan 2019

First issued: Aug 2018

 

AFI Publication

  • · AFI (2018), “Fintech for financial inclusion: A framework for digital financial transformation”, AFI Special Report, September 2018.

 

CGAP

  • · Murthy, G. (2018), “FinTech for the poor: Not all virtual, not all apps”, CGAP Blog, 18 January 2018. Retrieved December 2018.
  • · Chien, J. and Randall, D. (2018), “Fintech as a pathway to financial inclusion? The case of China”, FinDev Gateway (a CGAP program) Blog, April 2018. Retrieved December 2018.

 

3.6 FinTech: Blockchain and Cryptocurrencies
7 FinTech: Blockchain and Cryptocurrencies

 

Version dated: Jan 2019

First issued: Aug 2018

 

FSB

  • · FSB (2017), “Financial stability implications from FinTech: Supervisory and regulatory issues that merit authorities’ attention”, June 2017.

 

HKS

  • · Singh, H. (2018), “Blockchain and Cryptocurrencies”, Harvard Kennedy School of Government (HKS), Rethinking Financial Inclusion: Innovations for Policy and Practice, Presentation dated 16 October 2018.

 

  • Abstracts
  • · Hayes, A, and Tasca, P. (2016), “Blockchain and Cryptocurrencies”, The FinTech Book, pp. 217-220.
3.7 FinTech: Initial Coin Offerings (ICOs)
8 FinTech: Initial Coin Offerings

 

Version dated: Jan 2019

First issued: Aug 2018

 

ASIC

  • · ASIC (2018), “Initial Coin Offerings, ASIC Information Sheet 225 (INFO 225), May 2018.
3.8 Jurisdiction-specific Focus
9 FinTech in the United Kingdom

 

Date issued: Feb 2019

 

Books

  • · Loesch, S. (2018), “A guide to financial regulation for FinTech entrepreneurs”, John Wiley & Sons Ltd.

 

Abstracts

  • · Cockerton, C. (2016), “Nurturing new FinTech communities”, John Wiley & Sons Ltd.
  • · Hanias, G. (2015), “Why London is the epicentre of FinTech”, 7 May 2015.

 

10 FinTech in the United States

 

Date issued: Feb 2019

 

Books

  • · Loesch, S. (2018), “A guide to financial regulation for FinTech entrepreneurs”, John Wiley & Sons Ltd.

 

Articles

  • · Lexology (2019), “FinTech in the USA”, 24 January 2019. Retrieved February 2019.

 

Financial Inclusion

 

No Title References
1 Introduction to Financial Inclusion

 

Version dated: Dec 2018

First issued: Nov 2018

 

 

CGAP

  • · CGAP (2016), “Achieving the Sustainable Development Goals (SGDs)”, CGAP Research & Analysis Publication, April 2016. Retrieved December 2018.
  • · Klapper, L. (2016), “Financial inclusion has a big role to play in reaching the SDGs”, CGAP Blog, 11 August 2016. Retrieved December 2018.
  • · CGAP (2018), “A systemic approach to financial inclusion: Module 1”, Gateway Academy. © CGAP. Retrieved December 2018.

 

CFI

  • · CFI (2018), “Financial inclusion: What’s the vision?”, retrieved 14 October 2018.

 

FSD Kenya

  • · FSD Kenya (2016), “Ten years of a market systems approach in the Kenyan finance market”, August 2016. Retrieved December 2018.

 

GPFI

  • · GPFI (2012), “G20 basic set of financial inclusion indicators”, 24 September 2012.

 

Journal Articles

  • · Larson, G. (2012), “How a new tool is unlocking entrepreneurship in Africa”, Harvard Kennedy School Review, April 2019.
  • · Bailey, K. et al (2013), “Improving credit Risk analysis with psychometrics in Peru”, IDB Technical Note No. IDB-TN-587, October 2013.
  • · Nurhayati, N. (2015), “The challenge of financial Inclusion in Indonesia”, Kompasiana, 28 December 2018.
  • · The Economist (2018), “How mobile money is spreading: Paying respects”, 3 May 2018.

 

2 Financial Inclusion:

Implications for Supervisors and Regulators

 

Date issued: Dec 2018

 

CGAP

  • · Jenik, I. and Izaguirre, J.C. (2016), “Risk-based supervision in the digital financial inclusion era”, 26 April 2016. Retrieved December 2018.

 

GPFI

  • · GPFI (2016), “Global standard-setting bodies and financial inclusion: The evolving landscape”, GPFI White Paper, March 2016. Retrieved December 2018.

 

IMF

  • · Lagarde, C. (2016), “Financial inclusion: Macroeconomic and regulatory challenges”, Opening remarks at the IMF-CGD Conference, 11 April 2016.

