27 July 2023


FSI Predictions 2023

Introducing Deloitte’s FSI Predictions, a new series that uncovers emerging trends across banking and capital markets, insurance, investment management, and real estate. From generative AI to office-to-residential property conversions, the topics we’ve chosen have great potential to drive transformation across the industry—and, in turn, the economy and society—over the next few years. What’s on the horizon for financial services?

Product innovations

What’s in your portfolio? Next-generation technologies should impact retail and institutional clients across industries. Financial services firms can innovate product offerings and adjust business models to address new consumer and business demands and find growth opportunities.

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FSI Predictions is founded on exploratory research, discussions with Deloitte practice leaders and subject matter specialists, and proprietary data analysis by the Deloitte Center for Financial Services research team. We hope this new series sparks discussion and provides actionable insights for financial leaders and decision-makers.

More insights

Discover the Center for Financial Services

The Deloitte Center for Financial Services, which supports the organization’s US Financial Services practice, provides insights and research to assist senior decision-makers within banks, capital markets firms, investment managers, insurance carriers, and real estate companies. The center comprises a group of professionals with a wide array of in-depth industry experience as well as cutting-edge research and analytical skills. Through our research, webinars, and other forms of engagement, we seek to be a trusted source for relevant, timely, and reliable insights.

Explore the research center
The future of the commercial banking industry

The future of the commercial banking industry

Finding a new compass to navigate the future

Macroeconomic forces and marketplace demands are fundamentally shifting the commercial banking industry. What should commercial banks do to redefine their future?

Find out today
Life and annuity insurers consider the path less traveled

Life and annuity insurers consider the path less traveled

Core-system modernization is becoming table stakes

Between digital advancements and the increasing availability of data, it’s time to revisit how technology is leveraged to drive growth and delight customers and agents.

Explore paths to modernization
Advancing women leaders in the financial services industry

Advancing women leaders in the financial services industry

A 2023 update to the global assessment

More women have joined the highest levels of FSI leadership across regions. But progress has been slow. What steps can organizations take now to accelerate the path toward equity?

Explore our Within Reach C.A.R.E. framework


Thank you to the following team members for their leadership in developing the research and analysis.


Zachary Aron, Parul Bhargava, Mohak Bhuta, Scott Buchholz, Michelle Canaan, Matthew Carrier, Abhinav Chauhan, Sean Collins, Tim Coy, Kelly Cusick, Doug Dannemiller, Margaret Doyle, Sam Friedman (retired), Jill Gregorie, Sriram Gopalakrishnan, Samia Hazuria, Dishank Jain, Kristin Korzekwa, Dilip Krishna, Satish Lalchand, Jeff Loucks, Ricardo Martinez, Manish Motiani, Timothy Partridge, Kevin Richards, Richard Alan Rosenthal, David Schatsky, Colin Soutar, Duncan Stewart, Val Srinivas, Katerina Tzouganatos, Richa Wadhwani, and Jib Wilkinson