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CUSTOMERS BENEFIT FROM INDUSTRY SHIFTS 
How the Financial Services and Pharmaceutical industries are innovating and evolving 
INSTITUTION INSTITUTION INSTITUTION 
EMPOWERMENT 
Greater access to relevant data 
ADVISOR/DOCTOR CLIENT/PATIENT 
TECHNOLOGY DATA CONTEXT SENSE & RESPOND 
Financial 
Pharma Services 
PROFESSIONAL CONTROLLED 
“Brokered” access 
dilutes trust and value 
INFORMED CONSUMER 
"Selected” access, yet 
poorly connected channels 
CONSUMER DIRECTED 
“Full” access, delivered 
seamlessly across multiple 
data-enabled channels 
SHIFT OF TRUST 
More reliance on social proof 
REGULATIONS DATA 
CLIENT/PATIENT ADVISOR/DOCTOR 
REGULATIONS DATA 
REGULATIONS 
DATA 
ADVISOR/ 
DOCTOR 
EXPERIENCE ENABLEMENT TIMELINE 
Probable 
Possible 
Plausible 
Pharma 
Predictive 
diagnostics 
HIT enabled 
treatment plans 
Real-time 
health monitoring 
Personalized 
medicine 
Financial Services 
Crowd-sourced 
identity 
Distributed 
currency systems 
Open APIs 
Open source 
hardware & apps 
CLIENT/ 
PATIENT

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