How increased trust and transparency can unlock growth

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rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-intro-description-1" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-450ebca9d0":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-18T21:46:44Z","xdm:text":"<p>Asking the better questions that unlock new answers to the working world's most complex issues. UK</p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p>Asking the better questions that unlock new answers to the working world's most complex issues. UK</p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-intro-button-1" class="cmp-container"> <div class="button"> <a class="up-button cmp-button " href="/en_uk/insights" aria-label="Explore Insights" data-cmp-clickable data-up-is="button" data-cmp-data-layer="{"button-5c0646b043":{"@type":"ey-unified-site/components/button","repo:modifyDate":"2024-08-15T08:25:10Z","dc:title":"Explore","xdm:linkURL":"/en_uk/insights"}}" data-analytics-category="Button" data-button-type="cta" data-snippet-url="/content/ey-unified-site/ey-com/local/uk/en_uk/home/insights.html" data-analytics-label="CTA Button" analytics-button-type="cta" data-analytics-button-click> <span class="cmp-button__text" data-analytics-action-value>Explore</span> </a> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-links-wrapper-1" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-links-title-1" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-d89bb2c6b0":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:04Z","xdm:text":"<h4>Trending topics</h4>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <h4>Trending topics</h4> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-links-l2-1" class="cmp-container"> </div> </div> <div class="container responsivegrid"> <div id="subnav-links-see-more-1" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-da25c33161":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-08-15T10:20:27Z","xdm:text":"<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/industries.html\">See more</a></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div 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class="rich-text text"><div data-cmp-data-layer="{"rich-text-ce0653ffbe":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:05Z","xdm:text":"<p>See more</p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p>See more</p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-highlights-title-1" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-1b666be5ad":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:05Z","xdm:text":"<h4>Spotlight</h4>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <h4>Spotlight</h4> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-highlights-links-1" class="cmp-container"> <div class="container responsivegrid"> <div id="container-f4d058491e" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-ab02fa76ea":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-08-16T10:00:25Z","xdm:text":"<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/services/ai.html\">AI insights</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/services/sustainability.html\">Sustainability in business</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/campaigns/economics.html\">Economics</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/campaigns/board-matters.html\">EY Center of Board Matters</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/campaigns/ceo.html\">CEO agenda</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/campaigns/cio.html\">Technology leaders' agenda</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/media/podcasts.html\">EY podcasts</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/media/webcasts.html\">EY webcasts</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/insights.html\">See more</a><br>\r\n</p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><a href="/en_uk/services/ai">AI insights</a></p> <p><a href="/en_uk/services/sustainability">Sustainability in business</a></p> <p><a href="/en_uk/economics">Economics</a></p> <p><a href="/en_uk/board-matters">EY Center of Board Matters</a></p> <p><a href="/en_uk/ceo">CEO agenda</a></p> <p><a href="/en_uk/cio">Technology leaders' agenda</a></p> <p><a href="/en_uk/media/podcasts">EY podcasts</a></p> <p><a href="/en_uk/media/webcasts">EY webcasts</a></p> <p><a href="/en_uk/insights">See more</a><br /> </p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="container-8faf0b66c1" class="cmp-container"> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="sitenav-sub-wrapper-2" class="cmp-container" role="tabpanel"> <div class="container responsivegrid"> <div id="subnav-intro-wrapper-2" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-intro-title-2" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-735f95c057":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:06Z","xdm:text":"<h3>Services</h3>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <h3>Services</h3> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-intro-description-2" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-4f4497d2cc":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:06Z","xdm:text":"<p>EY helps clients create long-term value for all stakeholders. Enabled by data and technology, our services and solutions provide trust through assurance and help clients transform, grow and operate.</p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p>EY helps clients create long-term value for all stakeholders. Enabled by data and technology, our services and solutions provide trust through assurance and help clients transform, grow and operate.</p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-intro-button-2" class="cmp-container"> <div class="button"> <a class="up-button cmp-button " href="/en_uk/services" aria-label="Explore Services" data-cmp-clickable data-up-is="button" data-cmp-data-layer="{"button-93cde2da14":{"@type":"ey-unified-site/components/button","repo:modifyDate":"2024-08-15T10:33:14Z","dc:title":"Explore","xdm:linkURL":"/en_uk/services"}}" data-analytics-category="Button" data-button-type="cta" data-snippet-url="/content/ey-unified-site/ey-com/local/uk/en_uk/home/services.html" data-analytics-label="CTA Button" analytics-button-type="cta" data-analytics-button-click> <span class="cmp-button__text" data-analytics-action-value>Explore</span> </a> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-links-wrapper-2" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-links-title-2" class="cmp-container"> <div class="rich-text text"> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-links-l2-2" class="cmp-container"> </div> </div> <div