MARKET DISRUPTION   MARKET DISRUPTIONS

Macro customers, competitors and broader business environment disruptions driven by accelerators

Customers Customer Needs and Behaviors Discriminating, unfaithful customers with undiscovered needs, armed with greater information and choices
Discriminating, unfaithful customers with undiscovered needs, armed with greater information and choices
Informed and Empowered Informed and Empowered
Competitors Existing and Emerging Competitors Unexpected and intensifying competition from legacy companies, startups and substitutes
Unexpected and intensifying competition from legacy companies, startups and substitutes
Cross-Industry Convergence Cross-Industry Convergence
Talent Human Talent Increasing reliance on scarce smart, creative talent as well as non-payroll freelancers as traditional routine jobs disappear
Increasing reliance on scarce smart, creative talent as well as non-payroll freelancers as traditional routine jobs disappear
Technology Unemployment Technology Unemployment
Capital Capital Markets Proliferating sources of traditional and emerging private and public capital, sourced on increasingly global basis
Proliferating sources of traditional and emerging private and public capital, sourced on increasingly global basis
Unbundling Banking Unbundling Banking
Partners Suppliers and Partners Broad mix of highly-capable global and local suppliers reduce assets required, increase flexibility and improve efficiencies
Broad mix of highly-capable global and local suppliers reduce assets required, increase flexibility and improve efficiencies
Intelligent, Data-Optimized Supply Chains
Regulatory Legal and Regulatory Policies Lagging laws and regulations as government policies fail to keep up with rapid change
Lagging laws and regulations as government policies fail to keep up with rapid change
Unbundling Banking Innovation, Competitiveness and Trade