How life insurers are transforming to deliver value for better living

<!DOCTYPE html> <html lang="en-UK"> <head> <meta charset="UTF-8"/> <title>How life insurers are transforming to deliver value for better living | EY - UK</title> <meta name="template" content="article"/> <meta name="viewport" content="width=device-width, initial-scale=1"/> <script defer="defer" type="text/javascript" src="/.rum/@adobe/helix-rum-js@%5E2/dist/rum-standalone.js"></script> <link rel="shortcut icon" type="image" href="/content/dam/ey-unified-site/icon/ey-favicon.jpg"/> <script> window.features={ "exampleFeature": { "featureId": "exampleFeature", "enabled": true, "source": "ca-config" }, "secondFeature": { "featureId": "secondFeature", "enabled": false, "source": "osgi" } } </script> <meta name="description" content="Shifting customer expectations and a focus on value are reshaping the dynamic commercial insurance and reinsurance markets. Learn more."/> <meta property="og:type" content="website"/> <meta property="og:title" content="How life insurers are transforming to deliver value for better living"/> <meta property="og:description" content="Shifting customer expectations and a focus on value are reshaping the dynamic commercial insurance and reinsurance markets. Learn more."/> <meta property="og:image" content="https://www.ey.com/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/images/ey-three-generation-family-having-a-good-time-at-dusk.jpg"/> <meta property="og:url" content="https://www.ey.com/en_uk/insights/insurance/how-life-insurers-are-transforming-to-deliver-value-for-better-living"/> <meta name="twitter:card" content="summary"/> <meta name="twitter:title" content="How life insurers are transforming to deliver value for better living"/> <meta name="twitter:description" content="Shifting customer expectations and a focus on value are reshaping the dynamic commercial insurance and reinsurance markets. Learn more."/> <meta name="twitter:image" content="https://www.ey.com/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/images/ey-three-generation-family-having-a-good-time-at-dusk.jpg"/> <meta name="twitter:site" content="EYNews"/> <meta class="elastic" name="author_boost" content=""Patricia Davies""/> <meta class="elastic" name="topic_title_boost" content=""Insurance","Consumer Products""/> <meta class="elastic" name="contributor_boost" content=""Isabelle Santenac","Ed Majkowski","Phil Vermeulen","Anita Sun-Young Bong""/> <meta class="elastic" name="related_topic" content="relatedtopictitle:Insurance|relatedtopicurl:/content/ey-unified-site/ey-com/local/uk/en_uk/home/industries/insurance.html"/> <meta class="elastic" name="related_topic" content="relatedtopictitle:Consumer Products|relatedtopicurl:/content/ey-unified-site/ey-com/local/uk/en_uk/home/industries/consumer-products.html"/> <meta class="elastic" name="firstpublishdate" content="2024-01-23"/> <meta class="elastic" name="dateuser" content="2023-07-17T00:00:00Z"/> <meta class="elastic" name="pagedescription" content="Shifting customer expectations and a focus on value are reshaping the dynamic commercial insurance and reinsurance markets. Learn more."/> <meta class="elastic" name="pagesubheadline"/> <meta class="elastic" name="pagetitle" content="How life insurers are transforming to deliver value for better living"/> <meta class="elastic" name="pagetype" content="basic"/> <meta class="elastic" name="aempath" content="/content/ey-unified-site/ey-com/local/uk/en_uk/home/insights/insurance/how-life-insurers-are-transforming-to-deliver-value-for-better-living"/> <meta class="elastic" name="aemPublishPageURL" content="https://www.ey.com/en_uk/insights/insurance/how-life-insurers-are-transforming-to-deliver-value-for-better-living"/> <meta class="elastic" name="aemparentpath" content="/content/ey-unified-site/ey-com/local/uk/en_uk/home/insights/insurance"/> <meta class="elastic" name="external_id" content="cfe75bc3-28b3-39d3-93c1-91aba1751282"/> <meta class="elastic" name="hide_from_search"/> <meta class="elastic" name="series_identifier"/> <meta class="elastic" name="author" content="authorsalutation: |authorfirstname:Patricia|authorlastname:Davies|authorjobtitle:EY Global Insurance Analyst Lead, Insights|authorurl:https://www.ey.com/en_uk/people/patricia-davies"/> <meta class="elastic" name="author_content_path" content="/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/n/nicole-michaels"/> <meta class="elastic" name="author_content_path" content="/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/p/patricia-davies"/> <meta class="elastic" name="aempathpart" content="content"/> <meta class="elastic" name="aempathpart" content="ey-unified-site"/> <meta class="elastic" name="aempathpart" content="ey-com"/> <meta class="elastic" name="aempathpart" content="local"/> <meta class="elastic" name="aempathpart" content="uk"/> <meta class="elastic" name="aempathpart" content="en_uk"/> <meta class="elastic" name="aempathpart" content="home"/> <meta class="elastic" name="aempathpart" content="insights"/> <meta class="elastic" name="aempathpart" content="insurance"/> <meta class="elastic" name="aempathpart" content="how-life-insurers-are-transforming-to-deliver-value-for-better-living"/> <meta class="elastic" name="contributor" content="contributorsalutation:|contributorfirstname:Isabelle|contributorlastname:Santenac"/> <meta class="elastic" name="contributor" content="contributorsalutation:|contributorfirstname:Ed|contributorlastname:Majkowski"/> <meta class="elastic" name="contributor" content="contributorsalutation: |contributorfirstname:Phil|contributorlastname:Vermeulen"/> <meta class="elastic" name="contributor" content="contributorsalutation:Anita Sun-Young Bong|contributorfirstname:Anita Sun-Young|contributorlastname:Bong"/> <meta class="elastic" name="contributor_content_path" content="/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/i/isabelle-santenac"/> <meta class="elastic" name="contributor_content_path" content="/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/e/ed-j-majkowski"/> <meta class="elastic" name="contributor_content_path" content="/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/p/phil-vermeulen"/> <meta class="elastic" name="contributor_content_path" content="/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/a/anita-sun-young-bong"/> <meta class="elastic" name="topic" content="topicid:topic:insurance|topiclabel:Insurance"/> <meta class="elastic" name="topic" content="topicid:topic:consumer-products|topiclabel:Consumer Products"/> <meta class="elastic" name="topiclabel" content="Insurance"/> <meta class="elastic" name="topiclabel" content="Consumer Products"/> <meta class="elastic" name="sectorlabel" content="sector:insurance"/> <meta class="elastic" name="eventdescription"/> <meta class="elastic" name="eventtitle"/> <meta class="elastic" name="eventtype"/> <meta class="elastic" name="eventpromoted" content="false"/> <meta class="elastic" name="area" content="Global"/> <meta class="elastic" name="region" content="Global"/> <meta class="elastic" name="language" content="en-UK"/> <meta class="elastic" name="thumbnailurl" content="/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/images/ey-three-generation-family-having-a-good-time-at-dusk.jpg"/> <meta class="elastic" name="thumbnailalt" content="Three generation family having a good time at dusk"/> <meta class="elastic" name="videoflag"/> <meta class="elastic" name="brand" content="EY"/> <link rel="canonical" href="https://www.ey.com/en_uk/insights/insurance/how-life-insurers-are-transforming-to-deliver-value-for-better-living"/> <script src="https://cdn.cookielaw.org/scripttemplates/otSDKStub.js" type="text/javascript" charset="UTF-8" data-domain-script="2b8fbcf2-c8f8-48b8-bf66-aa2750188925" data-document-language="true"></script> <script type="text/javascript"> let cookierecheckInterval = 0; const cookiecheckingIterations = 15; const PERFORMANCE_COOKIE_CODE = "C0002"; function OptanonWrapper() { const cookiePolicyElement = document.querySelectorAll(".up-cookie-policy-link"); const cookiePolicyElement2 = document.querySelectorAll(".privacy-notice-link"); const cookiePolicyModalElement = document.querySelector("#cookie-modal"); const cookiePolicyPath = cookiePolicyModalElement?.getAttribute("data-cookie-policy-path"); if (cookiePolicyPath) { cookiePolicyElement.forEach((item) => { item.setAttribute("href", cookiePolicyPath); }); cookiePolicyElement2.forEach((item) => { item.setAttribute("href", cookiePolicyPath); }); } if (typeof OptanonWrapperCount === "undefined" && !OneTrust.IsAlertBoxClosed()) { otInitialDelete(); } else { pageInitialDelete(); } function otInitialDelete() { OptanonWrapperCount = ""; const consentInitialDeleteEvent = new CustomEvent("onetrust-initial-delete"); window.dispatchEvent(consentInitialDeleteEvent); } function pageInitialDelete() { const onetrustAcceptedCookies = OptanonActiveGroups.split(",").filter((e) => e != ""); const consentInitialDeleteEvent = new CustomEvent("onetrust-reload-cookie-check", { detail: onetrustAcceptedCookies, }); window.dispatchEvent(consentInitialDeleteEvent); } OneTrust.OnConsentChanged(function (event) { const consentChangedEvent = new CustomEvent("onetrust-consent-changed", { detail: event.detail, }); window.dispatchEvent(consentChangedEvent); if (OnetrustActiveGroups.includes(PERFORMANCE_COOKIE_CODE)) { adobe.optIn.approveAll(); _satellite.track("OneTrust_Acceptance"); } }); document.querySelectorAll("iframe").forEach((el) => { el.onload = () => OptanonWrapper(); }); } window.addEventListener( "modal-ot-cookie-validation", () => { OptanonWrapper(); }, false, ); function listenCookieChange(callback, interval = 2000) { let lastCookie = document.cookie; const intervalCookie = setInterval(() => { let cookie = document.cookie; cookierecheckInterval++; if (cookierecheckInterval > cookiecheckingIterations) { clearInterval(intervalCookie); } if (cookie !== lastCookie) { try { callback({ oldValue: lastCookie, newValue: cookie }); } finally { lastCookie = cookie; } } }, interval); } listenCookieChange(({ oldValue, newValue }) => { OptanonWrapper(); }, 2000); </script> <script> // Define dataLayer and the gtag function. window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} // Set default consent to 'denied' gtag('consent', 'default', { 'ad_storage': 'denied', 'ad_user_data': 'denied', 'ad_personalization': 'denied', 'analytics_storage': 'denied'}) </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"WebPage","name":"<p>How life insurers are transforming to deliver value for better living</p>\r\n","description":"Shifting customer expectations and a focus on value are reshaping the dynamic commercial insurance and reinsurance markets. Learn more.","publisher":{"@type":"CollegeOrUniversity","name":"MIT OpenCourseWare"},"license":"http://creativecommons.org/licenses/by-nc-sa/3.0/us/deed.en_US"} </script> <script type="text/javascript"> var digitaldata = {"component":{"link":{},"navigation":{}},"onclick":{},"pageURL":{},"page":{"country":"local","applicationType":"Y","industryMarket":"Financial Services","language":"en-UK","pageName":"How life insurers are transforming to deliver value for better living","copyrightExpires":"24 Nov 2024","solution":"","primaryBuyerFocus":"null","keyword":"","eYApplication":"EY.com","sector":"Insurance","createdUser":"eySystemUser","eYArea":"Global","brandName":"EY","eYCountryTerritory":"","eYRegion":"Global","format":[],"firstPublishUser":"eySystemUser","lifecycleCountdown":["9999-09-09T00:00:00.000+05:30"],"journeyID":"","eventIdentifier":"Page Viewed:How life insurers are transforming to deliver value for better living","articleReadTime":"6","articleContributors":"","pageLocale":"en-UK","eYProduct":"EY.com","lastPublishUser":"paren.bhatt@uk.ey.com","topic":"","reviewStatus":["NA"],"creatorTool":[],"description":"Shifting customer expectations and a focus on value are reshaping the dynamic commercial insurance and reinsurance markets. Learn more.","liveCopyReference":"/content/ey-unified-site/ey-com/local/uk/localisation/en/home/insights/insurance/how-life-insurers-are-transforming-to-deliver-value-for-better-living","buyerGroupAudience":"null","scoreNumber":"EYG no. 006957-23Gbl","engPageName":"content:ey-unified-site:ey-com:local:uk:en_uk:home:insights:insurance:how-life-insurers-are-transforming-to-deliver-value-for-better-living","articlePublishDate":"23 Jan 2024","environment":"$[env:AUP_ANALYTICS_ENV]","createdDate":"02 Apr 2024","service":"","firstPublishDate":"23 Jan 2024","clientLifecycleIntent":[],"articleAuthor":" "},"video":{},"user":{},"onload":{}}; </script> <script src="https://assets.adobedtm.com/476538bf0bae/da9b80fab950/launch-59ae0fcb4393.min.js"></script> <script src="/etc.clientlibs/ey-unified-site/clientlibs/clientlib-iframe-messages.lc-e68cd2e788095baa03881f94c0703a98-lc.min.js"></script> <script src="/etc.clientlibs/clientlibs/granite/jquery.lc-f9e8e8c279baf6a1a278042afe4f395a-lc.min.js"></script> <script src="/etc.clientlibs/clientlibs/granite/utils.lc-899004cc02c33efc1f6694b1aee587fd-lc.min.js"></script> <script src="/etc.clientlibs/clientlibs/granite/jquery/granite.lc-011c0fc0d0cf131bdff879743a353002-lc.min.js"></script> <script src="/etc.clientlibs/foundation/clientlibs/jquery.lc-dd9b395c741ce2784096e26619e14910-lc.min.js"></script> <script src="/etc.clientlibs/ey-unified-site/clientlibs/clientlib-dependencies.lc-86898916a3fd14658ff92cd4fb257566-lc.min.js"></script> <link rel="stylesheet" href="/etc.clientlibs/ey-unified-site/clientlibs/clientlib-dependencies.lc-4febb64ea0629284e1ac6fda44633347-lc.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/ey-unified-site/clientlibs/clientlib-ey-default.lc-0cae637a8c1895d1a4fb0661c31838fe-lc.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/ey-unified-site/clientlibs/clientlib-default-light.lc-82d379ffc8a2df78a31894b149b53ab2-lc.min.css" type="text/css"> <script async src="/etc.clientlibs/core/wcm/components/commons/datalayer/v2/clientlibs/core.wcm.components.commons.datalayer.v2.lc-1e0136bad0acfb78be509234578e44f9-lc.min.js"></script> <script async src="/etc.clientlibs/core/wcm/components/commons/datalayer/acdl/core.wcm.components.commons.datalayer.acdl.lc-bf921af342fd2c40139671dbf0920a1f-lc.min.js"></script>  <style> :root { --theme-none: initial; --theme-white: ; --theme-light-grey: ; --theme-mid-grey: ; --theme-dark: ; --theme-dark-accented: ; --theme-accented: ; } .cmp-container--theme-white, .up-carousel--slide-theme-white .swiper-slide, .cmp-container--theme-white > .hero-identity { --theme-none: ; --theme-white: initial; --theme-light-grey: ; --theme-mid-grey: ; --theme-dark: ; --theme-dark-accented: ; --theme-accented: ; --color: #2e2e38; --background-color: #ffffff; --hover-background-color: #ffffff; --border-color: #c4c4cd; --neutral-color: #2e2e38; --accent-color: #ffe600; --padded-background-color: #eaeaf2; --padded-hover-background-color: #eaeaf2; /* Unnamed until variables */ --temp-1: #747480; --temp-2: #eaeaf2; --temp-3: #2e2e38; --temp-4: #c4c4cd; } .cmp-container--theme-light-grey, .up-carousel--slide-theme-light-grey .swiper-slide, .cmp-container--theme-light-grey > .hero-identity { --theme-none: ; --theme-white: ; --theme-light-grey: initial; --theme-mid-grey: ; --theme-dark: ; --theme-dark-accented: ; --theme-accented: ; --color: #2e2e38; --background-color: #eaeaf2; --hover-background-color: #eaeaf2; --border-color: #c4c4cd; --neutral-color: #2e2e38; --accent-color: #ffe600; --padded-background-color: #ffffff; --padded-hover-background-color: #ffffff; /* Unnamed until variables */ --temp-1: #747480; --temp-2: #747480; --temp-3: #ffffff; --temp-4: #c4c4cd; } .cmp-container--theme-mid-grey, .up-carousel--slide-theme-mid-grey .swiper-slide, .cmp-container--theme-mid-grey > .hero-identity { --theme-none: ; --theme-white: ; --theme-light-grey: ; --theme-mid-grey: initial; --theme-dark: ; --theme-dark-accented: ; --theme-accented: ; --color: #2e2e38; --background-color: #f6f6fa; --hover-background-color: #f6f6fa; --border-color: #2e2e38; --neutral-color: #2e2e38; --accent-color: #ffe600; --padded-background-color: #ffffff; --padded-hover-background-color: #ffffff; /* Unnamed until variables */ --temp-1: #747480; --temp-2: #747480; --temp-3: #ffffff; --temp-4: #c4c4cd; } /* Proposed to be dropped */ .cmp-container--theme-dark, .up-carousel--slide-theme-dark .swiper-slide, .cmp-container--theme-dark > .hero-identity { --theme-none: ; --theme-white: ; --theme-light-grey: ; --theme-mid-grey: ; --theme-dark: initial; --theme-dark-accented: ; --theme-accented: ; --color: #ffffff; --background-color: #2e2e38; --hover-background-color: #2e2e38; --border-color: #ffffff; --neutral-color: #ffffff; --accent-color: #ffe600; --padded-background-color: #ffffff; --padded-hover-background-color: #ffffff; /* Unnamed until variables */ --temp-1: #747480; --temp-2: #747480; --temp-3: #ffffff; --temp-4: #747480; } .cmp-container--theme-dark-accented, .up-carousel--slide-theme-dark-accented .swiper-slide, .cmp-container--theme-dark-accented > .hero-identity { --theme-none: ; --theme-white: ; --theme-light-grey: ; --theme-mid-grey: ; --theme-dark: ; --theme-dark-accented: initial; --theme-accented: ; --color: #ffffff; --background-color: #2e2e38; --hover-background-color: #2e2e38; --border-color: #ffffff; --neutral-color: #ffe600; --accent-color: #ffe600; --padded-background-color: #ffffff; --padded-hover-background-color: #ffffff; /* Unnamed until variables */ --temp-1: #747480; --temp-2: #747480; --temp-3: #ffffff; --temp-4: #747480; } .cmp-container--theme-accented, .up-carousel--slide-theme-accented .swiper-slide, .cmp-container--theme-accented > .hero-identity { --theme-none: ; --theme-white: ; --theme-light-grey: ; --theme-mid-grey: ; --theme-dark: ; --theme-dark-accented: ; --theme-accented: initial; --color: #2e2e38; --background-color: #ffe600; --hover-background-color: #ffe600; --border-color: #2e2e38; --neutral-color: #2e2e38; --accent-color: #2e2e38; --padded-background-color: #ffffff; --padded-hover-background-color: #ffffff; /* Unnamed until variables */ --temp-1: #747480; --temp-2: #2e2e38; --temp-3: #ffffff; --temp-4: #747480; } </style> </head> <body class="page-v2 page basicpage page--ey" id="page-3b46f8e7d2" data-cmp-data-layer-enabled data-progress-bar-enabled="false" data-dateformat="dd MMM yyyy" data-eventdatefirstelement="dd" data-eventdatesecondelement="MMM yyyy" data-eventdatevariant="bigFirstElement"> <script> window.adobeDataLayer = window.adobeDataLayer || []; adobeDataLayer.push({ page: JSON.parse("{\x22page\u002D3b46f8e7d2\x22:{\x22@type\x22:\x22core\/wcm\/extensions\/amp\/components\/page\/v1\/page\x22,\x22repo:modifyDate\x22:\x222024\u002D04\u002D10T10:58:33Z\x22,\x22dc:title\x22:\x22How life insurers are transforming to deliver value for better living\x22,\x22dc:description\x22:\x22Shifting customer expectations and a focus on value are reshaping the dynamic commercial insurance and reinsurance markets. Learn more.\x22,\x22xdm:template\x22:\x22\/conf\/ey\u002Dunified\u002Dsite\/settings\/wcm\/templates\/article\x22,\x22xdm:language\x22:\x22en\u002DUK\x22,\x22xdm:tags\x22:[],\x22repo:path\x22:\x22\/content\/ey\u002Dunified\u002Dsite\/ey\u002Dcom\/local\/uk\/en_uk\/home\/insights\/insurance\/how\u002Dlife\u002Dinsurers\u002Dare\u002Dtransforming\u002Dto\u002Ddeliver\u002Dvalue\u002Dfor\u002Dbetter\u002Dliving.html\x22}}"), event: "cmp:show", eventInfo: { path: 'page.page\u002D3b46f8e7d2', }, }); </script> <div class="root container responsivegrid"> <div id="container-29292449fa" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div id="header" class="cmp-experiencefragment cmp-experiencefragment--header"> <div id="container-4363bbc323" class="cmp-container"> <div class="container responsivegrid"> <div id="unified-header" class="cmp-container"> <div class="container responsivegrid"> <div id="logo-container" class="cmp-container"> <div class="main-navigation-logo"><div data-analytics-category="Top Navigation" class="cmp-logo up-navigation-translation-labels" data-translation-open-navigation-menu="Open navigation menu" data-translation-close-navigation-menu="Close navigation menu" data-translation-open-country-language-switcher="Open country language switcher" data-translation-close-country-language-switcher="Close country language switcher" data-translation-open-search="Open Search" data-translation-close-search="Close Search" data-translation-see-all="See all" data-translation-close="Close" data-translation-back="Back" data-translation-skip-to-content="Skip to content" data-translation-my-ey="My EY"> <a class="cmp-logo__link" data-analytics-link-click data-analytics-label="Logo" href="https://www.ey.com/en_uk" title="EY Logo"> <span class="sr-only">EY Logo</span> <?xml version="1.0" encoding="UTF-8"?