Financial Services Consulting – SIS International
Financial Services Research

Market Research and Competitive Intelligence for Banks, Insurers, and FinTech

SIS interviews retail banking executives, wealth management directors, insurance product managers, payments executives, and compliance officers about how they evaluate vendors, respond to regulatory change, and make technology investment decisions. Research covers digital transformation, FinTech competitive positioning, open banking adoption, and regulatory compliance readiness.

Financial Services Market Research and Consulting
What We Research

Six Areas of Financial Services Intelligence

Each area is informed by structured interviews with the people who make procurement, compliance, and product decisions at financial institutions. SIS recruits respondents by institutional role, asset class, and regulatory jurisdiction.

Digital Transformation and AI Adoption

SIS interviews CIOs, CTOs, and operations directors at banks and insurers about where automation, AI-driven personalization, and predictive analytics are delivering measurable returns and where deployments are stalling. Research covers vendor selection criteria, integration timelines, total cost of ownership, and the gap between pilot results and scaled production performance. Recent work has covered AI adoption in credit underwriting, claims processing automation, and customer service chatbot deployment.

FinTech Competitive Intelligence and Market Entry

SIS tracks FinTech competitors through SEC filings, funding round disclosures, patent activity, API documentation changes, and structured interviews with channel partners and enterprise customers. For FinTech companies entering new markets, research covers local banking behaviors, trust signals, regulatory licensing requirements, and competitive positioning. SIS has assessed FinTech market entry in Southeast Asian mobile payments, Latin American neobanking, and European open banking ecosystems.

Financial Product UX and Trust Research

SIS runs usability studies on banking apps, trading platforms, insurance portals, and digital onboarding flows at our Flatiron District facility and online. Research measures task completion, error recovery, security perception, and the specific steps where users abandon the process. For a digital banking client, SIS identified that the primary onboarding drop-off occurred at the identity verification step, where the process took three times longer than the competitor benchmark.

Open Banking and Payments Intelligence

SIS interviews payments executives, API product managers, and banking-as-a-service providers about PSD2/PSD3 implementation, open banking adoption rates, and embedded finance partnership structures. Research covers cross-border remittance economics, real-time payment rail adoption, and the competitive dynamics between traditional card networks, account-to-account payments, and digital wallet platforms. Regulatory research tracks implementation timelines across the EU, UK, US, and APAC jurisdictions.

Regulatory Compliance Research

SIS tracks regulatory changes that affect product design, market entry timing, and operational requirements. Coverage includes Basel III/IV capital adequacy requirements, MiFID II transaction reporting, Dodd-Frank compliance obligations, SOX audit requirements, and AML/KYC regulatory evolution. SIS interviews compliance officers and regulatory affairs directors to understand how institutions are interpreting new requirements and where compliance creates operational bottlenecks or vendor procurement decisions.

Wealth Management and ESG Research

SIS interviews wealth advisors, family office managers, and HNWI clients about investment product preferences, advisor-client relationship dynamics, and the shift toward ESG-mandated portfolios. Research covers robo-advisor adoption, fee sensitivity by client segment, and the impact of generational wealth transfer on advisory model expectations. For institutional investors, SIS tracks ESG reporting requirements (SFDR, EU Taxonomy Regulation) and how these affect product structuring and distribution strategy.

SIS International – Financial Services Consulting
HOW SIS CONDUCTS FINANCIAL SERVICES RESEARCH

Three Engagement Types for Banks, Insurers, and FinTech Companies

Each engagement starts with structured interviews with the people who make technology, compliance, and product decisions at financial institutions. SIS launched its FinTech consulting division in 2018 and its Blockchain practice in 2019.

ENGAGEMENT 01 // TECHNOLOGY
DIGITAL TRANSFORMATION AND VENDOR EVALUATION
Find Out Where AI and Automation Will Actually Deliver Returns
SIS interviews CIOs, CTOs, and operations directors at banks and insurance companies about where technology investments are producing measurable results and where they are stalling. Research covers AI adoption in credit scoring and underwriting, claims processing automation, customer service chatbot deployment, and fraud detection systems. SIS evaluates vendor selection criteria, integration complexity, total cost of ownership, and the gap between vendor demo performance and production results. The output helps technology committees prioritize investment by measured impact rather than by vendor pitch.
ENGAGEMENT 02 // MARKET ENTRY
FINTECH EXPANSION AND COMPETITIVE INTELLIGENCE
Enter New Financial Markets with Local Intelligence, Not Assumptions
SIS interviews local banking executives, payments operators, and regulatory affairs officers to assess market readiness before a FinTech company or established institution commits resources. Research covers local banking behaviors, trust signals (which vary dramatically between markets), regulatory licensing timelines, and competitive positioning of incumbents and other entrants. SIS has assessed FinTech market entry in Southeast Asian mobile payments, Latin American neobanking, European open banking under PSD2/PSD3, and Gulf state digital banking licensing.
ENGAGEMENT 03 // COMPLIANCE
REGULATORY INTELLIGENCE AND RISK ASSESSMENT
Track Regulatory Changes Before They Create Operational Risk
SIS monitors regulatory proposals and enforcement actions that affect product design, market timing, and operational requirements across jurisdictions. Coverage includes Basel III/IV capital adequacy, MiFID II/MiFIR transaction reporting, Dodd-Frank compliance, SOX audit requirements, PSD2/PSD3 open banking mandates, and AML/KYC regulatory evolution. SIS interviews compliance officers and regulatory affairs directors to understand how institutions are interpreting new requirements and where compliance creates procurement decisions (new vendors, system upgrades, process redesigns).
WHAT YOU RECEIVE

Financial Research from Primary Sources

SIS does not repackage syndicated financial data or analyst reports. Every finding comes from structured interviews with the banking executives, compliance officers, FinTech operators, and enterprise customers who participate in the decisions the client is trying to understand.

01
Technology Vendor Evaluation with Deployment Data

Structured assessment of financial technology vendors based on interviews with institutions that have deployed the product. Findings cover integration timelines, production-environment performance versus demo claims, total cost of ownership, and the operational changes required for adoption. Technology committees use this to shortlist vendors with evidence instead of sales presentations.

02
Market Entry Assessment with Regulatory Roadmap

Country-specific market entry analysis built from interviews with local banking executives and regulatory officers. Findings cover licensing requirements and timelines, local competitive dynamics, customer acquisition cost benchmarks, and the specific trust signals that drive adoption in each market. Regulatory roadmap identifies the approvals, capital requirements, and compliance obligations that must be satisfied before launch.

03
Regulatory Impact Analysis by Jurisdiction

Named regulatory frameworks (Basel III/IV, MiFID II, PSD3, Dodd-Frank, AML/KYC directives) mapped to the specific operational, product, and technology changes they require. For each regulation, the analysis identifies compliance timelines, the departments and systems affected, and where the regulatory change creates vendor procurement or system upgrade decisions. Legal and compliance teams use this to plan implementation budgets and resource allocation.

04
Financial Product UX Findings with Drop-Off Analysis

Usability testing results from banking app, trading platform, and onboarding flow evaluations conducted at SIS’s NYC facility and online. Findings identify the exact step where users abandon the process, the security perception thresholds that affect trust, and the design changes that would improve conversion. For a digital banking client, SIS identified that identity verification took three times longer than the competitor benchmark, accounting for 60% of onboarding abandonment.


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