 

3 Financial Inclusion: Rethinking the Current Paradigm

 

Version dated: Dec 2018

First issued: Nov 2018

 

CGAP

  • · CGAP (2018), “A systemic approach to financial inclusion: Module 1”, Gateway Academy. © CGAP. Retrieved December 2018.
  • · CGAP (2018), “A systemic approach to financial inclusion: Module 2”, Gateway Academy. © CGAP. Retrieved 27 December 2018.

 

Journal Articles

  • · Banerjee, A. et al (2010), “Microcredit is not the enemy”, Financial Times, 13 December 2010.

 

4 Financial Inclusion:

Latest Insights and Trends

 

Version dated: Dec 2018

First issued: Nov 2018

 

Journal Articles

  • · Joint Research Centre of the European Commission (2016), “Behavioural insights applied to policy”, European Report, October 2016.
  • · Madrian, B. (2014), “Applying insights from behavioural economics to policy design”, Annual Review of Economics Volume 6, pp. 663-688.

 

AFI Publication

  • · AFI (2018), “Fintech for Financial Inclusion: A Framework for Digital Financial Transformation”, AFI Special Report, September 2018.
5 Financial Inclusion: FinTech and Financial Inclusion

 

Date issued: Dec 2018

AFI Publication

  • · AFI (2018), “Fintech for financial inclusion: A framework for digital financial transformation”, AFI Special Report, September 2018.

 

CGAP

  • · Murthy, G. (2018), “FinTech for the poor: Not all virtual, not all apps”, CGAP Blog, 18 January 2018. Retrieved December 2018.
  • · Chien, J. and Randall, D. (2018), “Fintech as a pathway to financial inclusion? The case of China”, FinDev Gateway (a CGAP program) Blog, April 2018. Retrieved December 2018.

 

6 Financial Inclusion for Women

 

Date issued: Feb 2019

 

CGAP

  • · CGAP (2018), “A systemic approach to financial inclusion: Training for funders”. Retrieved February 2019.

 

Gender Equality

 

No Title References
1 INTRODUCTION TO GENDER EQUALITY World Bank

  • · World Bank (2000), “The development of gender perspectives”.

 

ILO

  • · International Labour Organization (2005), “Meningkatkan Kesetaraan Gender dalam Aksi Penanggulangan Pekerja Anak serta Perdagangan Perempuan dan Anak”.

 

UNDP

  • · United Nation Development Programme (2012), “Gender inequality”.
2 Gender Equality in Australia: A Mixed Scorecard

 

Version dated: Jan 2019

First issued: Nov 2018

 

WEF Publications

  • · WEF (2017), “The Global Gender Gap Report 2017”, December 2017. ©2017 WEF.
  • · WEF (2017), “The Global Gender Gap Report 2018”, December 2018. ©2018 WEF.

 

Other Publications

  • · PwC Australia (2018), “Where are all the women?”, PwC publication, August 2018. ©2018 PwC Australia.

 

Journal Articles

  • · Hamad, R. (2014), “Indonesia’s cabinet, female power and us”, ABC News – The Drum, 29 April 2014.
  • · Rahman, M. (2013), “Women’s empowerment: Concept and beyond”, Global Journal Inc (USA). Vol 13. p: 11, circa 2013. Retrieved December 2018.

 

Opinion Pieces

  • · Haussegger, V. (2018), “Retreat Australia Fair: We’ve slid backwards on gender equality league table”, Sydney Morning Herald, 19 December 2018.

 

3 Gender Equality in Indonesia: Perceptions vs Facts

 

Version dated: Jan 2019

First issued: Nov 2018

 

WEF Publications

  • · WEF (2017), “The Global Gender Gap Report 2017”, December 2017. ©2017 WEF.
  • · WEF (2017), “The Global Gender Gap Report 2018”, December 2018. ©2018 WEF.

 

Other Publications

  • · World Bank (2000), “Pembangunan Berperspektif Gender”, World Bank Publication, circa 2000. Retrieved December 2018.
  • · UNDP (2017), “Going for gold: Indonesia’s commitment to gender equality”, 28 September 2017.

 

Journal Articles

  • · Kucuk, N. (2015), “Gender inequality in Muslim-Majority countries: Myths vs facts”, Acta Oeconomica, Vol. 66(2), pp. 213-231, 20 January 2015.

 

Opinion Pieces

  • · McPhillips, D. (2016), “The 10 worst countries for gender equality ranked by perception”, U.S. News & World Report, circa 2016. Retrieved January 2019.
  • · Robinson, R, (2016), “Religion, gender and the State in Indonesia”, East Asia Forum, 22 June 2016.
  • · Akeel, M. (2016), “The case for gender equality in the Muslim World”, Al Jazeera – Business & Economy, 26 April 2017.
  • · The Straits Times (2017), “Indonesia, the world’s biggest Muslim country, puts more women into senior roles”, 25 July 2017.
  • · Yuniar, R. (2018), “Indonesia’s Islamisation: Swipe right For polygamy, left For women’s rights”, South Morning China Post, 25 April 2018.
  • · Ramdhani, G. (2018), “Indonesia affirms its commitment to gender equality and the elimination of harassment at the workplace”, Liputan, 5 June 2018.
  • · Kemenpppa (2018), “Gender equality requires synergies between ministries, regional governments and the general public”, December 2018.

