Clusters Eight key clusters affected by structural change Partners can select 1–2 clusters as focal areas Payment systems Understanding behavioral changes and expectations in a cashless world Credit and lending New platforms are simplifying and expanding the lending process Digital capital markets Redefining the way buyers and sellers are being connected RegTech Automating many outdated compliance and due diligence tasks Blockchain and cryptocurrency Moving towards a faster, cheaper and more secure transactions platform Wealth advice New players are challenging existing models with cheaper, seamless services InsurTech A new degree of personalization and proactive risk management in insurance Innovation for social impact Harnessing financial innovation to allocate capital for social impact