Interpreting market signals

Given today’s fundamentally different context, changes in the operating environment should no longer be perceived as abnormalities that financial institutions can circumvent on their way “back to normal”. Rather, they should be recognised as an ongoing condition – one that requires proactive and perpetual adaption to the growing and shifting opportunities and challenges that it presents.

To rise to this challenge, financial institutions will need to develop not only the capability to respond advantageously to change, but also the capacity to continuously adapt to fluid conditions. These two dimensions – a high ability to win and a high capacity for change – are the cornerstones of what we term an “exponential enterprise”, or in other words, an enterprise capable of exploiting advantages in a dynamic marketplace.
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Fortifying the ability to win

We have identified 10 demand signals that represent opportunities for financial institutions to fortify their ability to win, by harnessing the seismic shifts in consumer behaviour and preferences to develop distinctive advantages and compete for market leadership in the long term.
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Demand signal 1

Rise of the boredom economy

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Demand signal 2

Rise of relationships, and decline of trust

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Demand signal 3

The Great Resignation

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Demand signal 4

Responsible ESG investing

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Demand signal 5

Hybrid everywhere

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Demand signal 6

Greater uncertainties in life

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Demand signal 7

Wellness: The panacea for stress?

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Demand signal 8

Reverse urbanisation

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Demand signal 9

The Great Inequality

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Demand signal 10

New era of inflation and interest rates

Activating the capacity for change

We have identified 10 supply signals that represent opportunities for financial institutions to rethink their capacity for change, in terms of the operating models that they should deploy in order to adapt to rapid shifts in their market and operating environment.
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Supply signal 1

Back-office self-service

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Supply signal 2

Middle-office goes remote

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Supply signal 3

From global to local

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Supply signal 4

Operationalisation of ESG

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Supply signal 5

Data-sharing made easy

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Supply signal 6

Cloud goes vertical

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Supply signal 7

Tech stack goes physical

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Supply signal 8

Cyber AI

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Supply signal 9

Blockchain: Ready for business

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Supply signal 10

New era of inflation and interest rates