Check out your Company Bowl for anonymous work chats.
Capco is proud to introduce the 61st edition of the 𝐂𝐚𝐩𝐜𝐨 𝐉𝐨𝐮𝐫𝐧𝐚𝐥 𝐨𝐟 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐓𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 focused on 𝘝𝘢𝘭𝘶𝘦 𝘋𝘺𝘯𝘢𝘮𝘪𝘤𝘴. Developed in formal collaboration with @King's College London, one of the world’s most respected academic institutions, this issue explores how value is created, distributed, and sustained in the financial services industry, bringing together academic rigor and real-world expertise. This edition focuses on three key themes: • 𝐓𝐞𝐜𝐡𝐧𝐨𝐥𝐨𝐠𝐢𝐜𝐚𝐥 𝐓𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧: AI, tokenization, and digital currencies: opportunities and risks. • 𝐒𝐞𝐜𝐮𝐥𝐚𝐫 𝐒𝐡𝐢𝐟𝐭𝐬: From private equity to the commercialization of the natural world. • 𝐒𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐚𝐥 & 𝐁𝐞𝐡𝐚𝐯𝐢𝐨𝐫𝐚𝐥 𝐁𝐚𝐫𝐫𝐢𝐞𝐫𝐬: Overcoming inertia, cultural disconnects, and constraints to innovation. The Capco Journal is a cornerstone of our commitment to providing world-class thought leadership to help clients and the wider industry stay on top of the industry trends to help them navigate today’s markets with insight, clarity and confidence. Explore the full Journal here: https://www.capco.com/Capco-Institute/journal-61-value-dynamics #Capco #CapcoJournal #ThoughtLeadership #FinancialServices #Innovation #KingsCollegeLondon

Journal #61: Value Dynamics
We’re excited to share that Capco’s very own @Jonathan Clites will be moderating the CEO Roundtable at #EMC24 alongside industry experts from across the retail energy sector. The conversation will explore: 🔹 𝗣𝗼𝘀𝘁-𝗰𝗼𝗺𝗺𝗼𝗱𝗶𝘁𝘆 𝗲𝗻𝗲𝗿𝗴𝘆 𝗺𝗼𝗱𝗲𝗹𝘀 — moving beyond price competition to value-added services and digital experiences 🔹 𝗠&𝗔 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 — perspectives on consolidation, disruption, and market shifts 🔹 𝗜𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻 𝗮𝗻𝗱 𝗿𝗶𝘀𝗸 — investing in emerging technologies while maintaining operational excellence 🔹 𝗗𝗶𝗴𝗶𝘁𝗮𝗹 𝘁𝗿𝗮𝗻𝘀𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 — scaling AI, customer intelligence, and automation across operations 🔹 𝗣𝘂𝗿𝗽𝗼𝘀𝗲-𝗱𝗿𝗶𝘃𝗲𝗻 𝗴𝗿𝗼𝘄𝘁𝗵 — where climate, DEI, and policy shape long-term positioning Jonathan will help guide this discussion on what’s next for competitive energy. 𝗥𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗻𝗼𝘄 👉 https://www.eventbrite.com/e/emc24-reimagining-competitive-energy-tickets-1262882117409

EMC24 "Reimagining Competitive Energy"
The generational wealth transfer is redefining how banks and credit unions engage the next wave of customers, says @Capco’s @Spencer Feuer. With Gen Z now representing more than a quarter of the US population, institutions are introducing financial education and messaging that connect with younger audiences. He adds that parents have long sought tools to teach children about money early, underscoring the need to build habits that keep young depositors engaged as their financial lives expand. Read Spencer’s full perspective here: https://finxtech.com/gen-z-wants-to-get-effing-rich/

The generational wealth transfer is redefining how banks and credit unions engage the next wave of customers, says @Capco’s @Spencer Feuer. With Gen Z now representing more than a quarter of the US population, institutions are introducing financial education and messaging that connect with younger audiences. He adds that parents have long sought tools to teach children about money early, underscoring the need to build habits that keep young depositors engaged as their financial lives expand. Read Spencer’s full perspective here: https://finxtech.com/gen-z-wants-to-get-effing-rich/
𝗕𝗲𝗵𝗮𝘃𝗶𝗼𝗿𝗮𝗹 𝗦𝗰𝗶𝗲𝗻𝗰𝗲 & 𝗔𝗜: 𝗧𝗵𝗲 𝘀𝘆𝗻𝗲𝗿𝗴𝘆 𝗽𝗼𝘄𝗲𝗿𝗶𝗻𝗴 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘀𝗲𝗿𝘃𝗶𝗰𝗲𝘀 𝗶𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻 𝗮𝗻𝗱 𝗴𝗿𝗼𝘄𝘁𝗵 On 9th October join us for a webinar to explore: • How behavioral science makes AI more human-centric and ethical • How AI scales behavioral insights for real impact • What this means for customer and employee engagement today Hear perspectives from JP Morgan Chase, London School of Economics, and Capco. 📅 9 October 2025 | 13:00 BST / 08:00 EST / 17:30 IST | Zoom Secure your place today ➡️ https://www.capco.com/Intelligence/Events/behavioral-science-ai-the-synergy-powering-financial-services-innovation-and-growth

Behavioral Science & AI: The synergy powering financial services innovation and growth
Capco is proud to have been named 𝗕𝗲𝘀𝘁 𝗡𝗼𝗿𝘁𝗵 𝗔𝗺𝗲𝗿𝗶𝗰𝗮𝗻 𝗖𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝗻𝗰𝘆 in @Data Management Insight, from A-Team Group at the Data Management Insight Awards USA 2025. This recognition reflects the trust our clients place in us and the results we achieve together. We are grateful for the opportunity to partner with you to solve complex challenges and unlock new opportunities, and we look forward to continuing this important work. 🔗 https://www.capco.com/About-Us/Newsroom-and-media/capco-named-best-north-american-consultancy-in-data-management-2025

