Banking and Financial Services
The client, offering an accounting accreditation program, wanted to determine the business opportunities available in companies in India and Zimbabwe. We identified large multinational and domestic companies that had an accounting department in the country. Detailed profiles were created for each company - hierarchical structure, operations, revenues, projected growth, and size of the accounting department.
The client wanted to target specific customers in the BFSI sector to offer them outsourcing services. Our research covered the vendor landscape and each of these customer segments - regulations, level of outsourcing, key needs & gaps, and outsourcing trends and forecasts. Interviews with vendors, customers, and experts from across India provided a detailed mapping of vendors with customers and the services provided by them.
A Baltic-based IT firm, keen to enter the Indian banking and card payment segment, wanted to meet with banks and service providers who could be prospective business partners. Multiple banks, service providers (banking & card payment systems providers) and card associations were contacted to identify the key decision makers. After initial discussion with the respondents, we introduced the interested ones to the client.
A card payment systems company, based in Latvia, wanted to meet prospective clients in India as part of their India market entry strategy. ValueNotes helped the client set up appointments with key decision makers in different banks and organizations related to card-based payments.
An asset management company wanted to understand the global publishing outsourcing business, with a focus on India as an outsourcing hub. In-depth interviews with publishers as well as service providers establish the market size and expected growth in the books and STM (science, technology & medical) segments. The study identified key technology trends and a comparison of salaries and billing rates across outsourcing destinations.
As part of a growth plan, a leading training firm wanted to understand the training & certification market for the financial services industry in APAC, South Africa, and the Middle East, and identify the most viable countries. A blend of secondary research and interviews with the demand & supply segments established the market scenario, growth by geography, and profiles of leading customers.
The client, an Australian conglomerate, required a dedicated research team to provide them with research support services. Their objective was to identify companies and sectors they could invest in. Research requests included targeted list generation based on specific parameters, company profiles, and market and industry reports. Despite the time difference, the client was able to achieve their objectives by receiving timely outputs at a competitive cost.
A UK-based global provider of dedicated payment solutions wanted to understand their competition in the virtual card industry. Virtual cards is a technology that allows users to set up a one-time valid credit/prepaid card account with a bank or an independent entity that can be used to purchase goods and services. Our research helped the client assess their competitors on the basis of their commercial terms, funding models and data reporting capabilities.
A Baltic-based IT firm wanted to assess the attractiveness of India's banking and card payment systems market. Interviews with industry experts and competitors provided an analysis of the country's banking ecosystem, the current market size segmented by product and customer, future trends, and the competitor and customer landscape. Based on the research, the client was able to prepare a comprehensive market entry strategy for India.
Our client wanted to position themselves as a leading tax advisory firm amongst IT/ITeS companies. Through a thought leadership report, they were able to showcase India as a go-to offshoring destination, despite the country's ambiguous tax structure. Interviews with leading IT firms and industry associations highlighted the current state of India's IT/ITeS industry, upcoming IT locations across the globe, and a detailed outlay of the taxation laws for the industry.
A leading bank in the US wanted to develop financial products targeted at the Hispanic business community and women entrepreneurs. Our report, based on government data and secondary research, provided insights into the demographics of these target segments, and their preferences and behaviour towards financial products. Based on our research, the client was able to design suitable products and devise an appropriate marketing strategy.
A leading American financial services firm wanted a snapshot of the competitive environment in 50 major cities in the US and their market position. Over 1,000 service providers were profiled through desk research to understand their service capabilities. The information helped our client gain strategic and tactical perspectives to adjust their promotional activities.
A US financial services firm wanted a snapshot of the competitive environment of accounting firms in 50 major cities in the country. Over 1000 firms were profiled to understand their service capabilities and pricing structures. Job titles, skill sets and recommendations of nearly 500 employees were captured. The client was able to amend their promotional activities, and establish the skill sets that were critical for their competitors.
A global investment group wanted to evaluate acquisition opportunities in the African K-12 space. ValueNotes surveyed parents from private schools in Cape Town and Johannesburg to understand their selection criteria and satisfaction levels of their children's schools. Despite the challenging task of conducting face-to-face interviews with parents at the school gates, we were able to establish parents' preferred private national curriculum schools; the reasons behind the choice; their preference for a particular examination board.
