New reports from Citi Research focus on FinTech, Infrastructure and ePrivacy

21/04/2017

New Cambridge Network member, Citi Research, shares some of its flagship thought leadership series, Global Perspectives & Solutions.

 

Citi’s Global Perspectives & Solutions* (GPS) is a flagship thought leadership series that is designed to help Citi's clients navigate the global economy’s most demanding challenges, identify future themes and trades, and help clients profit in a fast-changing and interconnected world. 

The latest in Citi’s GPS series of thematic reports looks at the investment that venture capital firms have put into the FinTech world in a report called Digital Disruption- Revisited.

Digital Disruption - Revisited looks at the investment that venture capital firms have put into the FinTech world — what regions have received the most VC investment, what sectors they’re investing in and what business models are preferred. The report also interviews eight leading FinTech VCs and gives their views on FinTech investing. The favorite business models are Payments (especially e-commerce payments) which can reap large economies of scale, lending (especially in emerging markets), a shift in interest to B2B business models in developed markets; and gaining momentum in InsurTech and RegTech.

Infrastructure for Growth: The amount we spend on infrastructure globally has gradually been falling as a % of GDP. At the same time, there is an enormous social need for infrastructure investment. The global economy seems to be mired in a period of sluggish growth and we find that infrastructure investment can be a driver of growth. Based on our analysis, we believe there is a $58.6 trillion infrastructure spend necessary over the next 15 years to get the economy back to desired growth rates

ePrivacy and Data protection: In this report we look at how consumers are tracked, and how the data that is collected and analyzed is then used by organizations. We then look at how consumers themselves perceive the topic of privacy and why regulators increasingly feel the need to intervene. Finally we conduct a series of case studies with third-party contributors such as Vodafone, Aviva, and even Citi to assess the challenges associated with adapting to the new landscape. The conclusions are quite stark. Focus on privacy and data protection is on the rise and forthcoming changes to regulation in the European Union (EU), to be implemented in 2018, will fundamentally alter the risk/reward of using data and with it, alter the perception of the long-term opportunity from data. It’s important to say that this does not necessarily unwind the longer-term upside from big data, data analytics, artificial intelligence, and machine learning. But we do think the path will be muddied by new regulation and that from a corporate perspective, this will require a systemic change of approach with respect to ePrivacy and data protection. And this is not, for the moment, properly understood or appreciated by many corporates or investors

Contacts: Alex Miller, Global Head of Product / Andrew Pitt, Global Head of Research
Email: alex.miller (at) citi.com  & andrew.pitt (at) citi.com

Citi Research

Citi Research is part of Citi’s Institutional Clients Group, where we focus on equity and fixed income research, economic and market analysis and product-specific analysis to help institutional clients navigate a complex global marketplace.

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