Audit and assurance services for the financial services industry

For banking and capital markets, blockchain is transforming multibank cross-border payment networks with tokenized currency set to become the main digital cash instruments. By 2030, Deloitte projects one in four large-value international transfers will settle on these platforms, cutting transaction costs by 12.5% and saving businesses more than $50 billion.¹

With this evolving change comes the challenge of maintaining effective governance, controls, and regulatory compliance to confirm new technologies are used responsibly. We work with banks to assess the operational impact of shifting transaction flows to blockchain exchanges and develop value-added services, backed by a strong governance framework, to maintain and multiply corporate relationships.

Wherever you operate, Deloitte puts global resources and regulatory insight on your side, providing insights so you can anticipate change and maximize opportunity in banking and capital markets for: 

• Accounting and reporting
• Control services
• Financial statement audits
• Finance transformation
• Sustainability strategy

End Notes


1 Deloitte, FSI Predictions 2025.

Fintech is one of the most dynamic and complex areas within financial services, encompassing everything from digital banking and payments to insurtech, proptech, lending platforms, wealthtech, and more. As boundaries between subsectors blur and technology accelerates, fintech continues to set the pace for innovation and industry transformation.

Thriving in this environment means balancing bold innovation with smart business strategy, navigating everything from accounting to sustainability initiatives. With a wealth of experience serving the fintech sector, and a shared passion for innovation, Deloitte’s Audit & Assurance professionals can advise you through opportunities and challenges throughout your company’s growth across our services, including:

• Accounting and reporting

• Risk and compliance

• Mergers and acquisitions (M&A) 

• Initial public offerings (IPOs)

• Special purpose acquisition companies (SPACs)

• Sustainability

Insurance carriers today face an increasingly turbulent market, from regulatory demands such as IFRS 17, to ongoing pressures related to IT security, controls, and talent management. In this dynamic landscape, working with trusted audit and assurance professionals means gaining support that’s equipped for today’s complex environment.

Deloitte’s suite of Audit & Assurance offerings can address a spectrum of insurance challenges. Whether managing financial statement audits, guiding IPOs and SPAC mergers, meeting sustainability and reporting standards, or adapting to new business models, we can deliver reliable, high-quality services tailored to your needs, including emerging needs driven by AI adoption.

• AI and fee-based risk management: Property and casualty (P&C) insurers are using AI to launch fee-based risk management services built on a “predict and prevent” model to drive growth and protect clients from climate-related risks. With US P&C fee revenues expected to rise from $21.6B in 2023 to $49.5B by 2030, insurers should invest in more advanced predict-and-prevent solutions and effective AI risk governance.²
• AI for fraud detection: AI-powered multimodal technologies are set to enhance fraud detection in the P&C insurance sector, potentially saving between $80 billion and $160 billion by 2032. With AI’s ability to analyze text, images, audio, and sensor data, insurers can spot patterns and anomalies faster. To fully realize these savings and manage risks, combining AI with human oversight will be important for strengthening fraud prevention. 

End Notes


2 Ibid

Investment management firms are navigating a landscape of fast-moving competition, new regulations, and evolving technology, all while striving to attract and retain top talent. To guide clients through these industry complexities, we leverage our global network to bring together knowledgeable professionals with experience in meeting similar challenges.

Deloitte’s team of professionals guides you through every corner of the investment management world, from traditional and alternative asset managers to private equity, business development companies, and family offices. Our broad suite of Audit & Assurance services—spanning financial statement audits, technical accounting, finance transformation, controls, and sustainability compliance—keeps clients prepared for what’s next, including emerging areas such as:

• AI for active ETF management: The shift from mutual funds to active exchange-traded funds (ETFs) is gaining momentum as investors seek greater transparency, flexibility, and value. AI-powered investment platforms now offer the benefits of advisor-led strategies with fewer trade-offs. As US active ETF assets are set to surge from $856 billion in 2024 to $11 trillion by 2035, investment managers can consider expanding active EFT offerings and build effective authorized participant networks and governance frameworks to capture this growth.

Real estate companies are navigating transformational shifts in how properties are used, valued, and transacted. Leaders are rethinking talent strategies, tapping into technology to spark innovation and efficiency, and responding to rising demands for transparency and sustainability.

Deloitte’s portfolio of Audit & Assurance services continues to evolve alongside these shifts, serving clients from owners to proptech firms across every asset class from industrial to hospitality. Whether it’s financial statement audits, accounting and reporting guidance, controls advice, or sustainability services, our team can deliver industry-leading capabilities tailored for real estate’s dynamic landscape, including emerging areas such as:

• Tokenization and fractional real estate ownership: Tokenization uses blockchain to break properties into digital shares, opening the door to secure online trading and greater liquidity. From private real estate funds to undeveloped projects, tokenized ownership is democratizing access and reshaping investment. With this market predicted to climb from under $0.3 trillion in 2024 to $4 trillion by 2034, firms that tackle legal, regulatory, and technical hurdles now will be primed for tomorrow’s opportunities.