Financial industries recent turbulence has seen a significant shift in its business landscape. Regulatory reforms, more stringent capital requirements, risk management considerations, disruptive technologies, a low interest rate environment, enhanced reporting requirements and other issues means that a return to growth will be as challenging as ever. These changes to the market present a significant challenge as well as a significant opportunity for the financial services industry. Sophisticated strategies and solutions will be required for financial institutions to gain a competitive edge. A carefully balanced solution will be important for long-term, sustained growth; it will help companies outperform their competitors and potentially achieve a premium, recognized by the capital markets.