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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.

Key contacts

Kieran Murray

Dr Glenn Boyle

John Wallace

Some of our recent articles of interest

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How can governments effectively assess and manage climate risk to ensure a sustainable future?

  • Client: Department of Treasury (Western Australia)
Sapere provided expert advice on the design of a Climate Risk Framework for the WA government, exploring options for a staged approach, and aligning with international standards for climate risk disclosure, to support Western Australia's climate resilience efforts.
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Financial management

What if every public sector officer could master financial management?

  • Client: Department of Treasury (Western Australia)
The Financial Management Act 2006 forms the backbone of financial management for the WA Government, yet many public sector officers lacked familiarity with its provisions. In response, the WA Treasury asked Sapere to develop a comprehensive training program to improve practice and behaviour.
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Utility pricing – to block or not to block

Rather than provide a volume discount, some utilities charge a higher rate for greater use. This approach, known as an inclining or rising block tariff, is often advocated as being a fair way to encourage conservation. But is this really the case? This article investigates.
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How low-density housing is making us poorer

Enabling a higher density of businesses and houses can bring many benefits to cities. It makes us as individuals, and as a society, richer – and not only in monetary terms. More choices of where to live, and less land per home, means lower house prices.
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Growing social housing—Building Financial Capacity of Housing Agencies program evaluation

  • Client: Department of Treasury and Finance (Victoria)
The Victorian Treasury offered A$1.1 billion in low-cost, long-term low-interest loans and state guarantees to community housing agencies. Our evaluation of this program managed the complexity of complementary social housing funding and financing programs in our analysis.
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Expanding Victoria’s Real Time Prescription Monitoring (RTPM) System

  • Client: Victorian Department of Health
SafeScript is the Victorian Government’s RTPM system. It enables prescribing registered medical practitioners, nurse practitioners and dispensing pharmacists to access accurate and up-to-date information regarding a patient’s medication history with respect to specific high-risk medicines in real time.
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The economic benefits of a circular economy in Auckland

  • Client: Sustainable Business Network
This report provides a view on the potential economic benefits of a more circular economy for Auckland. It has been commissioned by the Sustainable Business Network to inform its report on the circular economy opportunity for Auckland.
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The emissions footprint of broadband in New Zealand

  • Client: Chorus
This paper provides a first assessment of the emissions footprint of the current New Zealand fibre network, with a focus on internet provision to households and small to medium-sized businesses.
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