Financial Services | Roland Berger

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Do not wait for the future to happen. Let us show you ways to shape your own sustainable future. </p> </div> </div> </section> <section class="m-separator" > <div class="container"></div> </section> <section class="m-section-headline " id="section_headline" > <div class="container"> <div class="overline" >Publications</div> </div> </section> <section class="m-grid m-load-more" id="grid_v2" > <div class="container"> <div class="tiles content-new-tiles" m-load-more="" m-load-more-item-selector=".tile" m-load-more-limit-mobile="12" m-load-more-limit-desktop="12"> <div class="tile span-2-6 tile-type-regular without-spacing" > <a href="https://www.rolandberger.com/en/Insights/Publications/Post-merger-integration-in-banking-A-framework-for-stability-and-growth.html" class="c-tile-content-new style-regular with-text with-image" c-expandable-teaser> <div class="label-wrapper"> <div class="c-label" style=" ">Article</div> </div> <div class="image"> <picture> <source media="(min-width:1024px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_25_2062_post_merger_integration_in_banking_st_tile_teaser_w425x260.jpg" /> <source media="(min-width:768px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_25_2062_post_merger_integration_in_banking_st_tile_teaser_w329x260.jpg" /> <source media="(min-width:480px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_25_2062_post_merger_integration_in_banking_st_tile_teaser_w380x260.jpg" /> <source media="(min-width:100px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_25_2062_post_merger_integration_in_banking_st_tile_teaser_q100.jpg" /> <img class=" lazyload" data-src="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_25_2062_post_merger_integration_in_banking_st_tile_teaser_w425x260.jpg" alt="Post-merger integration in banking: A framework for stability and growth" copyright="Gettyimages" /> </picture> </div> <div class="content-wrapper"> <div class="content"> <div class="headline" "> <div class="date"></div> <h2>Post-merger integration in banking: A framework for stability and growth</h2> </div> <div class="text-wrapper"> <div class="text" "> <p>Roland Berger outlines the key components of a successful PMI approach for banks.</p> </div> </div> </div> </div> </a> </div> <div class="tile span-2-6 tile-type-regular without-spacing" > <a href="https://www.rolandberger.com/en/Insights/Publications/The-data-driven-supervisory-authority-of-the-future-Part-2.html" class="c-tile-content-new style-regular with-text with-image" c-expandable-teaser> <div class="label-wrapper"> <div class="c-label" style=" ">STUDY</div> </div> <div class="image"> <picture> <source media="(min-width:1024px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_24_2637_data_driven_supervisory_authority_2024_st_tile_teaser_w425x260.jpg" /> <source media="(min-width:768px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_24_2637_data_driven_supervisory_authority_2024_st_tile_teaser_w329x260.jpg" /> <source media="(min-width:480px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_24_2637_data_driven_supervisory_authority_2024_st_tile_teaser_w380x260.jpg" /> <source media="(min-width:100px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_24_2637_data_driven_supervisory_authority_2024_st_tile_teaser_q100.jpg" /> <img class=" lazyload" data-src="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_24_2637_data_driven_supervisory_authority_2024_st_tile_teaser_w425x260.jpg" alt="SME Banking in Germany" copyright="Gettyimages" /> </picture> </div> <div class="content-wrapper"> <div class="content"> <div class="headline" "> <div class="date"></div> <h2>The data-driven supervisory authority of the future: Part 2 </h2> </div> <div class="text-wrapper"> <div class="text" "> <p>Advancing to the next level of a data-driven supervisory authority.