class="container responsivegrid"> <div id="subnav-links-see-more-2" class="cmp-container"> <div class="rich-text text"> 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activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-highlights-links-2" class="cmp-container"> <div class="container responsivegrid"> <div id="container-c60255391b" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-377f041625":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-08-15T11:05:04Z","xdm:text":"<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/services/ai/platform.html\">EY.ai - A unifying platform</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/services/strategy-transactions/transformation-consulting.html\">Strategy, transaction and transformation consulting</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/services/consulting/technology-transformation.html\">Technology transformation</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/services/tax-function-operations.html\">Tax function operations</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/services/climate-change-sustainability-services.html\">Climate change and sustainability services</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/campaigns/ecosystems.html\">EY Ecosystems</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/industries/financial-services/business-transformation-platform.html\">EY Nexus: business transformation platform</a></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><a href="/en_uk/services/ai/platform">EY.ai - A unifying platform</a></p> <p><a href="/en_uk/services/strategy-transactions/transformation-consulting">Strategy, transaction and transformation consulting</a></p> <p><a href="/en_uk/services/consulting/technology-transformation">Technology transformation</a></p> <p><a href="/en_uk/services/tax-function-operations">Tax function operations</a></p> <p><a href="/en_uk/services/climate-change-sustainability-services">Climate change and sustainability services</a></p> <p><a href="/en_uk/ecosystems">EY Ecosystems</a></p> <p><a href="/en_uk/industries/financial-services/business-transformation-platform">EY Nexus: business transformation platform</a></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="container-7226f28a23" class="cmp-container"> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="sitenav-sub-wrapper-3" class="cmp-container" role="tabpanel"> <div class="container responsivegrid"> <div id="subnav-intro-wrapper-3" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-intro-title-3" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-c29bf7b86d":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:07Z","xdm:text":"<h3>Industries</h3>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <h3>Industries</h3> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-intro-description-3" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-8cd302be76":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:07Z","xdm:text":"<p>Discover how EY insights and services are helping to reframe the future of your industry.<br>\r\n</p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p>Discover how EY insights and services are helping to reframe the future of your industry.<br /> </p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" 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</div> <div class="container responsivegrid"> <div id="subnav-links-wrapper-3" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-links-title-3" class="cmp-container"> <div class="rich-text text"> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-links-l2-3" class="cmp-container"> </div> </div> <div class="container responsivegrid"> <div id="subnav-links-see-more-3" class="cmp-container"> <div class="rich-text text"> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-highlights-wrapper-3" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-highlights-l3-3" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-highlights-l3-see-more-3" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-55ad0f18aa":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:08Z","xdm:text":"<p>See more</p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p>See more</p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" 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class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <h4>Case studies</h4> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-highlights-links-3" class="cmp-container"> <div class="eycom-tier3-casestudy"> <div class="caseStudies"> <p class="caseStudies__title">Workforce</p> <p> <a href="/en_uk/insights/workforce/how-microsoft-built-a-new-mobility-model-for-cross-border-talent">How Microsoft built a new mobility model for cross-border talent</a> </p> <p> <span class="date">12 May 2024</span><a href="/en_uk/people/ey">EY Global </a> </p> </div> <div class="caseStudies"> <p class="caseStudies__title">Private equity</p> <p> <a href="/en_uk/insights/private-equity/how-genai-is-empowering-talent-at-a-pe-backed-consumer-brand">How GenAI is empowering talent at a PE-backed consumer brand</a> </p> <p> <span class="date">07 May 2024</span><a href="/en_uk/people/ey">EY Global </a> </p> </div> <div class="caseStudies"> <p class="caseStudies__title">Strategy and Transactions</p> <p> <a href="/en_uk/insights/strategy-transactions/how-carve-outs-positioned-an-automotive-giant-for-future-growth">How carve-outs positioned an automotive giant for future growth</a> </p> <p> <span class="date">10 Apr 2024</span><a href="/en_uk/people/ey">EY Global </a> </p> </div> </div> <div class="container responsivegrid"> <div id="container-8bc8172c50" class="cmp-container"> </div> </div> <div class="container responsivegrid"> <div id="container-c905c7490f" class="cmp-container"> <div class="separator cmp-separator--half-size"> <div class="cmp-separator"> <hr class="cmp-separator__horizontal-rule"/> </div></div> </div> </div> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-10ae794e8c":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-08-15T12:38:32Z","xdm:text":"<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/campaigns/case-studies.html\">See all</a></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to 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<h3>Careers</h3> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-intro-description-4" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-4c1fe26191":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:10Z","xdm:text":"<p>We bring together extraordinary people, like you, to build a better working world.</p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p>We bring together extraordinary people, like you, to build a better working world.