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Market Intelligence + Financial Services

Transforming the Global Financial Services Industry with Market Intelligence Solutions: Recent Success Stories

Recently, the financial services sector has witnessed and struggled through a plethora of crippling challenges, and many industry players are yet to recover fully. The 2008 financial crisis took a jarring toll on the industry. As the industry recovered, the COVID-19 pandemic impacted economies worldwide and set the financial services sector far behind in its recovery journey. Over time, investment banking companies, banks, and insurance providers have shifted focus to finding sustainable, comprehensive, and strategic solutions to the challenges posed by the circumstances.

This includes addressing the rising dependence on innovative technologies, changing hygiene protocols, the need for improved operating models, and customers’ changing needs. Industry players also struggle with changing regulatory policies, economic and political unrest, digitization, and increasing competition. Additionally, financial services market players are continually faced with the hurdles of recovering from a crisis. Therefore, financial industry players are now leveraging market intelligence solutions for data-driven insights and strategies to tackle various industry challenges.

The financial services sector has witnessed significant changes lately. Staying a step ahead in a dynamic market is crucial to sustainable growth. To leverage our market intelligence solutions for comprehensive insights into your market and novel strategies, request a free proposal.

What is Market Intelligence?

Market intelligence entails crucial data that can help a company identify growth opportunities and maintain a strategic edge even in the most competitive and complex industries. It involves procuring, analyzing, and strategizing according to industry trends, competitors’ strategies, and achieving a comprehensive understanding of their industry.

Infiniti’s market intelligence solutions have enabled companies to identify ideal market opportunities, develop comprehensive market entry strategies, keep abreast of industry developments, analyze their competitors, and efficiently manage demand and inventory. In the financial services industry, Infiniti’s market intelligence experts have helped companies from various sectors with these functions and assisted companies in addressing the challenges of their specific markets and overcoming every crisis’s impact. To further highlight the crucial role of market intelligence solutions in the financial services market, we have curated the following articles that discuss our recent successes in helping financial industry clients.

Recovering from the pandemic, attempting to enter a new market, or unsure of the next regulatory change? To learn how you can prepare for the complexities of the financial services sector and overcome various hurdles with our market intelligence solutions, speak with our experts.

Entering a New Market and Establishing a Strategic Edge in the US Investment Banking Industry

The 2008 financial crisis 2008 caused lasting ripples in the US investment banking industry and led to the decline of many businesses. As the industry aimed to recover, surviving investment banking companies focus on scaling and identifying more profitable markets. Our client, a European investment bank, sought to expand to the United States, establish themselves as an industry leader, and address other industry challenges. Our market intelligence engagement included identifying the ideal market entry solutions, overcoming barriers to entry, capitalizing on market opportunities, and staying a step ahead of changing regulations. With the insights gained from our engagement, the investment banking industry client successfully grew in the US sector and established themselves among the top companies in their new market. Infiniti’s market intelligence solutions help companies establish themselves in new markets, with a strong and unflinching foundation.

Leveraging Market Intelligence to Enhance Market Share and Expand Business Operations for a Healthcare Insurance Provider

Increasing liability, risks, cost of living, and concern for self and family has led to an increase in the purchase of health insurance, propelling overall growth for the sector. However, the health insurance industry has witnessed various changes in regulations, cost-controlling, and the inability to explore new avenues, which have caused a certain amount of stagnation of growth. A European health insurance provider sought to expand to the US health insurance industry and examine the various channels required to do so efficiently. However, the client faced a sudden surge of challenges, including the rising uncertainty regarding the ACA, the increasing number of communication and marketing channels, and the shift to value-based care. With our comprehensive market intelligence approach, we helped the client understand market developments, healthcare reforms, competitors’ strategies, and potential market entry barriers. The insights gained from our engagement enabled the client to grow their company from one office to 74 offices and enhance their market share by 34%.

To learn more about the role of market intelligence solutions in the financial services industry and how it can help transform your business, request more information.