> <svg id="a" data-name="Artwork" xmlns="http://www.w3.org/2000/svg" height="402.22" class="cmp-logo__image" xmlns:xlink="http://www.w3.org/1999/xlink" viewBox="0 0 1000.5 402.22"> <defs> <style> </style> <clipPath id="ey-logo-first-line"> <rect class="d" x="392.42" y="248.61" width="607.58" height="78.66"/> </clipPath> <clipPath id="ey-logo-second-line"> <rect class="d" x="392.42" y="334.54" width="607.58" height="66.72"/> </clipPath> </defs> <polygon class="g" points="267.91 202.77 234.19 267.54 200.56 202.77 134.74 202.77 204.09 322.86 204.09 401.26 263.44 401.26 263.44 322.86 332.89 202.77 267.91 202.77"/> <polygon class="f" points="392.42 0 0 143.22 392.42 73.9 392.42 0"/> <polygon class="g" points="3.43 401.26 162.23 401.26 162.23 355.61 62.96 355.61 62.96 322.86 134.74 322.86 134.74 281.18 62.96 281.18 62.96 248.42 142.37 248.42 116.02 202.77 3.43 202.77 3.43 401.26"/> <g clip-path="url(#ey-logo-second-line)" id="ey-logo-text-second-line"> <path class="g" d="M865.51,378.72c0,1.43-.1,3.23-.19,3.9h-27.2c.48,6.28,4.76,8.85,9.61,8.85,2.85,0,5.52-.86,7.8-3.14l7.99,6.75c-4.18,5.23-10.56,7.13-16.26,7.13-13.13,0-20.64-10.08-20.64-23.3,0-14.36,8.85-23.49,19.88-23.49,11.79,0,19.02,10.37,19.02,23.3ZM838.31,373.87h15.98c-.38-5.04-3.61-8.47-8.18-8.47-5.42,0-7.51,4.76-7.8,8.47Z"/> <path class="g" d="M1000,378.72c0,1.43-.1,3.23-.19,3.9h-27.2c.48,6.28,4.76,8.85,9.61,8.85,2.85,0,5.52-.86,7.8-3.14l7.99,6.75c-4.18,5.23-10.56,7.13-16.26,7.13-13.13,0-20.64-10.08-20.64-23.3,0-14.36,8.85-23.49,19.88-23.49,11.79,0,19.02,10.37,19.02,23.3ZM972.8,373.87h15.98c-.38-5.04-3.61-8.47-8.18-8.47-5.42,0-7.51,4.76-7.8,8.47Z"/> <path class="g" d="M950.16,385.29l7.42,7.04c-3.8,4.85-9.04,9.89-17.88,9.89-12.27,0-21.31-9.8-21.31-23.3,0-12.36,7.51-23.49,21.5-23.49,7.99,0,13.51,3.61,17.6,9.7l-7.61,7.7c-2.66-3.52-5.52-6.28-10.08-6.28-6.18,0-9.42,5.23-9.42,12.17,0,6.47,2.85,12.27,9.51,12.27,4.09,0,7.51-2.19,10.27-5.71Z"/> <path class="g" d="M911.54,401.26h-11.6v-24.44c0-6.28-1.43-10.46-7.7-10.46-5.9,0-7.8,3.52-7.8,10.18v24.73h-11.6v-44.89h11.6v3.04c2.38-2.38,5.9-3.99,10.94-3.99,12.17,0,16.17,9.42,16.17,20.45v25.4Z"/> <path class="g" d="M766.4,352.47c3.71,0,6.66-2.95,6.66-6.66s-2.95-6.66-6.66-6.66-6.66,2.95-6.66,6.66,2.95,6.66,6.66,6.66Z"/> <path class="g" d="M469.84,352.47c3.71,0,6.66-2.95,6.66-6.66s-2.95-6.66-6.66-6.66-6.66,2.95-6.66,6.66,2.95,6.66,6.66,6.66Z"/> <path class="g" d="M808.06,387.38v-17.12c-2.47-2.66-4.85-3.9-8.08-3.9-6.75,0-8.37,5.33-8.37,11.7,0,7.23,2.09,13.22,8.66,13.22,3.23,0,5.52-1.43,7.8-3.9ZM819.67,401.26h-11.6v-2.95c-3.8,2.76-6.09,3.9-10.18,3.9-12.94,0-18.45-11.22-18.45-23.78,0-13.6,6.47-23.02,18.17-23.02,3.9,0,7.61,1.05,10.46,3.61v-14.36l11.6-5.8v62.39Z"/> <rect class="g" x="760.51" y="356.37" width="11.6" height="44.89"/> <path class="g" d="M753.75,340.39v9.32c-1.71-.57-3.99-.86-5.71-.86-3.33,0-4.85,1.05-4.85,3.9v3.61h9.61v10.84h-9.61v34.05h-11.6v-34.05h-6.28v-10.84h6.28v-5.42c0-8.37,5.23-11.79,13.7-11.79,2.47,0,6.09.29,8.47,1.24Z"/> <path class="g" d="M719.61,401.26h-11.6v-24.44c0-6.28-1.43-10.46-7.7-10.46-5.9,0-7.8,3.52-7.8,10.18v24.73h-11.6v-44.89h11.6v3.04c2.38-2.38,5.9-3.99,10.94-3.99,12.17,0,16.17,9.42,16.17,20.45v25.4Z"/> <path class="g" d="M652.93,355.42c-12.94,0-21.02,10.18-21.02,23.4,0,13.89,8.85,23.4,21.02,23.4s21.02-9.51,21.02-23.4-8.08-23.4-21.02-23.4ZM652.93,390.99c-7.42,0-9.04-7.13-9.04-12.17,0-6.94,2.85-12.27,9.04-12.27s9.04,5.33,9.04,12.27c0,5.04-1.62,12.17-9.04,12.17Z"/> <path class="g" d="M620.69,385.29l7.42,7.04c-3.8,4.85-9.04,9.89-17.88,9.89-12.27,0-21.31-9.8-21.31-23.3,0-12.36,7.51-23.49,21.5-23.49,7.99,0,13.51,3.61,17.6,9.7l-7.61,7.7c-2.66-3.52-5.52-6.28-10.08-6.28-6.18,0-9.42,5.23-9.42,12.17,0,6.47,2.85,12.27,9.51,12.27,4.09,0,7.51-2.19,10.27-5.71Z"/> <path class="g" d="M560.67,401.26h-11.6v-24.44c0-6.28-1.43-10.46-7.7-10.46-5.9,0-7.89,3.52-7.89,10.18v24.73h-11.6v-56.59l11.6-5.8v20.54c2.19-2.66,6.75-3.99,11.22-3.99,11.79,0,15.98,9.32,15.98,20.45v25.4Z"/> <path class="g" d="M514.73,387.76l-1.71,11.7c-2.38,1.9-8.08,2.76-11.13,2.76-7.04,0-12.08-5.61-12.08-13.41v-21.59h-7.8v-10.84h7.8v-11.7l11.6-5.8v17.5h13.13v10.84h-13.13v18.45c0,4.09,1.52,5.42,4.28,5.42s7.04-1.43,9.04-3.33Z"/> <rect class="g" x="464.04" y="356.37" width="11.6" height="44.89"/> <polygon class="g" points="457.95 356.37 443.78 401.26 433.13 401.26 425.52 373.97 417.81 401.26 407.16 401.26 393.08 356.37 406.02 356.37 412.77 382.43 420.38 356.37 430.94 356.37 438.55 382.43 445.4 356.37 457.95 356.37"/> </g> <g clip-path="url(#ey-logo-first-line)" id="ey-logo-text-first-line"> <path class="g" d="M846.68,310.72h-11.03v-3.14c-2.47,2.76-6.47,4.09-10.46,4.09-11.6,0-15.98-8.37-15.98-20.45v-25.4h11.22v24.44c0,6.09,1.24,10.65,7.51,10.65s7.51-4.76,7.51-10.27v-24.82h11.22v44.89Z"/> <path class="g" d="M881.68,297.59l-1.62,11.41c-2.28,1.81-6.47,2.66-9.23,2.66-6.85,0-12.17-5.14-12.17-13.32v-21.78h-6.47v-10.75h6.47v-11.7l11.22-5.71v17.41h10.65v10.75h-10.65v18.83c0,3.9,1.62,5.33,4.38,5.33s5.61-1.43,7.42-3.14Z"/> <path class="g" d="M711.24,310.72h-11.22v-24.44c0-6.09-1.33-10.56-7.61-10.56s-7.7,4.09-7.7,10.27v24.73h-11.22v-56.59l11.22-5.71v20.54c2.47-2.47,5.52-4.09,10.56-4.09,11.89,0,15.98,9.13,15.98,20.54v25.3Z"/> <path class="g" d="M1000,288.17c0,1.43-.1,3.23-.19,3.9h-27.2c.48,6.28,4.76,8.85,9.61,8.85,2.85,0,5.52-.86,7.8-3.14l7.99,6.75c-4.18,5.23-10.56,7.13-16.26,7.13-13.13,0-20.64-10.08-20.64-23.3,0-14.36,8.85-23.49,19.88-23.49,11.79,0,19.02,10.37,19.02,23.3ZM972.8,283.32h15.98c-.38-5.04-3.61-8.47-8.18-8.47-5.42,0-7.51,4.76-7.8,8.47Z"/> <path class="g" d="M924.39,310.72h-11.03v-3.14c-2.47,2.76-6.47,4.09-10.46,4.09-11.6,0-15.98-8.37-15.98-20.45v-25.4h11.22v24.44c0,6.09,1.24,10.65,7.51,10.65s7.51-4.76,7.51-10.27v-24.82h11.22v44.89Z"/> <path class="g" d="M755.85,288.17c0,1.43-.1,3.23-.19,3.9h-27.2c.48,6.28,4.76,8.85,9.61,8.85,2.85,0,5.52-.86,7.8-3.14l7.99,6.75c-4.18,5.23-10.56,7.13-16.26,7.13-13.13,0-20.64-10.08-20.64-23.3,0-14.36,8.85-23.49,19.88-23.49,11.79,0,19.02,10.37,19.02,23.3ZM728.64,283.32h15.98c-.38-5.04-3.61-8.47-8.18-8.47-5.42,0-7.51,4.76-7.8,8.47Z"/> <path class="g" d="M806.35,249.94v9.23c-2.57-.67-4.28-.95-5.8-.95-3.99,0-4.85,1.43-4.85,3.71v3.9h7.61v10.84h-7.61v34.05h-11.22v-34.05h-5.52v-10.84h5.52v-5.42c0-7.8,4.09-11.79,13.6-11.79,3.04,0,5.52.57,8.27,1.33Z"/> <path class="g" d="M668.34,297.59l-1.62,11.41c-2.28,1.81-6.28,2.66-9.04,2.66-6.85,0-12.17-5.14-12.17-13.32v-21.78h-7.8v-10.75h7.8v-11.7l11.22-5.71v17.41h10.46v10.75h-10.46v18.83c0,3.9,1.62,5.33,4.38,5.33s5.42-1.43,7.23-3.14Z"/> <path class="g" d="M616.12,288.17c0,1.43-.1,3.23-.19,3.9h-26.25c.48,6.28,4.85,8.85,9.7,8.85,2.85,0,5.42-.86,7.7-3.14l7.99,6.75c-3.71,4.95-10.46,7.13-16.45,7.13-12.84,0-20.45-10.08-20.45-23.21s8.27-23.59,19.97-23.59c12.55,0,17.98,11.41,17.98,23.3ZM589.87,283.32h15.98c-.48-5.04-3.42-8.47-8.27-8.47-5.14,0-7.42,4.76-7.7,8.47Z"/> <path class="g" d="M572.85,288.37c0,11.51-4.76,23.3-17.5,23.3-4.95,0-7.99-1.81-9.99-3.71v13.7l-11.22,5.61v-61.44h11.22v3.04c2.95-2.66,5.99-3.99,10.18-3.99,12.08,0,17.31,11.41,17.31,23.49ZM561.24,288.94c0-6.56-1.71-13.22-8.47-13.22-3.14,0-5.61,1.43-7.42,3.99v17.12c1.81,2.57,4.85,4.09,8.08,4.09,6.28,0,7.8-5.71,7.8-11.98Z"/> <path class="g" d="M526.34,310.72h-11.22v-3.14c-2.66,2.66-6.09,4.09-10.46,4.09-8.85,0-15.79-5.71-15.79-15.6s6.75-15.12,17.5-15.12c2.85,0,5.8.38,8.75,1.81v-2.38c0-4.18-2.76-5.9-7.7-5.9-3.52,0-6.85.86-10.37,2.95l-4.47-7.99c4.85-3.04,9.51-4.57,15.5-4.57,11.32,0,18.26,5.52,18.26,15.69v30.15ZM515.11,297.59v-5.71c-2.28-1.43-5.23-1.9-7.51-1.9-4.95,0-7.32,2.19-7.32,5.8,0,3.42,2.19,6.18,6.37,6.18,2.19,0,5.99-.76,8.47-4.38Z"/> <path class="g" d="M482.68,310.72h-11.22v-24.44c0-6.09-1.33-10.56-7.61-10.56s-7.7,4.09-7.7,10.27v24.73h-11.22v-56.59l11.22-5.71v20.54c2.47-2.47,5.52-4.09,10.56-4.09,11.89,0,15.98,9.13,15.98,20.54v25.3Z"/> <path class="g" d="M438.74,292.74c0,13.51-10.27,18.93-22.45,18.93-8.75,0-18.45-2.76-23.87-10.75l8.37-7.42c3.9,4.66,9.51,6.85,15.22,6.85,6.75,0,10.65-3.04,10.65-7.32,0-1.71-.67-3.42-3.52-4.85-2.09-1.05-4.66-1.71-9.7-2.95-3.14-.76-9.61-2.28-13.6-5.52-3.99-3.23-5.14-7.89-5.14-11.98,0-12.65,10.84-17.79,21.5-17.79,9.23,0,15.88,3.8,21.21,9.23l-8.37,8.18c-3.9-3.9-7.7-6.09-13.6-6.09-5.04,0-8.75,1.62-8.75,5.8,0,1.81.67,3.04,2.47,4.09,2.09,1.14,5.04,2,9.61,3.14,5.42,1.43,10.46,2.66,14.55,5.99,3.61,2.95,5.42,6.85,5.42,12.46Z"/> <path class="g" d="M961.57,267.92l-4.58,11.22c-1.71-1.62-3.71-2.76-6.47-2.76-5.33,0-6.65,4.47-6.65,9.89v24.44h-11.22v-44.89h11.22v3.14c2.57-2.57,5.8-4.09,9.42-4.09,3.14,0,5.9.95,8.27,3.04Z"/> </g> </svg> <style> .d, .e { fill: none; } .d, .f, .g { stroke-width: 0px; } .e { stroke: #fff; stroke-miterlimit: 10; } .f { fill: #ffe600; } .h { clip-path: url(#b); } .i { clip-path: url(#c); } .g { fill: #fff; } .cmp-logo__image { fill: white; transition: all 0.3s ease-out; } #logo-container .slideIn { transition: width 0.3s ease-in-out; width: 100; } #logo-container .slideOut { transition: width 0.3s ease-in-out; width: 0; } </style> <script> class EYLogoAnimation { constructor(ele) { this.element = ele; this.firstLine = this.element.querySelector( "#ey-logo-first-line rect" ); this.secondLine = this.element.querySelector( "#ey-logo-second-line rect" ); if (this.firstLine && this.secondLine) { this.bindEvents(); this.animation(false); } } animation(scrollBool) { if (scrollBool) { if (window.scrollY == 0) { this.firstLine.setAttribute("class", "slideIn"); this.secondLine.setAttribute("class", "slideIn"); } if (window.scrollY !== 0) { this.firstLine.setAttribute("class", "slideOut"); this.secondLine.setAttribute("class", "slideOut"); } } } bindEvents() { window.addEventListener("scroll", () => { this.animation(true); }); } } document.addEventListener("DOMContentLoaded", () => { document .querySelectorAll(".cmp-logo__image") .forEach((eysvglogo) => { new EYLogoAnimation(eysvglogo); }); }); </script> </a> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="sitenav-top" class="cmp-container"> <div class="navigation"> <nav id="navigation-e3f8cbd4bd" class="cmp-navigation" itemscope itemtype="http://schema.org/SiteNavigationElement" data-cmp-data-layer="{"navigation-e3f8cbd4bd":{"@type":"ey-unified-site/components/navigation","repo:modifyDate":"2024-07-19T07:21:39Z"}}"> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-0" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-b804a2583a":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-07-11T09:18:15Z","dc:title":"Insights","xdm:linkURL":"/en_uk/insights"}}"> <a href="/en_uk/insights" data-cmp-clickable class="cmp-navigation__item-link">Insights</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-b1915a9f09":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-07-11T09:18:29Z","dc:title":"Technology","xdm:linkURL":"/en_uk/services/technology"}}"> <a href="/en_uk/services/technology" data-cmp-clickable class="cmp-navigation__item-link">Technology</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-9f2dc6354d":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-07-11T09:28:46Z","dc:title":"Transformation","xdm:linkURL":"/en_uk/transformation-realized"}}"> <a href="/en_uk/transformation-realized" data-cmp-clickable class="cmp-navigation__item-link">Transformation</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-dbccf0b041":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-07-11T09:28:56Z","dc:title":"Long-term value","xdm:linkURL":"/en_uk/services/long-term-value"}}"> <a href="/en_uk/services/long-term-value" data-cmp-clickable class="cmp-navigation__item-link">Long-term value</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-33c98aba1f":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-07-11T09:29:07Z","dc:title":"Sustainability","xdm:linkURL":"/en_uk/services/sustainability"}}"> <a href="/en_uk/services/sustainability" data-cmp-clickable class="cmp-navigation__item-link">Sustainability</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-8329aeb281":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-07-11T09:29:20Z","dc:title":"Trust","xdm:linkURL":"/en_uk/insights/trust"}}"> <a href="/en_uk/insights/trust" data-cmp-clickable class="cmp-navigation__item-link">Trust</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-e046291cf1":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-07-11T09:29:28Z","dc:title":"Purpose","xdm:linkURL":"/en_uk/insights/purpose"}}"> <a href="/en_uk/insights/purpose" data-cmp-clickable class="cmp-navigation__item-link">Purpose</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-0" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-eaec74ea57":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-14T10:33:58Z","dc:title":"Services","xdm:linkURL":"/en_uk/services"}}"> <a href="/en_uk/services" data-cmp-clickable class="cmp-navigation__item-link">Services</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-8f43982f68":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:58Z","dc:title":"Strategy by EY-Parthenon","xdm:linkURL":"/en_uk/services/strategy/parthenon"}}"> <a href="/en_uk/services/strategy/parthenon" data-cmp-clickable class="cmp-navigation__item-link">Strategy by EY-Parthenon</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-d51d16ec9e":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:32:20Z","dc:title":"Industry strategy","xdm:linkURL":"/en_uk/services/strategy/industry-strategy"}}"> <a href="/en_uk/services/strategy/industry-strategy" data-cmp-clickable class="cmp-navigation__item-link">Industry strategy</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-05f162d95d":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:32:20Z","dc:title":"Digital strategy consulting","xdm:linkURL":"/en_uk/services/strategy/digital-strategy-consulting"}}"> <a href="/en_uk/services/strategy/digital-strategy-consulting" data-cmp-clickable class="cmp-navigation__item-link">Digital strategy consulting</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-dba64f7d3e":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:32:20Z","dc:title":"Commercial strategy consulting ","xdm:linkURL":"/en_uk/services/strategy/commercial-strategy-consulting"}}"> <a href="/en_uk/services/strategy/commercial-strategy-consulting" data-cmp-clickable class="cmp-navigation__item-link">Commercial strategy consulting </a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-5d0589d392":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:32:20Z","dc:title":"Strategy consulting services","xdm:linkURL":"/en_uk/services/strategy/consulting"}}"> <a href="/en_uk/services/strategy/consulting" data-cmp-clickable class="cmp-navigation__item-link">Strategy consulting services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-00a6795aea":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:32:20Z","dc:title":"Corporate and growth strategy","xdm:linkURL":"/en_uk/services/strategy/corporate-growth-strategy"}}"> <a href="/en_uk/services/strategy/corporate-growth-strategy" data-cmp-clickable class="cmp-navigation__item-link">Corporate and growth strategy</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-d59e3b7a13":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:32:20Z","dc:title":"Transaction strategy and execution","xdm:linkURL":"/en_uk/services/strategy/transaction-strategy-execution"}}"> <a href="/en_uk/services/strategy/transaction-strategy-execution" data-cmp-clickable class="cmp-navigation__item-link">Transaction strategy and execution</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-1e662393d5":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:32:20Z","dc:title":"Restructuring and Turnaround Strategy Consulting","xdm:linkURL":"/en_uk/services/strategy/restructuring-turnaround-strategy"}}"> <a href="/en_uk/services/strategy/restructuring-turnaround-strategy" data-cmp-clickable class="cmp-navigation__item-link">Restructuring and Turnaround Strategy Consulting</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-948026123d":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:58Z","dc:title":"Consulting","xdm:linkURL":"/en_uk/services/consulting"}}"> <a href="/en_uk/services/consulting" data-cmp-clickable class="cmp-navigation__item-link">Consulting</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-ea95d0dc35":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:35:46Z","dc:title":"Customer experience","xdm:linkURL":"/en_uk/services/consulting/customer-experience"}}"> <a href="/en_uk/services/consulting/customer-experience" data-cmp-clickable class="cmp-navigation__item-link">Customer experience</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-37a6205693":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:35:46Z","dc:title":"Cyber Risk, Compliance and Resilience Services","xdm:linkURL":"/en_uk/services/consulting/cybersecurity-strategy-risk-compliance-resilience"}}"> <a href="/en_uk/services/consulting/cybersecurity-strategy-risk-compliance-resilience" data-cmp-clickable class="cmp-navigation__item-link">Cyber Risk, Compliance and Resilience Services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-04f9fb6363":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:35:46Z","dc:title":"Data and decision intelligence","xdm:linkURL":"/en_uk/services/big-data-analytics"}}"> <a href="/en_uk/services/big-data-analytics" data-cmp-clickable class="cmp-navigation__item-link">Data and decision intelligence</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-38bc126508":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:35:46Z","dc:title":"Risk consulting services","xdm:linkURL":"/en_uk/cro-risk"}}"> <a href="/en_uk/cro-risk" data-cmp-clickable class="cmp-navigation__item-link">Risk consulting services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-c1495090c3":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:35:46Z","dc:title":"Supply chain and operations","xdm:linkURL":"/en_uk/services/supply-chain"}}"> <a href="/en_uk/services/supply-chain" data-cmp-clickable class="cmp-navigation__item-link">Supply chain and operations</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-a958109f9c":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:35:46Z","dc:title":"Technology leaders’ agenda","xdm:linkURL":"/en_uk/cio"}}"> <a href="/en_uk/cio" data-cmp-clickable class="cmp-navigation__item-link">Technology leaders’ agenda</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-28e3ab93c5":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:35:46Z","dc:title":"Transformation EQ","xdm:linkURL":"/en_uk/services/consulting/transformation-eq-services-leadership-workforce-consulting"}}"> <a href="/en_uk/services/consulting/transformation-eq-services-leadership-workforce-consulting" data-cmp-clickable class="cmp-navigation__item-link">Transformation EQ</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-f7b09505a0":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:35:46Z","dc:title":"Transformation Platform","xdm:linkURL":"/en_uk/services/consulting/transformation-platform"}}"> <a href="/en_uk/services/consulting/transformation-platform" data-cmp-clickable class="cmp-navigation__item-link">Transformation Platform</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-3e9ba49a6f":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:58Z","dc:title":"People and workforce","xdm:linkURL":"/en_uk/services/workforce"}}"> <a href="/en_uk/services/workforce" data-cmp-clickable class="cmp-navigation__item-link">People and workforce</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-b1a3693378":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:45:53Z","dc:title":"Change management and experience services","xdm:linkURL":"/en_uk/services/workforce/change-management-experience"}}"> <a href="/en_uk/services/workforce/change-management-experience" data-cmp-clickable class="cmp-navigation__item-link">Change management and experience services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-36b7aad1ef":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:45:53Z","dc:title":"HR Transformation Services ","xdm:linkURL":"/en_uk/services/workforce/hr-transformation"}}"> <a href="/en_uk/services/workforce/hr-transformation" data-cmp-clickable