</p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" 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class="container responsivegrid"> <div id="subnav-links-wrapper-4" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-links-title-4" class="cmp-container"> <div class="rich-text text"> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-links-l2-4" class="cmp-container"> </div> </div> <div class="container responsivegrid"> <div id="subnav-links-see-more-4" class="cmp-container"> <div class="rich-text text"> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-highlights-wrapper-4" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-highlights-l3-4" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-highlights-l3-see-more-4" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-6272161822":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:11Z","xdm:text":"<p>See more</p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p>See more</p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" 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data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <h4>Spotlight</h4> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-highlights-links-4" class="cmp-container"> <div class="container responsivegrid"> <div id="container-de95b3a4d3" class="cmp-container"> <div class="rich-text text"><div 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1x,/content/dam/ey-unified-site/ey-com/en-gl/insights/climate-change-sustainability-services/images/ey-aerial-view-of-red-wooden-bridge-walkway-in-a-mangrove-forest-static.jpg.transform/instant-search-400/img.jpg 2x,/content/dam/ey-unified-site/ey-com/en-gl/insights/climate-change-sustainability-services/images/ey-aerial-view-of-red-wooden-bridge-walkway-in-a-mangrove-forest-static.jpg.transform/up-img-width-thumbnail-large-screen/img.jpg 3x" alt="" aria-hidden="true"/> <div class="trending-info"> <p class="up-trending-section--item__link-text">How will climate transition planning empower you to shape the future? </p> <p class="up-trending-section--item__link-description" aria-hidden="true">The sixth EY Climate Action Barometer shows an increase in companies reporting on climate but falling short of carbon ambitions. Learn more.</p> <span class="date">12 Nov 2024</span> <span class="trending-tag up-trending-section--item__tag">Sustainability</span> </div> </a> </li> <li class="up-trending-section--item"> <a href="/en_uk/insights/law/how-microsoft-streamlined-regulatory-compliance-with-gen-ai" class="up-trending-section--item__link-name"> <img src="/content/dam/ey-unified-site/ey-com/en-gl/insights/law/images/ey-ai-team-of-lawyers-planning-with-business-colleagues-during-meeting-at-law-firm.jpg" srcset="/content/dam/ey-unified-site/ey-com/en-gl/insights/law/images/ey-ai-team-of-lawyers-planning-with-business-colleagues-during-meeting-at-law-firm.jpg.transform/instant-search-200/img.jpg 1x,/content/dam/ey-unified-site/ey-com/en-gl/insights/law/images/ey-ai-team-of-lawyers-planning-with-business-colleagues-during-meeting-at-law-firm.jpg.transform/instant-search-400/img.jpg 2x,/content/dam/ey-unified-site/ey-com/en-gl/insights/law/images/ey-ai-team-of-lawyers-planning-with-business-colleagues-during-meeting-at-law-firm.jpg.transform/up-img-width-thumbnail-large-screen/img.jpg 3x" alt="" aria-hidden="true"/> <div class="trending-info"> <p class="up-trending-section--item__link-text">How Microsoft streamlined regulatory compliance with GenAI </p> <p class="up-trending-section--item__link-description" aria-hidden="true">This case study reveals how Microsoft legal teams are using GenAI to confidently manage regulatory change. Learn more.</p> <span class="date">15 Oct 2024</span> <span class="trending-tag up-trending-section--item__tag">Law</span> </div> </a> </li> <li class="up-trending-section--item"> <a href="/en_uk/board-matters/board-cso-cfo-dynamic-for-sustainability" class="up-trending-section--item__link-name"> <img src="/content/dam/ey-unified-site/ey-com/en-gl/campaigns/board-matters/images/ey-spectrum-bixby-creek-bridge-at-backlight-static-no-zoom.jpg" srcset="/content/dam/ey-unified-site/ey-com/en-gl/campaigns/board-matters/images/ey-spectrum-bixby-creek-bridge-at-backlight-static-no-zoom.jpg.transform/instant-search-200/img.jpg 1x,/content/dam/ey-unified-site/ey-com/en-gl/campaigns/board-matters/images/ey-spectrum-bixby-creek-bridge-at-backlight-static-no-zoom.jpg.transform/instant-search-400/img.jpg 2x,/content/dam/ey-unified-site/ey-com/en-gl/campaigns/board-matters/images/ey-spectrum-bixby-creek-bridge-at-backlight-static-no-zoom.jpg.transform/up-img-width-thumbnail-large-screen/img.jpg 3x" alt="" aria-hidden="true"/> <div class="trending-info"> <p class="up-trending-section--item__link-text">How can boards bridge the gap between sustainability ambition and action? </p> <p class="up-trending-section--item__link-description" aria-hidden="true">EY spoke to CFOs, CSOs and board members – read on to hear from six global leaders bridging the gap between sustainability ambition and action.</p> <span class="date">23 Sep 2024</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="eycom-tier3-myey-config"><div class="my-ey" data-analytics-category="Top Navigation"> <a class="myey-url" title="My EY" href="https://login.ey.com/myey/home" style="display: none" data-analytics-link-click> <span aria-hidden="true" class="up-navigation-bar__person-icon"></span> <span class="myeyText" data-analytics-action-value>My EY</span> </a> <a class="myey-login-url" title="My EY" href="https://login.ey.com/myey/login" data-analytics-link-click> <span aria-hidden="true" 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href="/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/documents/ey-2024-global-insurance-outlook-report-v2.pdf" title="Download" data-analytics-action-value data-analytics-event-label="EY 2024 Global Insurance Outlook" data-analytics-category="Download Button" data-analytics-link-identifier="download-button" data-resource-title="EY 2024 Global Insurance Outlook" aria-label="Download EY 2024 Global Insurance Outlook"> <span class="cmp-resourcesItem_more-title">Download</span> </a> <span class="cmp-resourcesItem_fileList-download-size">6 MB</span> </div> </li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="parsys up-two-columns__right-container"><div class="container responsivegrid section"> <div id="container-affa2307f2" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--tablet-portrait--12 aem-Grid--mobile--12 aem-Grid--tablet-landscape--12 "> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn--tablet-landscape--12 aem-GridColumn--tablet-portrait--none aem-GridColumn--offset--tablet-portrait--0 aem-GridColumn--offset--default--0 aem-GridColumn--offset--mobile--0 aem-GridColumn--tablet-portrait--12 aem-GridColumn--mobile--none aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--tablet-landscape--none aem-GridColumn--offset--tablet-landscape--0 aem-GridColumn--mobile--12"><div data-cmp-data-layer="{"rich-text-f0bb5a7bb1":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:44:37Z","xdm:text":"<h4><span class=\"copy-block\">Close regulatory scrutiny, disruptive technology and growing pressure from investors are forcing insurers to rethink their priorities.