{ "schemaVersion": "deck-intelligence.v1", "id": "019dd923-5de0-76bd-a167-d97b47181c2f", "slug": "df6f7ffbb24bfbd2", "title": "Banking: The future is back", "subtitle": "Accenture", "author": "Accenture", "pageCount": 48, "kind": "consulting-deck", "orientation": "landscape", "aspectRatio": 1.778, "document": { "id": "019dd923-5de0-76bd-a167-d97b47181c2f", "slug": "df6f7ffbb24bfbd2", "title": "Banking: The future is back", "rawTitle": "Banking: The future is back", "authorId": "Accenture", "authorName": "Accenture", "authorDisplay": "Accenture", "kind": { "slug": "consulting-deck", "label": "Consulting deck" }, "sourceType": { "slug": "strategy_consulting", "label": "Strategy consulting" }, "fileName": "Accenture-Banking-Top-10-Trends-2025-Report.pdf", "sourceUrl": "https://www.accenture.com/content/dam/accenture/final/industry/banking/document/Accenture-Banking-Top-10-Trends-2025-Report.pdf", "sourceDate": "2025-01-01 00:00:00", "presentationDate": null, "ingestedAt": "2026-04-24 07:54:32+00", "status": "ready", "pageCount": 48, "orientation": "landscape", "aspectRatio": 1.778, "targetCompany": null, "targetTicker": null, "metadata": { "local_root": "/tmp/legacy-images/df6f7ffbb24bfbd2", "origin_corpus": "consulting" } }, "coverage": { "pageCount": 48, "pagesIndexed": 48, "pagesWithImages": 48, "pagesWithMetadata": 48, "imageCoveragePct": 100, "metadataCoveragePct": 100, "componentCount": 297, "chartCount": 5, "metricSlides": 8, "toolMatches": 102, "documentToolMatches": 0, "frameworkMatches": 5, "arcMatches": 2, "beatMatches": 8, "loopMatches": 12, "patternMatches": 0, "storymakersMatch": true, "scoreAvailable": true, "reviewAvailable": true, "activistThesisAvailable": false, "pitchdeckMetadataAvailable": false, "pitchdeckProfileAvailable": false }, "blocks": [], "matches": { "arcs": [ { "arc": { "name": "The Triple Take", "slug": "triple-take", "status": "active", "bestFor": "Data-driven presentations, research findings", "canonId": "019dd956-6221-73ad-bc12-378f8eb1f018", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "The Facts (What) -> The Implications (So What) -> The Action (Now What)", "description": null, "familyLabel": null, "categoryName": "Analysis & Information", "categorySlug": "analysis-information" }, "matchId": "019dd95a-0542-7728-a78c-9f2c0e720b5b", "evidence": "Each of the 10 trend chapters and the deck overall use Facts ('What's the trend?') -> Implications (data/case study) -> Action ('What do we expect by 2030? 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Accenture Research analysis of 27 leading banks’ mobile app ratings.\n2. Accenture, Life Trends 2024.\n3. Accenture, Global Banking Consumer Study, 2024.\n4. Ibid.\n5. Ibid.\n6. World Bank Group, The Global Findex Database 2021.\n7. Accenture Research analysis.\n8. Nu Holdings, Q3 2024 Financial Results, 13 November 2024.\n9. Accenture Research analysis based on Nu Holdings FY2023 financial statement.\n10. Block, 2024 Annual Report.\n11. Sifted, US-focused AI fintech Cleo hits $150m ARR and eyes return to the UK, 6 November 2024.\n12. Digital Finance, How Standard Charter is embedding itself in Asia’s e-commerce, 15 November 2023.\n13. Accenture, Top 10 Banking Trends for 2024, January 2024.\n14. Accenture, Research analysis of 152 leading banks across the globe.\n15. Apollo Global Management, Investor Day, October 2024.\n16. JPMorgan Chase & Co., Transcript of Earnings Call, 14 July 2023.\n17. JPMorgan Chase & Co., 2023 Annual Report, April 2024.\n18. Citigroup press release, Citi and Apollo Announce $25 Billion Private Credit, Direct Lending Program, 26 September 2024.\n19. Accenture Research analysis of lending portfolios of 152 leading banks across the globe.\n20. Citigroup press release, Citi and Apollo Announce $25 Billion Private Credit, Direct Lending Program, 26 September 2024.\n21. BNN Bloomberg, Trader Bonus Hopes Swell on Wall Street After Big Banks Surge, 16 October 2024.\n22. Accenture Research analysis.\n23. Accenture Research analysis of JPMorgan Chase’s segment results.\n24. Accenture, Global Banking Consumer Study, 2024.