Andrew Efstathiou

Banking Operations Research Director at NelsonHall, the global analyst firm. I specialize in payments, securities, core banking, and loan processing services.

[Andrew Efstathiou @AndyE_NH]

Looking forward to the Infosys AI conference to find out more about their roadmap and current activities operationalizing AI in enterprises #AI @Infosys #AgenticAI

[Andrew Efstathiou @AndyE_NH]

The UK India Free Trade Agreement will become effective on July 15 growing trade between the two countries

[Economic Times @EconomicTimes]

India-UK FTA takes effect: Govt calls it India's most ambitious trade deal, highlights key benefits | https://t.co/mGg1r1sLYN

[Andrew Efstathiou @AndyE_NH]

Thank you, @Infosys for a briefing on Core Banking. The we covered Infosys’ work on their Finacle & Topaz, focus on sub-verticals, AI-first, and outcome-based large deals . Stay tuned for the vendor profile! NelsonHall #Core_Banking #ITServices #agenticAI #AI #Data #Finacle

[Andrew Efstathiou @AndyE_NH]

New vendors are entering retail payments, yet established firms are continuing to grow revenues and profits. See @BIS_org analysis on how they maintain control over key markets. #PaymentInfrastructure #Payments

[Bank for International Settlements @BIS_org]

New players are entering the retail payment markets, yet incumbent card networks retain control in key markets.
Read more: https://t.co/576BAK9L43
#BISBulletin

[Andrew Efstathiou @AndyE_NH]

Trump is considering the Australian retirement system as a model for the US. The Aussie system is well funded. The primary challenge is that the shift over in the US would be very expensive. A good analysis is at https://t.co/lxXdDhR9el
#retirement #investments #Superannuation

[Andrew Efstathiou @AndyE_NH]

Happy Bastille day on Tuesday to our friends in France.

[Tata Consultancy Services @TCS]

TCS begins FY27 with continued growth driven by client investments in AI and business transformation. At a glance, our #TCSQ1 financial highlights:

- 𝗥𝗲𝘃𝗲𝗻𝘂𝗲: ₹72,275 crore, up 2.2% Q-o-Q
- 𝗖𝗼𝗻𝘀𝘁𝗮𝗻𝘁 𝗖𝘂𝗿𝗿𝗲𝗻𝗰𝘆 𝗥𝗲𝘃𝗲𝗻𝘂𝗲: Grew 0.4% Q-o-Q
- 𝗨𝗦𝗗 𝗥𝗲𝘃𝗲𝗻𝘂𝗲: $7,624 million, flat Q-o-Q
- 𝗢𝗽𝗲𝗿𝗮𝘁𝗶𝗻𝗴 𝗜𝗻𝗰𝗼𝗺𝗲*: ₹17,317 crore; 24.0% operating margin
- 𝐄𝐏𝐒*: ₹38.28 per share
- 𝐀𝐧𝐧𝐮𝐚𝐥𝐢𝐳𝐞𝐝 𝐀𝐈 𝐑𝐞𝐯𝐞𝐧𝐮𝐞: $2.6 billion, up 13.6% Q-o-Q

(*Excluding exceptional items)

For more details on our performance this quarter, refer to the press release:
𝗨𝗦𝗗: https://t.co/awkDk1hfoN
𝗜𝗡𝗥: https://t.co/IFf7fLGfFX

[Andrew Efstathiou @AndyE_NH]

Thank you, @AspireSystems for a briefing on Core Banking Transformation. The session covered Aspire’s work on Temenos, its IP including SoftSpell and Data migration tool. Stay tuned for the vendor profile! NelsonHall #Core_Banking #ITServices #Software_Engineering #AI #Data

[Andrew Efstathiou @AndyE_NH]

The @BIS_org has found that improved lending rules can reduce risk with limited impact on new lending. find out more about the Columbia experience in their paper below. #Lending #Loans #Banking #Financial_Inclusion

