Truth | Page 3

A REVOLUTION IS UNDER WAY Adapting to change is fundamental for any business, and for the financial services industry in 2015 this must resonate deeply. A revolution is under way. Tech start-ups, outlaw innovators and new category players are disrupting the traditional banking sector with radical new approaches to handling, lending, exchanging and transferring money. Unrestrained by regulation, history and big brand responsibility, they have the freedom to be small and nimble, creative and challenging to the establishment whilst representing consumers’ evolving needs and wants. 3 PR ES E N T A N D P O T E N T IA L F UTURE S IN F IN A N CIA L SE RV ICES