Maintaining Business Continuity and Recovering from the COVID-19 Pandemic in the US Banking Industry

In 2020, the COVID-19 pandemic has plagued every industry, including the US banking industry. The critical condition of many economies, upsurge in political changes, and restrictions on physical interaction have caused a crisis for banks. A US-based bank sought to address the COVID-19 challenges with a flexible operating model, initiatives to support their employees, increased digitization, new contingency plans for customer plans, and by offering customers with certain scope for due payments. Our market intelligence experts immediately worked on creating a flexible operating model and ensuring business continuity, providing the bank with a comprehensive understanding of their customers, developing customer-centric multichannel operation, and rethinking certain portfolio sections. Our market intelligence solution helped the US banking industry client support their remote working employees, promote personal engagement, launch a new digital platform, address technology gaps, and create a seamless customer experience. Infiniti’s market intelligence solutions help banking industry clients and their customers recover from the COVID-19 pandemic with structured and unparalleled strategies.

ATM managed services

ATM Managed Services Provider Identifies New Technologies to Enhance User Experience and Adapt to the ‘New Normal in Banking’ |Infiniti’s Market Intelligence Success Story

Engagement summary

Digital transformations in the ATM (Automated Teller Machine) managed services is a highly challenging milestone. However, it is paramount to embrace advanced digital technologies in ATMs to enhance user experience, increase usage, and ultimately survive amid cut-throat market competition. To analyze the market and adapt to such changing trends, a prominent player in the ATM managed services sector approached Infiniti to leverage its expertise in custom market intelligence. They primarily wanted to understand the key technological developments in the ATM managed services market across different regions, gauge customer expectations, and analyze how their key competitors are responding to the dynamic customer demands. Additionally, our industry experts were tasked with helping the client understand and strategize for the impact of COVID-19 on the use of ATMs and banking as a whole. The engagement was carried out in three phases over 12 weeks and resulted in the successful redesigning of the client’s existing operations to align with customer expectations, ultimately giving them a competitive advantage in the market.

Client profile

 The client is a multinational financial and retail technology company based in the EMEA region. The company specializes in the sale, manufacture, installation, and service of self-service transaction systems, POS terminals, and physical security products for global markets.

ATM Managed Services Market: Business Challenges Faced by The Client

Technological advancements are enabling ATMs to transform from being a mere cash dispensing machine to a highly personalized and improved communication channel between banks and customers. Financial institutions can gain big from these channel transformations as deploying more integrated, and value-added services can reinforce operational efficiencies and improve customer loyalty. But in most cases, adapting to digital transformations is easier said than done.

The client faced challenges in staying updated with the latest trends in the ATM managed services market and incorporating them into its business. However, additional investments into technology meant added costs on the financial institutions and for the maintenance of ATMs. This was especially a challenge for their business in the APAC region with several regional competitors in the market offering services at low profit margins. As such, the client wanted to identify cost-effective technology trends in the market that they can capitalize on. They also aimed to deliver greater value propositions through enhanced customer experience and reduced ATM fraud.

Another key challenge faced by the client was the increasing competition from digital payment channels. Notably, easy access to the internet, increased smartphone use, and the introduction of multiple e-wallets coupled with supportive government initiatives around digitalization and the COVID-19 crisis have compelled users to adopt digital payment channels to carry out transactions. This increasing adoption of digital payment channels was reducing the usage of cash which in turn affected the usage of ATMs and ultimately ATM managed services.

Infiniti’s Approach

The engagement took the course of a sequential approach that involves three key phases:

Infiniti’s custom market intelligence experts addressed the client key concerns through a thorough analysis of market factors and trends that had a direct impact on the client’s business, enabling the client to understand the gaps to be covered. A market segmentation study was undertaken for a region-wise study of the ATM managed services market. Through this, the client was provided with critical insights on the most attractive markets with lucrative opportunities to capitalize on within each of these markets. Experts at Infiniti proposed North America and APAC as the ideal markets for the client to expand their investments.  China, India, Japan, and South Korea were identified as the key markets to focus on in the APAC region.

An in-depth competitor analysis also highlighted key competitors of the client in each of these markets, product offerings to cater to changing customer demands, their key strategies and competitor best practices for customer journey deployment, and managed services offered by top market players. The client leveraged these insights for a SWOT analysis of each of their key competitors to gauge how their offerings compared to that of key market players.

The client also leveraged Infiniti’s market trend analysis to gauge the most feasible technological innovations on which they can invest and create a competitive advantage in the market.   

