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Beyond_Fintech_-_A_Pragmatic_Assessment_of_Disruptive_Potential_in_Financial_Services
auto-generated 2-Feb-2021
Beyond Fintech: A Pragmatic Assessment Of Disruptive Potential In Financial Services Part of the Future of Financial Services series | Prepared in collaboration with Deloitte August 2017 Foreword Consistent with the World Economic Forum s mission of applying a multistakeholder approach to address issues of global impact, creating this report involved extensive outreach and dialogue with numerous organizations and individuals. They included the Forum's Financial Services, Innovation and Technolog

Keywords

banks to use open markets with a traditional payments in all transactions technology and new partnerships payments at no cost insurance and the roles growth of the fintech fees to the end market in the united

Sources: WEF

Pathway Demo and Download Data

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This section lists the Pathway type, Priority/ function areas, Sectors/ fields of life and People/ roles for the pathway.
Type:   Forecasts
Priority/ Function Areas:   Law & Government  People & Society
Sectors/ Fields of Life:   Economy-wide
People/ Roles:   Multi-Nationals  Private Corporations  Governments
This section lists the Categories, Goals, Measures and Actions included in the pathway.
Categories:   country   insurer   infrastructure   affect   state   solution   deloitte   system   global   uncertainty   http   mobile   strategy   incumbent   retrieve   customer   digital   insurance   product   banks   adoption   online   assistant   payment   institution   future   services   journal   market   financial   findings
Profiles:   this innovations   a modularity   usa impetus   the change   the fight   no currency   a consolidation   the pilot   the banks   the innovations   its risks   the action   the emergence   the future   an leaders   the lack   its jobs   a adoption   a insurtech   call banks   the spending   its success   that banks   a connectivity   the market   a strategy   the pressures   it group   that standards   the risk   the incumbents   the support   a company   the states   group leader   the caveat   the field   the growth   a organizations   this shift   the evolution   all banks   the range   the trend   the platforms   a variety   europe bank   the sector   a success   all institutions   the forces   the choices   a institutions   cyber insurance   the network   the conditions   the incompatibility   an customers   a target   the end   the collision   whose vision   the ability   the models   the tempo   the outreach   introduction banking   no channel   the gap   both behaviour   it level   the timeline   a differentiator   the bank   no change   the process   the world   a device   the model   its uncertainties   the amount   the dominance   a majority   the factor   all apps   the ground   the adoption   the discussion   the launch   a driver   a workforce   the ecosystem   that customers   the industry   u use   this report   a shift   an retailers   the unions   its power   it customers   a reinsurer   a solution   the pace   this banks   the customer   the decline   a challenge   the profile   b banks   the team   the page   a overview   the uncertainty   its customers   the ubiquity   an institutions   a app   the pool   this market   the implications   the population   that guidelines   the number   the transparency   a impact   the rise   this section   the platform   that timeline   sloan review   this layers   the store   the system   both incumbents   this publication   the chain   the line   a number   the profitability   an issuers   this initiative   z implications   the payments   the leaders   the technologies   the rate   the app   what role   a fintech   the owners   the effects   the introduction   the resolution   the scale   i money   the party   the demonetization   the act   the development   eu regulators   the location   the regionalization   which category   morgan director   a tracker   the economy   visa confirmation   all rules   the agreement   the majority   all cards   e devices   it cars   the uncertainties   a payments   the findings   the customers   this idea   the regulation   this questions   the shift   all findings   the questions   all firms   it competitor   the programme   e uncertainties   it user   the decision   an insurers   the externalization   a partnership   the arrival   no effort   the degree   the impact   the opportunity   the currency   that institutions   it autopilot   this startup   the power   haven life   each piece   the benefits   this definition   whose resolution   a uncertainties
Goals:   face life pressure   make free deployment   serve continued studies   intensify customer relationships   lack consistent standard   reshape financial services   control experience questions   adopt partnership model   address supporting risks   develop meet products   offer interest rates   make videoconference call   decide key uncertainties   embrace new era   compete fx platform   create covered product   create new line   shift competitive landscape   satisfy business models   reduce costs duplication   bypass value chains   reshape setting expectations   face reduce pressure   acquire talent implications   gain customer support   undertake move efforts   roll auto insurance   stand parts businesses   consider evolving relationships   cultivate encourages community   reach incumbents implications   erode quantitative evidence   develop secure apis   retain profitable segments   change banking ecosystem   target same customers   meet providing needs   embrace purchase ability   give exclusive networks   favour exist incumbents   deploy leading insurers   face retail competitor   abuse market power   hold findings uncertainties   mean monitor models   develop identity solutions   offer incumbent insurers   download wide range   try new method   include technology firms   provide support technology   change insurer insurance   approach providers fintechs   create negative loop   illustrate massive pressures   change work patterns   handle vast majority   unlock revenues data   host distribution platforms   create engagement models   establish financial services   need connect ability   develop allow apis   encourage technological solutions   conduct broad exploration   discuss opportunities insights   differentiate financial regionalization   capture major share   juggle different apps   deliver connected uncertainties   run insurance company   limit charged fees   receive use data   scale cutting uncertainties   piece spending patterns   object insurance products   miss deploy opportunity   enter distribution side   paint mixed picture   suffer most implications   include forums professionals   differ technological capabilities   define direction shape   offer advisory services   offer services products   understand transformative power   create revenue streams   give needed mass   use additional data   meet