 

4 Gender Equality in the United States:

A Fragmented Picture

 

Version dated: Jan 2019

First issued: Nov 2018

 

WEF

  • · WEF (2017), “The Global Gender Gap Report 2017”, December 2017. ©2017 WEF.
  • · WEF (2017), “The Global Gender Gap Report 2018”, December 2018. ©2018 WEF.

 

Other Publications

  • · Stanford Centre on Poverty and Inequality (2018), “Pathways: State of the Union 2018”, 16 March 2018.
5 Financial Inclusion for Women

 

Date issued: Feb 2019

 

CGAP

  • · CGAP (2018), “A systemic approach to financial inclusion: Training for funders”. Retrieved February 2019.

 

6 Gender Equality and Islam: Are They Compatible?

 

Version dated: Jan 2019

First issued: Nov 2018

 

WEF

  • · WEF (2017), “The Global Gender Gap Report 2017”, December 2017. ©2017 WEF.
  • · WEF (2017), “The Global Gender Gap Report 2018”, December 2018. ©2018 WEF.

Articles

  • · Kucuk, N. (2015), “Gender inequality in Muslim-majority countries: Myths vs facts”, Acta Oeconomica, Vol. 66(2), pp. 213-231, 20 January 2015.

 

Current Focus Areas

FinTech & RegTech adoption in Australia

BCBS

  • · BCBS (2018), “Sound Practices: Implications of FinTech developments for banks and bank supervisors”, June 2017.

FinTech Australia

  • · FinTech Australia (2017), “FinTech Australia member ecosystem”, October 2017. Retrieved June 2018.

ASIC

  • · ASIC (2019), “Information Sheet – Initial coin offerings and crypto-assets (INFO 225)”, May 2019.
  • · ASIC (2018), “Initial coin offerings and crypto-currency”, Speech by John Price (Commissioner), 26 April 2018.
  • · ASIC (2017), “Information Sheet – Evaluating distributed ledger technologies (INFO 219)”, March 2017.

APRA

  • · APRA (2018), “Information Paper: Restricted ADI – Restricted ADI framework”, 4 May 2018.

Gender Pay Gap in Australian Banking

 

Publications

  • · Financy (2019), “Financy Women’s Index: Supporting the economic progress of women”, March 2019. ©2019 Financy.
  • · Haussegger, V. (2018), “Retreat Australia Fair: We’ve slid backwards on gender equality league table”, Sydney Morning Herald, 19 December 2018.
  • · WEF (2017), “The Global Gender Gap Report 2017”, December 2017. ©2017 WEF.
  • · WEF (2018), “The Global Gender Gap Report 2018”, December 2018. ©2018 WEF.
  • · PwC Australia (2018), “Where are all the women?”, PwC publication, August 2018. ©2018 PwC Australia.

Hayne Royal Commission

 

Hayne Royal Commission

  • · Hayne, K. (2019), “Royal Commission into misconduct in the banking, superannuation and financial services industry – Volumes 1 to 3”, February 2019.

 

APRA

  • · APRA (2019), “Information Paper: Self-assessments of governance, accountability and culture”, 22 May 2019.
  • · APRA (2018), “APRA releases snapshot of industry practice on risk culture”, APRA press release, 18 October 2018.
  • · APRA (2018), “Implementing the Banking Executive Accountability Regime (BEAR)”, 17 October 2018.
  • · APRA (2016), “Information Paper: Risk culture”, October 2016.

Open Banking

Treasury

  • · The Australian Government The Treasury (2017), “Open Banking: Choice, Customers, Convenience, Confidence”, December 2017.
  • · The Australian Government The Treasury (2018), “Consumer Data Right Booklet”, 9 May 2018.

Finder Australia

  • · Finder Australia (2019), “Open Banking in Australia”. Retrieved January 2019.

Sector Outlook

APRA

  • · APRA (2018), “2017/2018 Annual Report”, September 2018. ©2019 APRA.
  • · APRA (2017), “Prudential Standard APS 001 Definitions”, 8 June 2017. Retrieved June 2018.

 

AFR

  • · Australian Financial Review (2019), “Capital gains: ANZ, CBA in front after interim results”, 7 March 2019.

Social Impact Investing

Publications

  • Global Sustainable Investment Alliance (2019), “2018 Global Sustainable Investment Review”, April 2019.

Presentations

  • Gandhi, V.S. (2018), “Investing in the 21st Century: Return, Risk and Impact”, Harvard Business School, 1 October 2018.

 

“Contributing towards a resilient and sustainable Australian banking sector."


info@gnad.com.au

+61-2-8088 0744


OFFICE HOURS


Sydney: 08:30 to 17:30 (GMT +10) - Washington DC: 08:30 to 17:00 (GMT -5)