Key recommendations

Through the engagement, some of the key recommendations given by our industry experts to the ATM managed services client include:

  • Focusing on service offering and investments in the US, Canada, and APAC will help the ATM services provider increase share in the market
  • Key services that are currently highly in-demand in the market include ATM network monitoring, virus and malware protection, encryption services, anti-skimming solutions, and compliance. The client must expand their capabilities in these services to gain a competitive advantage in the market.
  • The client can reduce operational and maintenance cost by offering new and innovative services such as cash recycling, OTP-based cash withdrawal, and loan payments through teller machines.

For more detailed industry expert recommendations, request a FREE proposal

Business Impact for the ATM Managed Services Provider

The custom market intelligence helped the client identify critical gaps in their service offerings in contrast with the key market competitors. Other business outcomes obtained by the client include:

  • Reduced operational costs by 20% by adopting innovative and cost-effective services as recommended by our industry experts.
  • Invested into new and lucrative markets based on region-wise strategic recommendations to gain a competitive edge obtained through the engagement
  • Recorded 2X increase in ATM usage and increased customer engagement by incorporating additional value-added services that are convenient and support superior cybersecurity measures.

For more insights into the ATM managed services market, get in touch with an industry expert

Banking industry

Covid-19: Potential Implications for Companies in the Banking Industry

The coronavirus outbreak is causing widespread concern and economic hardship for businesses worldwide and the banking industry is hardly an exception. China has been worst hit, followed by Europe and the United States of America. While the duration and future impact of the coronavirus outbreak remains uncertain, major banking companies have already adopted business continuity plans such as establishing a central task force, suspending large-scale gatherings, and making arrangements for teleworking. However, these basic steps and actions can no longer help banking companies to maintain profitability and smoothly run their operations. For banking companies, enforcing a sound business continuity plan is the key to survive through these tough times and emerge stronger in the future. To help save your business from the ongoing crisis, our market research experts have outlined the strategies for banking companies to respond to the coronavirus crisis.

Covid-19 pandemic is impacting the banking industry in multiple ways, from workforce and business continuity issues to the client service considerations. Our market intelligence experts can help you to create strategic plans to combat the covid-19 challenges with resilience. Request a FREE proposal here.

Banking Industry: Practical Steps for Responding to the Coronavirus Crisis

Normalize workforce measures

Labor shortage issues in the banking industry are putting high pressure on business leaders to run operations smoothly. This further results in greater delays and subsequently, customer dissatisfaction. Today, major banks have adopted proactive measures such as emphasizing workplace hygiene and offering alternative ways of working, but banks will need to make sure that the measures they have taken are designed to get the best out of their employees while preserving their mental and financial well-being. These involve ensuring deep cleaning of all branches, identifying infected individuals, ensuring continuity of main services with minimal staffs, and monitoring customer service capacity against need.

In cases of trading activities, execution is becoming difficult for companies in the banking industry owing to constraints in working remotely because of technology and compliance requirements. To tackle this challenge, some banks have segregated employees and activated business continuity plan sites. However, in the case of this prolonged crisis, banking companies will need to take backup plans that include the potential to move immediately to a work-from-home model. Also, banks should train segments of employees for whom working remotely is possible for the new working environment. Subsequently, companies in the banking industry must make sure that both employee relations and internal technical support are sufficiently staffed and trained to accommodate elevated levels of business. Besides, companies in the banking industry must consult with risk management service providers to employ risk management strategies.

Analyzing and combating business risks is not an overnight task, it requires proper planning and execution. With over 15 years of experience in devising risk management strategies for organizations across various sector, we can help you to create an ideal business risk management framework for your organization. Contact us here.

Provide essential banking services to retail customers

At this critical time, people especially the old generation who are less likely to adopt digital channels, will need essential banking services such as ATM operations to fulfill their daily needs. So, banks must ensure to continue branch and ATM operations, without compromising the safety of employees. Besides, banks must continually assess consumer demand for in-person services and adjust capacity accordingly. For instance, Chinese government adopted strategies like providing limited services to customers, other than ATM access. Besides, banks in Hong Kong, Italy, and Germany have reduced working hours and are operating with minimal staffs.

