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      Change; it’s no longer an uncommon phenomenon. It’s a constant state of being. And the financial services industry is at the forefront of it.

      Rapidly advancing technologies, evolving customer expectations and shifting regulatory frameworks are hurtling at businesses, shaping a new world of disruptive innovation for financial institutions. These changes are not unexpected. Neither are they random. They reflect areas where your customers want to connect and have their needs met, and the capabilities you should develop to meet them there.


      It has become very apparent that financial services will become a set of capabilities rather than an industry. These will be capabilities that can be provided to many and shared by all. Essentially, the traditional financial services industry will need to become perimeterless.

      Anthony Ruddenklau


      The future is AI-powered, human-centred and experience-led

      Explore key forces reshaping financial services. Uncover what it will take to deliver experiences that are fast, frictionless and personalised. 

      Over the next decade, the needs, wants and behaviours of your customer will continue to evolve. While their expectations of digital solutions have increased, they are also becoming time-poor with too many digital services on offer. Convenience and personalisation are top priorities. They expect hyper-personalised experiences that cater to them in more specific and amplified ways.

      New capabilities, including artificial intelligence technology and data-driven insights, will empower financial services players to improve customer interfaces, aggregate volumes of data, and understand and act upon that data.


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      Our People

      Antony Ruddenklau

      Partner, Head of Financial Services, Global Head of Fintech and Innovation, Financial Services, KPMG International and Head of Payments, Asia Pacific

      KPMG in Singapore


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      KPMG combines our multi-disciplinary approach with deep, practical industry knowledge to help clients meet challenges and respond to opportunities. Connect with our team to start the conversation.