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25. April 2023

The Future of Payments: Series 4 - Part III. Bye-bye cash, hello digital payments

Region:
International
Corporate Bank Research
Thema:
Digital
Autor:
Cassidy Ainsworth-Grace, Marion Laboure, Nejati Nooshin
PDF 17M
We dig into how the world of payments is moving away from cash towards digital payments. This structural shift from cash to digital payments is expected to continue in 2023 with further evolution of digital IDs and digital wallets. Amid a macro slowdown, we expect financial solutions offered by non-financial firms, such as embedded financing, to play a major role in the further adoption of digital payments. [mehr]
21. April 2023

2023 Housing market outlook: Price dip and interest rate peak ahead. Significantly higher prices likely in the long term. Refurbishment costs are taken into account

Region:
Deutschland
Germany Monitor
Thema:
Immobilien
Autor:
Jochen Möbert
PDF 531k
The boom is over. Five key arguments lead us to expect only a price dip. Negative real interest rates, inflation protection through real estate, rising rental growth and most importantly a high fundamental supply shortage. In addition, real house prices have already fallen very sharply due to the surge in inflation. CO2 emissions from buildings are increasingly coming into focus. Prices have started to diverge between properties with low and high emissions. This divergence is likely to increase. [mehr]
18. April 2023

Ausblick auf den deutschen Wohnungsmarkt 2023: Preisdelle und Zinsgipfel voraus. Langfristig deutlich höhere Preise wahrscheinlich. Sanierungskosten werden eingerechnet

Region:
Deutschland
Deutschland-Monitor
Thema:
Immobilien
Autor:
Jochen Möbert
PDF 945k
Der Boom ist vorbei. Fünf Schlüsselargumente lassen uns nur einen Preisrückgang erwarten. Negative Realzinsen, Inflationsschutz durch Immobilien, steigendes Mietwachstum und vor allem eine hohe fundamentale Angebotsknappheit. Hinzu kommt, dass die realen Hauspreise durch den Inflationsschub bereits sehr stark gefallen sind. Die CO2-Emissionen von Gebäuden rücken zunehmend in den Fokus. Die Preise haben begonnen, zwischen Immobilien mit niedrigen und hohen Emissionen zu divergieren. Diese Divergenz wird sich wahrscheinlich noch verstärken. [mehr]
11. April 2023

AI & The Five Ws: Why, What, Who, When, Where?

Region:
International
Podzept (Podcast series)
Autor:
Adrian Cox, Cassidy Ainsworth-Grace, Marion Laboure
Anhören Audio 11M
Artificial intelligence is beginning to permeate our lives, but the technology and opportunities likely remain a mystery to many. In this podcast, Dr Marion Laboure, Adrian Cox and Cassidy Ainsworth-Grace look at today’s artificial intelligence landscape, its rapid growth and the new capabilities of ChatGPT and its competitors. [mehr]
6. April 2023

European banks: Solid fundamentals

Region:
Europa
Talking Point
Thema:
Banken und Finanzmärkte
Autor:
Jan Schildbach
Online PDF 101k
Recent wobbles in US and European banking markets have been triggered by idiosyncratic issues at some institutions and broader uncertainty about the impact of central banks’ monetary tightening. However, capital and liquidity levels of the banking industry in Europe continue to be very robust. In addition, asset quality and profitability are the strongest since the financial crisis 15 years ago. Nevertheless, the market tensions are likely to result in banks tightening lending conditions for the private sector further and they could fuel discussions about the effectiveness and potential adjustments of some regulations. [mehr]
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