</p> </div> </div> </div> </div> </a> </div> <div class="tile span-2-6 tile-type-regular without-spacing" > <a href="https://www.rolandberger.com/en/Insights/Publications/Trends-to-watch-The-future-of-European-retail-payments.html" class="c-tile-content-new style-regular with-text with-image" c-expandable-teaser> <div class="label-wrapper"> <div class="c-label" style=" ">Article</div> </div> <div class="image"> <picture> <source media="(min-width:1024px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_24_2590_the_changing_face_of_payments_in_europe_st_tile_teaser_w425x260.jpg" /> <source media="(min-width:768px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_24_2590_the_changing_face_of_payments_in_europe_st_tile_teaser_w329x260.jpg" /> <source media="(min-width:480px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_24_2590_the_changing_face_of_payments_in_europe_st_tile_teaser_w380x260.jpg" /> <source media="(min-width:100px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_24_2590_the_changing_face_of_payments_in_europe_st_tile_teaser_q100.jpg" /> <img class=" lazyload" data-src="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_24_2590_the_changing_face_of_payments_in_europe_st_tile_teaser_w425x260.jpg" alt="Trends to watch: The future of European retail payments" /> </picture> </div> <div class="content-wrapper"> <div class="content"> <div class="headline" "> <div class="date"></div> <h2>Trends to watch: The future of European retail payments </h2> </div> <div class="text-wrapper"> <div class="text" "> <p>A fragmented payments market races to meet evolving consumer demand </p> </div> </div> </div> </div> </a> </div> <div class="tile span-2-6 tile-type-regular without-spacing" > <a href="https://www.rolandberger.com/en/Insights/Publications/Should-Europe-develop-into-a-token-economy.html" class="c-tile-content-new style-regular with-text with-image" c-expandable-teaser> <div class="label-wrapper"> <div class="c-label" style=" ">Study</div> </div> <div class="image"> <picture> <source media="(min-width:1024px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_987_tokenise_europe_st_tile_teaser_w425x260.jpg" /> <source media="(min-width:768px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_987_tokenise_europe_st_tile_teaser_w329x260.jpg" /> <source media="(min-width:480px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_987_tokenise_europe_st_tile_teaser_w380x260.jpg" /> <source media="(min-width:100px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_987_tokenise_europe_st_tile_teaser_q100.jpg" /> <img class=" lazyload" data-src="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_987_tokenise_europe_st_tile_teaser_w425x260.jpg" alt="Should Europe develop into a token economy?" /> </picture> </div> <div class="content-wrapper"> <div class="content"> <div class="headline" "> <div class="date"></div> <h2>Should Europe develop into a token economy?</h2> </div> <div class="text-wrapper"> <div class="text" "> <p>Tokenisation has the potential to become the backbone of Europe’s economy in an even more digital world. It will be a key driver for change in many areas like the industry by merging supply chains, finance and logistics into a single seamless process, the financial sector by allowing new forms of financing, asset allocation and processing, the private life as well as the public sector.</p> </div> </div> </div> </div> </a> </div> <div class="tile span-2-6 tile-type-regular without-spacing" > <a href="https://www.rolandberger.com/en/Insights/Publications/Embedded-finance-Disrupting-the-value-chain-for-financial-services.html" class="c-tile-content-new style-regular with-text with-image" c-expandable-teaser> <div class="label-wrapper"> <div class="c-label" style=" ">STUDY</div> </div> <div class="image"> <picture> <source media="(min-width:1024px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_1007_embedded_finance_study_st_tile_teaser_w425x260.jpg" /> <source media="(min-width:768px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_1007_embedded_finance_study_st_tile_teaser_w329x260.jpg" /> <source media="(min-width:480px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_1007_embedded_finance_study_st_tile_teaser_w380x260.jpg" /> <source media="(min-width:100px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_1007_embedded_finance_study_st_tile_teaser_q100.jpg" /> <img class=" lazyload" data-src="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_1007_embedded_finance_study_st_tile_teaser_w425x260.jpg" alt="Embedded finance: Disrupting the value chain for financial services" copyright="Gettyimages" /> </picture> </div> <div class="content-wrapper"> <div class="content"> <div class="headline" "> <div class="date"></div> <h2>Embedded finance: Disrupting the value chain for financial services</h2> </div> <div class="text-wrapper"> <div class="text" "> <p>New Roland Berger and Solaris report on how to drive revenue growth.