Banks and Building Societies
Consumers are taking their money and going home — in some cases, literally. Near-zero interest rates, high profile bank failures and successive government bail-outs have unnerved savers and left many people wondering: "Does it make more sense to stash cash under a mattress than in a bank account?" In this environment, customers need be reassured not just that their financial institution is financially secure, but also that it’s also worthy of their trust –– and genuinely interested in helping them secure a better financial future. 
Independent Financial Advisers
The events of 2008 have shaken the foundations of investment advice to the core. With tumbling markets and massive losses, financial advisers are taking a hard look in the mirror – and many don’t like what they see. Increasingly, risk profiling, stochastic modeling, investment research and other tools of the trade are being viewed as less than fit for purpose. And with investors on the run or, at best, in denial, financial professionals must find new ways to deliver value beyond guessing at future potential returns.
Pension Scheme Providers
The economic woes and faltering stock markets of 2008 have caused major problems for pension scheme providers and advisers. Assets under management are down due to failing account values, increased withdrawals, and reduced or eliminated participant contributions. And the trend is likely to continue, meaning that more and more Briton’s retirement savings will be put at risk as final salary schemes close to new and possibly current members. To restore consumer confidence, stakeholders in the pensions industry must offer more than just the latest account balance and fund descriptions provided by generic pension packages.
