Our Thinking

BNY Mellon is invested in the power of big ideas. With some of the sharpest minds and most innovative thinkers in financial services, our unique perspectives can have a profound impact on investors’ attitudes and actions. Our forward-thinking insights are shaping the future of finance.

Culture and Society

SOCIAL FINANCE

Social Finance at Scale: Creating Value for Investors

We seek to answer: why hasn’t social finance caught on in the past and what is needed to extend and broaden the recent growth?

CORPORATE SOCIAL RESPONSIBILITY

Invested in a Risk Culture

James Wiener, Monique Herena, Lucille Mayer

At BNY Mellon, risk management is part of everything we do. Our Risk Culture is built on the core concepts of personal responsibility for risk awareness and risk management across our organization.

Introducing the BNY Mellon Big Ideas App

BNY Mellon's iPad® app features the latest thinking on the forces shaping the global financial markets.

SOCIAL FINANCE

Partnership for a Carbon Efficiency Strategy

Gabriela Parcella

This case study examines the challenges and lessons learned during the 10 month development of the Carbon Efficiency Strategy, a joint venture between MCM and the McKnight Foundation, offering carbon-conscious investors a way to invest in companies whose practices could reduce carbon emissions.

Investment Insights

WOMEN AND FINANCE

Targeting Desired Retirement Outcomes for Women

This paper looks at the challenges that Americans – and women in particular – face in saving for retirement. It also presents principles for successfully achieving targeted retirement outcomes, designing budgets, prioritizing goals and investing with purpose for a more secure retirement.

ASSET ALLOCATION AND INVESTMENT STRATEGY

Building for the Future

Alan Flanagan, Ned Siegel, Brian McMahon

In the past ten years, the real estate, private equity and infrastructure industries have enjoyed exponential growth. While this is welcome, we at BNY Mellon believe the investment landscape is on the brink of a significant, long-term shift.

GLOBAL MARKET OPPORTUNITIES

Nuclear Power: Is the Future Bright?

David Sunderwirth

Nuclear energy, with nearly zero-greenhouse gas emissions and its reliability, is advocated by many as a critical tool in the arsenal to combat climate change.

MARKET COMMENTARY

Currency Market Update, June 2016

Simon Derrick

It is a given that monetary policy has played a vital role in driving the currency markets in the post-Nixon shock era, and that its influence has become ever more pervasive over the past two decades or so, as settings globally have become ever more extreme.

Regulation and Risk

REGULATORY CHANGE

Collateral Management: Navigating the Regulatory Maze

Mark Higgins, Brian Leddy, Paul Traynor, James Day, David Allen

Second in the Collateral Management and Regulation series co-written by The Field Effect and BNY Mellon, shining the spotlight on specific industry regulations and directives by distilling their aims and objectives.

REGULATORY CHANGE

Navigating the DOL Fiduciary Standard Rule

Tonia Bottoms, Robert Cirrotti, Charles S. Hawkins

Department of Labor finalizes rule designed to address conflicts of interest in retirement advice.

REGULATORY CHANGE

SEC Proposes Mutual Fund Rules Related to Liquidity Risk

Charles S. Hawkins

Charles Hawkins reviews a proposed rule which would require mutual funds to establish and operate a board-approved liquidity risk program if the rule is adopted as proposed.

REGULATORY CHANGE

The Future of Wholesale Funding Markets

Brian Ruane

This is a time of important change in the wholesale funding markets and calibrating your approach to the fundamental shifts in the market will be essential. This article provides you with some market insight and understanding as you develop and execute your strategies moving forward.

BNY Mellon Transformation

Next Generation for Esoteric ABS

Sonal Patel, Andrew Taylor

Interest in esoteric asset-backed securities is gathering momentum as investors seek to diversify portfolios and earn high yields. At the same time, advancements in technology are presenting new opportunities to create, analyze, market, sell, securitize and process these complex assets efficiently.

PROCESS IMPROVEMENT

Rightsourcing

Philip J. Falivene

Changing dynamics in investment management and related operations have driven some asset owners to add new asset classes to their internal mix, while others choose to outsource the associated investment operations.

DISRUPTORS

The Future of Money

Lucille Mayer

From alternative currency to big data, the future of money is changing. Learn more about the next generation of the financial industry through our sponsored series with WIRED, The Future of Money.

TECHNOLOGY AND INNOVATION

Innovation in Payments: The Future is Fintech

Dominic Broom

The global payments industry is in the midst of rapid change as financial technology's (“fintech”) potential to alter how, when and where payments are made gains momentum. This paper examines fintech's growing capabilities and explains why bank-fintech partnerships hold the key.