Monthly cover article for a leading asset management company (AMC), which includes ideation, design, research and content creation - focused on the needs of independent financial advisors. The AMC leverages ValueNotes' research-backed content, editorial processes and domain knowledge to engage effectively with its financial advisors.
Along with HDFC Life, ValueNotes designed and published the Life Freedom Index to assess the current state of financial freedom of urban Indians. The index was based on a nation-wide survey and the findings were distilled into various specific indices such as the Financial Awareness Index, Financial Planning Index, Financial Sufficiency Index, Financial Adequacy Index, and the Financial Liberty Index.
The client needed to understand customer perception towards their home loan products and services. Our research captured buyer behaviour and provided insights on selection of loan provider, client's relative positioning, attractiveness of features and service quality. This helped fine tune service delivery and sales processes.
ValueNotes tracks and monitors global marine P&C segment trends for one of the world's biggest competitive intelligence providers, on a daily basis. This helps a global P&C insurer track regulatory changes, pricing trends, catastrophes, competitor activity and strategy, new products & updates, and analyst views.
Post global financial crisis, margin lending strategies have been questioned for their effectiveness and appropriateness. Our research focused on the future of this industry, with details on appropriate gearing levels, needs & risk awareness of different customer segments, and expected industry performance
Our client had significant holdings in Chinese companies (listed and un-listed) that have a significant portion of their assets in real estate. The analysis involved evaluating if immovable property assets were within specified limits. Required interpretation and translation services for Annual Reports published in Chinese
Analysis to assess investment yield potential of a Indian Realty Fund for an international property fund. Our report analyzed the quality of underlying real estate assets, efficiency of tax structure and perceived risks from an "ears on the ground" perspective and cash flow projections to assess projected yields.
Our client, a major global wealth manager wanted to enter the Indian wealth management market. Our research report highlighted the overall size and nature of the wealth management market (including insurance funds), regulatory environment, barriers to entry, growth forecasts, product analysis, asset allocation and SWOT of key competitors.
Market research on the buying behaviour of the Sophisticated Retail Investor - to understand savings and investment patterns, decision making and influencing factors, perceptions towards equity and mutual funds. The survey highlighted the differences in investment behaviour across demographics (age, profession, income); and cities/regions.
Study on consumer lending patterns amongst India's lower middle class, geographical and product-wise segmentation of market along with an analysis of key issues faced by lenders and borrowers in this market for one of the world's largest private equity funds.
Report on Shariah-compliant managed funds in major international markets. Analyzed asset allocation & Shariah compliance strategies of these funds, especially with regard to interest. In-depth coverage of the Islamic fund markets in the Gulf countries, Malaysia and emerging opportunities in the US, UK, Europe and select Asian countries.
We studied defined benefit pension & life insurance plans in the UK and US, their ALM (asset liability management) strategies with a specific focus on LDI (liability driven investment). The report covered, each plan's specific asset allocation strategy, and its approach to LDI
Researched the various consumer loans and credit card products offered by major banks in four markets - India, Indonesia, Pakistan and Singapore. Products were benchmarked on product features, fees/charges, interest rates and incentives.
A global technology solutions provider wanted to demonstrate domain competency and technology strengths to customers in BFSI. We created a monthly newsletter focused on key business, product, service and distribution trends across banking, investment & wealth management, life & non-life insurance, and other financial services
A research publisher created new revenue streams by leveraging ValueNotes' domain knowledge and research publishing expertise. The reports analyzed best practices in outsourcing of Accounts Payable & Accounts Receivable by US corporations; including buyer challenges, benefits & risks of outsourcing, SLAs, relationship management and vendor capabilities
A global leader in infrastructure funds wanted to showcase their knowledge through research-backed information. We provide content for a monthly global infrastructure update covering projects in energy & power, water & waste management, transport, utilities, social infrastructure, and telecom.
