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  "documentTitle": "Crossing the lines Fintech",
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  "notes": "The slide is part of a PwC Global Fintech Report 2019. It introduces a framework of four growth areas (digital, workforce transformation, deals, and risk/regulation), though only 'Digital' is detailed on this page.",
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      "text": "As gaps between leaders and laggards grow, FS and TMT businesses need to move quickly if they're going to capitalise on fintech's potential and avoid being marginalised.",
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      "text": "Priorities: Digital advances have the potential to revolutionise capabilities and open up new markets. Robo-advice, for instance, highlights the evolving customer offer because it paves the way for customised investment solutions for mass-market consumers that used to be available only to high-net-worth clients.",
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      "text": "Challenges: Translating opportunity into successful execution is difficult. Most tech developments are still stuck in the lab. For example, despite executives citing AI as the technology that's most or second most likely to transform financial services (in FS and TMT, respectively), fewer than 40% of executives surveyed have moved AI projects beyond the pilot stage into implementation.",
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      "text": "Recognising the different starting points and what is likely to be a triangular play among TMT, fintech and established FS companies, here's how firms can get up to speed across four key growth areas: digital, workforce transformation, deals and risk and regulation.",
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      "text": "Capitalising on these and other fintech-enabled commercial openings requires the ability to leverage technology in new, personalised and real-time offers. Success also demands a clear understanding of customer expectations. Customers need to trust the technology, think that it offers better value for their money than current products and services, and believe that the institution will use their data responsibly.",
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