Luxembourg

ETFs and the future of active management

A decade of tremendous progress for ETFs and passive investing Did you know that over the last 10 years Vanguard picked up 87% of new net assets (inflows) of mutual funds with about two-thirds going to its largest index funds? The shift of investor money from active into passive funds has certainly contributed to a fundamental reshaping of the competitive […]
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Digital citizen experience: what it is and why it matters to Luxembourg

In today’s “age of the customer”, we are witnessing a shift in the balance of power in the brand-customer relationship. The digital revolution has profoundly changed consumer habits, with customers now better informed, increasingly empowered and more demanding than ever. Accustomed to interacting with brands and to using products and services from multi […]
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Citizen Experience: Seven ways Luxembourg’s public organizations can rise to the challenge

Just as customer experience has become a crucial part of every company’s success, citizen experience is climbing the public sector’s priority ladder. The “age of the customer” is upon on us, and everyone needs to get on board! In KPMG’s recently published white paper on public sector digitalization for citizens, we take a closer look at how differen […]
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Why Debt-to-Equity analysis should be on your “Black Swan” radar?

What exactly is it?  A debt-to-equity (D/E) analysis determines if the forecasted debt level and capital structure of a company meet the arm’s length standard. In other words, it aims to establish an approximation of conditions that are consistent with third-party behavior. As a simplified illustration, here are just some of the typical transfer pricin […]
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Thriving in a ‘brand’ new era of customer expectations

Remember when simply offering consistently good customer experiences was enough for companies to impress and retain their clients? With customer expectations growing by the minute, and as our 2019 Luxembourg Customer Experience Excellence report shows, those days are long gone. Luxembourg’s consumers are demanding more from their brand interactions — and bra […]

Fighting cybercriminals with the updated SWIFT CSP

In recent years, sophisticated cybercriminals have managed to compromise several banks’ computer networks, learn their payment processes, and gain access to the relevant IT credentials—ultimately being able to send fraudulent payment instructions over the SWIFT financial messaging network. The worst case so far was in 2016, when thieves successfully stole […]
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