30 voices on 2030

The industry shifts from being suppliers of products to market makers to address climate risk and social impact, and redefine consumption behaviour.

The sharing economy comes to financial services with a proliferation of new market infrastructure, utilities, partnerships and entities.

Financial inclusion is realised as social impact, embedded finance and digital currencies converge.

Ecosystems trump individual organisations for competitive strength.

Open data allows all industries to equally partake in financial services provision at point of need, removing legacy financial services industry competitive moats.

Through regulation, customers regain ownership over the use of their data, with new commercial models for access and consent.

Business models are data-driven as AI enables granular decision making and personalised services at scale.

Legacy institutions employ multiple business models concurrently to maintain margins.

Decentralised models have entered service in the fields of digital identity, payments and trading.

Transforming data becomes 'the product' and drives intellectual property management into the mainstream.

Partnerships and open data promote economies of scale over in-house services.

Corporate functions and financial market infrastructure transform their cost bases in response to industry-wide digitisation.

Systems and design thinkers are the minimum benchmark for capability for all talent.

Talent strategies embrace access to skills across ecosystems - partnerships are formed to access and share skills.

Retention and the war for talent has intensified - diversified work experiences create a virtuous cycle for talent and organisations.