\n25. Qorus, Lunar unveils Europe’s first GenAI native voice assistant for customer service, 26 October 2024.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Numbered list", "slug": "numbered", "status": "active", "canonId": "019de52c-fcc0-7718-a284-a4250c805df2", "version": 1, "description": null }, "framework": null }, "subkind": "numbered", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:40:07.001+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "3c5144a4-0c97-42c7-b670-cef9fbf0be1b", "parentComponentId": null }, { "bbox": { "h": 0.63, "w": 0.35, "x": 0.565, "y": 0.221 }, "kind": "list", "text": "26. Citizens Financial Group website.\n27. Royal Bank of Canada Website.\n28. Revolut, 2023 Annual Report.\n29. HSBC PayMe website.\n30. Wikipedia, Wright’s Law.\n31. Evident AI Symposium, Opening keynote address by Teresa Heitsenrether, 21 November 2024.\n32. Klarna, 90% of Klarna staff are using AI daily – game changer for productivity, 14 May 2024.\n33. Accenture estimate.\n34. Accenture, How Reinvention-Ready Companies Are Driving Growth and Relevance with Gen AI, 17 September 2024.\n35. Accenture Research analysis\n36. Baidu, openEuler has achieved a 50% market share in five years, 18 November 2024.\n37. European Commission, Open source software strategy 2020-2023, 3 November 2020.\n38. BankInfoSecurity, Backdoor Found and Defused in Widely Used Linux Utility XZ, 1 April 2024.\n39. Fintech Open-Source Foundation, The 2024 State of Open Source in Financial Services, September 2024.\n40. Meta, Open-Source AI Is the Path Forward, 23 July 2024.\n41. Hugging Face website.\n42. The Banker, Banks embrace open source for code, contribution and community, 25 April 2024.\n43. Alphabet, 2024 Q3 Earnings Call, 29 October 2024.\n44. Wired, AI Is Rewiring Coders’ Brains. Yours May Be Next, 8 February 2024.\n45. Accenture, Build your tech and balance your debt, 22 October 2024.\n46. Revolut, 10 traits for engineering excellence at Revolut.\n47. Seeking Alpha, Klarna shuts down Salesforce as service provider, Workday to meet same fate amid AI initiatives, 28 August 2024.\n48. Accenture, Data Essentials in the Age of Generative AI, 22 October 2024.\n49. Santander, 7 questions on how Gravity is transforming Santander.", "attrs": null, "canon": { "kind": { "name": "List", "slug": "list", "status": "active", "canonId": "019de52c-f94b-779b-a53b-fd4904a5f4d2", "version": 1, "description": "Bullet or numbered list." }, "tool": null, "subkind": { "name": "Numbered list", "slug": "numbered", "status": "active", "canonId": "019de52c-fcc0-7718-a284-a4250c805df2", "version": 1, "description": null }, "framework": null }, "subkind": "numbered", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:40:07.001+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "dc6d4648-3985-4293-97b0-d85d19bc2d6c", "parentComponentId": null }, { "bbox": { "h": 0.035, "w": 0.135, "x": 0.129, "y": 0.158 }, "kind": "title", "text": "References", "attrs": null, "canon": { "kind": { "name": "Title", "slug": "title", "status": "active", "canonId": "019de52c-f7dd-76d9-b848-b1f12bd85cf4", "version": 1, "description": "Slide title or headline." }, "tool": null, "subkind": { "name": "Headline", "slug": "headline", "status": "active", "canonId": "019de52c-fae1-7463-9a7c-d60668eced0d", "version": 1, "description": null }, "framework": null }, "subkind": "headline", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:40:07.001+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "bf1a226f-7899-486a-b3c5-de2e4c593bc7", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 48, "arc": { "name": "The Triple Take", "slug": "triple-take", "status": "active", "bestFor": "Data-driven presentations, research findings", "canonId": "019dd956-6221-73ad-bc12-378f8eb1f018", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "The Facts (What) -> The Implications (So What) -> The Action (Now What)", "description": null, "familyLabel": null }, "from": 46, "name": "The Action (Now What)", "beatId": "019dd95a-0680-7418-8209-357e1fee8713", "matchId": "019dd95a-0542-7728-a78c-9f2c0e720b5b", "beatType": { "name": "The Action (Now What)", "slug": "triple-take-the-action-now-what", "status": "active", "canonId": "019dd9b8-0a5e-735a-bf53-3a1ba629b7aa", "version": 1, "description": null }, "evidence": "Conclusion 'No simple transition to bank of 2030' calling for human+machine reconciliation", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. 