Regulatory change and heightened regulatory scrutiny impacting operational resilience and production and delivery of products and services. ( SM00001 )

Economic conditions restricting growth prospects in relevant markets ( CS00001 )

Succession challenges and talent acquisition and retention ( FI00001 )

Existing operations, infrastructure and digital capabilities unable to adjust to “born digital” competitors or those with superior performance ( SM00001 )

Resistance to change ( POV00001 )

Regulatory change and heightened regulatory scrutiny impacting operational resilience and production and delivery of products and services. ( SM00001 )

Economic conditions restricting growth prospects in relevant markets ( CS00001 )

Succession challenges and talent acquisition and retention ( FI00001 )

Existing operations, infrastructure and digital capabilities unable to adjust to “born digital” competitors or those with superior performance ( SM00001 )

Resistance to change ( POV00001 )