affinity needs   live healthy customers   match life products   offer insurance products   take amounts years   enforce banking standards   align critical conditions   provide specific functionality   protect achieved technology   provide lower fees   view management partnerships   conclusion section payments   implement strategies tools   pay retrieved intelligence   meet occurred needs   capture market share   play larger role   receive free nest   offer payment transfers   continue life insurer   form form partnerships   represent single point   succeed critical mass   acknowledge following executives   bypass chain intermediaries   set concerns concerns   lead products change   paint force world   face technological barriers   connect business lines   launch offering competitor   improve stress testing   fragment payment experience   use exists solutions   harness intelligence ai   transfer competitive advantages   presume increased level   bridge profit gap   define level blueprint   face meant pressure   share information regulators   offer life products   suit age demographic   explore reshaping forces   join critical conditions   develop financial tools7   hold answers questions   offer financial services   optimize client base   develop own products   curtail control institutions   reduce base institutions   commoditize provide drivers   create strategy imperative   find best ways   improve facing customer   take affect action   face switching costs   lose value proposition   use indicated data   purse allow partnerships   provide external solutions   impact structured ways   conclusion based usage   paint create world   limit management monitor   create serve opportunities   develop programming interfaces   struggle key uncertainties   expect fee payments   create distinct ecosystems   redefine product strategy   jettison customer segments   find life insurance   limit customer acceptance   mandate put policies   play invaluable role   achieve consistency ubiquity   offer engage ability   change purchase occasions   understand transformative potential   require open sharing   create banks fintechs   embrace aggregation platforms   paint forces world   seize defining initiative   capture regulatory direction   share access data   expand customer base   streamline costs processes   build designed infrastructure   build scale context   follow financial crisis   examine key trends   acquire need information   regulation coming roll   sell life products   establish clear taxonomy   extend embrace partnerships   fill resulting banks   paint improve world   thank steering committee   modernize payments systems   create benefit opportunities   appeal critical conditions   develop payment solutions   take growth evidence   find differentiate ways   manage insurers partner   conclusion insurance finding   get wire transfer   launch conclusion insurance   shape own efforts   introduce engaging policies   capture noticeable share   support customer ownership   bridge level gap   face differentiate battle   introduce forcing coverage   specify relevant sector   discuss holistic perspective   control own information   shape future capabilities   adopt based approach   increase institutions competition   discourage software providers   improve value proposition   reach need end   shift pc insurers   limit adoption solutions   target uncertainties ladder   paint outsource world   render legal tax   create insurance journal   provide term solution   disrupt competitive landscape   create critical conditions   migrate core systems   re clients sources   prefer based channel   solve running partnership   risk product cannibalization   maximize potential base   enable sold products   give latter access   verticalize chain implications   paint develop world   take reflect opportunity   develop payment tools   drive push profits   paint face world   collect control ownership   set alternative ecosystem   suggest subsequent need   open developed world   forbid making merchants   create efficiency compatibility   simplify making connections   support currency development   offer advice tracking   suit needs insurance   adopt wide variety   represent serious threat   use payment solution   use pay model   need cultivate strategies   cultivate competitive advantages   provide many stakeholders   serve seeking needs   shift payments landscape   decrease user usage   enter markets sources   connect insurance insurers   give training definition   bypass medical check   find traditional models   meet tend needs   fit critical conditions   represent biggest sale   conclusion world forum   curate offerings sources   shape future development   represent likely point   paint becomes world   overcome introduction findings   offer customer value   use location information   manage offer tools   accept revolvers customers   reach interest rates   reinvent product strategies   expand current systems   differentiate more fintech   own entire experience   allow platform acts   paint diverging pictures   required13 integrated telematics   manage capital labour   face becoming pressure   conclusion potential states   embrace sharing economy   use fail solutions   propose funds etfs   change future circa   demand same experience   embrace curated platforms   form small ecosystem   support global market   dominate overall increase   shift continued development   find customer acceptance   deliver wide range   achieve contradictory objectives   provide unified experience   understand problems consequences   accept oligopolistic distribution   increase key uncertainties   extract most revenues   push cards banks   limit gradual growth   oversee revised example   adopt sharing agreements   shape key takeaways   take key uncertainties   make most impact   offer easy way   mean paid fees   utilize automation tools   include reduce coverage   decline gain opportunity   offer appeal products   identify new chain   dominant payment processors   recapitalizing post sheets   set evidence share   highlight interest rates   hire sell agents   face make pressures   sign give agreements   allow greater control   present consider opportunity   cloud introduction findings   shop shopping statistic   accept manage need   justify payment fees