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The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 88 }, { "to": 48, "arc": { "name": "Voyage and Return", "slug": "voyage-return", "status": "active", "bestFor": "Market pivots, expansion stories", "canonId": "019dd956-648b-77d9-bd3b-c16e4cdfe59d", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "The Familiar World -> The Unknown -> Discoveries -> The Return -> Lessons Applied", "description": null, "familyLabel": null }, "from": 46, "name": "Lessons Applied", "beatId": "019dd95a-0680-7418-8209-48cf4d073949", "matchId": "019dd95a-0542-7728-a78c-a2ad7f28f0b5", "beatType": { "name": "Lessons Applied", "slug": "voyage-return-lessons-applied", "status": "active", "canonId": "019dd9b8-366a-702d-983d-5c0acf56cc28", "version": 1, "description": null }, "evidence": "Bank of 2030 = digital efficiency reconciled with personal empathy", "position": 5, "isPrimaryArc": false, "parentBeatType": { "name": "Reflection", "slug": "reflection", "status": "active", "canonId": "019dd9b8-0510-73fd-8d00-1c7e45f7bc98", "version": 1, "description": "The \"so what\" beat. Used by analytical arcs (Triple-take, Onion) and learning arcs (Voyage-return, Tragedy)." }, "alignedBlockIds": null, "matchConfidence": 62 } ], "loops": [], "locked": true }, { "page": 48, "type": "setup", "title": "Standard corporate boilerplate and team credits page.", "function": "other", "rawType": "appendix_disclosure", "block": null, "metadata": { "slideType": "appendix_disclosure", "slideTypeCanon": { "name": "Appendix disclosure", "slug": "appendix_disclosure", "status": "active", "canonId": "019de52d-07b2-7549-8e8b-932a19f6e616", "version": 1, "description": null }, "function": "other", "functionCanon": { "name": "Other (fallback)", "slug": "other", "status": "active", "canonId": "019de52d-15e1-75bc-99dc-07732380e2ce", "version": 1, "description": null }, "density": "dense", "densityScore": 55, "componentCount": 5, "textChars": 2975, "nDataPoints": 0, "notes": "Standard corporate boilerplate and team credits page.", "elementsJson": [ "paragraph", "other" ], "confidence": 1, "extraction": { "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "at": "2026-05-02 18:40:07.081+00", "seconds": 3.846, "promptVersion": "v2-canon-conditioned" } }, "links": { "slide": "/slides/019dd923-5de0-76bd-a167-d97b47181c2f/48", "deck": "/decks/019dd923-5de0-76bd-a167-d97b47181c2f", "deckAnchor": "/decks/019dd923-5de0-76bd-a167-d97b47181c2f#slide-48", "deckJson": "/decks/019dd923-5de0-76bd-a167-d97b47181c2f.json" }, "components": [ { "bbox": { "h": 0.2, "w": 0.25, "x": 0.68, "y": 0.7 }, "kind": "disclaimer", "text": "Accenture and its logo are registered trademarks of Accenture. This document is produced by consultants at Accenture as general guidance. It is not intended to provide specific advice on your circumstances. If you require advice or further details on any matters referred to, please contact your Accenture representative. This research makes descriptive reference to trademarks that may be owned by others. The use of such trademarks herein is not an assertion of ownership of such trademarks by Accenture and is not intended to represent or imply the existence of an association between Accenture and the lawful owners of such trademark.