At the same time, companies in the banking industry must try to encourage customers to leverage digital channels for banking needs. This can be done by increasing the limit of online activities and providing tutorials online. However, a shift to digital banking may increase fraud and information security risks for companies in the banking industry. Therefore, banking companies should consider implementing risk management strategies before the widespread adoption of digital banking services.

Support households and businesses with credit

As individuals and businesses who are already in debt are more likely to be financially impacted by the quarantine measures and lack of employment, companies in the banking industry should support their liquidity needs through credits. From a credit perspective, banks must identify sectors that are highly affected by the coronavirus outbreak and offer supports. This can be done by engaging with clients to understand their issues, segmenting customers based on their needs, and adjusting risk mitigation actions accordingly.

The impact of covid-19 on supply chain operations have been dramatic, compelling major businesses to draw on credit lines to support working capital and stockpile cash. Consequently, adopting strong internal liquidity-management practices will be required for banks to effectively support market liquidity and changing customer borrowing needs. Besides, companies in the banking industry should stay vigilant about liquidity measures to support their customers. In addition to this, banking companies should focus on business continuity planning, rethink balance sheet challenges while managing loan, find ways to trim costs and replot the post-covid-19 strategy.

Want to understand the potential impacts of the covid-19 pandemic on your organization? Request more info and our experts will get in touch with you with comprehensive insights.

Banking industry

Coping with emerging trends in retail banking 2020

Although many have predicted the doom of traditional retail banking with the rise of new entrants especially in fintech that focuses on superior customer experience, we believe that traditional banking companies still have a bright future. The emerging trends in retail banking such as AI and RPA are aimed at enhancing customer experience and matching performance with that of innovators in the banking industry. Apart from these, we can also expect several transformations in the approach and operations of banking companies. Infiniti Research has worked with dozens of banking companies across the globe and played a pivotal role in helping them to adopt agile business strategies to survive the dynamic market conditions. Based on our observations and expertise, here are some of the emerging retail banking trends that players need to be prepared for in 2020.

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Emerging trends in retail banking 2020

Emerging trends in retail banking

Reorganizing around customers rather than products or channels


In 2020, an interesting emerging trend in retail banking that we can expect to see is that banks will gradually move their focus away from products and services and begin organizing themselves around creating exceptional customer experiences. They will aim to develop the ability to view customers as a single unit by recognizing their uniqueness and tailoring offerings to suit their needs rather than being ‘pushy’ to buy banking products or avail different services.

The growth of social media

Social media is not just one of the emerging trends in retail banking, but it has become widely popular across industries. In 2020 and beyond, retail banking companies will embrace social media platforms as a primary source to connect, engage, inform, and understand their customers. It is also expected to become an important platform where customers research banking products/ services and make a purchase decision. Mastering social media capabilities will be a core competency for retail banking companies to cope with the emerging trends in retail banking.

As the pace of change is increasing in the retail banking space, companies must ensure that they are well positioned to align with the emerging trends in retail banking. Get in touch with an expert to learn how we can help you stay updated and cope with the retail banking trends.

Cybersecurity in building customer trust

Security of transactions is one of the most crucial factors that banking customers consider while choosing their banking partner. To avoid cybersecurity glitches that have occurred in the past, we can expect to see several top banking companies investing heavily into preventing cyber-attacks. This year onwards, you can expect to see leading banks develop cyber-security strategies that are aligned with their business objectives, risk-management protocols, and regulatory requirements. Since several retail banking companies lack the ability to tackle this issue, they might partner with third-parties to provide cyber-security assistance.

Two factor authorization to become common in transaction authorization

Although biometrics is believed to be unique, it can often be replicated and can result in fraud. As a result, two factor authentications will soon become mandatory and one of the most notable emerging trends in  retail banking industry. This means though retail banks will allow fingerprint or voice recognition in transaction authorization, it will remain tied to a replaceable physical device such as a smartphone.

Know more about our services for companies in the retail banking sector.

Investment banking industry

An Overview of the Top Investment Banking Industry Challenges

The investment banking industry is on a new wave of change and transformation. As the financial services sector is still recovering from the global economic crisis, investment banking companies in the US are still struggling to regain their former levels of profitability. As a result, several major players in the US investment banking industry have announced their plans to move from traditional underwriting business to other activities including mergers, acquisitions advisory, and fundraising. This change has been largely fueled by recent regulatory changes that have made some investment banking activities more expensive than the others. Furthermore, the rising need for sophisticated in-house applications, innovative customer-facing portals, and higher transparency and security across the board mean that companies in the investment banking industry are faced with substantial pressure on all fronts. This blog covers some of the major challenges facing companies in the investment banking industry right now.