[Bank for International Settlements @BIS_org]

In January 2023, Colombia introduced new banking rules to reduce risks in long-term loans. A new working paper finds improved financial stability with limited impact on new loans, though smaller banks tightened credit https://t.co/pdnATIUz8F
#Banking #FinancialStability

[Andrew Efstathiou @AndyE_NH]

Differences in token-based incentives across multiple blockchains is driving fragmentation of infrastructure, liquidity and assets across and within chains. Mitigation efforts are only partially successful. Find out more in this BIS paper. #Blockchain @BIS_org #tokens #Tokenomics

[Bank for International Settlements @BIS_org]

As fragmentation in permissionless blockchains persists, policy should prioritise cyber resilience, regulatory perimeters and interoperable standards to support market functioning.
https://t.co/v2uVKFnsYi
#BISBulletin #Tokenomics #Fragmentation

[Andrew Efstathiou @AndyE_NH]

Happy July Fourth this weekend to all.

[Andrew Efstathiou @AndyE_NH]

Happy Canada Day to all

[Andrew Efstathiou @AndyE_NH]

I published a new report that provides a comprehensive analysis of Cognizant’s Wealth and Asset Management Services offerings, capabilities, and market and financial strengths:

https://t.co/tP9ZaZcauP

#WealthManagement #AssetManagement #AI #AgenticAI @Cognizant

[Andrew Efstathiou @AndyE_NH]

BIS discusses digital innovation and how a key success component is trust in money. In its #BISAnnualEconReport 2026, it describes how to bring tokenization into the two-tier system and address flaws in stablecoins. https://t.co/le9skkPCUR #Tokenisation @BIS_org

[Bank for International Settlements @BIS_org]

Digital innovation can modernise finance, but trust in money must be safeguarded. Chapter III of the #BISAnnualEconReport 2026 sets out how to bring tokenisation into the two‑tier system and address stablecoin flaws. https://t.co/IQKPwEXGwl #Tokenisation

[Andrew Efstathiou @AndyE_NH]

Making sustainability work in real world environments is critical to achieving sustainable outcomes. This is an important look at how to do that effectively and drive results

[Bank for International Settlements @BIS_org]

A new working paper studies how to build sovereign bond portfolios that integrate “carbon returns” with traditional financial returns to balance financial & environmental risks. Results align decarbonisation with performance https://t.co/BOteyD9KUr
#ClimateFinance #SovereignBonds

[Andrew Efstathiou @AndyE_NH]

Our 'Global #ITServices Market Forecast: 2026-2030' has been published and is now available to program subscribers:

https://t.co/rq0GhCV03A

#Cybersecurity #AI #QE #Cloud

[Andrew Efstathiou @AndyE_NH]

.@BilalCH_NH has published a new @NHInsight Vendor Evaluation & Assessment Tool (#NEAT) analyzing the performance of vendors offering #life & #annuities #insurance services: https://t.co/O2uadW7IWp

#Sourcing

[Andrew Efstathiou @AndyE_NH]

.@BilalCH_NH is launching a research project on AI-Enabled P&C Operations Transformation. It will cover claims, underwriting, policy admin, customer service/contact ctr, data modernization, and AI enablement. find out more from Bilal. #insurance #AI #PropertyCasualtyInsurance

[Andrew Efstathiou @AndyE_NH]

.@Capgemini just published its annual World Wealth Report. Always an insightful read. This edition shows wealth clients are more diverse and less satisfied with how their advisors are interacting with them. #Wealth #AI #CX

[Zdzislaw Biernacik @Z_Biernacik]

30th World Wealth Report 2026

[Andrew Efstathiou @AndyE_NH]

.@JohnL_NH has published a new @NHInsight blog post – '@Unisys Pivoting to an AI-First Approach': https://t.co/iftOmbXfxD https://t.co/iftOmbXfxD

#AI #Cloud #Digital #Innovation #Workforce