{"id":5071,"date":"2022-03-03T15:30:00","date_gmt":"2022-03-03T15:30:00","guid":{"rendered":"https:\/\/apadmi.com\/insights\/what-can-we-do-with-data-in-financial-services\/"},"modified":"2026-07-23T11:18:42","modified_gmt":"2026-07-23T11:18:42","slug":"what-can-we-do-with-data-in-financial-services","status":"publish","type":"insight","link":"https:\/\/www.apadmi.com\/en-nl\/insights\/what-can-we-do-with-data-in-financial-services\/","title":{"rendered":"What can we do with data in financial services?"},"content":{"rendered":"<div\n\tclass=\"overflow-x-clip text-on-background flow-root\"\n\t\t>\n\t<div class=\"wrap:grid wrap:grid-cols-[1fr_minmax(0,90rem)_1fr] *:col-2\">\n\t\t<div class=\"flex flex-col items-center-safe gap-18 md:gap-8 block-inset-x pt-64 pb-64\">\n\t<h1\t\tclass=\"uppercase text-36 md:text-64 leading-none font-black text-balance max-w-3xl text-center\"\n\t>\n\t\tWhat can we do with data in financial services?\t<\/h1>\n\n\t\n\t<\/div>\t<\/div>\n<\/div>\n\n<div\n\tclass=\"overflow-x-clip text-on-background flow-root\"\n\t\t>\n\t<div class=\"wrap:grid wrap:grid-cols-[1fr_minmax(0,90rem)_1fr] *:col-2\">\n\t\t<img\n\tsrc=\"https:\/\/www.apadmi.com\/uploads\/2026\/07\/metal-building-structure-orange-neon-insight.webp\"\n\talt=\"Orange illuminated light installation suspended diagonally inside a modern building with a glass roof and exposed steel beams.\"\n\tclass=\"object-cover aspect-2\/1 mid:aspect-cinema rounded-16 bg-(--img-avg-color)\"\n\t\t\tdata-brightness=\"dark\"\n\t\tstyle=\" --img-avg-color: #334743;\"\n\/>\t<\/div>\n<\/div>\n\n<div\n\tclass=\"overflow-x-clip text-on-background flow-root\"\n\t\t>\n\t<div class=\"wrap:grid wrap:grid-cols-[1fr_minmax(0,90rem)_1fr] *:col-2\">\n\t\t<div class=\"block-inset-x group\/bodyCopy flex flex-col mid:gap-y-16 max-w-xl box-content mid:mx-auto pt-64 mid:pt-72 pb-64 mid:pb-72\">\n\t\n\t\n\t\t\t<p class=\"text-pretty w-fill font-bold text-16 leading-minimal sm:text-20 not-first:mt-24 mid:not-first:mt-32\">\n\t\t\tFinancial services, host and financial journalist Sam Shaw examines some of the subjects we\u2019ll be covering which could be keeping customer experience owners awake at night.\t\t<\/p>\n\t\n\t\n\t<div class=\"flex flex-col gap-y-24 w-fill mt-44 mid:mt-24\">\n\t\t\n<p class=\"*:link:underline text-16 md:text-18 leading-minimal md:leading-[1.4] text-start\">\n\tNone of us need to read another statistic on how the pandemic has seen digital adoption in financial services race up the priority list. But it\u2019s a hot topic for a reason.\u00a0<br><br>The sector \u2013 whether advised or self-served, wealth or asset management, banking or insurance \u2013 is acutely aware that the relationship between financial providers and end consumers must tick a number of boxes. And in order to do so, digital transformation is essential.<\/p>\n\n<h2\tdata-slug=\"boring-neglected-and-compliant\"\n\tclass=\"text-balance font-black uppercase text-18 leading-tight sm:text-28 text-start\"\n>\n\tBoring, neglected and compliant<\/h2>\n\n<p class=\"*:link:underline text-16 md:text-18 leading-minimal md:leading-[1.4] text-start\">\n\tImagine the intersection: financial conversations are vital (yet can be boring); personal (yet must be compliant); and hugely neglected in terms of the opportunity on offer.<br><br>That\u2019s where things have historically sat.\u00a0<br><br>But it doesn\u2019t have to be that way. The financial services sector has the potential to access a rich bank of data (with the right permissions of course) which could solve many operational inefficiencies, reduce costs, offer consumers an improved experience and hopefully better financial outcomes.<br><br>It was happening slowly anyway, but Covid forced a collective realisation that sitting in front of someone over coffee to have a \u2018utility\u2019 conversation was nice but not essential. Digital customer experiences came into sharper focus, as did our understanding of loyalty across financial brands.\u00a0<br><br>Dealing with financial affairs tends to get shoved down the \u2018to-do\u2019 list, so can data help with a prompt from time to time?<\/p>\n\n<h2\tdata-slug=\"data-is-disrupting-and-being-disrupted\"\n\tclass=\"text-balance font-black uppercase text-18 leading-tight sm:text-28 text-start\"\n>\n\tData is disrupting and being disrupted<\/h2>\n\n<p class=\"*:link:underline text-16 md:text-18 leading-minimal md:leading-[1.4] text-start\">\n\tMobile solutions and digital partnerships now sit front and centre \u2013 underpinned by data.