</span></h4>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <h4><span class="copy-block">Close regulatory scrutiny, disruptive technology and growing pressure from investors are forcing insurers to rethink their priorities.</span></h4> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> <div class="separator cmp-separator--horizontal-rule aem-GridColumn--default--none aem-GridColumn--tablet-landscape--12 aem-GridColumn--tablet-portrait--none aem-GridColumn--tablet-portrait--12 aem-GridColumn--offset--tablet-portrait--0 aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--tablet-landscape--none aem-GridColumn--offset--tablet-landscape--0 aem-GridColumn--offset--default--0"> <div class="cmp-separator"> <hr class="cmp-separator__horizontal-rule"/> </div></div> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--offset--default--0"><div data-cmp-data-layer="{"rich-text-ffeb2ea961":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:44:38Z","xdm:text":"<p><span class=\"copy-block\"><b>In brief</b></span></p>\r\n<ul>\r\n<li><span class=\"copy-block\">In a time of turbulence, stakeholders want insurers to deliver more value through stronger protections, holistic solutions and personalized experiences.</span></li>\r\n<li><span class=\"copy-block\">Trust can help insurers take advantage of generative AI to reduce protection and savings gaps and satisfy new customer demand.</span></li>\r\n<li><span class=\"copy-block\">The benefits of increased trust include more loyal customers, increased profitability, and productive relationships with partners and regulators.</span></li>\r\n</ul>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><span class="copy-block"><b>In brief</b></span></p> <ul><li><span class="copy-block">In a time of turbulence, stakeholders want insurers to deliver more value through stronger protections, holistic solutions and personalized experiences.</span></li><li><span class="copy-block">Trust can help insurers take advantage of generative AI to reduce protection and savings gaps and satisfy new customer demand.</span></li><li><span class="copy-block">The benefits of increased trust include more loyal customers, increased profitability, and productive relationships with partners and regulators.</span></li></ul> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> <div class="separator cmp-separator--horizontal-rule aem-GridColumn--default--none aem-GridColumn--tablet-landscape--12 aem-GridColumn--tablet-portrait--none aem-GridColumn--tablet-portrait--12 aem-GridColumn--offset--tablet-portrait--0 aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--tablet-landscape--none aem-GridColumn--offset--tablet-landscape--0 aem-GridColumn--offset--default--0"> <div class="cmp-separator"> <hr class="cmp-separator__horizontal-rule"/> </div></div> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--offset--default--0"><div data-cmp-data-layer="{"rich-text-ed49d0c1c9":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:44:39Z","xdm:text":"<p><span class=\"copy-block\"><span class=\"drop-cap\">A</span>s outlined in the 2024<a>&nbsp;</a><a href=\"/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/documents/ey-2024-global-insurance-outlook-report-v2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">EY Global Insurance Outlook (pdf)</a>, trust and transparency have never been more important to the industry’s present performance and future prospects. That’s true because of widespread macroeconomic uncertainty, technological disruption and proliferating risks. Based on our extensive market research and engagement with many of the leading carriers around the world, we believe that increasing trust and transparency can help insurers navigate these and other critical challenges –&nbsp;from intensifying competition to increased regulatory scrutiny to rising investor expectations for stronger financial results.</span></p>\r\n<p><span class=\"copy-block\">This article will highlight how trust and transparency can help guide insurers through this time of market turbulence and as they navigate critical issues and opportunities in the immediate term:</span></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><span class="copy-block"><span class="drop-cap">A</span>s outlined in the 2024<a> </a><a href="/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/documents/ey-2024-global-insurance-outlook-report-v2.pdf" target="_blank" rel="noopener noreferrer">EY Global Insurance Outlook (pdf)</a>, trust and transparency have never been more important to the industry’s present performance and future prospects. That’s true because of widespread macroeconomic uncertainty, technological disruption and proliferating risks. Based on our extensive market research and engagement with many of the leading carriers around the world, we believe that increasing trust and transparency can help insurers navigate these and other critical challenges – from intensifying competition to increased regulatory scrutiny to rising investor expectations for stronger financial results.</span></p> <p><span class="copy-block">This article will highlight how trust and transparency can help guide insurers through this time of market turbulence and as they navigate critical issues and opportunities in the immediate term:</span></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> <div class="nested-tile aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--offset--default--0"><div class="content"> <div class="height-control"></div> <div class="nestedTileSec nestedTile-parsys rightAlign small"> <div id="nested-tile-container-251233228b" class="cmp-container"> <div class="link-area"> <div class="cmp-link-area cmp-link-area--regular " data-analytics-category="Link Area"> <p class="cmp-link-area__header"> How EY can help </p> <div> <ul class="cmp-link-area__regular "> <li class="cmp-link-area__item "> <div class="cmp-link-area__wrapper"> <p class="cmp-link-area__item--title"> <a data-analytics-link-click data-analytics-event-label="linkAreaHeader-EY-How EY can Help" data-analytics-action-value="EY Nexus for Insurance" href="/en_uk/industries/insurance/nexus"> EY Nexus for Insurance </a> </p> </div> <p class="cmp-link-area__item__paragraph">A transformative solution that helps accelerate innovation, unlocks value in your ecosystem and powers frictionless business. Learn more.