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      "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",
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      "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",
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      "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",
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      "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.",
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      "text": "Stay connected\nwww.accenture.com/banking\nwww.accenture.com/bankingtrends\nhttps://bankingblog.accenture.com/",
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