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Perspective:

Human-centered capitalism

What does the future of financial services hold? We think it’s a higher bottom line.

The bottom line is evolving, and so is our approach to it.

In the future of financial services, the bottom line will no longer be simply a sum total of earnings and losses—it will be much more. It will be the blurred line between greater equality and more shared wealth. The line in the sand drawn by the company that lives and breathes its values rather than just publicizing them. And the line toed by organizations who realize that environmental stewardship isn’t just good for the planet—it’s good for business.

Join us in adopting a more human-centered form of capitalism. And elevate your bottom line until it’s one that truly sets your business apart.

A more inclusive world

Where all the communities will have equal access to financial opportunities

A more educated world

where financial providers will finance the re- and upskilling of America’s workforce, empowering displaced workers to help to drive growth and prosperity in the new, digital economy.

A more sustainable world

where citizens and firms will view financial services players as the leaders in building green, harnessing clean energy, reversing emissions, and adapting to more extreme weather.

A more collaborative world

where incumbent financial services firms, large tech companies, fintech startups, and companies from other industries view each other as allies, collaborators, and partners in serving humanity.

A more profitable financial services industry

where financial institutions will perform their amplified roles without having to make significant trade-offs between profit and positive social impact.

Vision for a higher bottom line

With the future of financial services rapidly taking shape, firms must heed the call to embrace human-centered capitalism by engaging in more direct, personalized, meaningful, and socially responsible ways, leading to:

Financial Services in an Era of Discontinuities

See how the financial services industry is preparing for major changes in the world in 2030, while also identifying emerging opportunities for revenue and profit.

The future of financial services: Forces at work, opportunities in play

As a new human-centered economy emerges, the financial services industry faces a pivotal point in its evolution. Explore the powerful shifts reshaping global business and society in the future of financial services and the major role forward-thinking organizations can play in cultivating a better world without having to make significant trade-offs between profit and social impact.

Shaping the future today

Explore our latest perspectives, analysis, and case studies to see how the industry’s most forward-thinking players are rethinking their products, services, and business models to not just succeed in the human-centered economy of the future, but also help create it.

The profitable solution and the right solution.

In the future of capitalism, they’re the same solution.

Deloitte is committed to being the partner of choice for the most aspirational financial services leaders and organizations as they transform themselves to shape and lead the future of financial services.

Why Deloitte? Our client relationships, ecosystem partnerships, expansive networks, and deep commitment to learning and eminence greatly enhance our ability to play a meaningful role in the emerging human-centered economy. Our practice shares deep knowledge across multiple financial sectors that, in an age of converging industries, is now more valuable than ever. Shaping the future will require imagination, exploration, agility, and shared conviction with our clients. We can’t wait to get started.

The financial services industry is at a pivotal moment. Among other forces, human dynamics are reshaping global business and society, transforming the economy to one no longer led by producers, but by consumers. In a future where firms’ success will be deeply intertwined with their social impact, Deloitte’s financial services industry specialists have the experience and insight to help forward-looking clients lead the way in a human-centered economy. Our comprehensive, integrated services and solutions span banking and capital markets, insurance, investment management, and real estate. Join us in adopting a more human-centered form of capitalism that elevates the bottom line of all stakeholders.

The role of financial services in the economy and society is evolving. The Deloitte Center for Financial Services is dedicated to helping leaders succeed through these changes with data rich, fact-based research that provides timely insights on the most pressing issues facing the industry.

It won’t be enough to keep pace with the digital economy of the future. To truly realize its potential, you have to lead the way. Our Banking & Capital Markets specialists can help by working with you to anticipate challenges, as well as develop and implement strategies that address regulatory reform, technological complexity, competitive dynamics, and the shift toward a higher bottom line.

How do you meet the always-evolving expectations of customers while improving profitability and balancing the demands of regulatory change? Deloitte can help you navigate the rapidly shifting landscape of a human-centered economy. Our multidisciplinary approach brings together specialists in actuarial, risk management, strategy, operations, technology, tax, and audit to do for you what you do for the people and businesses your company insures: give them a future they can feel good about.

A future where more people have broader access to opportunities for greater wealth. It’s the promise of human-centered capitalism, and our investment management industry professionals can help you rise to the occasion. Whether you are in private equity, hedge funds, or mutual funds, we can help.

Deloitte’s US real estate practice can help guide your business into the future of capitalism with a multidisciplinary approach that combines deep knowledge, insight, and a human-centered focus on transformation. We customize our services to fit the specific regional, national, and global needs of owners, operators, investment advisers, property managers, leasing operators, and occupiers. Our services include financial statement and internal control audits; accounting and reporting advisory; taxation; location strategy; finance transformation; and more.

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