</p> </div> </div> </div> </div> </a> </div> <div class="tile span-2-6 tile-type-regular without-spacing" > <a href="https://www.rolandberger.com/en/Insights/Publications/Insurance-sales-strategy-in-2028-One-size-fits-all-has-had-its-day.html" class="c-tile-content-new style-regular with-text with-image" c-expandable-teaser> <div class="label-wrapper"> <div class="c-label" style=" ">Article</div> </div> <div class="image"> <picture> <source media="(min-width:1024px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/Roland_Berger_INS_1166_Zukunft_des_Vertriebs_ST_tile_teaser_w425x260.jpg" /> <source media="(min-width:768px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/Roland_Berger_INS_1166_Zukunft_des_Vertriebs_ST_tile_teaser_w329x260.jpg" /> <source media="(min-width:480px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/Roland_Berger_INS_1166_Zukunft_des_Vertriebs_ST_tile_teaser_w380x260.jpg" /> <source media="(min-width:100px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/Roland_Berger_INS_1166_Zukunft_des_Vertriebs_ST_tile_teaser_q100.jpg" /> <img class=" lazyload" data-src="https://img.rolandberger.com/img/Tiles/Tile-Content/Roland_Berger_INS_1166_Zukunft_des_Vertriebs_ST_tile_teaser_w425x260.jpg" alt="Insurance sales strategy in 2028: "One size fits all" has had its day" copyright="akinbostanci/Getty Images/1468501824" /> </picture> </div> <div class="content-wrapper"> <div class="content"> <div class="headline" "> <div class="date"></div> <h2>Insurance sales strategy in 2028: "One size fits all" has had its day</h2> </div> <div class="text-wrapper"> <div class="text" "> <p>The white paper "The future of insurance distribution" highlights the latest developments and the key options for insurance companies.</p> </div> </div> </div> </div> </a> </div> <div class="tile span-2-6 tile-type-regular without-spacing" > <a href="https://www.rolandberger.com/en/Insights/Publications/The-simplification-imperative-Why-banks-must-act-now.html" class="c-tile-content-new style-regular with-text with-image" c-expandable-teaser> <div class="label-wrapper"> <div class="c-label" style=" ">Article</div> </div> <div class="image"> <picture> <source media="(min-width:1024px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/Roland_Berger_simplification_in_banking_ST_tile_teaser_w425x260.jpg" /> <source media="(min-width:768px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/Roland_Berger_simplification_in_banking_ST_tile_teaser_w329x260.jpg" /> <source media="(min-width:480px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/Roland_Berger_simplification_in_banking_ST_tile_teaser_w380x260.jpg" /> <source media="(min-width:100px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/Roland_Berger_simplification_in_banking_ST_tile_teaser_q100.jpg" /> <img class=" lazyload" data-src="https://img.rolandberger.com/img/Tiles/Tile-Content/Roland_Berger_simplification_in_banking_ST_tile_teaser_w425x260.jpg" alt="The simplification imperative: why banks must act now" /> </picture> </div> <div class="content-wrapper"> <div class="content"> <div class="headline" "> <div class="date"></div> <h2>The simplification imperative: why banks must act now</h2> </div> <div class="text-wrapper"> <div class="text" "> <p>Leveraging current profits to streamline operations and secure future success in an evolving financial landscape.</p> </div> </div> </div> </div> </a> </div> <div class="tile span-2-6 tile-type-regular without-spacing" > <a href="https://www.rolandberger.com/de/Insights/Publications/KMU-vor-wirtschaftlichen-Herausforderungen-Die-Rolle-der-Banken.html" class="c-tile-content-new style-regular no-text with-image" c-expandable-teaser> <div class="c-flag flag-language" > <div class="row"> <span class="text"> Available in </span> </div> <div class="row"> <span class="flag-language-label">DE</span> </div> </div> <div class="label-wrapper"> <div class="c-label" style=" ">Article</div> </div> <div class="image"> <picture> <source media="(min-width:1024px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/Roland_Berger_INS_1174_SME_in_Banking_1st_article_ST_tile_teaser_w425x260.jpg" /> <source