Measures:   information regulators   term insurance   emerge risks   simple payments   external organizations   customer engagement   inadvertent coverage   average number   direct competitors   full service   inherent insecurity   automate branches   large platforms   distinct paths   financial system   emerge value   mobile connectedness   traditional uncertainties   national level   fintechs implications   channel underwriting   lead applications   incumbent distribution   most impact   total participants   traditional ecosystem   gradual growth   long partnership   flexible partnerships   individualize risk   structural transformation   disruptive potential   underserved needs   future project   expertise context   specific needs   service products   profit gap   online payments   major share   brand products   margin apis   core products   worker insurers   long run   new markets   blur lines   new forces   switch costs   card usage   potential pressuresshifts   need models   critical mass   smart cards   more points   collective set   regional models   ingrain behaviours   challenger banks   breed offerings   fundamental shift   different countries   high value   change lifestyles   term solution   specific products   agreement role   recent innovations   potential end   bank sector   digital industry   institutional investors   regional advantages   small amounts   marsh clients   incumbent institutions   global life   customer choice   total transactions   account merchants   open standards   introduction findings   different types   future evidence   continue development   valuable banks   global shifts   micro insurance   diverge paths   physical presence   low income   online store   giant tencent   exist market   same platforms   willing partners   incremental example   financial solutions   underwrit responsibilities   online systems   only picture   high returns   extensive outreach   relate products   internal costs   online tools   emv cards   build findings   online market   financial ecosystem   own efforts   different programmes   payment experiences   large firms   detail description   talent implications   useful tool   new utilities   microinsurance products   run partnership   gap banks   les lack   insurer partner   extinct languages   use wallets   large form   complex products   underwrit stand   profitable segments   alternative sector   compliant actions   forum professionals   clear behaviours   technical implications   retail apps   automate processes   financial regionalization   several banks   traditional intermediaries   mature ecosystem   market data   come application   small pool   industrial production   institutional money   price comparability   cash usage   local incumbents   regulatory environment   critical conditions   distinct strategies   different institutions   open data   new schemes   simple products   decline card   solution power   geo information   claim rates   consequence implications   flexible introduction   competitive advantage   large companies   current ecosystem   customer segments   european unions   platform incumbents   partnership sources   low payments   retail competitor   flexible insurance   public accounting   technological capabilities   party applications   online uncertainties   rapid disruption   service directive   european payments   online sales   digital payments   invaluable role   large merchants   executive strategy   central banking   retail wealth   unclear findings   key innovations   several forces   support concerns   share costs   mobile phones   digital purchase   small technology   work sensors   new provider   central introduction   critical committee   steer committee   financial institution   demise apple   entrant platform   double digit   vary adoption   relate entities   innovative forces   financial products   post sheets   emerge markets   good ways   black shoppers   regulator implications   crucial parts   measure insurance   mobile technology   different paths   future development   operate officer   uncertainty ladder   fintechs incumbents   small banks   latter access   compete vendors   large shopping   oligopolistic distribution   key stakeholders   large technology   executive president   lead organizations   product usage   product design   online event   standard markets   mature markets   legal structure   professional adviser   secondary accounts   new era   global convergence   card choices   mobile clients   major disruption   medical check   hard enforcement   last years   fast schemes   human interaction   generous commitment   financial management   instant term   base products   start ups   difficult implications   free payments   control implications   traditional model   base coverage   most instances   emerge technologies   serious pressure   adjacent pools   global leader   comparable retailers   differentiate factor   unclear direction   new players   heavy users   executive officer   breed products   online bank   alternative implications   focus insurers   lifestyle insurers   connect technology   same time   scale context   interest rates   key locales   several jurisdictions   open solutions   standard studies   early signs   alternative ecosystem   major payments   modular products   financial globalization   public sector   global officer   customizable range   previous work   merchantintermediary level   multiple sources   heighten competition   continue studies   shop market   expertise implications   superior experiences   such assistants   open environment   curate platform   mobile credit7   possible futures   fundamental questions   fix term   advance solutions   connect devices   auto insurance   good targets   technology capacity   applicants8 ladder   flexible products   key issue   share implications   new solutions   total limits   new systems   potential states   online processors   small slices   fourth revolution   future takeaways   evidence evolution   card increases   digital impact   core systems   link volume   connect products   clear evidence   interchange fees   breed providers   global payments   digital currencies   certain products   diverse offerings   good value   international sessions   systemic problems   transformative power   private company   retail shopping   insurance traits   many players   good example   phase returns   recognize model   most customers   possible regulators   plausible states   black weekend   multiple jurisdictions   evidence level   channel implications   consistent foreword   core technology   low barriers   tether stand   run sources   alternative currencies   attractive rates   value chains   need mass   individual lifestyles   superior onboarding   incumbent insurers   negative shocks   easy access   increase level   local club   information services   subsequent demand   multistakeholder workshops   seamless payments   wealthfront etfs   open platforms   most revenues   same day   customer value   tough choices   similar legislation   business models   revenue streams   payment tools   open platform   regulatory pressures   original manufacturers   intense pressure   e2bf 345d   regulatory direction   cost drivers   mobile applications   base architecture   grey area   population distribution   seismic shift   follow executives   legacy findings   foreign exchange   income individuals   focus platforms   high level   exist value   profit implications   nrf statistic   traditional chains   rapid developments   oversight guidance   cyber model   traditional regulators   open regulations   various geographies   profile implications   insurer ability   come roll   more fintech   artificial intelligence   specialist example   several solutions   base approach   many markets   flexible implications   guidance oversight   technological value   