class="cmp-navigation__item-link">HR Transformation Services </a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-2a518e4c8e":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:45:53Z","dc:title":"Integrated workforce mobility","xdm:linkURL":"/en_uk/services/workforce/integrated-workforce-mobility"}}"> <a href="/en_uk/services/workforce/integrated-workforce-mobility" data-cmp-clickable class="cmp-navigation__item-link">Integrated workforce mobility</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-9c92593b24":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:45:53Z","dc:title":"Learning and development consulting","xdm:linkURL":"/en_uk/services/workforce/learning-development-advisory"}}"> <a href="/en_uk/services/workforce/learning-development-advisory" data-cmp-clickable class="cmp-navigation__item-link">Learning and development consulting</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-196db263b1":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:45:53Z","dc:title":"Recognition and reward advisory","xdm:linkURL":"/en_uk/services/workforce/recognition-reward-advisory"}}"> <a href="/en_uk/services/workforce/recognition-reward-advisory" data-cmp-clickable class="cmp-navigation__item-link">Recognition and reward advisory</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-26b80f7b5f":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:45:53Z","dc:title":"Workforce analytics","xdm:linkURL":"/en_uk/services/workforce/workforce-analytics"}}"> <a href="/en_uk/services/workforce/workforce-analytics" data-cmp-clickable class="cmp-navigation__item-link">Workforce analytics</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-1e2c877dc0":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:58Z","dc:title":"Transactions and corporate finance","xdm:linkURL":"/en_uk/services/strategy-transactions"}}"> <a href="/en_uk/services/strategy-transactions" data-cmp-clickable class="cmp-navigation__item-link">Transactions and corporate finance</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-07efbb2050":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:41:48Z","dc:title":"Value creation, preservation and recovery","xdm:linkURL":"/content/ey-unified-site/ey-com/local/uk/en_uk/home/services/strategy-transactions/reshaping-results"}}"> <a href="/content/ey-unified-site/ey-com/local/uk/en_uk/home/services/strategy-transactions/reshaping-results" data-cmp-clickable class="cmp-navigation__item-link">Value creation, preservation and recovery</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-3a11f0a608":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:41:48Z","dc:title":"Corporate finance","xdm:linkURL":"/en_uk/services/strategy-transactions/corporate-finance"}}"> <a href="/en_uk/services/strategy-transactions/corporate-finance" data-cmp-clickable class="cmp-navigation__item-link">Corporate finance</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-9f93088dbc":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:41:48Z","dc:title":"Divestment strategy: sell and separate","xdm:linkURL":"/en_uk/services/strategy-transactions/sell-separate"}}"> <a href="/en_uk/services/strategy-transactions/sell-separate" data-cmp-clickable class="cmp-navigation__item-link">Divestment strategy: sell and separate</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-ec8a2acee7":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:41:48Z","dc:title":"Sustainability and ESG Strategy Consulting","xdm:linkURL":"/en_uk/services/strategy-transactions/sustainability-esg-strategy"}}"> <a href="/en_uk/services/strategy-transactions/sustainability-esg-strategy" data-cmp-clickable class="cmp-navigation__item-link">Sustainability and ESG Strategy Consulting</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-742b45fef3":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:41:48Z","dc:title":"M&A Advisory | Buy and Integrate","xdm:linkURL":"/en_uk/services/strategy-transactions/buy-integrate"}}"> <a href="/en_uk/services/strategy-transactions/buy-integrate" data-cmp-clickable class="cmp-navigation__item-link">M&A Advisory | Buy and Integrate</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-8fd639ca56":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:41:48Z","dc:title":"M&A integration","xdm:linkURL":"/en_uk/services/strategy-transactions/mergers-acquisitions-integration"}}"> <a href="/en_uk/services/strategy-transactions/mergers-acquisitions-integration" data-cmp-clickable class="cmp-navigation__item-link">M&A integration</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-27530bf434":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:41:48Z","dc:title":"Connected Capital Technologies: M&A technology solutions","xdm:linkURL":"/en_uk/services/strategy-transactions/connected-capital-technologies"}}"> <a href="/en_uk/services/strategy-transactions/connected-capital-technologies" data-cmp-clickable class="cmp-navigation__item-link">Connected Capital Technologies: M&A technology solutions</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-5d6ea6898a":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:41:48Z","dc:title":"Advanced analytics","xdm:linkURL":"/en_uk/services/strategy-transactions/advanced-analytics"}}"> <a href="/en_uk/services/strategy-transactions/advanced-analytics" data-cmp-clickable class="cmp-navigation__item-link">Advanced analytics</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-ce61bc06f3":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:41:48Z","dc:title":"Capital allocation","xdm:linkURL":"/en_uk/services/strategy-transactions/capital-allocation-services"}}"> <a href="/en_uk/services/strategy-transactions/capital-allocation-services" data-cmp-clickable class="cmp-navigation__item-link">Capital allocation</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-7077fd64da":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:58Z","dc:title":"Assurance","xdm:linkURL":"/en_uk/services/assurance"}}"> <a href="/en_uk/services/assurance" data-cmp-clickable class="cmp-navigation__item-link">Assurance</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-edd22c89f7":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:07Z","dc:title":"Technology Risk","xdm:linkURL":"/en_uk/services/technology-risk"}}"> <a href="/en_uk/services/technology-risk" data-cmp-clickable class="cmp-navigation__item-link">Technology Risk</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-bfa898f74c":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:07Z","dc:title":"Audit","xdm:linkURL":"/en_uk/services/audit"}}"> <a href="/en_uk/services/audit" data-cmp-clickable class="cmp-navigation__item-link">Audit</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-d4a91aeecf":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:07Z","dc:title":"Climate change and sustainability services","xdm:linkURL":"/en_uk/services/climate-change-sustainability-services"}}"> <a href="/en_uk/services/climate-change-sustainability-services" data-cmp-clickable class="cmp-navigation__item-link">Climate change and sustainability services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-9093006937":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:07Z","dc:title":"Financial accounting advisory services","xdm:linkURL":"/en_uk/services/financial-accounting-advisory-services"}}"> <a href="/en_uk/services/financial-accounting-advisory-services" data-cmp-clickable class="cmp-navigation__item-link">Financial accounting advisory services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-188e00ac1f":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:07Z","dc:title":"Forensic and Integrity Services","xdm:linkURL":"/en_uk/services/forensic-integrity-services"}}"> <a href="/en_uk/services/forensic-integrity-services" data-cmp-clickable class="cmp-navigation__item-link">Forensic and Integrity Services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-2b6d41a531":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:07Z","dc:title":"Private client audit experience","xdm:linkURL":"/en_uk/services/private-client-audit-experience"}}"> <a href="/en_uk/services/private-client-audit-experience" data-cmp-clickable class="cmp-navigation__item-link">Private client audit experience</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-b53caa9005":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:07Z","dc:title":"Long-term value metrics creation","xdm:linkURL":"/en_uk/services/long-term-value/metrics"}}"> <a href="/en_uk/services/long-term-value/metrics" data-cmp-clickable class="cmp-navigation__item-link">Long-term value metrics creation</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-d834c42a5f":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:07Z","dc:title":"IFRS","xdm:linkURL":"/en_gl/services/ifrs"}}"> <a href="/en_gl/services/ifrs" data-cmp-clickable class="cmp-navigation__item-link">IFRS</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-978d6d2326":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:58Z","dc:title":"Tax","xdm:linkURL":"/en_uk/services/tax"}}"> <a href="/en_uk/services/tax" data-cmp-clickable class="cmp-navigation__item-link">Tax</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-7a105e94e0":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:19Z","dc:title":"Tax planning","xdm:linkURL":"/en_uk/services/tax-planning"}}"> <a href="/en_uk/services/tax-planning" data-cmp-clickable class="cmp-navigation__item-link">Tax planning</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-be10ce3f2d":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:19Z","dc:title":"Tax function operations","xdm:linkURL":"/en_uk/services/tax-function-operations"}}"> <a href="/en_uk/services/tax-function-operations" data-cmp-clickable class="cmp-navigation__item-link">Tax function operations</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-d3cedb69aa":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:19Z","dc:title":"Tax policy and controversy ","xdm:linkURL":"/en_uk/services/tax-controversy-policy"}}"> <a href="/en_uk/services/tax-controversy-policy" data-cmp-clickable class="cmp-navigation__item-link">Tax policy and controversy </a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-5fa7b615c1":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:19Z","dc:title":"Global trade","xdm:linkURL":"/en_uk/insights/global-trade"}}"> <a href="/en_uk/insights/global-trade" data-cmp-clickable class="cmp-navigation__item-link">Global trade</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-d85ced03a7":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:19Z","dc:title":"Global tax reform","xdm:linkURL":"/en_uk/insights/global-tax-reform"}}"> <a href="/en_uk/insights/global-tax-reform" data-cmp-clickable class="cmp-navigation__item-link">Global tax reform</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-ac0c8aa283":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:19Z","dc:title":"Tax compliance","xdm:linkURL":"/en_uk/services/tax-compliance"}}"> <a href="/en_uk/services/tax-compliance" data-cmp-clickable class="cmp-navigation__item-link">Tax compliance</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-589d3a48a0":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:19Z","dc:title":"Transaction tax","xdm:linkURL":"/en_uk/services/strategy-transactions/transaction-tax"}}"> <a href="/en_uk/services/strategy-transactions/transaction-tax" data-cmp-clickable class="cmp-navigation__item-link">Transaction tax</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-06f2c0fa67":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:19Z","dc:title":"Tax services: Designed for private","xdm:linkURL":"/en_uk/services/tax/private-client-services"}}"> <a href="/en_uk/services/tax/private-client-services" data-cmp-clickable class="cmp-navigation__item-link">Tax services: Designed for private</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-5b781c687a":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:58Z","dc:title":"Law","xdm:linkURL":"/en_uk/services/law"}}"> <a href="/en_uk/services/law" data-cmp-clickable class="cmp-navigation__item-link">Law</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-8a11163e24":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:49:39Z","dc:title":"Corporate and commercial law","xdm:linkURL":"/en_uk/services/law/corporate-commercial"}}"> <a href="/en_uk/services/law/corporate-commercial" data-cmp-clickable class="cmp-navigation__item-link">Corporate and commercial law</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-59c3be2388":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:49:39Z","dc:title":"Digital law","xdm:linkURL":"/en_uk/services/law/digital"}}"> <a href="/en_uk/services/law/digital" data-cmp-clickable class="cmp-navigation__item-link">Digital law</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-36baa086f7":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:49:39Z","dc:title":"Labor and employment law","xdm:linkURL":"/en_uk/services/law/labor-employment"}}"> <a href="/en_uk/services/law/labor-employment" data-cmp-clickable class="cmp-navigation__item-link">Labor and employment law</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-696286d326":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:49:39Z","dc:title":"Legal operations","xdm:linkURL":"/en_uk/services/law/legal-operations"}}"> <a href="/en_uk/services/law/legal-operations" data-cmp-clickable class="cmp-navigation__item-link">Legal operations</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-cfb267d971":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:49:39Z","dc:title":"Transaction law","xdm:linkURL":"/en_uk/services/law/transaction"}}"> <a href="/en_uk/services/law/transaction" data-cmp-clickable class="cmp-navigation__item-link">Transaction law</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-488e63ec64":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:58Z","dc:title":"Technology","xdm:linkURL":"/en_uk/services/technology"}}"> <a href="/en_uk/services/technology" data-cmp-clickable class="cmp-navigation__item-link">Technology</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-b409220b2b":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:36Z","dc:title":"Technology Managed Services","xdm:linkURL":"/en_uk/services/managed-services/technology"}}"> <a href="/en_uk/services/managed-services/technology" data-cmp-clickable class="cmp-navigation__item-link">Technology Managed Services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-c433bef536":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:37Z","dc:title":"EY.ai","xdm:linkURL":"/en_uk/services/ai/platform"}}"> <a href="/en_uk/services/ai/platform" data-cmp-clickable class="cmp-navigation__item-link">EY.ai</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-19e96eb9dd":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:37Z","dc:title":"Audit technology","xdm:linkURL":"/en_uk/services/audit/technology"}}"> <a href="/en_uk/services/audit/technology" data-cmp-clickable class="cmp-navigation__item-link">Audit technology</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-b6dc86257c":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:37Z","dc:title":"Tax technology ","xdm:linkURL":"/en_uk/services/tax/technology-data"}}"> <a href="/en_uk/services/tax/technology-data" data-cmp-clickable class="cmp-navigation__item-link">Tax technology </a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-d00778d68b":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:37Z","dc:title":"Connected Capital Technologies: M&A technology solutions","xdm:linkURL":"/en_uk/services/strategy-transactions/connected-capital-technologies"}}"> <a href="/en_uk/services/strategy-transactions/connected-capital-technologies" data-cmp-clickable class="cmp-navigation__item-link">Connected Capital Technologies: M&A technology solutions</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-aee50653c1":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:37Z","dc:title":"Technology transformation","xdm:linkURL":"/en_uk/services/consulting/technology-transformation"}}"> <a href="/en_uk/services/consulting/technology-transformation" data-cmp-clickable class="cmp-navigation__item-link">Technology transformation</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-53ec949243":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:47:37Z","dc:title":"Alliances","xdm:linkURL":"/en_uk/alliances"}}"> <a href="/en_uk/alliances" data-cmp-clickable class="cmp-navigation__item-link">Alliances</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-a37c1a1059":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:58Z","dc:title":"Managed Services","xdm:linkURL":"/en_uk/services/managed-services"}}"> <a href="/en_uk/services/managed-services" data-cmp-clickable class="cmp-navigation__item-link">Managed Services</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-021d1d8a38":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:36:37Z","dc:title":"Cybersecurity managed services","xdm:linkURL":"/en_uk/services/cybersecurity/managed-services"}}"> <a href="/en_uk/services/cybersecurity/managed-services" data-cmp-clickable class="cmp-navigation__item-link">Cybersecurity managed services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-5edaec17c1":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:36:37Z","dc:title":"Financial Accounting & Corporate Reporting Managed Services","xdm:linkURL":"/en_uk/services/assurance/financial-accounting-expanded-corporate-reporting-managed-services"}}"> <a href="/en_uk/services/assurance/financial-accounting-expanded-corporate-reporting-managed-services" data-cmp-clickable class="cmp-navigation__item-link">Financial Accounting & Corporate Reporting Managed Services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-618df5f921":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:36:37Z","dc:title":"Legal managed services ","xdm:linkURL":"/en_uk/services/law/managed-services"}}"> <a href="/en_uk/services/law/managed-services" data-cmp-clickable class="cmp-navigation__item-link">Legal managed services </a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-9001dfa8ae":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:36:37Z","dc:title":"Risk managed services","xdm:linkURL":"/en_uk/services/risk/managed-services"}}"> <a href="/en_uk/services/risk/managed-services" data-cmp-clickable class="cmp-navigation__item-link">Risk managed services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-8c13464c66":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-10-11T05:40:41Z","dc:title":"Supply Chain and Operations Managed Services ","xdm:linkURL":"/en_uk/services/managed-services/supply-chain-operations"}}"> <a href="/en_uk/services/managed-services/supply-chain-operations" data-cmp-clickable class="cmp-navigation__item-link">Supply Chain and Operations Managed Services </a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-b8695731da":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:36:37Z","dc:title":"Sustainability managed services","xdm:linkURL":"/en_uk/services/managed-services/sustainability"}}"> <a href="/en_uk/services/managed-services/sustainability" data-cmp-clickable class="cmp-navigation__item-link">Sustainability managed services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-4adb75c649":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:36:37Z","dc:title":"Tax managed services ","xdm:linkURL":"/en_uk/services/tax/managed-services"}}"> <a href="/en_uk/services/tax/managed-services" data-cmp-clickable class="cmp-navigation__item-link">Tax managed services </a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-8466a837ca":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:36:37Z","dc:title":"Technology Managed Services","xdm:linkURL":"/en_uk/services/managed-services/technology"}}"> <a href="/en_uk/services/managed-services/technology" data-cmp-clickable class="cmp-navigation__item-link">Technology Managed Services</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-b0afc1ea86":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:58Z","dc:title":"EY Private","xdm:linkURL":"/en_uk/services/private-business"}}"> <a href="/en_uk/services/private-business" data-cmp-clickable class="cmp-navigation__item-link">EY Private</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-0af87c5478":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:49:11Z","dc:title":"EY