<br><br>This is perfectly illustrated by Fintech players coming to market and\u00a0 challenging legacy names; a wider acknowledgement that people will be brand agnostic but service-led; and that users may increasingly use multiple providers even in the same space.\u00a0<br><br>People want a personal service, but not necessarily\u00a0<em>in person<\/em>. We\u2019re all busy and increasingly impatient with the corporate world, expecting an Amazon, Google or [insert other big tech name here] level of service in all aspects of life.<br>Even if certain data gets captured, stored and interrogated effectively, how can it then be put to good use?<br><br>What\u2019s in it for the client, when \u2018client\u2019 could mean an individual investor of the future, a long-term advised relationship spanning multiple generations, a company running an employee benefits programme or a pension fund responsible for tens of thousands of retirement pots?<\/p>\n\n<h2\tdata-slug=\"new-and-old-an-approach-for-all\"\n\tclass=\"text-balance font-black uppercase text-18 leading-tight sm:text-28 text-start\"\n>\n\tNew and old &#8211; an approach for all<\/h2>\n\n<p class=\"*:link:underline text-16 md:text-18 leading-minimal md:leading-[1.4] text-start\">\n\tApproaches to client segmentation are finally being reinvigorated and the constant challenge faced is how to retain and continue to engage with existing clients of one demographic while appealing to a new generation with an entirely different mindset.\u00a0<br><br>Trillions of pounds (in one form or another) are set to move from a generation of baby boomers into the hands of their children and grandchildren. Data can help improve the methods, modes and timings of conversations to be had with each of them.<br><br>Personas are ever-more important, finetuned using data with increasing precision. What lessons can be learned from other, more consumer-first, sectors without the regulatory burdens?<br><br>Younger users may crave mobile-first experiences, yet their lack of friction and security (both physical and cyber) raises concerns. Where is omnichannel working at its best for the wealth and investment sectors to learn from and how can we optimise who sees what and when?<\/p>\n\t<\/div>\n<\/div>\t<\/div>\n<\/div>\n\n<div\n\tclass=\"overflow-x-clip text-on-background flow-root bg-orange-300\"\n\t\t\tdata-theme=\"orange-light\"\n\t\t>\n\t<div class=\"\">\n\t\t<div\n\tclass=\"py-64 md:py-144 block-inset-x flex items-center justify-center relative isolate overflow-clip js-block-flagship\"\n\tdata-theme=\"default\"\n\t>\n\t\n\t<div class=\"max-w-7xl max-mid:max-w-xl bg-background rounded-28 p-32 flex flex-col md:flex-row gap-32 text-on-background md:items-center w-fill sm:w-fit md:w-fill\">\n\t\t<img\n\tsrc=\"https:\/\/www.apadmi.com\/uploads\/2026\/07\/Apadmi-logo-white-square-rotation.webp\"\n\talt=\"Apadmi logo on an orange background\"\n\tclass=\"object-cover aspect-2\/3 sm:aspect-3\/2 rounded-20 sm:max-w-xl md:max-w-md max-md:mx-auto max-md:w-fill bg-(--img-avg-color)\"\n\t\t\tdata-brightness=\"light\"\n\t\tstyle=\" --img-avg-color: #FC753D;\"\n\/>\n\t\t<div class=\"sm:max-w-xl max-md:mx-auto\">\n\t\t\t<h2\t\t\t\tclass=\"text-36 md:text-44 leading-none font-black uppercase text-balance\"\n\t\t\t>\n\t\t\t\t<span class=\"sr-only\">Let&#8217;s build what&#8217;s next<\/span>\n\t<span aria-hidden=\"true\">Let&#8217;s build what&#8217;s next<\/span>\t\t\t<\/h2>\n\n\t\t\t\t\t\t\t<p class=\"mt-20 md:mt-16\">\n\t\t\t\t\tWe work with ambitious organisations to design, build, and scale digital products that solve real problems, improve customer experiences, and deliver measurable impact.\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\n\n\t\t<a\thref=\"\/en-nl\/contact\"class=\"focus:outline-hidden focus-visible:outline-auto transition uppercase leading-none outline-offset-8 disabled:grayscale disabled:pointer-events-none select-none px-24 py-18 rounded-full font-semibold text-16 bg-accent text-on-accent hocus:bg-on-accent hocus:inset-ring hocus:inset-ring-accent hocus:text-accent button max-md:mt-24 md:ml-36 max-md:mx-auto shrink-0\">\n\t\n\t<span class=\"\">\n\t\tContact Us\t<\/span>\n\n\t<\/a>\t<\/div>\n<\/div>\t<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":6,"featured_media":257,"template":"","meta":{"es_utils_meta_schema":"","esPageTheme":"default","esPageBackground":"","footnotes":""},"class_list":["post-5071","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What can we do with data in financial services? 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