media="(min-width:768px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/Roland_Berger_INS_1174_SME_in_Banking_1st_article_ST_tile_teaser_w329x260.jpg" /> <source media="(min-width:480px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/Roland_Berger_INS_1174_SME_in_Banking_1st_article_ST_tile_teaser_w380x260.jpg" /> <source media="(min-width:100px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/Roland_Berger_INS_1174_SME_in_Banking_1st_article_ST_tile_teaser_q100.jpg" /> <img class=" lazyload" data-src="https://img.rolandberger.com/img/Tiles/Tile-Content/Roland_Berger_INS_1174_SME_in_Banking_1st_article_ST_tile_teaser_w425x260.jpg" alt="SMEs facing economic challenges - The role of banks" copyright="iStock" /> </picture> </div> <div class="content-wrapper"> <div class="content"> <div class="headline" "> <div class="date"></div> <h2>SMEs facing economic challenges - The role of banks</h2> </div> <div class="text-wrapper"> </div> </div> </div> </a> </div> <div class="tile span-2-6 tile-type-regular without-spacing" > <a href="https://www.rolandberger.com/en/Insights/Publications/The-future-of-reinsurance.html" class="c-tile-content-new style-regular with-text with-image" c-expandable-teaser> <div class="label-wrapper"> <div class="c-label" style=" ">Article</div> </div> <div class="image"> <picture> <source media="(min-width:1024px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/24_2564_re_insurance_st_tile_teaser_w425x260.jpg" /> <source media="(min-width:768px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/24_2564_re_insurance_st_tile_teaser_w329x260.jpg" /> <source media="(min-width:480px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/24_2564_re_insurance_st_tile_teaser_w380x260.jpg" /> <source media="(min-width:100px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/24_2564_re_insurance_st_tile_teaser_q100.jpg" /> <img class=" lazyload" data-src="https://img.rolandberger.com/img/Tiles/Tile-Content/24_2564_re_insurance_st_tile_teaser_w425x260.jpg" alt="The future of reinsurance" copyright="iStock" /> </picture> </div> <div class="content-wrapper"> <div class="content"> <div class="headline" "> <div class="date"></div> <h2>The future of reinsurance</h2> </div> <div class="text-wrapper"> <div class="text" "> <p>Adapting to emerging risks and operational challenges.</p> </div> </div> </div> </div> </a> </div> <div class="tile span-2-6 tile-type-regular without-spacing" > <a href="https://www.rolandberger.com/de/Insights/Publications/KMU-Banking-Ein-anspruchsvolles-Segment-mit-viel-Potenzial.html" class="c-tile-content-new style-regular no-text with-image" c-expandable-teaser> <div class="c-flag flag-language" > <div class="row"> <span class="text"> Available in </span> </div> <div class="row"> <span class="flag-language-label">DE</span> </div> </div> <div class="label-wrapper"> <div class="c-label" style=" ">Article</div> </div> <div class="image"> <picture> <source media="(min-width:1024px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_908_sme_banking_in_germany_st_tile_teaser_w425x260.jpg" /> <source media="(min-width:768px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_908_sme_banking_in_germany_st_tile_teaser_w329x260.jpg" /> <source media="(min-width:480px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_908_sme_banking_in_germany_st_tile_teaser_w380x260.jpg" /> <source media="(min-width:100px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_908_sme_banking_in_germany_st_tile_teaser_q100.jpg" /> <img class=" lazyload" data-src="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_908_sme_banking_in_germany_st_tile_teaser_w425x260.jpg" alt="SME banking: a challenging segment with great potential?" copyright="iStock" /> </picture> </div> <div class="content-wrapper"> <div class="content"> <div class="headline" "> <div class="date"></div> <h2>SME banking: a challenging segment with great potential?