\n\nCopyright © 2025 Accenture. All rights reserved", "attrs": null, "canon": { "kind": { "name": "Disclaimer", "slug": "disclaimer", "status": "active", "canonId": "91173477-d91f-4024-bbaf-d4f93e3f82dc", "version": 1, "description": "Legal/cautionary text that occupies most of the body of its slide." }, "tool": null, "subkind": null, "framework": null }, "subkind": null, "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:40:07.081+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "fc64c83f-031d-4013-b979-1027c25d101b", "parentComponentId": null }, { "bbox": { "h": 0.35, "w": 0.25, "x": 0.4, "y": 0.15 }, "kind": "paragraph", "text": "About Accenture Research\nAccenture Research creates thought leadership about the most pressing business issues organizations face. Combining innovative research techniques, such as data science led analysis, with a deep understanding of industry and technology, our team of 300 researchers in 20 countries publish hundreds of reports, articles, and points of view every year. Our thought-provoking research developed with world leading organizations helps our clients embrace change, create value, and deliver on the power of technology and human ingenuity. For more information, visit www.accenture.com/research", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:40:07.081+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "07767f85-4661-4be7-8a9d-a1c12d8ad9e4", "parentComponentId": null }, { "bbox": { "h": 0.7, "w": 0.25, "x": 0.12, "y": 0.15 }, "kind": "paragraph", "text": "Research Lead\nDariusz Orynek\n\nResearch team\nCorrine Vitolo\nFrancesca Caminiti\nAlejandro Luis Borgo\nStefano Braschi\nMichal Kawa\n\nContributors\nAntonio Coppolecchia\nAlison Detwiler\nDavid Maya\nKim Kim Oon\nAlvaro Ruiz\nAlessandro Secchi\nBen Shorten\nKeri Smith\nAndrew Young\n\nAcknowledgments\nJessica Wolfe\nTony Rattey\nMichael McGinn\nBijoy Anandoth Koyitti", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:40:07.081+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "33174d66-bace-45a4-8902-fda78c23a822", "parentComponentId": null }, { "bbox": { "h": 0.55, "w": 0.25, "x": 0.68, "y": 0.15 }, "kind": "paragraph", "text": "About Accenture\nAccenture is a leading global professional services company that helps the world’s leading businesses, governments and other organizations build their digital core, optimize their operations, accelerate revenue growth and enhance citizen services—creating tangible value at speed and scale. We are a talent and innovation led company with 738,000 people serving clients in more than 120 countries. Technology is at the core of change today, and we are one of the world’s leaders in helping drive that change, with strong ecosystem relationships. We combine our strength in technology with unmatched industry experience, functional expertise and global delivery capability. We are uniquely able to deliver tangible outcomes because of our broad range of services, solutions and assets across Strategy & Consulting, Technology, Operations, Industry X and Accenture Song. These capabilities, together with our culture of shared success and commitment to creating 360° value, enable us to help our clients succeed and build trusted, lasting relationships. We measure our success by the 360° value we create for our clients, each other, our shareholders, partners and communities. Visit us at www.accenture.com.", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:40:07.081+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "6e21da06-a0f9-4da2-a36f-91e6e80ebfe1", "parentComponentId": null }, { "bbox": { "h": 0.15, "w": 0.25, "x": 0.4, "y": 0.5 }, "kind": "paragraph", "text": "Stay connected\nwww.accenture.com/banking\nwww.accenture.com/bankingtrends\nhttps://bankingblog.accenture.com/", "attrs": null, "canon": { "kind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "5f2affc0-941d-4d07-959d-4bfc1930cea4", "version": 1, "description": "Single prose block in the body of a slide." }, "tool": null, "subkind": { "name": "Paragraph", "slug": "paragraph", "status": "active", "canonId": "019de52c-fb80-75af-aa5c-a7a4bfac2433", "version": 1, "description": null }, "framework": null }, "subkind": "paragraph", "groupRole": null, "confidence": null, "extraction": { "at": "2026-05-02 18:40:07.081+00", "model": "google/gemini-3.1-flash-lite-preview-20260303", "runId": null, "seconds": null, "promptVersion": null }, "componentId": "ead4b9d1-7759-47ac-b323-c978a19a24e9", "parentComponentId": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [ { "to": 48, "arc": { "name": "The Triple Take", "slug": "triple-take", "status": "active", "bestFor": "Data-driven presentations, research