</p> <a class="cmp-link-area__item__readmore" href="/en_uk/industries/insurance/nexus"> Read more </a> </li> </ul> </div> </div> </div> </div> </div> <div class="richText-content cmp-text nested-tile--georgia-font"> <ul><li><span class="copy-block">The deployment of generative AI (GenAI) and other disruptive technologies and the need for a clear ethical framework to ensure all stakeholders benefit</span></li><li><span class="copy-block">The pressure to contribute societal value and reduce the protection gap, in line with the demands of regulators, policyholders, investors and customers</span></li><li><span class="copy-block">Satisfying changing customer needs and preferences, which have given rise to increased competition from non-insurers, via innovative new solutions, business models and delivery channels – all of which deliver clear value via transparency, personalization and efficiency</span></li></ul> </div> </div> </div> <div class="resources aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--offset--default--0"><div> <div class="up-resources__full-width" data-analytics-category="Button"> <h3 class="up-resources__full-width-title" data-analytics-label>Read the full report: EY 2024 Global Insurance Outlook</h3> <div class="up-resources__full-width-button-container"> <a data-analytics-link-click data-analytics-action-label="EY 2024 Global Insurance Outlook" data-analytics-action-value="EY 2024 Global Insurance Outlook" data-resource-title="Read the full report: EY 2024 Global Insurance Outlook" class="up-resources__full-width-button" href="/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/documents/ey-2024-global-insurance-outlook-report-v2.pdf" target="_blank" title=" EY 2024 Global Insurance Outlook"><span class="up-resources__full-width-button-label">PDF</span> <span class="up-resources__full-width-button-size">(6 MB)</span> </a> </div> </div> </div> </div> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--offset--default--0"><div data-cmp-data-layer="{"rich-text-42afc393fe":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:44:39Z","xdm:text":"<h5><span class=\"copy-block\">Rethinking the role of trust in insurance</span></h5>\r\n<p><span class=\"copy-block\">Trust has always been at the foundation of the industry, of course; customers buy insurance based on the belief that insurers will honor their commitment to pay out claims promptly and sustain promises over time horizons that can extend across decades. Certainly, high degrees of trust remain a hallmark of the world’s top insurance brands. But, today, declining levels of trust in the industry have become a competitive liability. There are many reasons why trust has fallen, but insurers’ recent actions – exiting high-risk geographies, denying business disruption claims during the COVID-19 pandemic, failing to digitize – have certainly played a role.</span></p>\r\n<p><span class=\"copy-block\">To be clear, we don’t view trust as an end in itself. And we aren’t referring exclusively to abstract or high-level “brand trust,” though brand value certainly increases trust (and vice versa). Rather, we are describing a more functional sense of confidence and reliability among all stakeholders:</span></p>\r\n<ul>\r\n<li><span class=\"copy-block\">Customers have no doubt that they are getting value for money and that they can count on insurers during difficult times.</span></li>\r\n<li><span class=\"copy-block\">Investors know insurers’ strategic priorities (especially relative to ESG), understand how they measure performance and find reported numbers to be credible.</span></li>\r\n<li><span class=\"copy-block\">Regulators believe that insurers are good-faith partners in addressing critical societal challenges.</span></li>\r\n</ul>\r\n<p><span class=\"copy-block\">These outcomes will help insurers position as “preferred partners,” rather than providers of required products, an important consideration as more non-traditional competitors enter the insurance space. InsurTechs, tech platforms and other non-insurers attract customers – especially younger buyers – through intuitive digital solutions that offer clear value, simple purchase processes and optional features and components that are easy to adjust as customer needs change. New players that build trust with every touchpoint are taking market and wallet share from respected incumbents that built their brands on trust.</span></p>\r\n<p><span class=\"copy-block\">So how do insurers begin to restore trust? It starts with more transparency in everything from product design and pricing decisions, to technology and data usage, to financial reporting and regulatory disclosures. The goal is to build trust in every stakeholder interaction and instill transparency as the animating force behind everyday operations across the enterprise. The following challenges illustrate how increased transparency can pay dividends for insurers.</span></p>\r\n<h5><span class=\"copy-block\">Will customers and regulators trust your use of GenAI?</span></h5>\r\n<p><span class=\"copy-block\">Barely a year from the meteoric rise of ChatGPT, consumers, regulators and senior business leaders express a mix of optimism and concern regarding AI. And while many insurers feel pressure to move quickly in deploying GenAI applications across the business, they must take the time to build the strong governance models necessary for safe and trustworthy implementations of AI in insurance.</span></p>\r\n<p><span class=\"copy-block\">Transparency in AI-driven processes —particularly when sensitive customer data is involved — is essential to building trust among customers, partners and regulators. The validation of data model inputs and outputs and appropriate labeling of all outputs produced by GenAI apps and interfaces are top priorities. The main objective is to prevent bias and unfair outcomes in coverage, pricing and claims decisions.</span></p>\r\n<h5><span class=\"copy-block\">Are you clear and open about how you add value beyond your own bottom line?</span></h5>\r\n<p><span class=\"copy-block\">Regulators, political leaders, individual citizens, investors and other stakeholders have increasingly looked to industry for support in addressing the complex and urgent challenges faced by countries, communities and customers around the world. There’s no better place for insurers to demonstrate a clear societal purpose than in addressing the huge – and still growing – savings and protection gaps. New solutions for climate and cyber risks, low-income pre-retirees and gig workers can help spark growth for insurers even as they alleviate pressure on strained public pension systems.