The future of financial services in Europe Available to Purchase

Financial services in Europe have undergone dramatic changes in recent years. Much of this is due to developments in information and communication technologies, the arrival of European Monetary Union and the ageing population. These will continue to be important drivers of change as the industry continues to evolve. The future may see the emergence of a few major global players though national sensitivities and preferences may limit mergers. “Surprise‐free”, alternative and wild card scenarios are outlined and a range of issues which appear important for policy makers to consider is raised.