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      "text": "Banks and insurers can leverage ecosystems to deliver value to consumers in a number of different ways. These ecosystems should aim to respond to critical \"life moments\" for consumers—for example when they are buying a home or car, starting a family or retiring.",
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      "text": "DBS Bank Ltd in Singapore provides a good example of a strong ecosystem. It recently launched DBS Marketplace for car ownership, a joint venture between the bank and its car-seller partners sgCarMart (SGCM Pte Ltd) and Carro (Trusty Cars Pte Ltd).",
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      "text": "The power of these ecosystems relies heavily on the seamless sharing of customer data to create continuous feedback on consumer needs—allowing providers to develop more relevant and personalized services. Financial services providers should develop and communicate clear guidelines for the sharing of data with ecosystem alliances, vendors and partners—concern about their data being passed on to third parties is one of the two main reasons consumers are reluctant to share data with financial services providers.",
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      "kind": "title",
      "text": "CUSTOMER ATTITUDES AND PREFERENCES: 1: APPETITE FOR INTEGRATED PROPOSITIONS ADDRESSING CORE NEEDS",
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