The Currency of Collision

Turning financial services disruption to your advantage

Disruption presents a c. £100bn opportunity to those financial services businesses who can take advantage of emerging technologies, react to new customer demands and navigate changing regulation. Are you ready for the challenge? #DisruptionAdvantage

See disruption differently

Turning financial services disruption to your advantage means thinking about it in a new way. Disruption is not a single event or trend. It happens when different forces collide - when customer appetite for change meets the right enablers: technology, regulation, funding, ease of switching and talent. Macro trends also play a role in driving disruption, such as the impact of climate change on regulation and customer demand for insurance products.

Our latest report 'How to harness 'disruption'' takes a closer look at who is best placed to reap the benefits of disruption. While incumbents enjoy strong competitive advantages due to their trusted brands, lasting success may require partnering with innovative new entrants or adjacent players in new ecosystems. We believe there are roles for all industry player types in a disrupted market and have outlined them in our sector reports. Find out why we feel collaboration is key in the Currency of Collision.

Explore our view of disruption across the financial services landscape and what this means for you in our interactive tool

We've mapped the relative customer appetite for new products and services against the relative maturity of enablers across a range of sub-sectors. From this, a picture emerges of where disruption is most likely to occur.

To find the opportunities most relevant to your sector, use the filter options to the side of the grid and select your player type to see where you have the greatest relative competitive advantage. By clicking on a pin, you can discover the story behind the opportunity and where to look next.

Player type filters
Click pins to explore disruption in each sub-sector
Relative competitive advantage Low Medium Hig h Monitor for changes in appetite or enabler maturity o D Improve value to increase appetite C Respond to ongoing distruption B Prepare for expected disruption A High Low Low High Enabler maturity Customer appetite Large corporate lending and transactions Market facilitation SME lending and transactions High net worth investments Life insurance Personal general insurance Personal transactions Retail Investments Institutional investments SME insurance Large corporate insurance Personal lending
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Start turning disruption to your advantage: Get in touch with our experts to explore your response to the currency of collision

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Contact us

Alan Gemes

PwC Strategy& Partner, PwC United Kingdom

Tel: +44 (0)20 7212 5265

Mark Leaver

UK Financial Services Technology Leader, PwC United Kingdom

Tel: +44 (0)7711 495043

James Cousins

Strategy& Director, PwC United Kingdom

Alanna Attwood

Financial Services Disruption and Innovation Lead, PwC United Kingdom