An Indian private sector bank wanted to better engage with small and medium enterprises (SME segment) beyond the role of bankers, by providing timely and relevant information, and adding value to their business. The project involved creating a bi-monthly newsletter - ideation, design and providing bespoke content. The bank was able to leverage our custom content creation expertise and domain experience.
A new entrant in India's insurance sector wanted to assess the response of large companies to allow insurance sales at the work place. HR heads from >200 companies were interviewed to determine the kind of support that companies would offer (unlimited access to employees, meeting rooms, special seminars, payroll deduction, etc).
The client was looking to launch investment management products in India. The first phase of the study detailed the players in the Indian market, government regulations, and investment and savings habits of consumers. The second phase involved providing an analysis of the mutual fund distribution market in India.
The client, an international investment manager wanted to invest in several India-based hedge funds, and required due diligence on these managers. Checks involved, among others, conducting anonymous site visits to double check location and business credentials, and photographs were sent as evidence.
A wealth manager wanted to assess the willingness of high net worth individuals in Asia to buy wealth management products distributed via mobile devices/smart phones. In-depth interviews were conducted with HNIs, ensuring that the selected sample had adequate representation across occupational status and major life stages.
Continuous news monitoring of the corporate, social and environmental responsibility (CSR) sector; and identification and analysis of key CSR themes. We have developed a robust, partly automated process, which is continuously reviewed and improved. The research helps the client benchmark and refine their own programs effectively.
For this quarterly newsletter, we created custom articles; related to banking, risk management, credit quality, asset management, macro-economic impact on financial markets, etc. The newsletter is published for the benefit of the client's customers.
A financial services industry association wanted to revise its investor awareness booklet to reflect recent trends and regulatory changes. The project involved designing and creating an unbiased, easy-to-read educative document for the novice investors, keeping in mind the industry association's fiduciary and promotional role.
ValueNotes publishes a quarterly newsletter for a leading private Indian bank; which includes ideation, design, research and content creation - focused on the needs of SME customers. The bank leverages ValueNotes' research-backed content, editorial processes and domain knowledge to engage effectively with SME customers
A banking industry association wanted to research changing consumer behaviour post global financial crisis. The study captured perceptions on portfolio allocation & risk appetite, retirement plans, investment strategies, and competing financial products â€“ highlighting needed innovation & price sensitivity in fixed-price banking products
An analysis of 150,000 Indian companies by size (insurable assets), location and sector. We derived empirical relationships between insurable assets and gross fixed assets, for variations in company age and size across 48 industry verticals. The data helped map the general insurance market by sector & location.
The client required a detailed analysis of the pension systems in Chile, Ireland, Singapore, Sweden, Switzerland, and the UK. The report analyzed regulation; market structure; retirement/pension adequacy; choice of model (compulsory / voluntary, private / public); competitive landscape; pension product pricing; current trends and expected developments in each market
Statistical analysis of a company's share price to benchmark performance against its peers. Analysis entailed the construction of a bespoke index for select sector stocks to arrive at the benchmark performance rate to target above the CPI and bank rate.
Detailed statistical analysis of a major banking and financial services stock to establish its relationship (sensitivity) with global and local interest rates (nominal and real) and the benchmark index. Analysis included the use of correlation and regression models to explain past behaviour and predict future movements.
The methodology included back testing portfolio modelling and allocation strategies of a major international fund manager for its effectiveness in delivering the best relative returns. Statistical methods used included Spearman's rank correlation, standard deviation, and co-efficient of variation. The analysis was used to comment on the stock rating policy employed by the client and the extent of correlation between stock performance and ranking/rating
In-depth telephonic and face-to-face interviews with senior executives (CFOs / finance Directors / Company Secretaries) in more than 100 large organizations to assess needs gap in the Risk Management industry in India. The client's decision to introduce a new product was based on the field work conducted by ValueNotes
This research, for a European payment systems provider evaluated the potential opportunity in the Indian mobile payments market. Deep insights were provided via in-depth interviews with financial and telecom regulators, m-payment providers, telecom carriers, and potential customers in m-commerce, media, mobile gaming.
