As we all recognize, progression is hard to find, revenue is under extreme pressure, and the cost of doing business continues to increase. Four forces are shaping this reality: the economic climate, with high levels of unemployment, low interest rates, and a feeble housing market; consumers, who are borrowing less; regulators, who are both curbing fee-based income and increasing the cost of compliance, and technology, which is enabling nontraditional, low-priced competitors in areas such as payments. Financial services companies compete in a flat world where, more than ever before, competitors are intense, customers are savvier and the market place is less forgiving. Banks, stock exchange, investment and capital markets companies must perform at the highest levels so they can create sustainable value for their customers and shareholders. We help move clients forward in every part of their businesses with our expertise in financial services consulting, technology and outsourcing.