</h2> </div> <div class="text-wrapper"> </div> </div> </div> </a> </div> <div class="tile span-2-6 tile-type-regular without-spacing" > <a href="https://www.rolandberger.com/en/Insights/Publications/ESG-in-banking-Combining-sustainability-with-profitability.html" class="c-tile-content-new style-regular with-text with-image" c-expandable-teaser> <div class="label-wrapper"> <div class="c-label" style=" ">Study</div> </div> <div class="image"> <picture> <source media="(min-width:1024px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_836_esg_in_finance_st_tile_teaser_w425x260.jpg" /> <source media="(min-width:768px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_836_esg_in_finance_st_tile_teaser_w329x260.jpg" /> <source media="(min-width:480px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_836_esg_in_finance_st_tile_teaser_w380x260.jpg" /> <source media="(min-width:100px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_836_esg_in_finance_st_tile_teaser_q100.jpg" /> <img class=" lazyload" data-src="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_ins_836_esg_in_finance_st_tile_teaser_w425x260.jpg" alt="ESG in banking: Combining sustainability with profitability" copyright="Kohei Hara/Getty Images/174713847" /> </picture> </div> <div class="content-wrapper"> <div class="content"> <div class="headline" "> <div class="date"></div> <h2>ESG in banking: Combining sustainability with profitability</h2> </div> <div class="text-wrapper"> <div class="text" "> <p>For years, banks have known the importance of ESG within their industry. An ESG rating could be the deciding factor between keeping shareholders happy or losing them for good. But how important is the E, S, or G in ESG? Roland Berger’s report tells you more.</p> </div> </div> </div> </div> </a> </div> <div class="tile span-2-6 tile-type-regular without-spacing" > <a href="https://www.rolandberger.com/de/Insights/Publications/NXT-Commercial-Versicherer-stehen-vor-Wendepunkt-im-KMU-Segment.html" class="c-tile-content-new style-regular with-text with-image" c-expandable-teaser> <div class="c-flag flag-language" > <div class="row"> <span class="text"> Available in </span> </div> <div class="row"> <span class="flag-language-label">DE</span> </div> </div> <div class="label-wrapper"> <div class="c-label" style=" ">Article</div> </div> <div class="image"> <picture> <source media="(min-width:1024px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_24_2680_nxt_commercial_st_tile_teaser_w425x260.jpg" /> <source media="(min-width:768px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_24_2680_nxt_commercial_st_tile_teaser_w329x260.jpg" /> <source media="(min-width:480px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_24_2680_nxt_commercial_st_tile_teaser_w380x260.jpg" /> <source media="(min-width:100px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_24_2680_nxt_commercial_st_tile_teaser_q100.jpg" /> <img class=" lazyload" data-src="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_24_2680_nxt_commercial_st_tile_teaser_w425x260.jpg" alt="NXT: Commercial - Insurers face turning point in SME segment" /> </picture> </div> <div class="content-wrapper"> <div class="content"> <div class="headline" "> <div class="date"></div> <h2>NXT: Commercial - Insurers face turning point in SME segment</h2> </div> <div class="text-wrapper"> <div class="text" "> <p>Study uncovers new customer expectations.</p> </div> </div> </div> </div> </a> </div> <div class="tile span-2-6 tile-type-regular without-spacing" > <a href="https://www.rolandberger.com/en/Insights/Publications/Hit-or-hype-Ecosystems-in-the-insurance-industry.html" class="c-tile-content-new style-regular with-text with-image" c-expandable-teaser> <div class="label-wrapper"> <div class="c-label" style=" ">Study</div> </div> <div class="image"> <picture> <source media="(min-width:1024px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_23_0213_digital_ecosystems_in_insurance_st_tile_teaser_w425x260.jpg" /> <source media="(min-width:768px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_23_0213_digital_ecosystems_in_insurance_st_tile_teaser_w329x260.jpg" /> <source media="(min-width:480px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_23_0213_digital_ecosystems_in_insurance_st_tile_teaser_w380x260.jpg" /> <source media="(min-width:100px)" data-srcset="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_23_0213_digital_ecosystems_in_insurance_st_tile_teaser_q100.jpg" /> <img class=" lazyload" data-src="https://img.rolandberger.com/img/Tiles/Tile-Content/roland_berger_23_0213_digital_ecosystems_in_insurance_st_tile_teaser_w425x260.jpg" alt="Hit or hype? 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