</span></p>\r\n<p><span class=\"copy-block\">But insurers can contribute to societal prosperity and stability in other ways. Promoting diversity in the boardroom and across the workforce and offering inclusive environments can position insurers as “post-bias” employers. That includes hiring people of all races and ethnicities, ages, genders and sexual orientations, as well as neurodiverse talent. Lastly, transparency in sustainability disclosures will give investors and regulators more reason to trust that insurers are fully committed to living their purpose. The good news is that, by satisfying the needs of individual customers across all lines of business, which is good for business, insurers can also mitigate pressing societal challenges.</span></p>\r\n<h5><span class=\"copy-block\">Is the organization ready to satisfy different customer needs?</span></h5>\r\n<p><span class=\"copy-block\">Trust is a competitive consideration as traditional boundaries between sectors dissolve. More types of firms — wealth and asset managers, financial planners, pensions and annuity providers, and traditional carriers, plus health systems, banks, InsurTechs, tech platforms and other disrupters — are aiming to meet the needs of customers seeking physical and financial wellness and stronger protections. Consumers will turn to providers they trust – that is, those firms that provide the right advice, offer the right solutions and consistently do the right thing.</span></p>\r\n<p><span class=\"copy-block\">Simpler and more accessible products, more convenient distribution channels and more personalized service experiences are all key to engaging customers in ways that build trust. The rise of ecosystems and embedded insurance, not to mention the stunning growth of captives, confirm just how rapidly changing customer needs can redefine the market. Restoring trust will be essential for incumbents whose competitive set now potentially includes the strongest brands in sectors ranging from automotive to cloud computing to pharmaceuticals.</span></p>\r\n<h5><span class=\"copy-block\">Imperative actions for insurers to secure competitive advantage:</span></h5>\r\n<ul>\r\n<li><span class=\"copy-block\">Embrace trust as a critical criterion for every investment in innovation, transformation and partnerships.</span></li>\r\n<li><span class=\"copy-block\">Embrace open communication and transparent information sharing relative to data use and privacy practices for all processes, especially those that involve GenAI.</span></li>\r\n<li><span class=\"copy-block\">Redesign and simplify products with clearer value propositions and speak directly to customer needs.</span></li>\r\n<li><span class=\"copy-block\">Find creative ways to use new and existing data sets to deliver more value to customers and partners.</span></li>\r\n<li><span class=\"copy-block\">Embrace purpose within go-to-market strategies – clarify how your company delivers value to individual customers and contributes to society as a whole.</span></li>\r\n<li><span class=\"copy-block\">Engage with regulators and government authorities to address the huge protection and savings gaps.</span></li>\r\n<li><span class=\"copy-block\">Commit to measuring trust based on a formalized framework or a combination of multiple numbers.</span></li>\r\n<li><span class=\"copy-block\">Embrace robust security and governance to safeguard data and other valuable assets.</span></li>\r\n</ul>\r\n<p><span class=\"copy-block\">In some sense, reorienting on trust represents a return to the industry’s fundamentals. To restore historical growth rates and trust to past levels, getting back to basics may unleash the innovation and performance gains so many carriers have been looking for.</span></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <h5><span class="copy-block">Rethinking the role of trust in insurance</span></h5> <p><span class="copy-block">Trust has always been at the foundation of the industry, of course; customers buy insurance based on the belief that insurers will honor their commitment to pay out claims promptly and sustain promises over time horizons that can extend across decades. Certainly, high degrees of trust remain a hallmark of the world’s top insurance brands. But, today, declining levels of trust in the industry have become a competitive liability. There are many reasons why trust has fallen, but insurers’ recent actions – exiting high-risk geographies, denying business disruption claims during the COVID-19 pandemic, failing to digitize – have certainly played a role.</span></p> <p><span class="copy-block">To be clear, we don’t view trust as an end in itself. And we aren’t referring exclusively to abstract or high-level “brand trust,” though brand value certainly increases trust (and vice versa). Rather, we are describing a more functional sense of confidence and reliability among all stakeholders:</span></p> <ul><li><span class="copy-block">Customers have no doubt that they are getting value for money and that they can count on insurers during difficult times.</span></li><li><span class="copy-block">Investors know insurers’ strategic priorities (especially relative to ESG), understand how they measure performance and find reported numbers to be credible.</span></li><li><span class="copy-block">Regulators believe that insurers are good-faith partners in addressing critical societal challenges.</span></li></ul> <p><span class="copy-block">These outcomes will help insurers position as “preferred partners,” rather than providers of required products, an important consideration as more non-traditional competitors enter the insurance space. InsurTechs, tech platforms and other non-insurers attract customers – especially younger buyers – through intuitive digital solutions that offer clear value, simple purchase processes and optional features and components that are easy to adjust as customer needs change. New players that build trust with every touchpoint are taking market and wallet share from respected incumbents that built their brands on trust.</span></p> <p><span class="copy-block">So how do insurers begin to restore trust? It starts with more transparency in everything from product design and pricing decisions, to technology and data usage, to financial reporting and regulatory disclosures. The goal is to build trust in every stakeholder interaction and instill transparency as the animating force behind everyday operations across the enterprise. The following challenges illustrate how increased transparency can pay dividends for insurers.</span></p> <h5><span class="copy-block">Will customers and regulators trust your use of GenAI?