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April 25, 2023

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

Region:
International
Corporate Bank Research
Topic:
Digital
Analyst:
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. [more]
April 21, 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:
Germany
Germany Monitor
Topic:
Real estate
Analyst:
Jochen Moebert
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. [more]
April 11, 2023

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

Region:
International
Podzept (Podcast series)
Analyst:
Adrian Cox, Cassidy Ainsworth-Grace, Marion Laboure
Listen 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. [more]
April 6, 2023

European banks: Solid fundamentals

Region:
Europe
Talking Point
Topic:
Banking and financial markets
Analyst:
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. [more]
March 31, 2023

Energy Transition Monitor #1 – what, when and how

Region:
Germany
Germany Blog
Topic:
Economic and european policy, Sectors and resources
Analyst:
Eric Heymann, Marion Mühlberger
PDF 461k
In the first edition of our Energy Transition Monitor, we take stock of the current speed of renewables rollout, e-car uptake, heat-pump installations, and energy infrastructure build-up (e.g., regarding hydrogen) in Germany. We then analyse existing bottlenecks for reaching envisaged targets for 2030. Finally, we provide an update of current policy action aimed at mitigating those bottlenecks, both at the EU and national level, and potential implications of these policy measures on investment spending (private and public). [more]
March 27, 2023

Video: Intraday seasonality

Region:
International
dbInSights - public
Analyst:
Blaz Zlicar, Rohini Grover
Watch video 
In a new report Rohini Grover, FX and Blaz Zlicar, QIS revisit intraday seasonality in currency markets, combining fundamental with quantitative analysis, and providing fresh insights into origins and statistical robustness of this market anomaly. Their results have implications for both intraday execution and development of standalone alpha strategies. Stay tuned for further insights on the topic, in the meantime watch this video. [more]
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