Capco named Best North American Consultancy in Data Management 2025
Financial crime is evolving and so are the rules to fight it. Regulators across the US, UK, and EU share common goals, yet their approaches are diverging and creating new challenges for banks. In this article, 𝗦𝗵𝗮𝗿𝗲𝗱 𝗴𝗼𝗮𝗹𝘀, 𝗱𝗶𝘃𝗲𝗿𝗴𝗶𝗻𝗴 𝗽𝗮𝘁𝗵𝘀: 𝗛𝗼𝘄 𝗿𝗲𝗴𝘂𝗹𝗮𝘁𝗼𝗿𝘀 𝗮𝗿𝗲 𝘀𝗵𝗮𝗽𝗶𝗻𝗴 𝘁𝗵𝗲 𝗞𝗬𝗖/𝗔𝗠𝗟 𝗹𝗮𝗻𝗱𝘀𝗰𝗮𝗽𝗲, @Phoebe Mannion unpacks what these shifts mean for financial institutions and explores how banks can move from compliance toward resilience. 👉 Read the full piece here: https://www.capco.com/intelligence/capco-intelligence/how-regulators-are-reshaping-kyc-aml

Shared goals, diverging paths: How regulators are shaping the KYC/AML landscape
We’re back for round ✌️ of the 𝗖𝗮𝗽𝗰𝗼 𝗖𝗵𝗶𝗰𝗮𝗴𝗼 𝗡𝗲𝘁𝘄𝗼𝗿𝗸𝗶𝗻𝗴 𝗛𝗮𝗽𝗽𝘆 𝗛𝗼𝘂𝗿! Our goal is simple: ◼️ Strengthen connections across our Capco community ◼️ Grow our professional networks within financial services ◼️ Create space for collaboration and conversation 👉 New faces and familiar ones are equally welcome. We can’t wait to see you!

We’re back for round ✌️ of the 𝗖𝗮𝗽𝗰𝗼 𝗖𝗵𝗶𝗰𝗮𝗴𝗼 𝗡𝗲𝘁𝘄𝗼𝗿𝗸𝗶𝗻𝗴 𝗛𝗮𝗽𝗽𝘆 𝗛𝗼𝘂𝗿! Our goal is simple: ◼️ Strengthen connections across our Capco community ◼️ Grow our professional networks within financial services ◼️ Create space for collaboration and conversation 👉 New faces and familiar ones are equally welcome. We can’t wait to see you!
I am honored to be attending the 𝟮𝟬𝟮𝟱 𝗦𝗮𝗹𝘂𝘁𝗲 𝘁𝗼 𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗚𝗮𝗹𝗮, hosted by the @Folded Flag Foundation, in Washington, D.C. this week. @Capco is proud to sponsor this incredible event, which pays tribute to our nation’s fallen service members and their families by supporting the foundation's mission of providing educational scholarships to the spouses and children they leave behind. It's a powerful reminder of the sacrifices made and the importance of supporting those who carry on their legacy.

I am honored to be attending the 𝟮𝟬𝟮𝟱 𝗦𝗮𝗹𝘂𝘁𝗲 𝘁𝗼 𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗚𝗮𝗹𝗮, hosted by the @Folded Flag Foundation, in Washington, D.C. this week. @Capco is proud to sponsor this incredible event, which pays tribute to our nation’s fallen service members and their families by supporting the foundation's mission of providing educational scholarships to the spouses and children they leave behind. It's a powerful reminder of the sacrifices made and the importance of supporting those who carry on their legacy.
The SEC has released its 𝗦𝗽𝗿𝗶𝗻𝗴 𝟮𝟬𝟮𝟱 𝗨𝗻𝗶𝗳𝗶𝗲𝗱 𝗔𝗴𝗲𝗻𝗱𝗮 𝗼𝗳 𝗥𝗲𝗴𝘂𝗹𝗮𝘁𝗼𝗿𝘆 𝗮𝗻𝗱 𝗗𝗲𝗿𝗲𝗴𝘂𝗹𝗮𝘁𝗼𝗿𝘆 𝗔𝗰𝘁𝗶𝗼𝗻𝘀, followed by a joint SEC–CFTC statement on harmonization. In our latest blog, @Peter Dugas explores how these agendas could reshape capital markets, with a focus on: • Clearer frameworks for crypto assets • Updates to custody and trading requirements • Efforts to cut compliance costs and streamline disclosures • Closer alignment between SEC and CFTC oversight For financial institutions and digital asset firms, understanding these priorities will be essential to preparing for regulatory change and positioning for both opportunities and challenges ahead. Read the full blog to see what’s coming and why it matters 👉 https://www.capco.com/intelligence/capco-intelligence/reshaping-capital-markets-sec-agendas-and-cftc-harmonization

Reshaping capital markets: SEC lays out next rulemaking agendas and CFTC harmonization
In the 𝗳𝗶𝗻𝗮𝗹 𝗮𝗿𝘁𝗶𝗰𝗹𝗲 𝗼𝗳 𝗼𝘂𝗿 𝗙𝘂𝘁𝘂𝗿𝗲 𝗼𝗳 𝗢𝗽𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝘀 𝘀𝗲𝗿𝗶𝗲𝘀, we examine how to transform Operations into a differentiator. From T+1 readiness to AI-enabled oversight, discover the steps to reshape client journeys and prepare for what’s next. Read our insights here: https://www.capco.com/intelligence/capco-intelligence/financial-markets-operations-orchestrate-oversee-optimize Authors: @Rollo Burgess @Thomas J Hill @Meera Karsan

Financial markets operations: orchestrate, oversee & optimize