</span></h5> <p><span class="copy-block">Barely a year from the meteoric rise of ChatGPT, consumers, regulators and senior business leaders express a mix of optimism and concern regarding AI. And while many insurers feel pressure to move quickly in deploying GenAI applications across the business, they must take the time to build the strong governance models necessary for safe and trustworthy implementations of AI in insurance.</span></p> <p><span class="copy-block">Transparency in AI-driven processes —particularly when sensitive customer data is involved — is essential to building trust among customers, partners and regulators. The validation of data model inputs and outputs and appropriate labeling of all outputs produced by GenAI apps and interfaces are top priorities. The main objective is to prevent bias and unfair outcomes in coverage, pricing and claims decisions.</span></p> <h5><span class="copy-block">Are you clear and open about how you add value beyond your own bottom line?</span></h5> <p><span class="copy-block">Regulators, political leaders, individual citizens, investors and other stakeholders have increasingly looked to industry for support in addressing the complex and urgent challenges faced by countries, communities and customers around the world. There’s no better place for insurers to demonstrate a clear societal purpose than in addressing the huge – and still growing – savings and protection gaps. New solutions for climate and cyber risks, low-income pre-retirees and gig workers can help spark growth for insurers even as they alleviate pressure on strained public pension systems.</span></p> <p><span class="copy-block">But insurers can contribute to societal prosperity and stability in other ways. Promoting diversity in the boardroom and across the workforce and offering inclusive environments can position insurers as “post-bias” employers. That includes hiring people of all races and ethnicities, ages, genders and sexual orientations, as well as neurodiverse talent. Lastly, transparency in sustainability disclosures will give investors and regulators more reason to trust that insurers are fully committed to living their purpose. The good news is that, by satisfying the needs of individual customers across all lines of business, which is good for business, insurers can also mitigate pressing societal challenges.</span></p> <h5><span class="copy-block">Is the organization ready to satisfy different customer needs?</span></h5> <p><span class="copy-block">Trust is a competitive consideration as traditional boundaries between sectors dissolve. More types of firms — wealth and asset managers, financial planners, pensions and annuity providers, and traditional carriers, plus health systems, banks, InsurTechs, tech platforms and other disrupters — are aiming to meet the needs of customers seeking physical and financial wellness and stronger protections. Consumers will turn to providers they trust – that is, those firms that provide the right advice, offer the right solutions and consistently do the right thing.</span></p> <p><span class="copy-block">Simpler and more accessible products, more convenient distribution channels and more personalized service experiences are all key to engaging customers in ways that build trust. The rise of ecosystems and embedded insurance, not to mention the stunning growth of captives, confirm just how rapidly changing customer needs can redefine the market. Restoring trust will be essential for incumbents whose competitive set now potentially includes the strongest brands in sectors ranging from automotive to cloud computing to pharmaceuticals.</span></p> <h5><span class="copy-block">Imperative actions for insurers to secure competitive advantage:</span></h5> <ul><li><span class="copy-block">Embrace trust as a critical criterion for every investment in innovation, transformation and partnerships.</span></li><li><span class="copy-block">Embrace open communication and transparent information sharing relative to data use and privacy practices for all processes, especially those that involve GenAI.</span></li><li><span class="copy-block">Redesign and simplify products with clearer value propositions and speak directly to customer needs.</span></li><li><span class="copy-block">Find creative ways to use new and existing data sets to deliver more value to customers and partners.</span></li><li><span class="copy-block">Embrace purpose within go-to-market strategies – clarify how your company delivers value to individual customers and contributes to society as a whole.</span></li><li><span class="copy-block">Engage with regulators and government authorities to address the huge protection and savings gaps.</span></li><li><span class="copy-block">Commit to measuring trust based on a formalized framework or a combination of multiple numbers.</span></li><li><span class="copy-block">Embrace robust security and governance to safeguard data and other valuable assets.</span></li></ul> <p><span class="copy-block">In some sense, reorienting on trust represents a return to the industry’s fundamentals. To restore historical growth rates and trust to past levels, getting back to basics may unleash the innovation and performance gains so many carriers have been looking for.</span></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> </div> </div> </div> </div> <div class="upAccordion component aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2"> <div id="accordion-fbdc48ee68" class="up-accordion" data-up-is="accordion" data-up-single-expansion data-placeholder-text="false"> <ul class="up-accordion__list"> <li data-up-hook-accordion="[items]" id="accordion-fbdc48ee68-item-906b21277f" class="up-accordion__item"> <h3 class="up-accordion__header"> <button id="accordion-fbdc48ee68-item-906b21277f-button" class="up-accordion__header-button" aria-controls="accordion-fbdc48ee68-item-906b21277f-panel" aria-expanded="false" data-up-hook-accordion="[buttons]"> <span class="up-accordion__header-button-title">Previous Reports</span> <span class="up-accordion__header-button-icon"> </span> </button> </h3> <div data-up-hook-accordion="[panels]" id="accordion-fbdc48ee68-item-906b21277f-panel" class="up-accordion__panel" role="region" aria-labelledby="accordion-fbdc48ee68-item-906b21277f-button" aria-hidden="true" inert><div class="container responsivegrid"> <div id="container-906b21277f" class="cmp-container"> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 "> <div class="rich-text text aem-GridColumn aem-GridColumn--default--8"><div data-cmp-data-layer="{"rich-text-184781915f":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:44:40Z","xdm:text":"<p><a