A talk being given at the AMPlify festival in Sydney looking at some possible implications of external trends on financial products. Drawing on combination of future agenda material and additional discussions within and around the financial sector, the focus is on the key emerging shifts across sectors and their potential implications for financial products. After a decade of largely digitising existing processes, right now a host of start ups and large company innovations are looking to use digital to change the experience. Three big external shifts driving change are the redefinition of wealth away from traditional investments, new ageing lifestyles and their different need states and increasing customer / consumer led control and influence. The five associated implications for financial products covered in the talk are: pervasive mobile as the default platform for all; the shift from owning to renting products and the associated financial changes that underpin the end of loans and less need for saving;