The investment landscape is changing. Investors, Advisers and Distributors need better tools to combat uncertain markets, increased regulation and margin compression.
As regulation and demographics continue to re-shape the global savings market, we see an urgent need to enhance the way in which products and services are delivered to end customers.
For investors, flexibility and affordable protection are becoming more of a need than a want. For advisers, regulation is driving up the base cost of servicing individual clients, and at the same time constraining how and where such services can be charged for. For distributors, capital constraints and operational efficiency are increasingly being placed at the heart of product development.
These dynamics point towards a need for more automated customer servicing, better investment decision making tools and a higher emphasis on downside protection within product design.