Gradually,
then suddenly

The fundamentals of our sector are about to be transformed by advances in technology and the cost, customer experience and efficiency benefits these will drive.

'You would say that', you might think. 'In fact, you've been saying it for a while. Why should we believe you now?' Well, change has a habit of creeping up on us. As Hemingway's character responded when asked how he went bankrupt: 'Two ways. Gradually, then suddenly.'

Over the next few years, the significant dynamics that have been bubbling away for some time will converge to suddenly transform our market beyond recognition – creating opportunity and jeopardy in equal measure.

In this paper, we'll set out our key predictions for this new era in a bit more detail – and explore what it might mean for you…