findings", "canonId": "019dd956-6221-73ad-bc12-378f8eb1f018", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "The Facts (What) -> The Implications (So What) -> The Action (Now What)", "description": null, "familyLabel": null }, "from": 46, "name": "The Action (Now What)", "beatId": "019dd95a-0680-7418-8209-357e1fee8713", "matchId": "019dd95a-0542-7728-a78c-9f2c0e720b5b", "beatType": { "name": "The Action (Now What)", "slug": "triple-take-the-action-now-what", "status": "active", "canonId": "019dd9b8-0a5e-735a-bf53-3a1ba629b7aa", "version": 1, "description": null }, "evidence": "Conclusion 'No simple transition to bank of 2030' calling for human+machine reconciliation", "position": 3, "isPrimaryArc": true, "parentBeatType": { "name": "Resolution", "slug": "resolution", "status": "active", "canonId": "019dd9b8-045d-703b-8dd7-e92aba3ba91b", "version": 1, "description": "How the deck ends. Required in 19/20 arcs. The exception (Sparkline) ends with new bliss which is functionally a resolution." }, "alignedBlockIds": null, "matchConfidence": 88 }, { "to": 48, "arc": { "name": "Voyage and Return", "slug": "voyage-return", "status": "active", "bestFor": "Market pivots, expansion stories", "canonId": "019dd956-648b-77d9-bd3b-c16e4cdfe59d", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "The Familiar World -> The Unknown -> Discoveries -> The Return -> Lessons Applied", "description": null, "familyLabel": null }, "from": 46, "name": "Lessons Applied", "beatId": "019dd95a-0680-7418-8209-48cf4d073949", "matchId": "019dd95a-0542-7728-a78c-a2ad7f28f0b5", "beatType": { "name": "Lessons Applied", "slug": "voyage-return-lessons-applied", "status": "active", "canonId": "019dd9b8-366a-702d-983d-5c0acf56cc28", "version": 1, "description": null }, "evidence": "Bank of 2030 = digital efficiency reconciled with personal empathy", "position": 5, "isPrimaryArc": false, "parentBeatType": { "name": "Reflection", "slug": "reflection", "status": "active", "canonId": "019dd9b8-0510-73fd-8d00-1c7e45f7bc98", "version": 1, "description": "The \"so what\" beat. Used by analytical arcs (Triple-take, Onion) and learning arcs (Voyage-return, Tragedy)." }, "alignedBlockIds": null, "matchConfidence": 62 } ], "loops": [], "locked": true } ], "arcBeats": [ { "from": 1, "to": 5, "label": "The Facts (What)", "description": "Cover, preface, paradox framing and Top 10 Trends overview (p.5)" }, { "from": 6, "to": 45, "label": "The Implications (So What)", "description": "Ten trend chapters with charts/data and 'so what' action titles" }, { "from": 46, "to": 48, "label": "The Action (Now What)", "description": "Conclusion 'No simple transition to bank of 2030' calling for human+machine reconciliation" } ], "loops": [ { "from": 3, "to": 5, "label": "Paradox Resolver", "description": "Frame the central digitization paradox" }, { "from": 6, "to": 8, "label": "Aha Moment", "description": "Reveal that tech enables banking for all" }, { "from": 9, "to": 12, "label": "Paradox Resolver", "description": "Show how regulation creating new risk reshapes industry" }, { "from": 13, "to": 16, "label": "Benchmark Gap", "description": "Argue scale is the winning benchmark" }, { "from": 17, "to": 20, "label": "Pivot", "description": "Pivot from digital-only to AI-personal experiences" }, { "from": 21, "to": 24, "label": "Before After", "description": "Move from siloed product banking to customer-centric model" }, { "from": 25, "to": 28, "label": "Analogy", "description": "Use the spreadsheet analogy to explain GenAI's organisational impact" }, { "from": 29, "to": 33, "label": "Before After", "description": "Reposition GenAI from cost-cutting (waste out) to revenue (value in)" }, { "from": 34, "to": 37, "label": "Why Now", "description": "Argue urgency of moving to open-source architecture" }, { "from": 38, "to": 41, "label": "Pivot", "description": "Pivot from human-written to AI-generated code" }, { "from": 42, "to": 45, "label": "Pre Mortem", "description": "Warn platform providers about disruption risk" }, { "from": 46, "to": 46, "label": "Time Machine", "description": "Project the bank of 2030 and call audience back to today's choice" } ] }