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The pace of change in retail will only increase. Businesses need to invest in omnichannel, brand, newness and personalisation against the backdrop of the shift to online and the rise of new entrants.

Financial brands across the sector need to transform their organisations to work horizontally, in a joined-up way for the customer, while, in parallel, build a digital capability, redefine people-delivered channels and integrate the on and off-line world.

Private equity companies are having to work harder, respond quickly to rapidly changing market conditions and fully exploit digital and mobile to realise full value from their consumer investments.

Leisure companies are providing a mix of real and virtual leisure experiences to customers who are demanding increasing levels of personalisation and value for money.