PLCM-DD-FS

1. Challenges

1.1. Revenue Pressures

1.1.1. Low interest rates

1.1.1.1. unfortunate impact

1.1.2. Regulatory changes

1.1.2.1. Compliance

1.1.2.1.1. Why

1.1.2.1.2. How

1.2. Changing customer

1.2.1. Face of the new customer

1.2.1.1. Digitally connected

1.2.1.2. Highly informed

1.2.1.3. More Demanding

1.2.1.3.1. Highly personalized approach to

1.2.1.3.2. Expectations

1.2.1.4. Less trusting

1.2.1.4.1. Financial crisis eroded customer trust across the entire industry

1.2.2. Imperative

1.2.2.1. Restore customer and market trust

1.2.2.1.1. Create business models that capitalize on

1.2.3. Focus

1.2.3.1. Customer Centricity

1.2.3.1.1. Listen

1.2.3.1.2. Move to center of customer's economic life

1.2.3.2. Create your own world to connect better

1.2.3.2.1. Context

1.2.3.2.2. Benefit

1.2.3.2.3. How

1.2.3.2.4. Ecosystems