Segment Trends
The retail investment sector is facing numerous internal and external forces that are driving the need for change. Some of the key trends we are seeing in the market are:
Retail Distribution and Advice
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Retail Investments
Retail investments is a thriving sector, with a wide range of market participants all looking to capture the customer balance sheet. Firms are looking at where and how they participate in the value chain, understanding the service offerings and delivery mechanisms required to attract and engage the customer. A significant financial education and engagement gap remains, presenting opportunities for organisations to better serve those needs in the future. Financial ‘advice’ experiences will evolve as digital and integrated propositions transform how customers are supported in the future.
Convergence
Multiple market players are all looking to support the customer either direct or through intermediaries with competition spanning workplace, banks, advisers and platforms.
Consolidation
Ongoing acquisitions and investments in the retail market will continue with a renewed focus on integrating and transforming firms for future growth.
Optimisation
The market remains ripe for delivering efficiency and optimisation with opportunities to reduce the cost to serve throughout the value chain.
Customer
Organisations will need to improve how they attract and retain retail customers with a focus on improving experiences and journeys vs products and investments.
Value
Regulatory driven change such as the Consumer Duty and ESG rules are setting higher expectations around delivering on customer outcomes and providing fair value.
How we support our clients
Alpha provides experienced teams with a mixture of consulting and industry expertise to help organisations solve their most complex challenges and support growth and value creation in their business.
Typical Client Challenges
- Establishing a market participation strategy.
- Redesigning the target operating model.
- Delivering enterprise-wide transformation.
- Embedding technology enabled transformation.
- Driving marketing winning distribution transformation.
- Delivering digital solutions across the organisation.
- Managing risk and regulation effectively.
- Redesigning the customer and client experience.
- Designing attractive propositions.
- Delivering effective pre-deal due diligence and extracting value from post-deal integration.
