Lessons From The “Machinery Room”
While digitization helps businesses better address customer expectations, it has become just another management headache along with low interest rates, regulatory scrutiny, value chain fragmentation and consolidation pressures. Technological possibilities have turned into tangible options, and as such, management should treat these advancements as prioritized agenda items and reintroduce the need for machinery room capabilities.
While refining some key success factors already identified in our 2016 paper, this digitalization update note focuses on:
- Cost and revenue drivers impacted by digitalization
- A rapid review framework for fixing basic IT gaps preventing banks from successfully getting started with digitalization
- A maturity framework for assessing the current state of digitalization in banks
- An example case study on per-transaction cost effects from digitalization
A&M would be happy to discuss our insights and to help you digitalize more cost and revenue effectively.
Click here to read more.
The Spanish Banking Pulse Q4 2025
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In this edition, we share results from our research examining 10 biggest Spanish banks (“top 10”) with regard to their activities within Spain and highlight key performance indicators of the Spanish banking industry.
The Mutual Holding Company Decision: Converting Structural Flexibility into Competitive Advantage
April 22, 2026
Mutual Holding Company (MHC) conversion has emerged as a credible strategic option, offering a way to address market headwinds without sacrificing mutual identity. However, structural change alone does not guarantee improved performance. Success depends on disciplined capital deployment, targeted technology and talent investment, and the governance capability to manage greater complexity.
Insurance agency compensation in focus
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Agency distribution continues to be the main distribution channel for life insurance across Asia. However, traditional agency compensation models that rely heavily on large first-year commissions (FYC) are creating challenges such as low agent activation, weak customer persistency, and shrinking margins.
Alvarez & Marsal Releases FY 2025 KSA Banking Pulse
April 16, 2026
The latest edition of the Kingdom of Saudi Arabia (KSA) Banking Pulse analyzes the FY 2025 performance of the kingdom’s ten largest listed banks. The year reflects resilience and rebalancing in the Saudi banking sector, with moderating credit growth alongside strong profitability, improved asset quality, and solid balance sheet strength, supported by a favorable macro-outlook and ongoing Vision 2030 momentum.
