The financial markets are moving fast, think for example of national and international mergers and takeovers.


  • Extensions of legislation, and introduction of standards creates opportunity in international initiatives and new sale channels.
  • By new technological developments, new market channels, will result in a new flow of competitors.
  • By mergers, takeovers and globalisation, will influence the profits made in de past, that is why the bigger players will have to integrate and optimize their current systems, business processes and sales channels
  • Technology is an important factor, but because of the tremendous quantities, the costs of complex systems keep increasing. The challenge is to stabilise the costs, whilst still innovating.