Finance & Insurance

Intersecting Data

Sapere supports organisations across all industries to address challenging questions of financial economics and insurance. 

Our professionals bring academic rigour and diverse experience of best practices to arbitration, complex commercial litigation, regulation, and policy design.

What we do

We provide independent and objective expert reports and testimonies. Our experts deliver fact-based analysis, practical recommendations, and clarity where matters of finance, incentives, and regulation intersect. 

We provide consulting advice and litigation support on financial reporting, financial management, capital markets, cost of capital and valuation.

Our advice melds insights from finance and economics to: 

  • Estimate the weighted average cost of capital (WACC) for commercial, regulatory, and litigation
  • Undertake event studies
  • Advise on capital structure
  • Assess financial metrics
  • Evaluate the role of insurance markets and policy design
  • Provide policy analysis of financial and prudential regulation
  • Design financial derivatives and risk instruments
  • Critique consumer credit regulation and assist entities to meet regulatory requirements.

 

Examples of our work in insurance and finance

Sapere works regularly across our multi-disciplinary teams to triangulate quantitative and qualitative data sources in order to construct the most robust evidence base possible.
Low-angle view of several modern high-rise office buildings under a cloudy sky. The buildings' glass windows reflect the overcast sky, with some lights visible inside. The image captures the towering, sleek architecture of an urban business district, home to leading finance and insurance firms.

Key contacts
Kieran Murray
Dr Glenn Boyle
John Wallace

Some of our recent articles of interest

Read all
A bagpiper in traditional Scottish attire, including a red tartan kilt and sporran, plays the bagpipes during a parade, celebrating Scotland's cultural heritage as other uniformed musicians are blurred in the background.

How cultural heritage can act as an engine for regional growth

In this article Dr Jamie O'Hare explains how cultural heritage drives regional tourism, economic impact, and community-led development in New Zealand.
Read more
A woman with blonde hair in a ponytail wears a headset and light blue scrubs, suggesting she works in a Healthline customer service or medical setting. The background is blurred, focusing on her head and headset.

Estimating the value of Healthline

  • Client: Whakarongorau Aotearoa / New Zealand Telehealth
Sapere’s analysis shows Healthline delivers substantial net value by reducing pressure on higher-cost parts of New Zealand’s health system.
Read more
Close-up of a younger person gently holding the hand of an elderly person, conveying care and support—an image that reflects compassionate governance, with both hands resting on a light-colored surface.

Can New Zealand rethink aged care to meet the needs of the future?

  • Client: Health New Zealand | Te Whatu Ora
New Zealand’s aged care system faces rising demand, funding gaps, and workforce shortages; urgent reform is needed to ensure sustainable, equitable, and affordable future care.
Read more
A close-up of a stethoscope and a pen tucked into the chest pocket of a blue medical uniform, symbolizing healthcare in New Zealand and the medical profession.

Is New Zealand’s capitation formula still fit for purpose?

  • Client: Health New Zealand | Te Whatu Ora
Sapere’s modelling for Te Whatu Ora updates New Zealand’s capitation formula, using richer data to better align primary care funding with real patient and community needs.
Read more
City skyline at dusk with illuminated office buildings reflecting on calm water, solid progress rising above the hills in the background, beneath a dark blue sky with scattered clouds.

Shaky ground or solid progress?

  • Client: Ministry of Business, Innovation, and Employment
In this report Sapere evaluated MBIE’s earthquake-prone building system, finding improved national consistency and progress but ongoing challenges with resources, communication, and timely remediation.
Read more
Large green fern leaves frame a dark, shadowy center, creating a tunnel-like effect in dense jungle foliage—much like the journey to seek support through a mental health helpline, where hope emerges from darkness.

Social Return on Investment (SROI) of a mental health helpline

  • Client: Whakarongorau Aotearoa / New Zealand Telehealth
Sapere was asked to undertake an SROI of a mental healthline, finding the service delivers a 9:1 return, demonstrating substantial societal and health system value across diverse user needs.
Read more
A close-up of a glowing light bulb hanging from the ceiling with several blurred non-lit bulbs in the background. The lighting creates a warm and focused effect against a dark blue backdrop.

Powering the future: Key challenges and insights for New Zealand’s energy market

The article highlights New Zealand’s energy challenges, emphasising the need for secure, reliable electricity amidst decarbonisation, market uncertainty, and regulatory reform to support long-term investment and energy security.
Read more
A 3D-rendered human face made of scattered white letters and symbols, with parts dissolving into floating fragments against a blue background—symbolizing the decarbonisation of ideas into cleaner, lighter thoughts.

The economic impact of the adoption of Artificial Intelligence (AI) in the Australian finance industry

  • Client: Australian Finance Industry Association
This report explores how AI adoption in Australian finance could add $48.9B to GDP by 2035 through productivity gains.
Read more

This website stores cookies on your computer. These cookies are used to provide a more personalized experience and to track your whereabouts around our website in compliance with the European General Data Protection Regulation. If you decide to to opt-out of any future tracking, a cookie will be setup in your browser to remember this choice for one year.

Accept or Deny