front end   direct competition   global head   online challenger   compel institutions   little bit   front offerings   delay flight   comprehensive scheme   payment solutions   develop world   scale sources   uncertainty role   revolver customers   distribution partnerships   client sources   digital distribution   healthy customers   relevant mapping   specific functionality   online shift   future capabilities   relate activities   bespeak solutions   demonstrate improvement   large role   high fees   more information   intermediary1 carrier   adaptable customers   share5 uncertainties   long time   average fees6   traditional s   new method   different channels   drive cars   grow segment   alternative lenders   force regulators   unify experience   online ecosystems   integrate telematics   central rails   retail stores   trade etfs   potential base   customer base   multiple vendors   customer risk   risk monitor   curate ecosystem   grow set   matter experts   multistakeholder approach   possible end   lifestyle customers   increase implications   significant share   profitable products   mobile banking   traditional partners   available information   alternative markets   retail worlds   innovative entrants   emerge capabilities   new offerings   slice intelligence   low risks   digital world   traditional institutions   many stakeholders   first time   vary importance   senior strategy   financial times   more adoption   small businesses   crisis sheets   life products   low rates   different patterns   fast growth   datum security   significant disruption   retail investment   complex needs   key trends   available apis   significant platforms   common channels   official adviser   previous solutions   move traffic   rewardloyalty schemes   limit awareness   last months   entire profile   broad partnerships   risk partnership   local payment   incremental value   base markets   new sources   level partnerships   les choice   legacy infrastructure   diverse set   own findings   professional advice   existent customers   automation tools   negative loop   digital solutions   dominant players   traditional technologies   landscape increase   monetary transactions   independence context   fast segment   successful monetization   first half   outstanding bond   retail areas   second end   interchange rates   stress testing   deprioritize agents   easy way   infrastructure approach   flexible coverage   scale capital   online channels   low fee   typical s   online purchases   audacious bets   mobile channels   such advice   customer ownership   chinese payments   technological offerings   potential implications   annual cagr   local conditions   affinity products   customer needs   adoption solutions   online experiences   difficult choice   term products   localize regulations   retail banking   target pricing   current systems   several states   payment apps   key geographies   bank ecosystem   short fintechs   pivotal questions   new strategies   distribution side   important source   client base   broad reach   traditional competencies   great control   advisory services   additional advantages   actual product   relative importance   payment experience   premium discounts   frequent changes   evidence demonetization   global rise   high costs   enough definition   new bars   large ecosystems   new models   incumbent regulators   time payments   technological barriers   new features   online retailers   location information   transformative role   international property   new fintech   experience questions   digital leader   secure apis   digital platforms   wide variety   commercial lines   insurtechs insurers   chief architect   p2p payments   executive chairman   border convenience   complementary data   control platforms   distribution models   general information   transformative potential   broad competition   value proposition   smoke detector   short term   large event   simple services   technological sophistication   mas adoption   mobile apps   effective way   grow pressure   competitive differentiation   attractive customers   open payments   participate apps   base insurance   low fees   datum sharing   insurance company   sustainable advantages   additional depression   emerge world   balance sheets   online platform   existent findings   les patience   easy policy   datum context   online term   more agents   legacy systems   traditional understanding   platform banking   open models   trustpp2 context   standard experiences   convergence firms   payment providers   increase globalization   vulnerable participants   vitality points   fund etfs   subsequent changes   fee payments   industry consolidation   low products   complete picture   global market   deep dive   continue case   marsh analysis   trust lack   global entry   big players   serious threat   recent years   insurance journal   technological systems   online volumes   own information   drive partnerships   competitive findings   experience insurance   value propositions   protection policies   most consumers   many segments   market share   free deployment   program interfaces   institutional support   digital sales   customer support   immediate experience   distinct ecosystems   customer loyalty   base schemes   specific experiences   primary institutions   app store   same customers   daily activities   digital banking   purchase processes   prepay credit7   open apis   product strategies   need insurance   direct sales   end offerings   enough support   significant context   open parties   insurance products   key uncertainties   payment processors   free nest   early adoption   virtual assistants   future disruption   online solutions   digital strategy   external forces   free transfers   major shifts   customer risks   direct connections   traditional cards   low returns   different apps   cyber aggregation   bank branches   first end   aggregation platforms   broad data   new ideas   single set   customer data   potential partners   professional services   financial infrastructure   third organizations   indian currency   numerous organizations   friendly regulator   more transparency   new ways   business line   traditional coverage   external developers   vast majority   eventual modernization   evolve relationships   datum concerns   free offerings   american banker   various sources   commoditization context   portfolio construction   true alternatives   new applications   margin pressures   large incumbents   digital channels   white label   quantitative evidence   mobile wallets   different coverages   project framework   mature payments   single point   traditional systems   potential applications   ecosystem post   few models   habit tools   profit rise   digital states   high rates   open interfaces   most implications   localize improvements   retail payments   actual details   ongoing basis   single segments   different countries9   broad adoption   local nature   good understanding   point example   large club   low adoption   bank needs   financial hubs   