href=\"/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/documents/ey-2023-global-insurance-outlook-driving-purposeful-change-in-uncertain-times.pdf\">Download the EY 2023 Global Insurance Outlook (pdf) | How to drive purposeful change in uncertain times</a></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><a href="/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/documents/ey-2023-global-insurance-outlook-driving-purposeful-change-in-uncertain-times.pdf">Download the EY 2023 Global Insurance Outlook (pdf) | How to drive purposeful change in uncertain times</a></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> </div> </div> </li> </ul> </div> </div> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn--tablet-landscape--12 aem-GridColumn--tablet-portrait--none aem-GridColumn--offset--tablet-portrait--0 aem-GridColumn--offset--default--2 aem-GridColumn--offset--mobile--0 aem-GridColumn--tablet-portrait--12 aem-GridColumn--mobile--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--tablet-landscape--none aem-GridColumn--offset--tablet-landscape--0 aem-GridColumn--mobile--12"><div data-cmp-data-layer="{"rich-text-8937887892":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T13:44:40Z","xdm:text":"<h4><span class=\"copy-block\" style=\"font-weight: normal;\">Summary</span></h4>\r\n<p><span class=\"copy-block\">Trust can no longer be viewed as a secondary, “nice-to-have” outcome for branding and public relations efforts; rather, it must be an essential element of the organizational vision and mission, a living, breathing part of the culture, and an animating force behind everyday operations across the enterprise. Trust can even help insurers generate stronger returns on technology investments and – most importantly – strengthen relationships with customers seeking new solutions and new ways to engage.</span></p>\r\n"}}" data-up-is="rich-text" data-up-translation-read-more="Read more" data-up-translation-read-less="Read less" data-up-translation-aria-label-read-more="Read more button, press enter to activate, or use Up arrow key to learn more about this content" data-up-translation-aria-label-read-less="Read less button, press enter to activate, or use Up arrow key to learn more about this content" class="up-rich-text cmp-text" data-up-analytics="rich-text"> <div class="up-rich-text__container" data-up-hook-rich-text="richTextContainer"> <div class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <h4><span class="copy-block" style=" font-weight: normal; ">Summary</span></h4> <p><span class="copy-block">Trust can no longer be viewed as a secondary, “nice-to-have” outcome for branding and public relations efforts; rather, it must be an essential element of the organizational vision and mission, a living, breathing part of the culture, and an animating force behind everyday operations across the enterprise. Trust can even help insurers generate stronger returns on technology investments and – most importantly – strengthen relationships with customers seeking new solutions and new ways to engage.</span></p> </div> </div> <button class="rich-text__read-more-btn rich-text__button--hidden" data-up-hook-rich-text="richTextReadMoreButton" aria-hidden="true" aria-label="Read more button, press enter to activate, or use Up arrow key to learn more about this content"> Read more </button> <button class="rich-text__read-less-btn" data-up-hook-rich-text="richTextReadLessButton" aria-hidden="true" aria-label="Read less button, press enter to activate, or use Up arrow key to learn more about this content"> Read less </button> </div> </div> </div> </div> </div> <div class="container responsivegrid theme-dark cmp-container--theme-dark cmp-container--background-color-e2e aem-GridColumn aem-GridColumn--default--12"> <div id="container-db3d7e7b9a" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="up-authors-and-contributors aem-GridColumn aem-GridColumn--default--12"> <div class="up-authors-and-contributors up-authors-and-contributors--article-bottombar " data-up-analytics="authors-and-contributors" data-up-is="authors-and-contributors"> <p class="up-authors-and-contributors__title">About this article</p> <div class="up-authors-and-contributors__content"> <div class="up-authors-and-contributors__authors-and-contributors-container"> <div class="up-authors-and-contributors__authors-container"> <p class="up-authors-and-contributors__authors-title"> Authors </p> <ul class="up-authors-and-contributors__author-links"> <li class="up-authors-and-contributors__author-link-container"> <a class="up-authors-and-contributors__author-link up-authors-and-contributors__analytics-author-link" aria-label="Isabelle Santenac" href="/en_uk/people/isabelle-santenac"> <figure class="up-authors-and-contributors__author-link-content"> <div class="up-authors-and-contributors__author-name-container"> Isabelle Santenac </div> </figure> </a> <div class="up-authors-and-contributors__author-title"> EY Global Insurance Leader </div> </li> <li class="up-authors-and-contributors__author-link-container"> <a class="up-authors-and-contributors__author-link up-authors-and-contributors__analytics-author-link" aria-label="Ed Majkowski" href="/en_uk/people/ed-j-majkowski"> <figure class="up-authors-and-contributors__author-link-content"> <div class="up-authors-and-contributors__author-name-container"> Ed Majkowski </div> </figure> </a> <div class="up-authors-and-contributors__author-title"> EY Americas Financial Services and Insurance Markets Leader </div> </li> <li class="up-authors-and-contributors__author-link-container"> <a class="up-authors-and-contributors__author-link up-authors-and-contributors__analytics-author-link" aria-label="Anita Sun-Young Bong" href="/en_uk/people/anita-sun-young-bong"> <figure class="up-authors-and-contributors__author-link-content"> <div class="up-authors-and-contributors__author-name-container"> Anita Sun-Young Bong Anita Sun-Young Bong </div> </figure> </a> <div class="up-authors-and-contributors__author-title"> EY Asia-Pacific Insurance Sector Leader; EY Korea Financial Services Consulting Leader </div> </li> <li class="up-authors-and-contributors__author-link-container"> <a class="up-authors-and-contributors__author-link up-authors-and-contributors__analytics-author-link" aria-label="Phil Vermeulen" href="/en_uk/people/phil-vermeulen"> <figure class="up-authors-and-contributors__author-link-content"> <div class="up-authors-and-contributors__author-name-container"> Phil Vermeulen </div> </figure> </a> <div class="up-authors-and-contributors__author-title"> EY EMEIA Financial Services Insurance Leader </div> </li> </ul> </div> </div> <div class="up-authors-and-contributors__tags-and-social-container"> <div 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