Insights

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Technology

Open Banking's Promise and Perils

Open Banking, a vision set into motion in 2015 by the PSD2 (Revised Payment Service Directive), aimed at reshaping the
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Technology

AI Governance Professional training – some Insights

AI Governance Professional (AIGP) course offered by the IAPP and brilliantly delivered by Caroline Carver from Mosaic...
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Risk

Taming complex data and related analysis

The standards developed by the External Reporting Board (XRB) for the Climate-Related Disclosures (CRD) mandate the
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Conduct

Conduct Impacts on Funding and Delivery Decisions

Financial institutions across New Zealand are going through licensing for the Conduct of Financial Institutions (CoFI).
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Technology

Let’s start with the stick figure!

Business design. Or business architecture. This is to be celebrated as a means resolving that actual business problem
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Compliance

Mosaic’s insights from the Climate Adaptation Planning Summit

We had the opportunity to attend the Climate Adaptation Planning Summit in Wellington, organised by Brightstar.
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Compliance

Enhancing Customer Trust through Effective Remediation

When it comes to business, trust is everything. Trust builds strong customer relationships, fosters brand loyalty and
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Risk

FMA consults on proposed liquidity risk management

Three months ago, I posted some comments regarding an FCA publication on liquidity risk management for fund managers.
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Compliance

A view on the market study into Personal Banking Services in NZ

On August 10th, the Commerce Commission released the “Preliminary Issues Paper” on the Market study into Personal Bankin
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Conduct

The death of CoFI? But do principles ever die?

At the Financial Services Council conference last week, the National Party made a policy announcement stating that if
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Conduct

Mosaic Training Resources Playing Cards – Customers in Vulnerable Circumstances

Customers in Vulnerable Circumstances Playing Cards – a training resource for your business. Get your free set.
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Compliance

Simplified view of the Deposit Takers Act

Deposit Takers Act 2023 diagram – The challenge of meeting the technical requirements to effectively implement a Deposit
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Compliance

RBNZ releases first stage of public consultation on Deposit Takers Act 2023

The Reserve Bank of NZ (RBNZ) has released the first stage of public consultation on the Deposit Takers Act 2023
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Compliance

ISO20022 – More than a Compliance Project?

Unless they have been living under a rock for the last five years, every person remotely involved in global payments
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Compliance

The New Deposit Takers Act has been passed...we can sleep easy soon!

We can sleep easy soon… the New Deposit Takers Act has been passed, and the Deposit-takers Compensation Scheme
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Privacy

European Commission adopts adequacy decision for the EU-US Data Privacy Framework

Last night, the European Commission adopted its adequacy decision for the EU-U.S. Data Privacy Framework.
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Technology

Revolut has landed in New Zealand

Barbarians at the gate? I have just done a search on “Revolut New Zealand” across Linkedin and this has only 1 mention.
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Conduct

Meeting Climate Legislative Requirements – Needs to bring a genuine culture and conduct shift

As per the FMA’s latest work programme, two new legislative regimes are coming into effect between 2023 and 2025
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Risk

APRA in the process of introducing a new prudential standard

APRA is in the process of introducing a new prudential standard (CPS 230) designed to strengthen the management of
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Risk

Risk creep - How risky behaviour spreads

I’ve done a couple of posts recently that highlight the importance of understanding behaviour and how critical it is to
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Resources

Are You Truly Anonymous? – Interactive Logic Puzzle

Mosaic has developed a privacy-related puzzle, which aims to demonstrate that although what might appear as non-related
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