We help our investment banking industry clients to deal with changing operating model structures, business and finance transformations, and evolving customer expectations that redefine business operations. Request a free proposal for more insights.

Investment banking industry challenges

Investment banking industryRoadblocks in cost reduction efforts

Companies in the investment banking industry have been constantly pursuing strategies to achieve sustainable cost efficiency. However, several factors including declining revenues, excessive costs, and developments in digital and regulatory pressure have increased challenges for investment banking companies in the US, making it incredibly difficult to achieve cost reductions. Leaders in the investment banking industry who are seeking sustainable cost reductions should strive to strike a balance between optimizing the existing core activities while investing in new engagements.

Enhancing client experience

Customer-centric experiences in B2C business models are shaping client expectations in the B2B realm as well. As a result, investment banking industry companies are finding it difficult to meet these changing client demands and expectations. Investment banking companies can begin by assessing the existing client experience and mapping out the client experience standards that they want to deliver to identify necessary changes that could be made to their delivery channels and feedback and monitoring mechanisms.

Reimagine how your business profits are generated and transform your client experience with our advanced solutions. Get in touch with our experts to know more about our solutions.

Cybersecurity

Cyber-threats are rising at an unprecedented rate and legacy technology have become a risk factor. They are more prone to unpatched vulnerabilities and create compatibility issues in M&A situations. Furthermore, there were several mergers and acquisitions in the recent times as banks sought to consolidate their protection under the law. But often the legacy infrastructure acquired by a bank through M&A activity is not up-to-date and features extensive vulnerabilities that create additional fire-fighting challenges for IT teams of companies in the investment banking industry.

Talent acquisition

Companies in the investment banking industry are still struggling to retain top talent despite introducing new measures such as faster promotions in a bid to attract employees. One of the prime reasons for this is that young professionals are finding themselves more drawn to alternative sectors such as technology or innovative start-ups. Moreover, the fact that the lifestyle of an investment banker is typically associated with long hours and tight deadlines is also part of this permanent trend. Investment banking companies must identify effective ways to attract and retain talent in their organization.

Learn how we help companies in the investment banking industry to drive disruption.

Commercial Banking Trends

Trend Watch: Top Commercial Banking Trends 2019

Currently, there is intense competition for the wallet share in the commercial banking sector. This is primarily because unlike retail banks that rely on a single firm to handle financial needs, corporate clients often maintain relationships with several banks. Moreover, the expectations of commercial banking customers are unprecedently high due to which innovators such as fintech are threatening to grab the most profitable commercial banking segments. This makes it imperative for players in this sector to be on par with all the latest commercial banking trends and enhance the way they serve clients. Several forward-thinking players in the commercial banking space have already begun adopt key commercial banking trends and integrate their systems with that of their clients in order to extract deep customer insights. The key to remaining competitive for commercial banking companies is to be cognizant of developments internally and externally.

Securing the top position in the market can be challenging, but not impossible. Request a free proposal to know how we provide clients with solutions that cater to their specific business challenges.

Commercial banking trends 2019

Commercial Banking TrendsBolstering customer experience with digital transformation

Banks make more profits from corporate customers when compared to retail customers. However, many commercial banks have failed to upgrade their archaic legacy systems and manually-intensive processes. Digital disruptions are slowing making their way into the commercial banking sector. Taking cue from the retail sectors, top companies in the commercial banking industry are investing in digital transformations to facilitate exceptional customer experiences. This is one of the biggest commercial banking trends right now that would propagate better customer experiences for commercial banking companies.

Collaborations to interlink value chains

When compared to retail banking, the commercial banking sector is relatively behind in terms of digital revolution. Corporate customers expect their banks to provide facilities such as real-time access to banking services. To make this a reality, commercial banking companies are looking at options to collaborate with these corporations and interlink their value chains. Such commercial banking trends will see rapid growth this year with several players already starting to develop customized solutions that can connect directly to consumers.

