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Rhomaios Ram, Principal Consulting Analyst
Rhomaios Ram, Principal Consulting Analyst

Rhomaios Ram has more than 22 years of wholesale banking experience at Deutsche Bank.  His roles have included European Head of FX, Head of FX Electronic Trading, Head of Global Markets Electronic Distribution, where he traded and sold both cash and derivative products and was responsible for driving the automation of trading in FX.  Subsequently, he joined the Transaction Bank, where he was Global Head of Product Management and UK Head of Transaction Banking.  Transaction Banking is the business responsible for payments, trade finance, securities custody and clearing and bank agency products.  His last role at Deutsche was as a founding Partner of the Digital Bank, where he was developing new banking business models suitable for the digital economy.

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The majority of his experience has been developing businesses where the product is at the intersection of finance and technology.  Rhom has a BSc. from Imperial College London and a MBA from Columbia Business School.

At TechVision Research, Rhom is focusing on the following areas of specialty:

  • Banking and Finance
  • Digital Trust and Transaction Processing
  • Blockchain and Distributed Ledger Technology

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  • Blockchain and distributed ledger technology
  • Digital finance
  • Global banking and finance

Recently Published Research

Blockchain Level Set For Banking Executives

Over the last few years, there has been a lot of blockchain hype, but much of the thinking is from the perspective of a technology looking for a use case. This report is from the perspective of a global banking executive evaluating and leveraging technology to address specific business goals. The focus is on the applicability of blockchain to improve the efficiency and effectiveness of banking services while maintaining regulatory compliance. The pragmatic experience of running both European transaction banking and Product Management at Deutsche Bank, and subsequently developing their digital banking strategy including an assessment of blockchain and other disruptive technologies is drawn upon in developing this research.

The primary goal for most bankers these days is regulatory compliance closely followed by cost reduction. Blockchain has the potential to impact both goals. Blockchain or some variation of distributed ledgers have the potential to reduce cost and improve efficiency in the operational and risk aspects of banking and at the same time improve the transparency and auditability required to demonstrate compliance. In this report, we will describe the current banking processes as well as expected changes over the next several years.

Banks are being disintermediated and are facing increasing regulatory pressure leading to the need to consider substantive changes. This report focuses on how blockchain or distributed ledgers may help solve real banking problems and be integrated in the existing banking world. We also describe a time line and a supporting set of services that will be necessary for distributed ledgers to be a significant element within traditional banking.

Upcoming Research

Banking, Identity and the Regulators

Over the last few years policy makers, service providers and software vendors have come to realise, data is a business asset that would not be out of place on a company balance sheet. It is also apparent to individuals that the data held about them by governments and businesses has both value and is increasingly at risk from being mishandled, deliberately or otherwise. Ironically, as the volume of online social and commercial transactions increases exponentially day by day, the level of trust in sharing personal data online is falling equally fast due to concerns about privacy intrusions and potential consequences of identity theft.

With the emergence of data protection and related regulations that will go a long way to safeguarding the privacy and rights of individuals on the Internet, opportunities will arise for trustworthy organizations to act as identity service providers or identity brokers. And, despite the bad press bankers have received over the last ten years, most people still instinctively – and demonstrably – , albeit often through gritted teeth, trust banks to hold their most valuable financial assets. So why not their personal data as well, particularly as the banks already have, and are required to have, the most up to date sensitive information about their customers?

The answer is that some forward-looking banks have already recognized the possibilities in leveraging the cocktail of regulation, customer trust and competitive advantage, and have taken steps towards to advance early experiments. However, for the majority of banks, the idea are still dormant and have not convinced senior management to explore further.

This document looks at the confluence of the new slew of regulations as they impact the banking community from a holistic perspective and demonstrates how this can be transformed into a new set of business opportunities as well as what should be the next steps for TechVision Research clients.

This report covers:

  • The emerging regulatory landscape as it impacts the banks
  • The opportunities for banks to become identity service providers
  • Six steps a bank should take to best leverage this potential



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