Financial Services Consulting
Banks and insurers must rethink and streamline their business and operating models, strengthen efficiency and align operations with long-term resilience. We turn investment into performance improvement and competitive strength.
INVESTMENT IS HIGH IMPACT MUST FOLLOW
Despite significant investment in digitalisation, productivity gains fall short of expectations. Legacy IT systems, fragmented platforms and data structures, and rising compliance requirements weigh heavily on performance, while AI rarely moves beyond pilot stages to measurable impact. The winners close the gap between spend and impact, building business and operating models that are resilient, efficient and future-ready.
The shift in one view:
Oliver Wehrkamp
Partner
In financial services, the winners are not those who invest the most. They are the ones who turn investment into impact.
ONE SECTOR FOUR FORCES
Each pressure alone is manageable. Together, they redraw the playbook.
The productivity gap
- Heavy investment in digitalisation, productivity gains fall short
- Legacy IT systems and fragmented platforms slow delivery
- Fragmented data structures weigh on performance
AI beyond the pilot
- AI struggles to move beyond pilots to measurable impact
- Lack of strategic focus and clear governance
- Fragmented IT and data landscapes block scale
Margins and competition
- Rising margin pressure and intensifying competition
- Shortage of skilled talent
- Customers expect digital and personalised solutions
Regulation and risk
- Mounting regulatory pressure and compliance requirements
- Rising cyber risks
- Resilience and future viability are essential
DELIVERING MEASURABLE RESULTS
HOW WE IMPROVE YOUR PERFORMANCE
We connect strategy with execution across four areas that decide whether banks and insurers turn pressure into competitive strength.
Efficiency Optimisation & Cost Reduction
Driving sustainable profitability and growth through excellence in sales, organisation, operations and cost management.
- Cost excellence across functions, processes and technology
- Lean, effective operating models
- Sustainable profitability and growth
IT/Digital Transformation & AI Integration
Leveraging IT and AI integration as levers for performance and value-driven performance management.
- IT investments aligned to strategic goals
- AI moved from pilot to measurable impact
- Value-driven performance management
Sales Performance & Steering
Enhancing sales performance and customer focus for competitive advantage.
- Sales performance and structures optimised
- Steering toward profitable growth
- Customer focus as competitive advantage
Governance, Risk & Compliance
Adapting business and operating models to change and regulatory requirements.
- Continuous adaptation for sustainable transformation
- Risk and control by design
- Resilience aligned to regulatory shifts
IMPACT THAT MATTERS
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Despite strong results, banks and insurers are at a turning point: business models must be sharpened, redefined, and consistently aligned with future viability. Growth emerges where efficiency, resilience, and technology are intelligently combined. At H&Z, our ambition is not only to provide strategic guidance, but to achieve measurable impact together with our clients.
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Every bank and insurance company knows its purchasing figures – but what really matters is what we make of them. With the right levers, measurable effects can be achieved and room for strategic initiatives can be created. Our H&Z approach shows how to achieve sustainable procurement optimization.
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REAL WORK REAL OUTCOMES
Results do not come from concepts. They come from execution.
FINANCIAL SERVICES DEEP-DIVES
TRACKING TRENDS IN THE FINANCIAL SERVICES INDUSTRY
Our Financial Services Pulse Check gives a clear, data-driven view of the strategic priorities, challenges and trends shaping banking and insurance.
- Strategic priorities of 150+ leading decision makers
- Where transformation, resilience and efficiency must focus
- Which levers move competitive strength
OUR LATEST INSIGHTS ON FINANCIAL SERVICES
GET IN TOUCH WITH OUR FINANCIAL SERVICES EXPERT
For tailored advice and insights, our expert is available to support you with strategic and operational guidance.
With head, heart and hand, from strategy to implementation.