Private client experience","xdm:linkURL":"/en_uk/services/private-business/client-experience"}}"> <a href="/en_uk/services/private-business/client-experience" data-cmp-clickable class="cmp-navigation__item-link">EY Private client experience</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-0aae86e94b":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:49:11Z","dc:title":"EY private client audit experience service offerings","xdm:linkURL":"/en_uk/services/assurance/private-client-audit-experience-service-offerings"}}"> <a href="/en_uk/services/assurance/private-client-audit-experience-service-offerings" data-cmp-clickable class="cmp-navigation__item-link">EY private client audit experience service offerings</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-17db1d8400":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:49:11Z","dc:title":"Tax services: Designed for private","xdm:linkURL":"/en_uk/services/tax/private-client-services"}}"> <a href="/en_uk/services/tax/private-client-services" data-cmp-clickable class="cmp-navigation__item-link">Tax services: Designed for private</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-df0931d0b8":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:49:11Z","dc:title":"Family enterprise","xdm:linkURL":"/en_uk/services/family-enterprise"}}"> <a href="/en_uk/services/family-enterprise" data-cmp-clickable class="cmp-navigation__item-link">Family enterprise</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-95762b27a1":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:49:11Z","dc:title":"IPO","xdm:linkURL":"/en_uk/services/ipo"}}"> <a href="/en_uk/services/ipo" data-cmp-clickable class="cmp-navigation__item-link">IPO</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-7b99172966":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:49:11Z","dc:title":"Entrepreneurship","xdm:linkURL":"/en_uk/services/entrepreneurship"}}"> <a href="/en_uk/services/entrepreneurship" data-cmp-clickable class="cmp-navigation__item-link">Entrepreneurship</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-027af3378e":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:58Z","dc:title":"EY Sustainability","xdm:linkURL":"/en_uk/services/sustainability/services"}}"> <a href="/en_uk/services/sustainability/services" data-cmp-clickable class="cmp-navigation__item-link">EY Sustainability</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-cc416c3562":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T09:41:47Z","dc:title":"Sustainability and ESG Strategy Consulting","xdm:linkURL":"/en_uk/services/strategy-transactions/sustainability-esg-strategy"}}"> <a href="/en_uk/services/strategy-transactions/sustainability-esg-strategy" data-cmp-clickable class="cmp-navigation__item-link">Sustainability and ESG Strategy Consulting</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-dab2aa00c4":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:44:51Z","dc:title":"Climate change and sustainability services","xdm:linkURL":"/en_uk/services/climate-change-sustainability-services"}}"> <a href="/en_uk/services/climate-change-sustainability-services" data-cmp-clickable class="cmp-navigation__item-link">Climate change and sustainability services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-b72ab1f177":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:44:51Z","dc:title":"Sustainable finance ","xdm:linkURL":"/en_uk/industries/financial-services/sustainable-finance"}}"> <a href="/en_uk/industries/financial-services/sustainable-finance" data-cmp-clickable class="cmp-navigation__item-link">Sustainable finance </a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-8cc96bf67a":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:44:51Z","dc:title":"Supply chain transformation","xdm:linkURL":"/en_uk/services/consulting/supply-chain-transformation"}}"> <a href="/en_uk/services/consulting/supply-chain-transformation" data-cmp-clickable class="cmp-navigation__item-link">Supply chain transformation</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-aa7230aee8":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:44:51Z","dc:title":"Sustainability tax services","xdm:linkURL":"/en_uk/services/tax/sustainability-tax-services"}}"> <a href="/en_uk/services/tax/sustainability-tax-services" data-cmp-clickable class="cmp-navigation__item-link">Sustainability tax services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-af7f0be715":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:44:51Z","dc:title":"Legal services","xdm:linkURL":"/en_uk/services/law/sustainability-legal-services"}}"> <a href="/en_uk/services/law/sustainability-legal-services" data-cmp-clickable class="cmp-navigation__item-link">Legal services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-e80cc6b313":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:44:51Z","dc:title":"Global renewables","xdm:linkURL":"/en_uk/industries/energy-resources/global-renewables"}}"> <a href="/en_uk/industries/energy-resources/global-renewables" data-cmp-clickable class="cmp-navigation__item-link">Global renewables</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-22c29ec049":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:44:51Z","dc:title":"Climate and decarbonization","xdm:linkURL":"/en_uk/services/assurance/climate-decarbonization"}}"> <a href="/en_uk/services/assurance/climate-decarbonization" data-cmp-clickable class="cmp-navigation__item-link">Climate and decarbonization</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-c2fe277093":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T10:44:51Z","dc:title":"Environment, Health and Safety (EHS) Services","xdm:linkURL":"/en_uk/services/environment-health-safety/services"}}"> <a href="/en_uk/services/environment-health-safety/services" data-cmp-clickable class="cmp-navigation__item-link">Environment, Health and Safety (EHS) Services</a> </li> </ul> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-0" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-68a1b12842":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:11:13Z","dc:title":"Industries","xdm:linkURL":"/en_uk/industries"}}"> <a href="/en_uk/industries" data-cmp-clickable class="cmp-navigation__item-link">Industries</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-c00d86d52c":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:11:25Z","dc:title":"Advanced manufacturing and mobility","xdm:linkURL":"/en_uk/industries/advanced-manufacturing"}}"> <a href="/en_uk/industries/advanced-manufacturing" data-cmp-clickable class="cmp-navigation__item-link">Advanced manufacturing and mobility</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-b9c35c58ab":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T09:37:40Z","dc:title":"Aerospace and defense","xdm:linkURL":"/en_uk/industries/aerospace-defense"}}"> <a href="/en_uk/industries/aerospace-defense" data-cmp-clickable class="cmp-navigation__item-link">Aerospace and defense</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-c02702191f":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T09:37:40Z","dc:title":"Automotive","xdm:linkURL":"/en_uk/industries/automotive"}}"> <a href="/en_uk/industries/automotive" data-cmp-clickable class="cmp-navigation__item-link">Automotive</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-21917d56f6":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T09:37:40Z","dc:title":"Chemicals and advanced materials","xdm:linkURL":"/en_uk/industries/chemicals"}}"> <a href="/en_uk/industries/chemicals" data-cmp-clickable class="cmp-navigation__item-link">Chemicals and advanced materials</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-411dc090a6":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T09:37:40Z","dc:title":"Future mobility","xdm:linkURL":"/en_uk/insights/emobility"}}"> <a href="/en_uk/insights/emobility" data-cmp-clickable class="cmp-navigation__item-link">Future mobility</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-1aaac6dbea":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T09:37:40Z","dc:title":"Industrial products","xdm:linkURL":"/en_uk/industries/industrial-products"}}"> <a href="/en_uk/industries/industrial-products" data-cmp-clickable class="cmp-navigation__item-link">Industrial products</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-0fc0739d3d":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T09:37:40Z","dc:title":"Mobility lens suite","xdm:linkURL":"/en_uk/industries/automotive/mobility-lens-suite"}}"> <a href="/en_uk/industries/automotive/mobility-lens-suite" data-cmp-clickable class="cmp-navigation__item-link">Mobility lens suite</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-4d0ce9c185":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T09:37:40Z","dc:title":"Transportation","xdm:linkURL":"/en_uk/industries/transportation"}}"> <a href="/en_uk/industries/transportation" data-cmp-clickable class="cmp-navigation__item-link">Transportation</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-3d5f600f45":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:11:25Z","dc:title":"Consumer","xdm:linkURL":"/en_uk/industries/consumer-products-retail"}}"> <a href="/en_uk/industries/consumer-products-retail" data-cmp-clickable class="cmp-navigation__item-link">Consumer</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-e50c1083f2":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T09:37:49Z","dc:title":"Consumer products","xdm:linkURL":"/en_uk/industries/consumer-products"}}"> <a href="/en_uk/industries/consumer-products" data-cmp-clickable class="cmp-navigation__item-link">Consumer products</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-2de6dde82c":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T09:37:49Z","dc:title":"Retail","xdm:linkURL":"/en_uk/industries/retail"}}"> <a href="/en_uk/industries/retail" data-cmp-clickable class="cmp-navigation__item-link">Retail</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-2b08607d35":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T09:37:49Z","dc:title":"The future consumer ","xdm:linkURL":"/en_uk/future-consumer-index"}}"> <a href="/en_uk/future-consumer-index" data-cmp-clickable class="cmp-navigation__item-link">The future consumer </a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-2308e5aa71":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T09:37:49Z","dc:title":"Sustainability","xdm:linkURL":"/en_uk/industries/sustainability-consumer-products-retail"}}"> <a href="/en_uk/industries/sustainability-consumer-products-retail" data-cmp-clickable class="cmp-navigation__item-link">Sustainability</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-a29fee42ae":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:11:25Z","dc:title":"Energy and resources","xdm:linkURL":"/en_uk/industries/energy-resources"}}"> <a href="/en_uk/industries/energy-resources" data-cmp-clickable class="cmp-navigation__item-link">Energy and resources</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-77937ce417":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T11:57:52Z","dc:title":"Mining & Metals – Our latest thinking","xdm:linkURL":"/en_uk/industries/mining-metals"}}"> <a href="/en_uk/industries/mining-metals" data-cmp-clickable class="cmp-navigation__item-link">Mining & Metals – Our latest thinking</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-56036335ba":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T11:57:52Z","dc:title":"Oil & Gas – Our latest thinking","xdm:linkURL":"/en_uk/industries/oil-gas"}}"> <a href="/en_uk/industries/oil-gas" data-cmp-clickable class="cmp-navigation__item-link">Oil & Gas – Our latest thinking</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-22eaca8f34":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T11:57:52Z","dc:title":"Power and utilities","xdm:linkURL":"/en_uk/industries/power-utilities"}}"> <a href="/en_uk/industries/power-utilities" data-cmp-clickable class="cmp-navigation__item-link">Power and utilities</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-4224897c90":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T11:57:52Z","dc:title":"Strategy consulting","xdm:linkURL":"/en_uk/industries/energy-resources/strategy-consulting"}}"> <a href="/en_uk/industries/energy-resources/strategy-consulting" data-cmp-clickable class="cmp-navigation__item-link">Strategy consulting</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-2a83687654":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T11:57:52Z","dc:title":"Digital navigator for mining","xdm:linkURL":"/en_uk/industries/energy-resources/mining-metals-digital-navigator"}}"> <a href="/en_uk/industries/energy-resources/mining-metals-digital-navigator" data-cmp-clickable class="cmp-navigation__item-link">Digital navigator for mining</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-f1e611be3b":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T11:57:52Z","dc:title":"Energy industry cloud for SAP solutions","xdm:linkURL":"/en_uk/alliances/sap/energy-industry-cloud-sap-solutions"}}"> <a href="/en_uk/alliances/sap/energy-industry-cloud-sap-solutions" data-cmp-clickable class="cmp-navigation__item-link">Energy industry cloud for SAP solutions</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-691c733357":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T11:57:52Z","dc:title":"Global renewables","xdm:linkURL":"/en_uk/industries/energy-resources/global-renewables"}}"> <a href="/en_uk/industries/energy-resources/global-renewables" data-cmp-clickable class="cmp-navigation__item-link">Global renewables</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-b68a1dcc20":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T11:57:52Z","dc:title":"Strategy consulting","xdm:linkURL":"/en_uk/industries/energy-resources/strategy-consulting"}}"> <a href="/en_uk/industries/energy-resources/strategy-consulting" data-cmp-clickable class="cmp-navigation__item-link">Strategy consulting</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-0cd41ecf3c":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T11:57:52Z","dc:title":"UtilityWave","xdm:linkURL":"/en_uk/industries/energy-resources/power-utilities-utilitywave"}}"> <a href="/en_uk/industries/energy-resources/power-utilities-utilitywave" data-cmp-clickable class="cmp-navigation__item-link">UtilityWave</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-2373b40ba0":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:11:25Z","dc:title":"Financial services","xdm:linkURL":"/en_uk/industries/financial-services"}}"> <a href="/en_uk/industries/financial-services" data-cmp-clickable class="cmp-navigation__item-link">Financial services</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-ce0e372ec0":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:02:08Z","dc:title":"Banking and capital markets","xdm:linkURL":"/en_uk/industries/banking-capital-markets"}}"> <a href="/en_uk/industries/banking-capital-markets" data-cmp-clickable class="cmp-navigation__item-link">Banking and capital markets</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-df2a7012e3":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:02:08Z","dc:title":"Insurance","xdm:linkURL":"/en_uk/industries/insurance"}}"> <a href="/en_uk/industries/insurance" data-cmp-clickable class="cmp-navigation__item-link">Insurance</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-c25b320823":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:02:08Z","dc:title":"Wealth and asset management","xdm:linkURL":"/en_uk/industries/wealth-asset-management"}}"> <a href="/en_uk/industries/wealth-asset-management" data-cmp-clickable class="cmp-navigation__item-link">Wealth and asset management</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-0d0f9af9d8":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:02:08Z","dc:title":"Sustainable finance","xdm:linkURL":"/en_gl/insights/sustainability-financial-services"}}"> <a href="/en_gl/insights/sustainability-financial-services" data-cmp-clickable class="cmp-navigation__item-link">Sustainable finance</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-4f0ec40e24":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:02:08Z","dc:title":"Fintech and ecosystems","xdm:linkURL":"/en_uk/industries/banking-capital-markets/fintech-ecosystems"}}"> <a href="/en_uk/industries/banking-capital-markets/fintech-ecosystems" data-cmp-clickable class="cmp-navigation__item-link">Fintech and ecosystems</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-aa28037c06":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:11:26Z","dc:title":"Government and infrastructure ","xdm:linkURL":"/en_uk/industries/government-public-sector"}}"> <a href="/en_uk/industries/government-public-sector" data-cmp-clickable class="cmp-navigation__item-link">Government and infrastructure </a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-7ebf8a9ca4":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:01Z","dc:title":"Data and technology","xdm:linkURL":"/en_uk/industries/government-public-sector/digital-government"}}"> <a href="/en_uk/industries/government-public-sector/digital-government" data-cmp-clickable class="cmp-navigation__item-link">Data and technology</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-74dd324c19":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:01Z","dc:title":"Education","xdm:linkURL":"/en_uk/industries/government-public-sector/education-services"}}"> <a href="/en_uk/industries/government-public-sector/education-services" data-cmp-clickable class="cmp-navigation__item-link">Education</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-1cfb41d9d3":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:01Z","dc:title":"Human services","xdm:linkURL":"/en_uk/industries/government-public-sector/human-social-services"}}"> <a href="/en_uk/industries/government-public-sector/human-social-services" data-cmp-clickable class="cmp-navigation__item-link">Human services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-5d35aea355":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:01Z","dc:title":"Infrastructure","xdm:linkURL":"/en_uk/insights/infrastructure"}}"> <a href="/en_uk/insights/infrastructure" data-cmp-clickable class="cmp-navigation__item-link">Infrastructure</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-741f6e9fb9":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:01Z","dc:title":"Public finance management","xdm:linkURL":"/en_uk/industries/government-public-sector/blockchain"}}"> <a href="/en_uk/industries/government-public-sector/blockchain" data-cmp-clickable class="cmp-navigation__item-link">Public finance management</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-ad2e46ba6e":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:11:26Z","dc:title":"Private equity","xdm:linkURL":"/en_uk/industries/private-equity"}}"> <a href="/en_uk/industries/private-equity" data-cmp-clickable class="cmp-navigation__item-link">Private equity</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-6e476a4d08":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:19Z","dc:title":"Digital in private equity ","xdm:linkURL":"/en_uk/industries/private-equity/digital"}}"> <a href="/en_uk/industries/private-equity/digital" data-cmp-clickable class="cmp-navigation__item-link">Digital in private equity </a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-e11adcbe54":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:19Z","dc:title":"Exit Readiness","xdm:linkURL":"/en_uk/industries/private-equity/exit-readiness-ipo"}}"> <a href="/en_uk/industries/private-equity/exit-readiness-ipo" data-cmp-clickable class="cmp-navigation__item-link">Exit Readiness</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-ac103e4141":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:19Z","dc:title":"PE deal origination","xdm:linkURL":"/en_uk/industries/private-equity/deal-origination"}}"> <a href="/en_uk/industries/private-equity/deal-origination" data-cmp-clickable class="cmp-navigation__item-link">PE deal origination</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-7c04f4a367":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:19Z","dc:title":"Private equity value creation services","xdm:linkURL":"/en_uk/industries/private-equity/value-creation"}}"> <a href="/en_uk/industries/private-equity/value-creation" data-cmp-clickable