Financial services are set for transformation as their role, industry structure and commercial realities are disrupted by the major trends currently reshaping the global economy. Many businesses will be unrecognisable by the end of the decade and the list of market leaderscould be very different assmart and agile players leapfrog slowermoving competitors. Will your business model still be relevantin the new global economy? How can you take advantage ofthe shake-up ahead?

The future may be hard to predict, but need not be hard to prepare for. Insurers are grappling with the tough new business, investment and regulatory environments that are emerging from the financial crisis.

Following the package of measures approved by the Financial Stability Board (FSB) to address the "Too big too fail" (TBTF) problem, at the Cannes Summit on November 4 2011, the G-20 endorsed a comprehensive framework to reduce the risks posed by Systemically Important Financial Institutions (SIFIs).

Sharing Deal Insight provides perspectives on the latest trends and future developments in the financial services M&A market. In this edition, we look at what the mixed picture we have seen in the M&A market in recent months tells us about what to expect in the year ahead.

PwC has joined forces with the Centre for the Study of Financial Innovation (CSFI) to explore what risks bankers worldwide are facing in the current climate and how they prioritise them.

The new digital tipping point Banking survey: Driving customer value through digital

This is a summary of the findings on talent availability, deployment and management in the financial services sector, based on interviews with 368 financial services CEOs (121 from insurance, 125 from asset management and 122 from banking and capital markets) in 52 countries.