The Financial Services industry continues to experience enormous change. The critical challenge is to embrace the new world and embed changes into future business and operating models. There is increased competition, and there are ever changing regulatory requirements to adhere to. This level of operational scrutiny requires a constant concentration on change and transformation. In the aftermath of the credit crisis, banking organisations need to focus on developing low cost operating models, especially as bad debt, and the high cost of funding continues. Ever-more vocal customers are demanding an improved customer service/journey, and more flexible online offerings. There is a clear need for innovative solutions and agility, with customer experience having become the battleground for competitive advantage. The Financial Services sector is in a situation where it faces increasing pressure to undertake significant change and return to growth. Boxchange provides a range of consulting, interim & resourcing solutions to solve many of the industry challenges in every corner of the Financial Services sector.