chief banking   financial firms   different value   global institutions   standard tools   narrow range   underwrit advances   more resources   alternative capital   multiple apps   profitable customers   attractive partners   flexible range   specialize slices   technological catalysts   online schemes   regional solutions   payment transfers   complicate products   more findings   specific insurance   desirable sources   new products   traditional products   regulatory bodies   several years   digital experience   consumable chunks   common structure   alternative transactions   more card   reliability issues   revolve market   study share   fintech landscape   margin incumbents   strategic analyses   nontraditional schemes   overall increase   increase regulation   subsequent need   distribution channels   payment landscape   big sale   previous reports   mobile payments   customize solutions   external insurers   large solutions   expand transmission   distribution platforms   rapid change   indian government   alternative methods   significant efforts   community professionals   new streams   account information   increase connectivity   several markets   connect services   payment fees   key takeaways   digital tools   global popularity   broad exploration   physical locations   payment systems   new context   annual meeting   financial officer   large players   global workshops   multiple providers   financial organizations   illustrative case   initiation services   user usage   incumbent implications   financial institutions   past reports   premium incentives   key differentiator   web services   large networks   financial brand   possible ease   new walk   financial investment   unprofitable segments   disruptive forces   large share   new organizations   low costs   finding uncertainties   connect insurance   fast payments   traditional risks   evolutionary paths   important techs   payment networks   similar markets   evidence rise   single channel   market fintechs   mobile coverages   case studies   bank standards   old infrastructure   low revenues   exist roles   good pricing   past technology   personal operations   exist base   connect tools   current products   base countries   share agreements   lucrative partnerships   many incumbents   regulatory forces   insurance premiums   cheap prices   original psd   freeze churches   global note   key findings   direct solutions   datum ownership   tailor experiences   increase competition   large techs   holistic perspective   increase fragmentation   industrys development   mine data   competitive pressure   new payments   great access   bank experience   different solutions   fix time   same way   new infrastructure   platform fintechs   traditional carrier   outside organizations   develop markets   attractive targets   overwhelm dominance   differentiate offerings   entire value   critical component   absent pressures   datum increases   open sharing   valuable segments   new entities   noticeable share   technological solutions   more tools   key failure   traditional size   likely point   datum solutions   flexible chunks   chief officer   fourth report   contact details   base infrastructure   advantage products   additional fees   multiple platforms   traditional accounts   technology firms   regulate pieces   global strategy   purchase occasions   commoditize context   lifetime insurance   bank models   major offerings   low usage   financial markets   agile alternative   modern solutions   final phase   few card   simple solutions   online ecosystem   external solutions   first day   direction shape   erode customers   flexible policies   new platforms   wire transfer   competition implications   shrink profits   difficult conditions   traditional ecosystems   exist platforms   own solutions   increase reliance   non incumbents   large capabilities   digital protocols   third end   commoditize control   many sources   offering sources   rapid fintechs   legal tax   traditional solutions   real time   purchase patterns   new services   new architecture   online banking   competitive insurers   insurance providers   client comfort   differ needs   many insurtech   management monitor   exist solutions   personal time   increase use   insurance role   evidence share   digital area   exclusive networks   few distributors   new concerns   new tool   many verticals   tech platforms   curate platforms   massive pressures   end states   key services   social network   insurer profits   key changes   tether rise   solution sources   technology implications   selective acceptance   advance analytics   new limits   wide range   les fees   life insurance   underlie drivers   critical infrastructure   domestic payments   clear taxonomy   retail refer   long term   future circa   mobile geo   alternative findings   customer acceptance   new entrants   profit pools   partnership model   credit cards   kyc utility   diverge pictures   major source   personalize solutions   shop statistic   online merchants   similar problems   overall growth   new combinations   customer relationships   mas clients   broad suite   open regulation   ubiquitous solutions   gradual migration   automate centres   contradictory objectives   joint model   new partnerships   day transfer   financial crisis   infrastructure example   third parties   videoconference call   different players   challenge environment   more customization   more value   own products   executive property   gradual shift   additional data   virtual banks   international journal   different regions   chain intermediaries   consistent standard   retail fx   direct cannibalization   per price   increase share   lead insurers   new entrant   alternative forms   exist data   new challengers   software providers   regulatory disruption   major restructuring   third party   increase importance   impact insurance   profitable scale   financial value   decline profitability   cost channels   predictive analytics   outside products   multiple parties   traditional frameworks   original payments   simple apis   subject experts   mix picture   financial area   result banks   overall term   incumbent banks   traditional models   static sets   product cannibalization   significant demand   alternative schemes   rigid policies   market power   enormous pressure   monetary policy   connect car   confirm transactions   regulatory pressure   fragment universe   evidence value   emerge innovations   relevant sector   exist perceptions   currency development   large reinsurers   hoc solutions   new chain   mobile app   base solutions   level blueprint   close ecosystems   more lines   payment solution   platform models   frictionless experience   mobile technologies   revolve gain   key ladder   regulatory buy   app usage   institutional compliance   alternative rails   large exchange   evidence dominance   specialize product   same experience   platform world   distribution networks   competitive landscape   additional implications   great power   engagement models   