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      "text": "46% of large banks with >US$500b in deposits anticipate a direct impact on 41-50% of their respective workforces in the back office, up from 38% of small banks with <US$50b.",
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      "text": "46% of large banks with >US$500b in deposits anticipate a direct impact on 41-50% of their respective workforces in the back office, up from 38% of small banks with <US$50b. The front office will be especially impacted over longer timelines; while only <40% of banks anticipate >20% in cost savings or productivity enhancements in the front office in less than five years, >60% anticipate that level of impact in less than five years. Even in the longer-term outlook of less than five years, fewer than than 20% of banks across all segments see >40% impact to workforce, productivity or cost.",
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