In the years since the global financial crisis, we have devoted a great deal of effort to try and understand the fundamental changes that impacted the financial services industry and to gauge how they might develop in the future. Probably the two most powerful influences have been the regulatory environment and innovation. The pace of change and innovation in the industry is irrefutable and appears to be accelerating. Meanwhile the impacts of regulatory change and technological innovation are becoming linked in unforeseen and significant ways.
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