Innovation and disruption will not only transform how established commercial banks need to service their clients, but it will also evolve what clients come to expect. Get in touch with our experts to know how Infiniti helps banking sector clients stay updated on the latest commerical banking trends.

The rise in the use of AI

There has been a considerable rise in the amount of structured data collected by banks over the last few years. The use of both structured and unstructured data has been driving strategic and operational business decisions. As a result, the use of machine learning and artificial intelligence capabilities are becoming the most sought after commercial banking trends. These capabilities would help commercial banking companies to provide superior customer experience and minimize pain points for corporate clients.

Gain more insights on commercial banking trends and learn more about Infiniti’s solutions for the commercial banking sector.

3 Key Financial Services Industry Trends That are Expected to Bring Significant Changes in 2019

The financial services industry is, undoubtedly, evolving rapidly all around the globe. But whether you think about regulations, shifts in technology, or global events, the changes can be dizzying. From the smallest community institutions to the largest multinational firms, it’s time to rework on plans for everyone because what has led to success until now may not work as well in the future. With the Brexit deadline fast approaching, the financial services industry is expected to face mounting risks from potential asset-price bubbles. Moreover, for both small and large financial firms, it is time to focus on scenario planning as 2019 can be a volatile year. Today, with the rapidly changing technologies and financial services industry trends, companies must be adept at becoming agile and boost visibility in the marketplace. In this article, we have talked about some of the major financial industry trends that companies must follow to stay vigilant and make the most of opportunities that arise in 2019.

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Fast Forward: Technology Trends That Will Transform the Future of Banking

The future of banking will be considerably different from what we see now. Today, fintech firms are capturing more of the retail banking’s value chain, providing services such as payments, checking, and even savings accounts that could erode the traditional bank’s revenues to a large extent in the foreseeable future. This is prompting several retail banking companies to contemplate over the options to step-up their services and move to platforms that gives a “more digital” experience to the customers. Customer behaviors and expectations are quickly shifting to more personalized and instantaneous services that are provided preferably on their mobile devices. Modern retail banking customers don’t prefer to eliminate processes such as having to go to branches to get a banking-related work done. Rather, they want financial information and the ability to transact at their fingertips. Let’s take a look at some of the top trends that will revolutionize the future of banking.Get More Info

Future of banking

Upgraded ATMs

Advanced ATMs are one of the largest tech trends in retail banking that has revolutionized the whole banking system since their inception in 1967. The future of banking is expected to witness contactless payments in ATMs. Customers will be able to conduct contactless ATM transactions using a smartphone. Several innovations in this space have already been implemented; for instance, the iris recognition used at Qatar National Bank ATMs and biometric authentication has already been implemented in many ATMs in India. These technologies enhance retail banking security and prevent hacking and such illegal practices.

Wearables in banking

Wearable technology is all poised to go mainstream in the future of banking. Smart watches could be used in retail banking to push personal greetings to customers through Bluetooth beacons when they enter a bank’s location. Smart-glasses for bank tellers is also an innovation that is being considered for implementation. This can be used to process customer banking information for the employee as the employee is simultaneously doing other customer service tasks.

Use of extended reality

Extended reality refers to all real-and-virtual combined environments and interactions of human-machines that are generated by computer technology or wearables. This includes augmented reality (AR), virtual reality(VR), and mixed reality (MR). Using these technologies could help create more meaningful customer engagements and also enhanced workforce performance. For instance, South Korea’s Hana Bank is delivering mobile mortgages to customers via augmented-reality applications on their phone. Such practices build immersive and engaging experiences for customers, also making banking less of a chore in the minds of customers.cta ir

In-store style experience

Imagine entering into a bank and getting the feel of being inside an Apple store. That’s exactly what the future of banking will look like. It is now possible to easily transact through banking apps or locate the nearest ATMs. So, the only way retail banking companies can increase their walk-ins, in the long run, is by providing top-notch in-store experiences to customers. There will be more facilities inside banks to direct customers to interact with tech kiosks for some transactions. Reserving person-to-person interaction for answering questions or addressing needs that are unique to the individual consumer is another facility that banks seek to provide its customers in the future.


How are Infiniti Research’s solutions helping banking companies to stay updated with the latest market trends and mold their strategies to meet the changing market dynamics? Request a solution demo to find out

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