Banking & Finance

Retail banks, credit institutions, fintechs, asset managers, private banks, payment specialists and wealth managers… Our solutions support the sector’s transformations, from lending to savings, helping financial organisations and institutions better anticipate their markets and risks.

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The banking and financial sector is undergoing a profound phase of restructuring.

Accelerated digitalisation, network rationalisation, open finance, artificial intelligence and new payment solutions are reshaping business models. Retail, corporate and online banks must balance cost control, innovation, interest rate management and asset optimisation, while complying with increasingly demanding regulation.

At the same time, the transition towards more sustainable and responsible finance is emerging as a major strategic lever and one of the key challenges in restoring trust and competitiveness.

1 million

number of people who change banks each year

€140bn

net banking income (NBI) of the main French banking groups

77 million

number of payment cards in circulation in France

10%

share of French people who hold crypto-assets

From the Expert

An informal exchange between experts discussing trends in the banking sector

« In sustainable finance, savings and investment providers must simplify their messaging and better explain the issues surrounding responsible investment. They need to prioritise education in order to give clients the keys to understanding, as many remain uncomfortable with this concept. »

Aurélien Vernet

Banking and Finance Sector Expert, Xerfi

Professionals analyzing economic and financial indicators through graphical reports

Our solutions for banking and financial services

Drawing on its recognised expertise in the economy and markets, Xerfi offers a comprehensive range of analysis and advisory solutions. From flagship reports to bespoke analyses, from Call Expert to videos and conferences led by our consultants, we support private and public organisations alike in turning analysis into action.

Usage and Attitude studies, insight-driven analysis

To decode the expectations of retail and corporate clients—perceptions of sustainable finance, new digital behaviours, the appeal of neobanks and online wealth management—and to guide your acquisition and retention strategies.

Strategic benchmarks and trend reports

To identify tomorrow’s performance levers-AI integration in processes, new digital customer journeys and the rise of green finance. These analyses help to understand the winning strategies of market leaders and anticipate market disruptions.

Brand awareness reports and brand image audits.

To assess the perception of your brand and its positioning versus competitors (online banks, fintechs, payment players), measure customer trust, and identify levers to strengthen your attractiveness and differentiation.

Economic, regulatory and societal impact reports

To measure the effects of public policies, prudential regulation or ESG initiatives on your activities, assess your contribution to the real economy, and support your advocacy and institutional communication efforts.

Economic and social assessments and contribution analyses

To quantify the economic and societal impact of your activities—employment, taxation, financing of the real economy and financial inclusion. These assessments strengthen your case with regulators, investors and other stakeholders.

Modern glass façades of commercial office buildings - illustrating the banking and finance sector

Use case

Understanding digital usage patterns and retail customers’ perceptions of sustainable finance to reorient the strategy of a major banking network

Detailed challenge

A major banking network was facing declining branch footfall, increasing competition from neobanks, and a persistent lack of customer understanding of sustainable finance offerings. Management sought to objectify new digital usage patterns, measure genuine appetite for responsible investment, and redefine distribution journeys.

Objectives

Analyse customer expectations and behaviours with regard to banking services and savings products.
Measure perceptions, barriers and levers related to sustainable finance.
Understand trade-offs between branch, mobile and web channels.
Identify differentiation levers for customer acquisition and retention.

Solutions

Usage and Attitude studies: in-depth customer segmentation, analysis of perceptions of sustainable finance, and measurement of digital usage (apps, payments, digital savings).
Strategic benchmarking: comparison of the strategies of traditional banks and neobanks in digital services and ESG governance.
Economic and regulatory impact studies: analysis of the effects of SFDR, DDA and CSRD regulations on savings products and wealth management advisory services.
Economic and social assessments: measurement of the banking network’s contribution to the real economy and support for institutional communication.