class="cmp-navigation__item-link">Private equity value creation services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-3fca5360fd":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-11-05T10:52:15Z","dc:title":"Generative AI services for private equity","xdm:linkURL":"/en_gl/industries/private-equity/generative-ai-services-for-private-equity"}}"> <a href="/en_gl/industries/private-equity/generative-ai-services-for-private-equity" data-cmp-clickable class="cmp-navigation__item-link">Generative AI services for private equity</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-c6691d02af":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:11:26Z","dc:title":"Health","xdm:linkURL":"/en_uk/industries/health"}}"> <a href="/en_uk/industries/health" data-cmp-clickable class="cmp-navigation__item-link">Health</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-dedb4d4672":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:10Z","dc:title":"Life sciences","xdm:linkURL":"/en_uk/industries/life-sciences"}}"> <a href="/en_uk/industries/life-sciences" data-cmp-clickable class="cmp-navigation__item-link">Life sciences</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-8e9d08afd9":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:10Z","dc:title":"Health","xdm:linkURL":"/en_uk/industries/health"}}"> <a href="/en_uk/industries/health" data-cmp-clickable class="cmp-navigation__item-link">Health</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-59782be4ae":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:11:26Z","dc:title":"Technology, media & entertainment and telecommunications","xdm:linkURL":"/en_uk/industries/tmt"}}"> <a href="/en_uk/industries/tmt" data-cmp-clickable class="cmp-navigation__item-link">Technology, media & entertainment and telecommunications</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-b9cf27bab6":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:32Z","dc:title":"Technology, media & entertainment and telecommunications","xdm:linkURL":"/en_uk/industries/tmt"}}"> <a href="/en_uk/industries/tmt" data-cmp-clickable class="cmp-navigation__item-link">Technology, media & entertainment and telecommunications</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-3972979e02":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:32Z","dc:title":"Technology sector","xdm:linkURL":"/en_uk/industries/tech-sector"}}"> <a href="/en_uk/industries/tech-sector" data-cmp-clickable class="cmp-navigation__item-link">Technology sector</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-8c3bb061a3":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:32Z","dc:title":"Telecommunications sector | Insights, surveys & services","xdm:linkURL":"/en_uk/industries/telecommunications"}}"> <a href="/en_uk/industries/telecommunications" data-cmp-clickable class="cmp-navigation__item-link">Telecommunications sector | Insights, surveys & services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-5b9a0cde16":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:32Z","dc:title":"As-a-service business operations and transformation","xdm:linkURL":"/en_uk/industries/tmt/aas-business-operations-transformation"}}"> <a href="/en_uk/industries/tmt/aas-business-operations-transformation" data-cmp-clickable class="cmp-navigation__item-link">As-a-service business operations and transformation</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-23a4631675":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:32Z","dc:title":"TMT business resiliency suite","xdm:linkURL":"/en_uk/industries/tmt/business-resilience"}}"> <a href="/en_uk/industries/tmt/business-resilience" data-cmp-clickable class="cmp-navigation__item-link">TMT business resiliency suite</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-e05ad775b9":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:32Z","dc:title":"Future network now","xdm:linkURL":"/en_uk/industries/tmt/future-network-now"}}"> <a href="/en_uk/industries/tmt/future-network-now" data-cmp-clickable class="cmp-navigation__item-link">Future network now</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-420d3b1a61":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T12:04:32Z","dc:title":"Capital operations and innovation suite (COInS)","xdm:linkURL":"/en_uk/industries/tmt/capital-operations-innovation-suite"}}"> <a href="/en_uk/industries/tmt/capital-operations-innovation-suite" data-cmp-clickable class="cmp-navigation__item-link">Capital operations and innovation suite (COInS)</a> </li> </ul> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-0" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-b5cc4f1c15":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:10Z","dc:title":"Careers","xdm:linkURL":"/en_uk/careers"}}"> <a href="/en_uk/careers" data-cmp-clickable class="cmp-navigation__item-link">Careers</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-a8a3971ed5":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:22Z","dc:title":"What you can do here","xdm:linkURL":"/en_uk/careers/what-you-can-do-here"}}"> <a href="/en_uk/careers/what-you-can-do-here" data-cmp-clickable class="cmp-navigation__item-link">What you can do here</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-0a5f2e0e53":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T14:34:31Z","dc:title":"Careers in Technology","xdm:linkURL":"/en_uk/careers/what-you-can-do-here/technology"}}"> <a href="/en_uk/careers/what-you-can-do-here/technology" data-cmp-clickable class="cmp-navigation__item-link">Careers in Technology</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-9d2e27622d":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T14:32:30Z","dc:title":"Careers in Assurance Services","xdm:linkURL":"/en_uk/careers/what-you-can-do-here/assurance"}}"> <a href="/en_uk/careers/what-you-can-do-here/assurance" data-cmp-clickable class="cmp-navigation__item-link">Careers in Assurance Services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-42b3304b29":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T14:32:50Z","dc:title":"Careers in Consulting","xdm:linkURL":"/en_uk/careers/what-you-can-do-here/consulting"}}"> <a href="/en_uk/careers/what-you-can-do-here/consulting" data-cmp-clickable class="cmp-navigation__item-link">Careers in Consulting</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-0742d9db9c":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T14:34:31Z","dc:title":"Careers in Strategy and Transactions","xdm:linkURL":"/en_uk/careers/what-you-can-do-here/strategy-transactions"}}"> <a href="/en_uk/careers/what-you-can-do-here/strategy-transactions" data-cmp-clickable class="cmp-navigation__item-link">Careers in Strategy and Transactions</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-313f0a8688":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T14:34:31Z","dc:title":"Careers in Tax","xdm:linkURL":"/en_uk/careers/what-you-can-do-here/tax"}}"> <a href="/en_uk/careers/what-you-can-do-here/tax" data-cmp-clickable class="cmp-navigation__item-link">Careers in Tax</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-88fd7acceb":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T14:34:31Z","dc:title":"Careers in People Advisory Services","xdm:linkURL":"/en_uk/careers/what-you-can-do-here/people-services"}}"> <a href="/en_uk/careers/what-you-can-do-here/people-services" data-cmp-clickable class="cmp-navigation__item-link">Careers in People Advisory Services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-a03369022c":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T14:34:31Z","dc:title":"Careers in Financial Services","xdm:linkURL":"/en_uk/careers/what-you-can-do-here/financial-services"}}"> <a href="/en_uk/careers/what-you-can-do-here/financial-services" data-cmp-clickable class="cmp-navigation__item-link">Careers in Financial Services</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-63fc493805":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T14:33:20Z","dc:title":"Careers in Core Business Services","xdm:linkURL":"/en_uk/careers/what-you-can-do-here/core-business-services"}}"> <a href="/en_uk/careers/what-you-can-do-here/core-business-services" data-cmp-clickable class="cmp-navigation__item-link">Careers in Core Business Services</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-b568ed5268":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:22Z","dc:title":"What it's like to work here","xdm:linkURL":"/en_uk/careers/what-its-like-to-work-here"}}"> <a href="/en_uk/careers/what-its-like-to-work-here" data-cmp-clickable class="cmp-navigation__item-link">What it's like to work here</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-43b09d6f15":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T14:58:39Z","dc:title":"Belonging at EY","xdm:linkURL":"/en_uk/careers/what-its-like-to-work-here/belong"}}"> <a href="/en_uk/careers/what-its-like-to-work-here/belong" data-cmp-clickable class="cmp-navigation__item-link">Belonging at EY</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-581bca5a69":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T15:04:46Z","dc:title":"People stories","xdm:linkURL":"/en_uk/careers/what-its-like-to-work-here/people-stories"}}"> <a href="/en_uk/careers/what-its-like-to-work-here/people-stories" data-cmp-clickable class="cmp-navigation__item-link">People stories</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-498816ef01":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T15:07:29Z","dc:title":"Personalised career development","xdm:linkURL":"/en_uk/careers/what-its-like-to-work-here/personalised-career-development"}}"> <a href="/en_uk/careers/what-its-like-to-work-here/personalised-career-development" data-cmp-clickable class="cmp-navigation__item-link">Personalised career development</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-9d1bd12d23":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T15:09:41Z","dc:title":"Rewards and benefits","xdm:linkURL":"/en_uk/careers/what-its-like-to-work-here/rewards-and-benefits"}}"> <a href="/en_uk/careers/what-its-like-to-work-here/rewards-and-benefits" data-cmp-clickable class="cmp-navigation__item-link">Rewards and benefits</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-9d8ba7f4e8":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:22Z","dc:title":"How to join us","xdm:linkURL":"/en_uk/careers/how-to-join-us"}}"> <a href="/en_uk/careers/how-to-join-us" data-cmp-clickable class="cmp-navigation__item-link">How to join us</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-24b1b1721d":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T15:19:45Z","dc:title":"How to join us","xdm:linkURL":"/en_uk/careers/how-to-join-us"}}"> <a href="/en_uk/careers/how-to-join-us" data-cmp-clickable class="cmp-navigation__item-link">How to join us</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-91d5ac6d83":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T15:22:45Z","dc:title":"Students","xdm:linkURL":"/en_uk/careers/students"}}"> <a href="/en_uk/careers/students" data-cmp-clickable class="cmp-navigation__item-link">Students</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-9bb2aeab10":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T15:25:39Z","dc:title":"Accessibility","xdm:linkURL":"/en_uk/careers/how-to-join-us/accessibility"}}"> <a href="/en_uk/careers/how-to-join-us/accessibility" data-cmp-clickable class="cmp-navigation__item-link">Accessibility</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-836cee26d7":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:22Z","dc:title":"Our locations","xdm:linkURL":"/en_uk/careers/locations"}}"> <a href="/en_uk/careers/locations" data-cmp-clickable class="cmp-navigation__item-link">Our locations</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-75dad24d5f":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T15:41:32Z","dc:title":"Our locations","xdm:linkURL":"/en_uk/careers/locations"}}"> <a href="/en_uk/careers/locations" data-cmp-clickable class="cmp-navigation__item-link">Our locations</a> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-008ca96470":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:22Z","dc:title":"Job search","xdm:linkURL":"/en_uk/careers/job-search"}}"> <a href="/en_uk/careers/job-search" data-cmp-clickable class="cmp-navigation__item-link">Job search</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-2df7719c0f":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T15:31:30Z","dc:title":"Experienced professionals","xdm:linkURL":"/en_uk/careers/what-you-can-do-here/experienced-programmes"}}"> <a href="/en_uk/careers/what-you-can-do-here/experienced-programmes" data-cmp-clickable class="cmp-navigation__item-link">Experienced professionals</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-2" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-630e33ab2a":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T15:35:01Z","dc:title":"Students","xdm:linkURL":"/en_uk/careers/students"}}"> <a href="/en_uk/careers/students" data-cmp-clickable class="cmp-navigation__item-link">Students</a> </li> </ul> </li> </ul> </li> <li class="cmp-navigation__item cmp-navigation__item--level-0" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-aa7027b602":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:30Z","dc:title":"About us","xdm:linkURL":"/en_uk/about-us"}}"> <a href="/en_uk/about-us" data-cmp-clickable class="cmp-navigation__item-link">About us</a> <ul class="cmp-navigation__group"> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-ee21d9dc7f":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:40Z","dc:title":"Our purpose","xdm:linkURL":"/en_uk/about-us#our-purpose"}}"> <a href="/en_uk/about-us#our-purpose" data-cmp-clickable class="cmp-navigation__item-link">Our purpose</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-7fd7015545":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:40Z","dc:title":"Newsroom","xdm:linkURL":"/en_uk/newsroom"}}"> <a href="/en_uk/newsroom" data-cmp-clickable class="cmp-navigation__item-link">Newsroom</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-7700fe8f4d":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:40Z","dc:title":"EY UK Impact Report 2023","xdm:linkURL":"/en_uk/about-us/impact-report"}}"> <a href="/en_uk/about-us/impact-report" data-cmp-clickable class="cmp-navigation__item-link">EY UK Impact Report 2023</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-0ce2304cf2":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:40Z","dc:title":"Our values ","xdm:linkURL":"/en_uk/about-us#our-values"}}"> <a href="/en_uk/about-us#our-values" data-cmp-clickable class="cmp-navigation__item-link">Our values </a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-ce8e1292cf":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:40Z","dc:title":"Our people","xdm:linkURL":"/en_uk/about-us#our-people"}}"> <a href="/en_uk/about-us#our-people" data-cmp-clickable class="cmp-navigation__item-link">Our people</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-acbaf33262":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:40Z","dc:title":"Locations","xdm:linkURL":"/en_uk/locations"}}"> <a href="/en_uk/locations" data-cmp-clickable class="cmp-navigation__item-link">Locations</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-8dd0c1bfae":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:40Z","dc:title":"Connect with us","xdm:linkURL":"/en_uk/about-us/connect-with-us"}}"> <a href="/en_uk/about-us/connect-with-us" data-cmp-clickable class="cmp-navigation__item-link">Connect with us</a> </li> <li class="cmp-navigation__item cmp-navigation__item--level-1" data-cmp-data-layer="{"navigation-e3f8cbd4bd-item-1af3b02ef9":{"@type":"ey-unified-site/components/navigation/item","repo:modifyDate":"2024-08-15T08:12:40Z","dc:title":"Alumni","xdm:linkURL":"/en_uk/alumni"}}"> <a href="/en_uk/alumni" data-cmp-clickable class="cmp-navigation__item-link">Alumni</a> </li> </ul> </li> </ul> </nav> </div> <div class="container responsivegrid"> <div id="sitenav-sub-wrapper-1" class="cmp-container" role="tabpanel"> <div class="container responsivegrid"> <div id="subnav-intro-wrapper-1" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-intro-title-1" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-88ba904d9a":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:04Z","xdm:text":"<h3>Insights</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>Insights</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-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 class="up-rich-text__container-content" data-up-hook-rich-text="richTextContent"> <p><a href="/en_uk/industries">See more</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> <div class="container responsivegrid"> <div id="subnav-highlights-wrapper-1" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-highlights-l3-1" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-highlights-l3-see-more-1" class="cmp-container"> <div 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"> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-highlights-wrapper-2" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-highlights-l3-2" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-highlights-l3-see-more-2" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-c4f7e72f18":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:06Z","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-2" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-b156f2651d":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:06Z","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-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" 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-3" class="cmp-container"> <div class="button"> <a class="up-button cmp-button " href="/en_uk/industries" aria-label="Explore Industries" data-cmp-clickable data-up-is="button" data-cmp-data-layer="{"button-71d309b7bf":{"@type":"ey-unified-site/components/button","repo:modifyDate":"2024-08-15T11:07:10Z","dc:title":"Explore","xdm:linkURL":"/en_uk/industries"}}" data-analytics-category="Button" data-button-type="cta" data-snippet-url="/content/ey-unified-site/ey-com/local/uk/en_uk/home/industries.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-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" 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-3" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-1a0a9c8e3c":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:08Z","xdm:text":"<h4>Case studies</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>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 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/case-studies">See all</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> </div> </div> <div class="container responsivegrid"> <div id="sitenav-sub-wrapper-4" class="cmp-container" role="tabpanel"> <div class="container responsivegrid"> <div id="subnav-intro-wrapper-4" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-intro-title-4" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-8d8eec07cd":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:10Z","xdm:text":"<h3>Careers</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>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" 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-4" class="cmp-container"> <div class="button"> <a class="up-button cmp-button " href="/en_uk/careers" aria-label="Explore Careers" data-cmp-clickable data-up-is="button" data-cmp-data-layer="{"button-3afd86e783":{"@type":"ey-unified-site/components/button","repo:modifyDate":"2024-08-15T14:18:19Z","dc:title":"Explore","xdm:linkURL":"/en_uk/careers"}}" data-analytics-category="Button" data-button-type="cta" data-snippet-url="/content/ey-unified-site/ey-com/local/uk/en_uk/home/careers.