In the financial services sector, banks will need to build their digital capabilities to fend off rising competition from technology start-ups and established digital companies, which are now offering financial services from mortgages through to payment systems.

In the insurance sector, a number of forces are converging to create a pressing need for insurers to innovate across their entire value chain. In addition to the general economic environment, these forces include technology, competition, regulatory changes, demographics and urbanization.

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