tie products   financial services   traditional schemes   sustainable value   many sheet   revolve customers   more questions   next generation   product manufacturing   more benefits   modern payments   credit scores   decline profits   individual products   relate risks   disruptive innovation   potential cannibalization   corporate strategy   adoption acceptance   human capital   commercial policy   spend patterns   ongoing support   study evidence   same usage   value chain   own subsidiary   exist fintechs   tech capabilities   new technologies   profound implications   global firms   interchange revenues   familiarize users   seamless experience   programmableweb platform   regulatory priorities   non firms   personal insurance   dominant model   single markets   role implications   rise importance   inter value   grow cyberinsecurity   manage director   different markets   open questions   different rates   new strategy   new risks   new world   participant roles   work group   focus offerings   day sale   chief property   intermediary consolidation   new line   standard example   regulatory frameworks   transformational effect   wide selection   evidence ownership   routine interactions   digital sector   competitive advantages   different needs   cut uncertainties   collaborative dialogue   uncertain path   virtual agent   digital development   industrial revolution   major scandal   different use   base technologies   global hubs   term coverage   serious obstacles   large infrastructure   new grounds   available data   come years   digital products   equal products   life insurer   inconsistent insurers   digital interfaces   flexible product   affinity needs   online transactions   small ecosystem   share economy   digital identity   low occupancy   aggregate information   value intermediaries   mobile payment   open world   traditional payments   regulatory environments   global impact   external companies   insurance insurers   amazon services   online platforms   apple pay   deep dives   major bank   diverge payments   lend club   adequate agreements   young bases   chain implications   emerge insurance   emerge economies   mini branches   relate changes   large amounts   select banks   more popularity   datum sets   identity solutions   online accounts   bank tools   cultural participation   current report   entire experience   specialize implications   digital experiences   extreme cyberevents   subject matter   support evidence   digit share   global crisis   customer expectations   modern systems   level data   bank club   european markets   online shopping   datum monetization   payment standard   different locations   offer context
Actions:   include professionals   preserve implications   make companies   roll it   limit profitability   gain share   join conditions   own 50   low costs   assess rise   create models   enjoy experiences   fill banks   rail payments   set level   affect transactions   connect monitoring   limit company   generate forms   experience pressure   create fintechs   capture data   receive savings   protect technology   enable applications   align post   represent paths   create challenges   transform services   represent culmination   cut 50   receive nest   target lifestyles   include apple   monitor products   produce impact   monitor customers   strengthen role   adopt payments   overcome stickiness   achieve sources   launch competitor   provide capital   presume level   centre experience   improve comparability   reduce claims   provide stakeholders   include coverage   pioneer use   capture direction   receive data   address questions   limit growth   establish taxonomy   push use   justify fees   use tools   expand base   limit banks   limit acceptance   maintain trust   create concerns   provide differentiation   suit them   encourage customers   deploy products   adopt aws   enforce degree   enable products   launch product   build solutions   set term   define fintech   use example   shape development   cost much   characterize industry   provide functionality   protect context   earn that   drive development   fall fintechs   track usage   protect detector   switch uncertainties   develop products   extract revenues   impact roles   demand modularity   embrace era   cause bifurcation   share data   struggle findings   duplicate work   meet expectations   discuss perspective   form ecosystem   dominate interactions   shift purchases   develop strategies   succeed mass   determine phase   increase engagement   represent point   pay solutions   resemble firms   provide institutions   tailor experiences   offer age   required13 telematics   allow control   improve offerings   convince customers   shift focus   put control   see popularity   target ladder   increase competition   allow services   make decision   introduce policies   impact use   lay foundation   impact parts   develop models   discourage providers   limit ability   extend reach   standardize processes   mean fees   define shape   decline end   deploy tools   help implications   utilize industry   shift delineation   reshape structure   take 10   allow acts   conclusion usage   replace systems   decide findings   fit work   create report   face revenues   face barriers   pursue slices   modernize systems   issue increases   consumer regulators   monitor growth   thrive implications   turn volume   shop statistic   save customers   offer transfers   minimize threat   drive advancements   curate sources   use data   increase likelihood   erode pc   capture customers   influence ecosystems   adopt traits   define expectations   retrieve quest   manage tools   serve needs   serve clients   embrace banking   share transactions   create streams   consider relationships   lead customers   face systems   become channels   create platforms   read guide   reshape services   differentiate technologies   continue insurer   reach implications   invest data   use solution   find models   accelerate commoditization   oversee example   bridge number   shift responsibility   shift landscape   risk cannibalization   need strategies   buy convenience   take place   address risks   apply approach   represent targets   follow lead   give mass   bypass intermediaries   retrieve 345d   collect streams   develop power   deliver context   deploy solutions   reach end   show evidence   insure risks   migrate systems   accept services   shape industry   offer types   juggle apps   conclusion note   shape sector   expect payments   develop interfaces   enable organizations   test idea   allow monitoring   increase capacity   open branches   acquire expertise   require customers   discount premiums   become competitors   represent start   find ways   raise bar   decrease usage   track spread   increase focus   offer value   push margins   connect lines   deploy offerings   purchase findings   connect participants   take underwriting   make improvements   take 26   impact banking   brand itself   enter fintechs   drive customers   shape takeaways   reinvent strategies   