- New article with Starling Brings together insights on suptech, culture & ethics
News · 8 February 2026
DTS Director Elia Resch published a new Weekend Reading article in collaboration with Starling: SupTech, Culture & Ethics — When Non-Financial Risk Becomes Observable. The piece synthesizes insights…
- Kevin Stiroh: Misconduct risk, culture and supervision
Speech · 7 December 2017
Remarks by Mr Kevin Stiroh, Executive Vice President of the Financial Institution Supervision Group of the Federal Reserve Bank of New York, at the Culture Roundtable Session with Business Schools…
- Andreas Dombret: Digital natives? The future of banking in an era of digitalisation
Speech · 24 January 2018
In this 2018 address at the "Unlock the Block" Hackathon in Cape Town, Dr. Andreas Dombret explores the cultural friction between "digital natives" and "digital illiterates" within the banking…
- Financial Conduct Authority confirms approach to improving responsibility and accountability in the banking sector
News · 26 March 2015
This 2015 announcement from the Financial Conduct Authority (FCA) marks a pivotal shift in UK financial regulation, moving from the broad Approved Persons Regime (APR) to a more targeted and…
- Listening to the Buzz: Social Media Sentiment and Retail Depositors' Trust
Report · 1 January 2018
We investigate the relationship between the rumours on Twitter regarding banks and deposits growth. The sentiment expressed in tweets is analysed and employed for the nowcasting of retail deposits.…
- Technology Acceptance and Performance: A Field Study of Broker Workstations
31 October 2008
We develop a model to predict 1) the use of a multifunctional, broker workstation with a windowed interface and 2) the relationship between workstation use and performance. Brokers and sales…
- Exploring Relationships Between Technology Use and Time Spent in the Financial Planning Process
14 January 2019
Using a unique data set with detailed information on the backgrounds and practices of 654 financial planners, this study examines the associations between the use of technologies by financial…
- Opening the Box: Information Technology, Work Practices, and Wages
4 April 2003
We examine the association between different kinds of information technology (IT), work practices, and wages for the job of customer service representative in 303 U.S. bank branches. We test for main…
- Managing Disruptive Technology: Internet Banking Ventures for Traditional Banks
Report · 26 April 2010
This study examines the perception of the nature of technological change for Internet Banking by proposing and testing a model of the strategic management of online banking by traditional banks.…
- Political Influence and Declarations of Bank Insolvency in Japan
16 March 2007
This paper investigates how politics affect bank supervision by examining determinants of bank failures in Japan during 1999-2002, period during which bank regulators were called upon to resolve…
- Corporate Culture and Behaviour: A Survey
5 January 2012
Drawing on the literature on organizational psychology, this paper discusses the potential of studying corporate culture and organizational behaviour for financial supervision. First, we discuss how…
- How Culture Affects Use of Information Technology
15 February 2023
Multinational enterprises (MNEs) must be able to communicate and process data efficiently and effectively throughout the firm. The use of information technology is often affected by the various…
- The Political Economy of AI-Driven Financial Supervision
Report · 27 August 2025
I-reliance is expected to improve risk management across the financial services industry, reinforcing the dominance of private ordering in ‘normal times’. From a supervisory perspective, the use of…
- Transforming the financial services sector in Africa with 4IR technologies
Blog · 22 November 2024
This article highlights Africa's leadership in the Fourth Industrial Revolution (4IR), specifically within the financial services sector, where the continent accounts for half of the world's mobile…
- Getting culture and conduct right - the role of the regulator
Speech · 12 July 2016
In a landmark 2016 address, Jonathan Davidson, the FCA’s Director of Supervision, detailed the regulator's strategic focus on firm culture as a primary driver of conduct. Defining culture as the…
- FCA Enforcement and the Wholesale Markets
Speech · 26 November 2014
In November 2014, Tracey McDermott, then-Director of Enforcement at the FCA, delivered a keynote address at the FX Week Europe conference emphasizing the urgent need to restore trust and integrity to…
- Jens Ulrich - Head of Risk Management
Jens Ulrich became Head of Risk Management in 2017. In this role he is in charge of the unit responsible for overseeing the financial and operational risks arising from the Bank's own activities. He…
- 2024 Starling Insights Compendium launch event.
Event · 11 June 2024
Starling Insights is presenting two online events to coincide with the launch of their flagship annual report, the Compendium. The Americas, United Kingdom and Europe, Middle East, and Africa (EMEA)…
- Investment in modern tools key enabler of digital innovation in government
Blog · 24 July 2025
Research shows 87% of UK civil servants view investment in modern tools and training as essential for digital innovation, with data security (52%) and breaking down departmental silos (almost 50%) as…