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-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" 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-4" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-0bbac4c912":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:11Z","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-4" class="cmp-container"> <div class="container responsivegrid"> <div id="container-de95b3a4d3" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-f1273aead6":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-08-15T14:27:34Z","xdm:text":"<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/careers/what-you-can-do-here/experienced-programmes.html\">Experienced careers</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/careers/students.html\">Student careers</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/careers/what-you-can-do-here/technology.html\">Technology careers</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/careers/what-its-like-to-work-here/belong.html\">Belonging at EY</a></p>\r\n<p><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/careers/parthenon/join.html\">EY-Parthenon careers</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/careers/what-you-can-do-here/experienced-programmes">Experienced careers</a></p> <p><a href="/en_uk/careers/students">Student careers</a></p> <p><a href="/en_uk/careers/what-you-can-do-here/technology">Technology careers</a></p> <p><a href="/en_uk/careers/what-its-like-to-work-here/belong">Belonging at EY</a></p> <p><a href="/en_uk/careers/parthenon/join">EY-Parthenon careers</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-cc66b2b887" class="cmp-container"> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="sitenav-sub-wrapper-5" class="cmp-container" role="tabpanel"> <div class="container responsivegrid"> <div id="subnav-intro-wrapper-5" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-intro-title-5" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-2111c930af":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:12Z","xdm:text":"<h3>About us</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>About us</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-5" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-90e38aa068":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:12Z","xdm:text":"<p>At EY, our purpose is building a better working world. The insights and services we provide help to create long-term value for clients, people and society, and to build trust in the capital markets.</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>At EY, our purpose is building a better working world. The insights and services we provide help to create long-term value for clients, people and society, and to build trust in the capital markets.</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-5" class="cmp-container"> <div class="button"> <a class="up-button cmp-button " href="/en_uk/about-us" aria-label="Explore About Us" data-cmp-clickable data-up-is="button" data-cmp-data-layer="{"button-95e5d30bc6":{"@type":"ey-unified-site/components/button","repo:modifyDate":"2024-08-15T13:27:36Z","dc:title":"Explore","xdm:linkURL":"/en_uk/about-us"}}" data-analytics-category="Button" data-button-type="cta" data-snippet-url="/content/ey-unified-site/ey-com/local/uk/en_uk/home/about-us.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-5" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-links-title-5" class="cmp-container"> <div class="rich-text text"> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-links-l2-5" class="cmp-container"> </div> </div> <div class="container responsivegrid"> <div id="subnav-links-see-more-5" class="cmp-container"> <div class="rich-text text"> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="subnav-highlights-wrapper-5" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-highlights-l3-5" class="cmp-container"> <div class="container responsivegrid"> <div id="subnav-highlights-l3-see-more-5" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-336055289e":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:13Z","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-5" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-04536adc19":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-07-12T10:21:13Z","xdm:text":"<h4>Top news</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>Top news</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-5" class="cmp-container"> <div class="eycom-tier3-casestudy"> <div class="caseStudies"> <p class="caseStudies__title">Press release</p> <p> <a href="/en_uk/newsroom/2024/11/festive-shopping-starts-but-consumers-worry-about-how-to-pay">Festive shopping starts, but consumers worry about how to finance their purchases</a> </p> <p> <span class="date">18 Nov 2024</span><a href="/en_uk/people/chris-brown">Chris Brown </a> </p> </div> <div class="caseStudies"> <p class="caseStudies__title">Press release</p> <p> <a href="/en_uk/newsroom/2024/10/ey-uk-net-revenues-grew-3-percent-in-a-challenging-market">EY UK net revenues grew 3% in a challenging market</a> </p> <p> <span class="date">24 Oct 2024</span><a href="/en_uk/people/rosanna-lander">Rosanna Lander </a> </p> </div> <div class="caseStudies"> <p class="caseStudies__title">Press release</p> <p> <a href="/en_uk/newsroom/2024/09/ey-announces-appointment-anna-anthony-as-uki-regional-managing-partner">EY announces appointment of Anna Anthony as UK & Ireland Regional Managing Partner</a> </p> <p> <span class="date">29 Sep 2024</span><a href="/en_uk/people/rosanna-lander">Rosanna Lander </a> </p> </div> </div> <div class="container responsivegrid"> <div id="container-2f156ee1df" class="cmp-container"> </div> </div> <div class="container responsivegrid"> <div id="container-c285ec03a0" class="cmp-container"> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="right-container" class="cmp-container"> <div class="up-instant-search"><div class="search" title="Open search" id="search-dd-button"> <a href="#"> <span class="up-navigation-bar__search-icon"></span> <span class="searchText">Search</span> </a> </div> <div id="search-result" class="up-instant-search" data-up-is="instant-search" data-up-analytics="instant-search" data-url="https://api-search.ey.com/usepinthi2azf04_Prod/orchestrators/search/instant_search?i=asengine-en-uk" data-locale="en_uk" data-srcsets="{imageURI}.transform/instant-search-100/img.jpg 1x,{imageURI}.transform/up-authors-and-contributors-150/img.jpg 2x,{imageURI}.transform/up-authors-and-contributors-250/img.jpg 3x" data-search-result-page="https://www.ey.com/en_uk/search"> <div class="up-instant-search__search-field"> <div class="up-instant-search__search-title"> <label for="searchInput" hidden>search</label> <input id="searchInput" type="search" placeholder="Search for insights, services and people..." autocomplete="off" data-up-hook-instant-search="searchInput" maxlength="128"/> <p class="up-instant-accessibility-hidden" data-up-hook-instant-search="searchStatus" data-result-loaded="Results are loaded!" data-no-result-loaded="No results have been found" data-result-from-topic="There are | results from topic" data-result-from-general="There are | results from general" data-result-from-people="There are | results from People"></p> <div class="material-icons up-instant-search__close-search-result"> <button aria-label="Close search" class="up-instant-search__close-icon"> close </button> </div> <div class="material-icons up-instant-search__icon-search-result"> <button class="up-instant-search__close-icon" aria-label="See all results in Search Page" data-up-hook-instant-search="searchTextButton"> search </button> </div> </div> </div> <div class="up-instant-search-result-wrapper"> <div class="up-instant-search__wrapper" data-up-hook-instant-search="searchWrapper"> <div class="up-instant-search__all-result up-instant-search__divider-enabled" data-up-hook-instant-search="searchHeader"> <a href="#" class="up-instant-search-item__value up-instant-search-item__value--results" data-up-hook-instant-search="searchAll"> <span class="up-instant-search-pretext">See all results for</span> <span class="up-instant-search__searching-text" data-up-hook-instant-search="searchTerm">' <em class="up-instant-search__searching-highlight" data-up-hook-instant-search="searchHighlight"></em>' <span id="search-filter-count"></span> </span> </a> <p class="up-instant-search-item__value up-instant-search-item__value--no-results" data-up-hook-instant-search="searchNoResult"> No results have been found </p> </div> <div class="up-instant-search__topics up-instant-search__divider-enabled" data-up-hook-instant-search="topicSearchList"> <div class="up-instant-search__header"> <p class="up-instant-search__title">Topics</p> <a data-up-hook-instant-search="topicsSeeAll" class="up-instant-search__see-all-btn" aria-label="See All Topics">See All</a> </div> <ul class="up-instant-search__body" data-up-hook-instant-search="topicsWindowTemplate"></ul> <template data-up-hook-instant-search="topicsHTMLRenderTemplate"> <li class="up-instant-search__list"> <a href="" class="up-instant-search__item--content" data-up-hook-template-instant-search="searchURL"> <span class="up-instant-search-item__value" data-up-hook-template-instant-search="searchValue"></span> </a> </li> </template> </div> <div class="up-instant-search__topics up-instant-search__divider-enabled" data-up-hook-instant-search="generalSearchList"> <div class="up-instant-search__header"> <p class="up-instant-search__title">General</p> <a data-up-hook-instant-search="generalSeeAll" class="up-instant-search__see-all-btn" aria-label="See All General">See All</a> </div> <ul class="up-instant-search__body" data-up-hook-instant-search="generalWindowTemplate"></ul> </div> <div class="up-instant-search__topics up-instant-search__divider-enabled" data-up-hook-instant-search="peopleSearchList"> <div class="up-instant-search__header"> <p class="up-instant-search__title">People</p> <a data-up-hook-instant-search="peopleSeeAll" class="up-instant-search__see-all-btn" aria-label="See All people">See All</a> </div> <ul class="up-instant-search__body" data-up-hook-instant-search="peopleWindowTemplate"> <template data-up-hook-instant-search="peopleHTMLRenderTemplate"> <li class="up-instant-search__list"> <a href="" class="up-instant-search__item--content" data-up-hook-template-instant-search="searchURL"> <div class="up-instant-search__people-image"> <img src="" srcset="" alt="" class="up-instant-search__people-image-element" data-up-hook-template-instant-search="searchImage"/> </div> <span class="up-instant-search-item__value" data-up-hook-template-instant-search="searchValue"></span> </a> </li> </template> </ul> </div> </div> <div class="search__recent"> <p class="search__recent-text">Recent Searches</p> <ul class="search__recent-list"></ul> </div> <div class="up-instant-search__trending-section"> <p class="up-instant-search__trending-section__title"> Trending </p> <ul class="up-instant-search__trending-section__list" role="list"> <li class="up-trending-section--item"> <a href="/en_uk/insights/climate-change-sustainability-services/climate-action-barometer-survey" class="up-trending-section--item__link-name"> <img src="/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" srcset="/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-200/img.jpg 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" class="up-navigation-bar__person-outline-icon"></span> <span class="myeyText" data-analytics-action-value>My EY</span> </a> <div class="hidden-iframe" style="display: none" width="0" height="0" data-iframe-Url="https://login.ey.com/myey/ey-connect"></div> </div> </div> <div class="eycom-tier3-country-selector"><div class="globe" title="Open country language switcher"> <a href="#"> <span class="up-navigation-bar__language-icon" aria-hidden="true"></span> <span class="globeText"></span> <span class="globeText-language"></span> <i class="up-navigation-bar__expand-more-icon" aria-hidden="true"></i> </a> </div> <div id="country-result" data-analytics-category="Top Navigation"> <div class="country-title"> <p>Select your location</p> <p class="material-icons close-country-result" aria-label="Close country selector language dropdown"> <button class="close-country-result">close</button> <i class="up-navigation-bar__expand-more-icon"></i> </p> </div> <input id="countryInput" type="search" placeholder="Search location..." title="Search location"/> <div class="country-search"> <div id="selectedCountry" class="country-list"></div> <div class="local-site-heading">Local sites</div> <div id="myData" class="country-list" data-analytics-label="Country Selector"></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-6fdd52de50" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-52d7863c21" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="hero-v2 cmp-container--component-e2e aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-hero hero-image hero-image-immersive "> <div class="up-image " data-up-is="image"> <div class="up-image__image" data-up-hook-image="[image]" data-aspect-ratio="1.5" style="--up-image-focal-x: 50%; --up-image-focal-y: 50%"> <div data-cmp-is="image" data-cmp-widths="100,200,300,400,500,600,700,800,900,1000,1100,1200,1600,1800,2000,2400,2700,3000,3300,3600,3840" data-cmp-src="/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width={width}&quality=85" data-asset-id="77696998-a6bf-4e6b-8994-388a0d88dd75" data-cmp-filereference="/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/images/ey-three-generation-family-having-a-good-time-at-dusk.jpg" id="image-render-400df92ed7" data-cmp-data-layer="{"image-render-400df92ed7":{"@type":"ey-unified-site/components/up-image/image-render","repo:modifyDate":"2024-04-10T10:58:33Z","dc:title":"Three generation family having a good time at dusk","image":{"repo:id":"77696998-a6bf-4e6b-8994-388a0d88dd75","repo:modifyDate":"2024-02-08T09:57:42Z","@type":"image/jpeg","repo:path":"/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/images/ey-three-generation-family-having-a-good-time-at-dusk.jpg"}}}" data-cmp-hook-image="imageV3" class="cmp-image" itemscope itemtype="http://schema.org/ImageObject"> <img src="/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&quality=85" srcset="/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=100&quality=85 100w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=200&quality=85 200w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=300&quality=85 300w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=400&quality=85 400w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=500&quality=85 500w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=600&quality=85 600w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=700&quality=85 700w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=800&quality=85 800w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=900&quality=85 900w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=1000&quality=85 1000w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=1100&quality=85 1100w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=1200&quality=85 1200w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=1600&quality=85 1600w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=1800&quality=85 1800w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=2000&quality=85 2000w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=2400&quality=85 2400w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=2700&quality=85 2700w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=3000&quality=85 3000w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=3300&quality=85 3300w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=3600&quality=85 3600w,/adobe/dynamicmedia/deliver/dm-aid--77696998-a6bf-4e6b-8994-388a0d88dd75/ey-three-generation-family-having-a-good-time-at-dusk.jpg?preferwebp=true&width=3840&quality=85 3840w" loading="lazy" class="cmp-image__image" itemprop="contentUrl" width="3840" height="2560" alt="Three generation family having a good time at dusk" title="Three generation family having a good time at dusk"/> <meta itemprop="caption" content="Three generation family having a good time at dusk"/> </div> </div> </div> <div class="cmp-hero__overlay" data-variant-type="image-immersive"> <div class="cmp-hero__content"> <div class="cmp-hero__title"> <h1 class="h1"> How life insurers are transforming to deliver value for better living </h1> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-aa06a7eb0f" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-e3baf4063c" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--tablet-portrait--12 aem-Grid--mobile--12 "> <div class="upTwoColumns component aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--offset--default--0"><div class="up-two-columns"> <div class="up-two-columns__left-container"> <div class="left-container container responsivegrid up-two-columns__left-container-top"> <div id="left-container-05db37d9f6" class="cmp-container"> <div class="aem-Grid aem-Grid--11 aem-Grid--default--11 "> <div class="up-authors-and-contributors aem-GridColumn aem-GridColumn--default--11"> <div class="up-authors-and-contributors up-authors-and-contributors--article-sidebar" data-up-analytics="authors-and-contributors" data-up-is="authors-and-contributors"> <div class="up-authors-and-contributors__author-link-wrapper" data-up-hook-authors-and-contributors="cta"> <figure class="up-authors-and-contributors__author-link-content"> <div class="up-authors-and-contributors__author-image-link-wrapper cmp-image"> <img class="cmp-image__image" src="/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/images/p/ey-patricia-davies-v2.jpg" srcset="/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/images/p/ey-patricia-davies-v2.jpg.transform/up-authors-and-contributors-150/img.jpg 1x,/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/images/p/ey-patricia-davies-v2.jpg.transform/up-authors-and-contributors-250/img.jpg 2x,/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/images/p/ey-patricia-davies-v2.jpg.transform/up-authors-and-contributors-450/img.jpg 3x" alt="Photographic portrait of Patricia Davies"/> </div> <a href="/en_uk/people/patricia-davies" data-up-hook-authors-and-contributors="authorlink" class="up-authors-and-contributors__author-name-container up-authors-and-contributors__analytics-author-link" aria-label="Patricia Davies" data-author-label="by"> Patricia Davies </a> <p class="up-authors-and-contributors__author-title">EY Global Insurance Analyst Lead, Insights</p> </figure> </div> <div class="up-authors-and-contributors__contributors"> <p class="up-authors-and-contributors__contributors-title"> Contributors </p> <ul class="up-authors-and-contributors__contributors-links"> <li class="up-authors-and-contributors__contributor-link-container"> <a class="up-authors-and-contributors__contributor-link" href="/en_uk/people/isabelle-santenac"> Isabelle Santenac</a>, </li> <li class="up-authors-and-contributors__contributor-link-container"> <a class="up-authors-and-contributors__contributor-link" href="/en_uk/people/ed-j-majkowski"> Ed Majkowski</a>, </li> <li class="up-authors-and-contributors__contributor-link-container"> <a class="up-authors-and-contributors__contributor-link" href="/en_uk/people/phil-vermeulen"> Phil Vermeulen</a>, </li> <li class="up-authors-and-contributors__contributor-link-container"> <a class="up-authors-and-contributors__contributor-link" href="/en_uk/people/anita-sun-young-bong"> Anita Sun-Young Bong Anita Sun-Young Bong</a> </li> </ul> </div> </div> </div> <div class="displaymetadata aem-GridColumn aem-GridColumn--default--11"><div> <div class="up-display-metadata-utility"> <span class="up-display-metadata-utility__content"> 6 minute read </span> <span class="up-display-metadata-utility__content"> 17 Jul 2023 </span> </div> </div> </div> <div class="surfaceTags aem-GridColumn aem-GridColumn--default--11"> <div data-cmp-data-layer="{"surfaceTags-5f684e2472":{"@type":"ey-unified-site/components/surfaceTags","repo:modifyDate":"2024-04-10T10:58:27Z"}}" data-analytics-category="Surface Tags" class="up-surface-tags"> <span class="up-surface-tags__topic-title" data-analytics-label> Related topics </span> <div class="up-surface-tags__topic-items"> <div class="up-surface-tags__topic-items-item"> <a class="cmp-button" data-analytics-link-click href="/en_uk/industries/insurance"> <span data-analytics-action-value class="cmp-button__text">Insurance</span> </a> </div> <div class="up-surface-tags__topic-items-item"> <a class="cmp-button" data-analytics-link-click href="/en_uk/industries/consumer-products"> <span data-analytics-action-value class="cmp-button__text">Consumer Products</span> </a> </div> </div> </div> </div> <div class="upSocialUtilityBar component aem-GridColumn