decrease cost   give networks   hold buy   use bank   favour incumbents   set bars   implement ifr   make inroads   approach fintechs   give access   harness ai   train employees   identify vendors   provide solution   force companies   compel regulators   appeal conditions   create conditions   force firms   shift role   illustrate position   affect sources   piece patterns   introduce transparency   increase access   want 3   match products   commoditize drivers   ecosystem absence   abuse power   support development   suggest ideas2   conclusion forum   ensure security   get transfer   reach sectors   reach adoption   measure risk   collect depth   manage savings   build standards   shift profits   make call   redistribute pools   reshape expectations   target target   mitigate risk   increase usage   roll growth   differentiate regionalization   cloud findings   overcome 3   illustrate scale   face insurance   impact ways   include firms   offer these   conclusion banking   concern move   recapitalizing sheets   dominate increase   require verification   take dominance   improve tracking   conduct transactions   handle majority   reduce cost   implement tools   offer distribution   bridge gap   increase digitization   initiate payments   find niches   provide context   undergo restructuring   steer customers   account reconciliation   retrieve partnersliberty   reduce institutions   make deployment   collect ownership   improve customer   host platforms   enter side   choose partnerships   decide approach   face disruption   compromise stand   monitor risks   drive changes   overcome findings   connect rise   bring microinsurance   innovate findings   form partnerships   expand systems   collect data   provide bulk   represent improvement   collect context   use you   support evidence   represent host   organize analysis   embrace economy   exceed functionality   gain guidance   deploy processes   consider risk   embrace technologies   acquire information   need help   achieve adoption   develop capabilities   retain implications   prompt issues   provide experience   reference 3   extend partnerships   shape capabilities   encourage dialogue   shape path   face insurers   purchase insurance   demand experience   take lead   deliver cmo   suggest need   reach rates   purchase coverage   overcome perceptions   shrink apis   evaluate offerings   shop landscape   re target   change implications   control questions   retain control   miss opportunity   see start   report questions   externalize parts   render tax   represent threat   conclusion payments   hold questions   buy what   illustrate evolutions   necessitate shift   add services   increase integration   push banks   meet customers   provide solutions   find products   gain support   change occasions   need entrants   deactivate user   set what   create model   expand sets   collect example   expand role   find acceptance   offer way   secure mindshare   give way   conduct exploration   take stock   create journal   differentiate customer   enable sources   represent 53   remove them   have that   unlock data   drive thoughts   end states   build infrastructure   offer products   capture payments   emerge uncertainties   study overview   seek partners   improve proposition   face competitor   regulation roll   control manufacturing   broaden reach   notify mutual   exist context   acquire infrastructure   take pay   go fees   accept payments   fit insurance   view products   receive buy   pay less   discuss insights   enable companies   suffer implications   cultivate advantages   cover insurers   refocuse efforts   continue migration   use apis   develop tools7   weaken honour   fit conditions   operate own   regard conditions   cut products   cultivate community   approach zero   create ecosystem   choose channels   need insurtech   face battle   shift agents   call centres   satisfy models   build connection   disintermediate networks   rob deloitte   advance development   use technology   use credit7   deploy insurers   change products   lack standard   distort regulators   force them   learn lessons   acquire monetization   multiply effect   limit 13   adopt legislation   achieve ubiquity   target individuals   shift evidence   involve outreach   jettison efforts   support ownership   revise directive   sign agreements   drive disaggregation   take years   provide software   differentiate end   adapt payments   set tools   develop apis   continue insurers   turn means   object products   illustrate role   provide oversight   use which   minimize engagement   pclife rise   use languages   optimize base   bypass chains   download range   dominate payments   give power   disrupt landscape   simplify connections   rise rise   conclusion insurance   redefine management   match needs   encourage solutions   emphasize channels   purchase products   need ability   establish themselves   protect rest   offset cannibalization   highlight rates   rise bodies   accept distribution   improve testing   reduce lack   handle example   provide technology   use combination   offer uncertainties   integrate decreases   face processes   manage use   force adoption   deliver range   prevent ecosystem   reach 160   answer questions   learn methods   create compatibility   enable entrant   cover work   secure data   encourage usage   lead wallets   receive monetization   accept customers   monitor coverage   change positions   build know   recover customers   take evidence   use model   choose eg   introduction findings   set share   design systems   enable combinations   hire agents   prove banks   shift shopping   meet needs   take share   smash records   create loop   purchase behaviours   share that   support level   manage teams   enforce standards   offer tracking   differentiate themselves   open account   switch demand   protect churches   lead services   diverge demonetization   serve studies   process tools   support dominance   start ups   shape analyses   thank committee   monitor shift   form backbone   test limits   specialize insurtechs   scale implications   enter markets   weigh profits   lose proposition   spread losses   utilize analytics   push incumbents   adopt approach   find sources   empower users   create infrastructure   fit customers   hold uncertainties   use solutions   require role   enable selling   face obstacles   purse partnerships   see wwwdeloittecomabout   require incumbents   represent sale   minimize losses   launch partnerships   monitor sharing   derive value   give definition   offer cashbacks   fragment experience   shift development   design needs   raise scores   communicate culture   set concerns   drive adoption   sell products   launch insurance   shift lines   re sources   lose track   select products   explore forces   mean shifts   manage suites   offer answers   manage partner   launch zelle   see this   offer insurance   require sharing   earn points   address issues   roll changes   do what   launch chatbot   bring insurance   need coverages   participate banks   