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01The Stockholm FinTech Week 2019: Summary

Last week Kidbrooke Advisory participated in the Stockholm FinTech Week 2019! More specifically, we had a chance to attend the events within the following areas: FinTech & Market leadership collaboration, RegTech, InsurTech, Sustainability and Impact Tech and finally Regulation & Nordic Collaboration. The discussions centred on the best practices in building cooperative relationships between the emerging industry participants and the traditional financial institutions, the role of the regulations and the regulators in a changing industry, the rising awareness of climate change as well as the potential of the cutting-edge technology adopted by the market participants.

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02End of LIBOR: A Rising Challenge for The Insurers

Driven by the consequences of the global financial crisis in 2008 and the LIBOR scandal in 2012, the world’s financial regulators set off the search for alternative reference rates that could better reflect the underlying market and would be more difficult to manipulate. Since financial institutions use the reference rates to design contracts of various kinds, the impact of this change will be considerable. However, most of the available analysis and other material on this topic describe the challenges of such a transition only for banks, frequently leaving out the insurers who are significantly affected by the change as well. Therefore, it becomes essential to highlight global best practices regarding the preparation for replacing the -IBOR in the insurance industry.

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Digital Advice

Financial advice is being digitalised and is increasingly provided on an automated basis. Download our summary of the latest developments within this exciting field.

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LSMC
Part II: Asset and Liability Management Using LSMC - Accuracy and Performance

The second part of the series exploring the use of Least Squares Monte Carlo in Asset and Liability Management is focused on evaluation of accuracy and performance of this method in comparison to full nested Monte Carlo simulation benchmarks.

Risk
Part I: Asset and Liability Management Using LSMC - Introduction to the Framework

In the first part of the ”Asset and Liability Management using LSMC” article series, we outline an ALM framework based on a replicating portfolio approach along with a suitable financial objective. This ALM framework, albeit simplified, is constructed to provide a straightforward replication of the complex interactions between assets and liabilities. Moreover, a brief introduction to the LSMC method used to generate all underlying risk factors is presented.

Cyber
Part III: Cyber Risk Management, Security Controls and Insurance

In continuation of our discussion of cyber risk, this paper investigates the issues of cyber risk management within financial industry. In particular, we look into the process of determining the optimal size of the investments in cyber security as well as the quantification of the appropriate cyber insurance premiums.

Cyber
Part II: Cyber Risk; A Prime Component of Operational Risk

In continuation of our discussion of cyber risk, this article reviews different methods and models, which can be used to analyse and quantify the risks of information security breaches faced by the contemporary financial industry.

What we do

We improve decision making under uncertainty

Our work empowers millions of people to make, or benefit from, informed financial decisions under uncertainty. Asset liability management, capital requirements and automated financial advice - everything we do helps support our vision that everyone should have access to world class risk management tools.