Analyzed the usage of travel and entertainment (T&E) corporate cards by companies in India, Australia, UK, South Africa and Ireland. Conducted in-depth interviews with both quantitative and qualitative data on T&E card usage, annual T&E spends, key trends and the Expense Management Systems used to track spend.
Designed, constructed and published the first ever investment sentiment index with JP Morgan Asset Management. The index is based on a nation-wide survey of over 1600 retail investors, 300 advisors and 50 corporate treasuries
Detailed reports of target companies for investment. Included analysis of organization structure, business model, market positioning, product positioning, strategic initiatives, financial analysis, consensus analyst views, valuation, share price movements and projected growth
Periodic updates of a detailed analytical financial model of all major banks in Australia. The database is updated overnight on the day of the results and enables the banking analyst of the client to take a future call on the stock the very next day.
Studied select target companies (outsourcing captives servicing financial clients) for acquisition based on clients strategic imperatives and expected valuation. Evaluated the companies' current operations and analyzed the extent of fit with client's business.
Regularly updated profiles of key competitors (Asian wealth managers) for reference by senior management. Profiles included details of key executives, financial analysis, strategic initiatives, product launches, SWOT and the combined impact on the client's business and competitive positioning.
Analyzed the captive and shared services offshore operations (IT and BPO) of the 100 largest banks and financial institutions in the world. The research captured service capabilities, size, employees, location and infrastructure of back office units in over 20 countries, and involved extensive senior level interviews.
Built a detailed time-series financial model over a 5-year period, of listed infrastructure companies. The model captures key financial and statistical data for analyzing companies and is used to identify investment opportunities for a newly set up infrastructure fund.
Studied the correlation between infrastructure stocks, specific accounting ratios, and stock out-performance. Our regression and correlation analysis helped the fund manager build screeners for future trading strategy
Detailed the level of infrastructure development in energy, transportation, water and sanitation in targeted regions of Africa, US, Europe, UK and the Asia Pacific. Our research outlined the mode of infrastructure investments and highlighted the degree of private sector participation in funding core infrastructure projects.
Daily infrastructure newsletters highlighting key global developments likely to impact current and potential infrastructure projects. Company news, industry trends, regulatory change, investment activity, environmental violations and legal disputes are tracked and summarized on a daily basis.
A leading infrastructure fund manager wanted to showcase their knowledge via quality research. We created a monthly publication with analysis of infrastructure development across North America, Europe, & Asia-Pacific - covering energy & power, water & waste, transport, utilities, social infrastructure, and telecom.
Assessed investment opportunities in the global aged care (senior housing) market. Our report included industry size and structure, projected trends, demand-supply gaps and investment yields in the premium senior housing market in the US, Australia, NZ, UK, Germany, Philippines, Thailand, Malaysia, Singapore, China, Hong Kong and India.
Surveyed the global fund market for product offerings and with Asian infrastructure mandates. Delivered a comprehensive list of such funds along with brief profiles which included information on domicile, asset allocation, promoters / fund management company, year of inception, historical yields, AUM / FUM.
Research report on the poultry sector in India. Analyzed the retail value chain, industry structure, segmentation, consumer behaviour, supply chain, regulations, cost structures, pricing trends & margins, along with business model and SWOT analysis of key players.
Evaluated the brand's image in the minds of Indian investors and potential synergies from partnering with a leading multinational asset management company. The study involved more than a hundred interviews with investors, brokers, distributors and advisors, and helped the client fine tune their branding and positioning strategy.
Estimated current and projected demand for factoring services in India. Analyzed the competitive landscape, trends, drivers, pricing and profitability of industry players. Insights from interviews with industry executives and experts helped the client fine tune their India strategy.
Developed in-house financial models to evaluate & track selected companies' operations, financials, strategies, industry outlook, management, valuations and earnings risks. Developed models for a variety of businesses: banking, hospitality, real estate, power, IT, manufacturing, chemicals, etc.
Assessed the market potential for online trading of US stocks by Indian investors and analyzed relative attractiveness of different partnering models. Interviewed more than 75 brokers, 200 retail investors, consultants and experts in India.
What our clients have to say about us…
[Information memorandum] was used as 1st step for fund raising. Has created a good impression with potential investors – A boutique merchant banker