end payments   drive cost   pay china   gain traction   curtail institutions   improve flexibility   fintechs implications   redefine strategy   change insurance   create product   prompt findings   switch costs   challenge underwriting   use payments   have products   buy products   account services   conclusion finding   design products   target area   lower revenues   charge less   face ups   expose api   migrate pools   balance needs   serve interests   use information   match rise   change circa   approach findings   create aggregation   warrant shift   suit insurance   represent 78   use parties   collect information   change underwriting   use cards   spread innovations   decline opportunity   set ecosystem   offer services   propose etfs   acknowledge executives   change way   weaken power   attract customers   drive profits   pay intelligence   offer ie   acquire implications   develop tools   develop solutions   manage ai   face pressure   outsource underwriting   retain segments   force insurers   bridge needs   differ capabilities   overcome apathy   provide customers   deactivate accounts   develop suite   collect time   know utility   shift insurers   low channels   connect insurers   create propositions   integrate insurance   build products   reduce duplication   dominant processors   paint pictures   present opportunity   use channels   lead increase   intensify relationships   wield power   maximize base   pay soften   streamline processes   decide uncertainties   monitor adjacencies   scale uncertainties   compete platform   face ai   build context   build processes   offer features   understand potential   resist regulation   unlock rise   represent value   cover changes   broaden suite   paint world   acquire ai   enable future   exist fees   force development   monitor implications   use modularity   define framework   target customers   join platforms   offer onboarding   match example   strengthen hubs   rely members   support market   pass legislation   lock customers   establish partnership   seize initiative   live customers   redistribute location   affect business   access information   bypass series   change design   simplify process   navigate aftershocks   reduce costs   enable solutions   disruption example   overcome lack   lead change   run company   cut staff   solve partnership   provide shift   limit adoption   choose that   launch erica   protect users   examine trends   meet customer   pas set   adopt variety   attract partners   establish services   differentiate implications   measure rates   offer mashable   shift customers   illustrate pressures   attest clients   use position   preserve incumbents   lose value   force banks   follow crisis   limit monitor   use fintechs   customer interest   add features   make impact   monitor risk   set expectations   limit fees   provide fees   affect adoption   gain power   mean choices   adapt fintechs   decrease 2   gain implications   migrate data   change channel   evolve institutions   provide store   create imperative   integrate rise   emphasize agents   process payments   benefit most   take opportunity   see decline   increase pressure   choose areas   represent shelf   manage labour   affect majority   design solutions   jettison segments   benefit choice   take that   open world   increase uncertainties   model cyberevents   replicate behaviours   deploy proliferation   paint picture   make pricing   support value   mean models   illustrate uncertainties   explore implications   store implications   use partnerships   embrace platforms   emphasize that   minimize need   limit rates   limit solutions   offer rates   unlock 3   understand consequences   develop guidelines   transfer advantages   lower barriers   capture share   achieve objectives   impact purchase   offer ability   benefit state   make payments   create grounds   hold workshops   roll insurance   embrace demonetization   own experience   place them   enter sector   forbid merchants   pas regulations   play catch   achieve this   make partnerships   convert 300000   face pressures   need rise   use uber   lower power   transfer billion   undertake efforts   change basis   stand businesses   design experience   enter services   contain information   erode evidence   differ sources   suit demographic   shift implications   manage balance   fulfill which   use acquisitions   low fees   drive competition   force creation   differentiate fintech   track implications   explore creation   fit products   take action   conclusion states   offer connections   utilize tools   offer 1   accelerate incumbents   incentivizes banks   present banks   deploy partnerships   increase amount   affect development   implement sources   bypass consolidation   shift responsibilities   lack base   accept need   overtake incumbents   diverge priorities   manage talent   prefer channel   reach 57   use web   grow brand   turn threat   verticalize implications   shape efforts   adopt products   make purchase   receive findings   offer slices   incumbent networks   continue evidence   change ecosystem   offer insurers   see change   lack choice   introduce coverage   add ons   account implications   trigger shift   distinguish insurance   challenge narrative   control information   give solutions   limit studies   know what   take 3   identify chain   fit model   support technologies   mandate policies   decrease implications   shape half   make ease   play role   build relationships   provide construction   drive innovation   identify forces   set experiences   find insurance   adopt agreements   deliver pricing   force insurtechs   create line   specify sector   favour findings   seek scale   try method   manage shift   need context   require hundreds   necessitate loss   adapt size   deliver uncertainties   use advertising   offer sharing   push providers   share regulators   struggle uncertainties   reference 1   lower profitability   switch providers   occur models   see wwwdeloittecomusabout   forgo income   threaten position   serve prosumer   leverage control   adopt model   take uncertainties   lead innovation   meet segments   force incumbents   bypass check   balance loss   signale start   define blueprint   change behaviour   foster consolidation   save money   need connectivity   affect developments   provide services   support payments   understand power   develop channels   develop information   platform banks   engage customers   monitor rise   create opportunities   create risk   form collections   raise questions   support comfort   think leadership   change patterns   face costs   align conditions   outsource design   enter sources   authorize services   automate processes   create ecosystems   switch banks   demonstrate advantages   add products   face incumbents   embrace ability   facilitate workshops   volunteer information   seek partnerships   enable transaction   lie foundations   view partnerships   complement products   influence future
This section lists the details about pathway-specific attributes.