aem-GridColumn--default--11"> <div data-up-short-url="https://go.ey.com/3zDJBMa" data-up-is="social-utility-bar" class="up-social-utility-bar" data-analytics-category="Social Utility Bar" data-cmp-data-layer="{"up-social-utility-bar-dd48c2052d":{"@type":"ey-unified-site/components/up-social-utility-bar","repo:modifyDate":"2024-04-10T10:58:27Z"}}" data-up-translation-link-copied-text="link copied to clipboard" data-up-translation-link-copy-text="Copy"> <ul class="up-social-utility-bar__list"> <li class="up-social-utility-bar__item"> <a class="up-social-utility-bar__cta" data-type-share data-analytics-event-label="SocialShare: <Facebook>" data-up-hook-social-utility-bar="[socialLinks]" href="#" data-url-pattern="https://www.facebook.com/sharer.php?u={url}&t={title}" target="_blank" aria-label="Facebook" title="Facebook" rel="noopener noreferrer"> <span aria-hidden="true" class="up-social-utility-bar__cta-icon--mask" style="--social-utility-bar-icon-url: url('\2f content\2f dam\2f ey-unified-site\2ficon\2fic_facebook.svg')"></span> <span class="up-social-utility-bar__cta-text">Facebook</span> </a> </li> <li class="up-social-utility-bar__item"> <a class="up-social-utility-bar__cta" data-type-share data-analytics-event-label="SocialShare: <Twitter>" data-up-hook-social-utility-bar="[socialLinks]" href="#" data-url-pattern="https://twitter.com/intent/tweet?text={title}&url={url}" target="_blank" aria-label="X formerly known as twitter" title="Twitter" rel="noopener noreferrer"> <span aria-hidden="true" class="up-social-utility-bar__cta-icon--mask" style="--social-utility-bar-icon-url: url('\2f content\2f dam\2f ey-unified-site\2ficon\2fic_twitter.svg')"></span> <span class="up-social-utility-bar__cta-text">Twitter</span> </a> </li> <li class="up-social-utility-bar__item"> <a class="up-social-utility-bar__cta" data-type-share data-analytics-event-label="SocialShare: <LinkedIn>" data-up-hook-social-utility-bar="[socialLinks]" href="#" data-url-pattern="http://www.linkedin.com/shareArticle?mini=true&url={url}&title={title}" target="_blank" aria-label="LinkedIn" title="LinkedIn" rel="noopener noreferrer"> <span aria-hidden="true" class="up-social-utility-bar__cta-icon--mask" style="--social-utility-bar-icon-url: url('\2f content\2f dam\2f ey-unified-site\2ficon\2fic_linkedin.svg')"></span> <span class="up-social-utility-bar__cta-text">LinkedIn</span> </a> </li> <li class="up-social-utility-bar__item"> <button class="up-social-utility-bar__cta up-social-utility-bar__cta--copy" title="Copy" data-up-hook-social-utility-bar="copy" aria-label="Copy" data-analytics-event-label="SocialShare:< Copy >"> <span class="up-social-utility-bar__cta-icon" aria-hidden="true"></span> </button> <span class="up-social-utility-bar__copied-link-popup" data-up-hook-social-utility-bar="linkCopied">Link Copied</span> </li> </ul> </div> </div> </div> </div> </div> <div class="left-container container responsivegrid up-two-columns__left-container-bottom"> <div id="left-container-f97afbd6b3" class="cmp-container"> <div class="aem-Grid aem-Grid--11 aem-Grid--default--11 "> </div> </div> </div> </div> <div class="parsys up-two-columns__right-container"><div class="rich-text text section"><div data-cmp-data-layer="{"rich-text-193d6a7fb2":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T10:58:28Z","xdm:text":"<h4><span class=\"copy-block\">New consumer needs, tech-driven disruption and societal shifts are reshaping the life, group, health insurance and retirement markets.</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">New consumer needs, tech-driven disruption and societal shifts are reshaping the life, group, health insurance and retirement markets.</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 cmp-separator--half-size section"> <div class="cmp-separator"> <hr class="cmp-separator__horizontal-rule"/> </div></div> <div class="rich-text text section"><div data-cmp-data-layer="{"rich-text-8499a68e4a":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T10:58:28Z","xdm:text":"<h5><span class=\"copy-block\"><b>In brief</b></span><br>\r\n</h5>\r\n<ul>\r\n<li><span class=\"copy-block\">Huge savings and health insurance gaps, profound shifts in employment and aging populations are fundamentally changing the rules of retirement.</span></li>\r\n<li><span class=\"copy-block\">Insurers, banks, wealth managers and employee benefits providers are competing on financial wellness, which all types of consumers increasingly want.<br>\r\n </span></li>\r\n<li><span class=\"copy-block\">By enriching the value proposition, simplifying products and expanding access, the industry can drive growth, serve more customers and meet societal needs.</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"> <h5><span class="copy-block"><b>In brief</b></span><br /> </h5> <ul><li><span class="copy-block">Huge savings and health insurance gaps, profound shifts in employment and aging populations are fundamentally changing the rules of retirement.</span></li><li><span class="copy-block">Insurers, banks, wealth managers and employee benefits providers are competing on financial wellness, which all types of consumers increasingly want.<br /> </span></li><li><span class="copy-block">By enriching the value proposition, simplifying products and expanding access, the industry can drive growth, serve more customers and meet societal needs.</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 cmp-separator--half-size section"> <div class="cmp-separator"> <hr class="cmp-separator__horizontal-rule"/> </div></div> <div class="nested-tile section"><div class="content"> <div class="height-control"></div> <div class="nestedTileSec nestedTile-parsys rightAlign large"> <div id="nested-tile-container-8f514f9b30" 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"> <p><span style=""><span class="drop-cap">W</span>ill “life insurance” as traditionally defined, still exist in the next 12-15 years? Given rising customer demand for financial wellness, longer lifespans, the emergence of the gig economy and the unlikelihood of traditional retirement for huge numbers of consumers, the question is not at all far-fetched.</span></p> <p> </p> <p>Indeed, it is the focus of <u><a href="/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/documents/ey-nextwave-insurance-life-retirement-group-2023.pdf" target="_blank" rel="noopener noreferrer">our latest NextWave Insurance report</a></u>, which is focused on the life, group and health insurance and retirement sectors.</p> <p> </p> <p>Certainly, in the mid-2030s, people will still need the protections that life insurance has historically provided. But any firm that continues to think of life insurance in the same old ways risks irrelevance in the very near term. While life, group and health insurance and retirement sectors vary by country, a few common themes apply to major global markets, including the need to engage customers more frequently, adopt better technology and develop new business models and distribution channels (including ecosystems).</p> <p> </p> <p>Our report highlights both the profound forces reshaping the market today and the key capabilities insurers and other firms need to develop or access through partners if they are to thrive in the future. It also provides inspiration by highlighting the companies around the world that are pointing the way forward through bold and creative innovations.</p> <p> </p> <p><b>Envisioning the customer journey – from early days to retirement(s) </b></p> <p> </p> <p><span style="">As ever, customers dictate the future of the industry. Their needs, objectives and even aspirations should inform and inspire the growth strategies and innovation agenda for all industry stakeholders. Advisors and regulators are stakeholders so important that it’s useful – even desirable – to view them as customers, too.</span></p> <p> </p> <p><span style="">Enabling technology and strong partnerships will allow insurers to execute on holistic value propositions via deeper and more meaningful engagement with more types of customers, including women, who are currently underserved and will control a greater proportion of wealth in the future.</span><br /> </p> <p> </p> <p>Ecosystems will soon become the most effective models because insurers simply cannot go it alone in meeting consumers’ evolving needs across critical life stages. The group insurance and employer benefits market is already showing the upside of ecosystems. Insurers around the world have orchestrated ecosystems to expand their offerings and meet diversifying needs, particularly in the realm of mental health and holistic wellbeing.</p> <p> </p> <p>The focus should be on solutions that combine protection, savings and investments and are designed to flex as customer needs expand and evolve across five critical life stages.</p> <p> </p> <p><b>1. Getting started on financial wellness</b></p> <p> </p> <p>Insurers, annuity providers and other firms have long recognized the need to engage younger consumers but have largely struggled to make the connection. The first step is to demonstrate the value of insurance relative to financial goals besides retirement savings. Meeting the rising post-COVID demand for protections against short-term economic shocks (e.g., the loss of income or unexpected hospitalization) is one opportunity.</p> <p> </p> <p>Portable micro-policies and lifestyle insurance that evolve over time would suit many young people just starting their working lives. To gain traction, insurers must ensure they offer individuals full digital experiences through their mobile phones and that brokers and advisors are motivated to build and grow relationships with individuals with few assets to invest. </p> </div> </div> </div> <div class="inlinefigurestrip section"> <div class="inline-figure-strip" data-final-number="36%"> <div class="aem-Grid aem-Grid--12 inline-figure-strip-flex"> <div class="cmp-inline-figure-strip-wrapper"> <div class="cmp-inline-figure__label"> <span class="up-cmp-inline-figure__label-text">Proportion of Gen Z consumers in US who say they need less than $250,000 to retire</span> </div> <div class="cmp-inline-figure__figures" aria-hidden="true">36%</div> <div><span class="cmp-inline-figure__context">Source: Harris, Northwestern Mutual</span></div> </div> </div> </div> </div> <div class="rich-text text section"><div data-cmp-data-layer="{"rich-text-2dbfcbac23":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T10:58:29Z","xdm:text":"<p><span class=\"copy-block\"><b>3. Caring for loved ones and family</b><br>\r\n</span></p>\r\n<p><span class=\"copy-block\">Changes to family and household structures and uncertain macroeconomic conditions have created new savings and protection needs for consumers worldwide. Gaps in health insurance coverage and the social safety net mean that more people are serving as caregivers.</span></p>\r\n<p><span class=\"copy-block\">Women who have to look out for both their children and elderly parents feel less financially secure in the long term. That’s true despite their making most of the household decisions about discretionary spending, having a significant influence on financial planning and taking on responsibility for more assets. As wealth is being transferred to women, they are engaging more but don’t feel well-served by the industry. Better solutions and more personalized services designed for the unique needs of women are another opportunity for the industry.</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"><b>3. Caring for loved ones and family</b><br /> </span></p> <p><span class="copy-block">Changes to family and household structures and uncertain macroeconomic conditions have created new savings and protection needs for consumers worldwide. Gaps in health insurance coverage and the social safety net mean that more people are serving as caregivers.</span></p> <p><span class="copy-block">Women who have to look out for both their children and elderly parents feel less financially secure in the long term. That’s true despite their making most of the household decisions about discretionary spending, having a significant influence on financial planning and taking on responsibility for more assets. As wealth is being transferred to women, they are engaging more but don’t feel well-served by the industry. Better solutions and more personalized services designed for the unique needs of women are another opportunity for the industry.</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="inlinefigurestrip section"> <div class="inline-figure-strip" data-final-number="47%"> <div class="aem-Grid aem-Grid--12 inline-figure-strip-flex"> <div class="cmp-inline-figure-strip-wrapper"> <div class="cmp-inline-figure__label"> <span class="up-cmp-inline-figure__label-text">Workers covered by at least one social protection benefit</span> </div> <div class="cmp-inline-figure__figures" aria-hidden="true">47%</div> <div><span class="cmp-inline-figure__context">Source: International Labour Organization</span></div> </div> </div> </div> </div> <div class="rich-text text section"><div data-cmp-data-layer="{"rich-text-1121372eeb":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T10:58:29Z","xdm:text":"<p><span class=\"copy-block\"><b>4. Instilling financial resilience</b></span></p>\r\n<p><span class=\"copy-block\">Increased financial resilience is a common theme across all consumer groups, and that’s value that insurers can ultimately deliver via savings, investment and income-protection products and solutions that support different goals –&nbsp;rainy-day or emergency savings, home improvements, “a family trip of a lifetime,” accumulating assets for a comfortable retirement, or funding a sabbatical.</span></p>\r\n<p><span class=\"copy-block\">Again, flexibility in product design is key, such as retirement savings and pension plans that allow shifting levels of withdrawals and close monitoring of drawdowns. For some segments, the emphasis will be on providing access to advisory services via ecosystem partnerships. To promote financial confidence and resilience, consumers will be looking for holistic views of their financial situation via intuitive dashboards that integrate data from checking and savings accounts, investment positions, insurance policies, employee benefits plans and other sources.</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"><b>4. Instilling financial resilience</b></span></p> <p><span class="copy-block">Increased financial resilience is a common theme across all consumer groups, and that’s value that insurers can ultimately deliver via savings, investment and income-protection products and solutions that support different goals – rainy-day or emergency savings, home improvements, “a family trip of a lifetime,” accumulating assets for a comfortable retirement, or funding a sabbatical.</span></p> <p><span class="copy-block">Again, flexibility in product design is key, such as retirement savings and pension plans that allow shifting levels of withdrawals and close monitoring of drawdowns. For some segments, the emphasis will be on providing access to advisory services via ecosystem partnerships. To promote financial confidence and resilience, consumers will be looking for holistic views of their financial situation via intuitive dashboards that integrate data from checking and savings accounts, investment positions, insurance policies, employee benefits plans and other sources.</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="inlinefigurestrip section"> <div class="inline-figure-strip" data-final-number="60%"> <div class="aem-Grid aem-Grid--12 inline-figure-strip-flex"> <div class="cmp-inline-figure-strip-wrapper"> <div class="cmp-inline-figure__label"> <span class="up-cmp-inline-figure__label-text">Proportion of UK wealth to be in women’s hands by 2025</span> </div> <div class="cmp-inline-figure__figures" aria-hidden="true">60%</div> <div><span class="cmp-inline-figure__context">Source: Barclays Bank</span></div> </div> </div> </div> </div> <div class="rich-text text section"><div data-cmp-data-layer="{"rich-text-50455acd22":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T10:58:29Z","xdm:text":"<p><span class=\"copy-block\"><b>4. Instilling financial resilience</b></span></p>\r\n<p><span class=\"copy-block\">Increased financial resilience is a common theme across all consumer groups, and that’s value that insurers can ultimately deliver via savings, investment and income-protection products and solutions that support different goals –&nbsp;rainy-day or emergency savings, home improvements, “a family trip of a lifetime,” accumulating assets for a comfortable retirement, or funding a sabbatical.</span></p>\r\n<p><span class=\"copy-block\">Again, flexibility in product design is key, such as retirement savings and pension plans that allow shifting levels of withdrawals and close monitoring of drawdowns. For some segments, the emphasis will be on providing access to advisory services via ecosystem partnerships. To promote financial confidence and resilience, consumers will be looking for holistic views of their financial situation via intuitive dashboards that integrate data from checking and savings accounts, investment positions, insurance policies, employee benefits plans and other sources.</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"><b>4. Instilling financial resilience</b></span></p> <p><span class="copy-block">Increased financial resilience is a common theme across all consumer groups, and that’s value that insurers can ultimately deliver via savings, investment and income-protection products and solutions that support different goals – rainy-day or emergency savings, home improvements, “a family trip of a lifetime,” accumulating assets for a comfortable retirement, or funding a sabbatical.</span></p> <p><span class="copy-block">Again, flexibility in product design is key, such as retirement savings and pension plans that allow shifting levels of withdrawals and close monitoring of drawdowns. For some segments, the emphasis will be on providing access to advisory services via ecosystem partnerships. To promote financial confidence and resilience, consumers will be looking for holistic views of their financial situation via intuitive dashboards that integrate data from checking and savings accounts, investment positions, insurance policies, employee benefits plans and other sources.</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="inlinefigurestrip section"> <div class="inline-figure-strip" data-final-number="70%"> <div class="aem-Grid aem-Grid--12 inline-figure-strip-flex"> <div class="cmp-inline-figure-strip-wrapper"> <div class="cmp-inline-figure__label"> <span class="up-cmp-inline-figure__label-text">Global consumers interested in products that pay three months of income in the event of a job loss</span> </div> <div class="cmp-inline-figure__figures" aria-hidden="true">70%</div> <div><span class="cmp-inline-figure__context">Source: EY Global Insurance Consumer Survey</span></div> </div> </div> </div> </div> <div class="rich-text text section"><div data-cmp-data-layer="{"rich-text-e82c833a40":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T10:58:29Z","xdm:text":"<p><span class=\"copy-block\"><b>5. Making the most of payouts and benefits</b></span></p>\r\n<p><span class=\"copy-block\">The payout of life insurance claims and the maturation of annuities are clear opportunities for insurers to build deeper relationships with beneficiaries. Advisors worry about losing this business, too. Insurers can keep beneficiaries engaged by reaching out proactively with timely guidance long before claims are paid and then provide a clear, non-stressful wealth transfer experience when they are paid.</span></p>\r\n<p><span class=\"copy-block\">Insurers engaged in strong ecosystems can expand their offerings to include access to life coaching and grief counseling. Smart decumulation strategies and multigenerational advice for managing inheritances are attractive to growing numbers of customers. Those services can help insurers engage with their customers’ families long before claims need to be paid.