Supervisory authorities introduce ever more rigorous controls and issue provisions and directives that the financial institutions need to quickly adopt and observe.

Marked changes in the behaviour of the clientele have induced financial institutions to constantly adapt their offer of financial products and services, improving their intrinsic value. World wide asset management companies, competing with banks that specialise in private banking are increasingly numerous and aggressive and courting the private client.

Every financial institution is consequently obliged to «defend» its own clientele from belligerent and highly organised competitors. In this context they need to constantly adapt their infrastructure and their business development strategies. Technology plays an increasingly important role in the introduction of new financial products and services. It provides instruments to control financial and operational risks and permits the increased automation of working processes.

In its role as a partner in business integration, THEMA Consulting has focused on the European market specialising in the financial sector.