</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"><b>5. Making the most of payouts and benefits</b></span></p> <p><span class="copy-block">The payout of life insurance claims and the maturation of annuities are clear opportunities for insurers to build deeper relationships with beneficiaries. Advisors worry about losing this business, too. Insurers can keep beneficiaries engaged by reaching out proactively with timely guidance long before claims are paid and then provide a clear, non-stressful wealth transfer experience when they are paid.</span></p> <p><span class="copy-block">Insurers engaged in strong ecosystems can expand their offerings to include access to life coaching and grief counseling. Smart decumulation strategies and multigenerational advice for managing inheritances are attractive to growing numbers of customers. Those services can help insurers engage with their customers’ families long before claims need to be paid.</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="inlinefigurestrip section"> <div class="inline-figure-strip" data-final-number="59%"> <div class="aem-Grid aem-Grid--12 inline-figure-strip-flex"> <div class="cmp-inline-figure-strip-wrapper"> <div class="cmp-inline-figure__label"> <span class="up-cmp-inline-figure__label-text">Advisors concerned that they could lose business as wealth transfers between generations</span> </div> <div class="cmp-inline-figure__figures" aria-hidden="true">59%</div> <div><span class="cmp-inline-figure__context">Source: Schroders Annual Advisor Survey 2022</span></div> </div> </div> </div> </div> <div class="container responsivegrid section"> <div id="container-9ef7b3d275" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="resources aem-GridColumn aem-GridColumn--default--12"><div> <div class="up-resources__full-width" data-analytics-category="Button"> <h3 class="up-resources__full-width-title" data-analytics-label>Download the NextWave Insurance: Life, Retirement and Group report</h3> <div class="up-resources__full-width-button-container"> <a data-analytics-link-click data-analytics-action-label="ey-nextwave-insurance-life-retirement-group-2023.pdf" data-analytics-action-value="ey-nextwave-insurance-life-retirement-group-2023.pdf" data-resource-title="Download the NextWave Insurance: Life, Retirement and Group report" class="up-resources__full-width-button" href="/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/documents/ey-nextwave-insurance-life-retirement-group-2023.pdf" target="_blank" title=" ey-nextwave-insurance-life-retirement-group-2023.pdf"><span class="up-resources__full-width-button-label">PDF</span> <span class="up-resources__full-width-button-size">(3 MB)</span> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="rich-text text aem-GridColumn--default--none aem-GridColumn--tablet-portrait--none aem-GridColumn--tablet-portrait--12 aem-GridColumn--offset--tablet-portrait--0 aem-GridColumn--mobile--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--mobile--12 aem-GridColumn--offset--mobile--0"><div data-cmp-data-layer="{"rich-text-7dc4108b10":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-04-10T10:58:30Z","xdm:text":"<h4><span class=\"copy-block\">Summary&nbsp;</span></h4>\r\n<p><span class=\"copy-block\">Because customer preferences and priorities have changed, almost everything else in the insurance industry must change. Necessary transformations will affect not just life insurance and retirement savings products, but also go-to-market approaches and distribution networks, organizational models and performance metrics. For firms that get it right, customer relationships will become both deeper and longer and, in many cases, last a lifetime.</span></p>\r\n<p><span class=\"copy-block\">So what is it that customers want? Increased financial security and, ultimately, happier and healthier lives. “Financial solutions for better living” – perhaps that’s how life insurance will be known in 2030.</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">Summary </span></h4> <p><span class="copy-block">Because customer preferences and priorities have changed, almost everything else in the insurance industry must change. Necessary transformations will affect not just life insurance and retirement savings products, but also go-to-market approaches and distribution networks, organizational models and performance metrics. For firms that get it right, customer relationships will become both deeper and longer and, in many cases, last a lifetime.</span></p> <p><span class="copy-block">So what is it that customers want? Increased financial security and, ultimately, happier and healthier lives. “Financial solutions for better living” – perhaps that’s how life insurance will be known in 2030.</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="container responsivegrid theme-dark cmp-container--theme-dark cmp-container--component-e2e aem-GridColumn aem-GridColumn--default--12"> <div id="container-0319ce2497" 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 up-authors-and-contributors--single-author" 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"> <div class="up-authors-and-contributors__author-link-wrapper" data-up-hook-authors-and-contributors="cta"> <figure class="up-authors-and-contributors__author-link-content"> <div class="up-authors-and-contributors__author-image-link-wrapper cmp-image"> <img class="cmp-image__image" src="/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/images/p/ey-patricia-davies-v2.jpg" srcset="/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/images/p/ey-patricia-davies-v2.jpg.transform/up-authors-and-contributors-150/img.jpg 1x,/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/images/p/ey-patricia-davies-v2.jpg.transform/up-authors-and-contributors-250/img.jpg 2x,/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/images/p/ey-patricia-davies-v2.jpg.transform/up-authors-and-contributors-450/img.jpg 3x" alt="Photographic portrait of Patricia Davies"/> </div> <div> <a href="/en_uk/people/patricia-davies" data-up-hook-authors-and-contributors="authorlink" class="up-authors-and-contributors__author-name-container up-authors-and-contributors__analytics-author-link"> Patricia Davies </a> <div class="up-authors-and-contributors__author-title"> EY Global Insurance Analyst Lead, Insights </div> <div class="up-authors-and-contributors__author-title-introductory-text"> Passionate insurance insights manager. Formula One fan. Adventurer. </div> </div> </figure> </div> </div> <div class="up-authors-and-contributors__contributors"> <p class="up-authors-and-contributors__contributors-title"> Contributors </p> <ul class="up-authors-and-contributors__contributors-links"> <li class="up-authors-and-contributors__contributor-link-container"> <a class="up-authors-and-contributors__contributor-link" href="/en_uk/people/isabelle-santenac"> Isabelle Santenac</a>, </li> <li class="up-authors-and-contributors__contributor-link-container"> <a class="up-authors-and-contributors__contributor-link" href="/en_uk/people/ed-j-majkowski"> Ed Majkowski</a>, </li> <li class="up-authors-and-contributors__contributor-link-container"> <a class="up-authors-and-contributors__contributor-link" href="/en_uk/people/phil-vermeulen"> Phil Vermeulen</a>, </li> <li class="up-authors-and-contributors__contributor-link-container"> <a class="up-authors-and-contributors__contributor-link" href="/en_uk/people/anita-sun-young-bong"> Anita Sun-Young Bong Anita Sun-Young Bong</a> </li> </ul> </div> </div> <div class="up-authors-and-contributors__tags-and-social-container"> <div class="up-authors-and-contributors__article-tags-container"> <div class="related-topics surfaceTags"> <div data-cmp-data-layer="{"surfaceTags-1476f12432":{"@type":"ey-unified-site/components/surfaceTags"}}" data-analytics-category="Surface Tags" class="up-surface-tags"> <span class="up-surface-tags__topic-title" data-analytics-label> Related topics </span> <div class="up-surface-tags__topic-items"> <div class="up-surface-tags__topic-items-item"> <a class="cmp-button" data-analytics-link-click href="/en_uk/industries/insurance"> <span data-analytics-action-value class="cmp-button__text">Insurance</span> </a> </div> <div class="up-surface-tags__topic-items-item"> <a class="cmp-button" data-analytics-link-click href="/en_uk/industries/consumer-products"> <span data-analytics-action-value class="cmp-button__text">Consumer Products</span> </a> </div> </div> </div> </div> </div> <div class="upSocialUtilityBar component"> <div data-up-short-url="https://go.ey.com/3zDJBMa" data-up-is="social-utility-bar" class="up-social-utility-bar" data-analytics-category="Social Utility Bar" data-cmp-data-layer="{"up-social-utility-bar-c7e5691ead":{"@type":"ey-unified-site/components/up-social-utility-bar"}}" data-up-translation-link-copied-text="link copied to clipboard" data-up-translation-link-copy-text="Copy"> <ul class="up-social-utility-bar__list"> <li class="up-social-utility-bar__item"> <a class="up-social-utility-bar__cta" data-type-share data-analytics-event-label="SocialShare: <Facebook>" data-up-hook-social-utility-bar="[socialLinks]" href="#" data-url-pattern="https://www.facebook.com/sharer.php?u={url}&t={title}" target="_blank" aria-label="Facebook" title="Facebook" rel="noopener noreferrer"> <span aria-hidden="true" class="up-social-utility-bar__cta-icon--mask" style="--social-utility-bar-icon-url: url('\2f content\2f dam\2f ey-unified-site\2ficon\2fic_facebook.svg')"></span> <span class="up-social-utility-bar__cta-text">Facebook</span> </a> </li> <li class="up-social-utility-bar__item"> <a class="up-social-utility-bar__cta" data-type-share data-analytics-event-label="SocialShare: <Twitter>" data-up-hook-social-utility-bar="[socialLinks]" href="#" data-url-pattern="https://twitter.com/intent/tweet?text={title}&url={url}" target="_blank" aria-label="X formerly known as twitter" title="Twitter" rel="noopener noreferrer"> <span aria-hidden="true" class="up-social-utility-bar__cta-icon--mask" style="--social-utility-bar-icon-url: url('\2f content\2f dam\2f ey-unified-site\2ficon\2fic_twitter.svg')"></span> <span class="up-social-utility-bar__cta-text">Twitter</span> </a> </li> <li class="up-social-utility-bar__item"> <a class="up-social-utility-bar__cta" data-type-share data-analytics-event-label="SocialShare: <LinkedIn>" data-up-hook-social-utility-bar="[socialLinks]" href="#" data-url-pattern="http://www.linkedin.com/shareArticle?mini=true&url={url}&title={title}" target="_blank" aria-label="LinkedIn" title="LinkedIn" rel="noopener noreferrer"> <span aria-hidden="true" class="up-social-utility-bar__cta-icon--mask" style="--social-utility-bar-icon-url: url('\2f content\2f dam\2f ey-unified-site\2ficon\2fic_linkedin.svg')"></span> <span class="up-social-utility-bar__cta-text">LinkedIn</span> </a> </li> <li class="up-social-utility-bar__item"> <button class="up-social-utility-bar__cta up-social-utility-bar__cta--copy" title="Copy" data-up-hook-social-utility-bar="copy" aria-label="Copy" data-analytics-event-label="SocialShare:< Copy >"> <span class="up-social-utility-bar__cta-icon" aria-hidden="true"></span> </button> <span class="up-social-utility-bar__copied-link-popup" data-up-hook-social-utility-bar="linkCopied">Link Copied</span> </li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="upContentGrid component aem-GridColumn aem-GridColumn--default--12"><div> <div class="up-content-grid up-content-grid--default" id="up-content-grid-410febf2f3" data-up-is="content-grid" data-up-analytics="content-grid" data-up-total-item-count="3"> <h2 class="up-content-grid__title">Related content</h2> <div class="up-content-grid__list" data-up-hook-content-grid="list"> <div class="up-content-grid__list-item " data-up-hook-content-grid="[listItem]"> <a class="up-content-grid__list-item-image-link" aria-hidden="true" href="/en_uk/insights/insurance/commercial-insurance-and-reinsurance-four-focal-points-for-leaders" tabindex="-1"> <img class="up-content-grid__list-item-image" src="/content/dam/ey-unified-site/ey-com/en-gl/industries/insurance/images/ey-aerial-view-of-cityscape-with-clouds.jpg" srcset="/content/dam/ey-unified-site/ey-com/en-gl/industries/insurance/images/ey-aerial-view-of-cityscape-with-clouds.jpg.transform/up-img-width-small-screen/img.jpg 1x,/content/dam/ey-unified-site/ey-com/en-gl/industries/insurance/images/ey-aerial-view-of-cityscape-with-clouds.jpg.transform/up-img-width-large-screen/img.jpg 2x,/content/dam/ey-unified-site/ey-com/en-gl/industries/insurance/images/ey-aerial-view-of-cityscape-with-clouds.jpg.transform/up-img-width-xlarge-screen/img.jpg 3x" alt="Aerial view of cityscape with clouds"/> </a> <div class="up-content-grid__list-item-details"> <p class="up-content-grid__list-item-title"> <a class="up-content-grid__list-item-title-link" href="/en_uk/insights/insurance/commercial-insurance-and-reinsurance-four-focal-points-for-leaders">Four focal points for commercial insurance and reinsurance leaders</a> </p> <p class="up-content-grid__list-item-description"> Shifting customer expectations and a focus on value are reshaping the dynamic commercial and reinsurance markets. Learn more. </p> <i class="up-content-grid__list-item-event-icon" aria-hidden="true"></i> <div class="up-content-grid__list-item-tagline"> <template data-up-hook-content-grid="[userFacingDateTemplate]"> <div data-up-translation-localtime-label="your local time" data-up-date-user="2023-03-16T00:00:00.000Z"></div> </template> <span data-up-hook-content-grid="userFacingDate" class="up-content-grid__list-item-tagline-publish-date"></span> <a class="up-content-grid__list-item-tagline-author-link" href="/en_uk/people/simon-burtwell">Simon Burtwell</a> </div> </div> </div> <div class="up-content-grid__list-item " data-up-hook-content-grid="[listItem]"> <a class="up-content-grid__list-item-image-link" aria-hidden="true" href="/en_uk/insights/insurance/nine-customer-types-defining-the-next-wave-of-insurance" tabindex="-1"> <img class="up-content-grid__list-item-image" src="/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/images/ey-father-and-daughter-washing-car.jpg" srcset="/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/images/ey-father-and-daughter-washing-car.jpg.transform/up-img-width-small-screen/img.jpg 1x,/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/images/ey-father-and-daughter-washing-car.jpg.transform/up-img-width-large-screen/img.jpg 2x,/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/images/ey-father-and-daughter-washing-car.jpg.transform/up-img-width-xlarge-screen/img.jpg 3x" alt="Father and daughters washing car"/> </a> <div class="up-content-grid__list-item-details"> <p class="up-content-grid__list-item-title"> <a class="up-content-grid__list-item-title-link" href="/en_uk/insights/insurance/nine-customer-types-defining-the-next-wave-of-insurance">Nine customer types defining the next wave of insurance</a> </p> <p class="up-content-grid__list-item-description"> Shifting consumer needs are an invitation for insurers to innovate in pursuit of growth and to stay ahead of new competitive threats. Read more. </p> <i class="up-content-grid__list-item-event-icon" aria-hidden="true"></i> <div class="up-content-grid__list-item-tagline"> <template data-up-hook-content-grid="[userFacingDateTemplate]"> <div data-up-translation-localtime-label="your local time" data-up-date-user="2022-09-20T00:00:00.000Z"></div> </template> <span data-up-hook-content-grid="userFacingDate" class="up-content-grid__list-item-tagline-publish-date"></span> <a class="up-content-grid__list-item-tagline-author-link" href="/en_uk/people/chris-raimondo">Chris Raimondo</a> </div> </div> </div> <div class="up-content-grid__list-item " data-up-hook-content-grid="[listItem]"> <a class="up-content-grid__list-item-image-link" aria-hidden="true" href="/en_uk/insights/insurance/global-insurance-industry-trends" tabindex="-1"> <img class="up-content-grid__list-item-image" src="/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/images/ey-father-and-son-on-a-bicycle-lane.jpg" srcset="/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/images/ey-father-and-son-on-a-bicycle-lane.jpg.transform/up-img-width-small-screen/img.jpg 1x,/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/images/ey-father-and-son-on-a-bicycle-lane.jpg.transform/up-img-width-large-screen/img.jpg 2x,/content/dam/ey-unified-site/ey-com/en-gl/insights/insurance/images/ey-father-and-son-on-a-bicycle-lane.jpg.transform/up-img-width-xlarge-screen/img.jpg 3x" alt="Father and son on a bicycle lane"/> </a> <div class="up-content-grid__list-item-details"> <p class="up-content-grid__list-item-title"> <a class="up-content-grid__list-item-title-link" href="/en_uk/insights/insurance/global-insurance-industry-trends">How increased trust and transparency can unlock growth</a> </p> <p class="up-content-grid__list-item-description"> Explore the EY Global Insurance Industry Outlook. Learn more. </p> <i class="up-content-grid__list-item-event-icon" aria-hidden="true"></i> <div class="up-content-grid__list-item-tagline"> <template data-up-hook-content-grid="[userFacingDateTemplate]"> <div data-up-translation-localtime-label="your local time" data-up-date-user="2023-11-29T00:00:00.000Z"></div> </template> <span data-up-hook-content-grid="userFacingDate" class="up-content-grid__list-item-tagline-publish-date"></span> <a class="up-content-grid__list-item-tagline-author-link" href="/en_uk/people/isabelle-santenac">Isabelle Santenac</a> <span class="up-content-grid__list-item-tagline-authors-count" title="EdMajkowski, Anita Sun-YoungBong, PhilVermeulen">+ 3</span> </div> </div> </div> </div> <div class="up-content-grid__pagination" data-up-hook-content-grid="pagination"> <button class="up-content-grid__pagination-previous" data-up-hook-content-grid="paginationPrevious"> <i class="up-content-grid__pagination-previous-icon" aria-hidden="true"></i> <span class="up-content-grid__pagination-previous-label">Previous</span> </button> <ul class="up-content-grid__pagination-list" data-up-hook-content-grid="paginationList"></ul> <button class="up-content-grid__pagination-next" data-up-hook-content-grid="paginationNext"> <i class="up-content-grid__pagination-next-icon" aria-hidden="true"> </i> <span class="up-content-grid__pagination-next-label">Next</span> </button> </div> <template data-up-hook-content-grid="paginationListItemTemplate"> <li class="up-content-grid__pagination-list-item" data-up-aria-label-selected-page="Current Selection page {0} button" data-up-aria-label="Switch to page {0}"> <button class="up-content-grid__pagination-list-item-button" data-up-hook-template-content-grid="paginationListItemButton"></button> <span class="up-content-grid__pagination-list-item-span" data-up-hook-template-content-grid="paginationListItemSpan"></span> </li> </template> </div> <div class="pinned-container pinned-grid-container"> </div> </div> </div> </div> </div> </div> <div class="page-metadata-content aem-GridColumn aem-GridColumn--default--12"><div class="up-page-metadata-content" data-up-is="page-metadata-content" data-content-tier="content-tier:tier-3" data-article-author="/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/n/nicole-michaels,/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/p/patricia-davies" data-article-contributors="/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/i/isabelle-santenac,/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/e/ed-j-majkowski,/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/p/phil-vermeulen,/content/dam/content-fragments/ey-unified-site/ey-com/people/global/en/a/anita-sun-young-bong" data-article-publish-date="23 Jan 2024" data-buyer-group-audience="buyer-group-audience:c-suite-or-board-level" data-primary-buyer-focus=" primary-buyer-focus:chief-executive-officer" data-buyer-based-fop="buyer-field-of-play:technology" data-ey-area="area:global" data-ey-region="region:global" data-program="program:no-program" data-topic="topic:insurance,topic:consumer-products" data-industry-market="industry-market:financial-services" data-sector="sector:insurance" data-article-read-time="6"> </div> </div> <div class="pagemetadata-core aem-GridColumn aem-GridColumn--default--12"><div data-up-is="page-metadata-core" data-template="Article" data-page-type="basic"> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div id="footer" class="cmp-experiencefragment cmp-experiencefragment--footer"> <div id="footer-ey-content" class="cmp-container"> <div class="container responsivegrid"> <div id="footer-ey-separator" class="cmp-container"> <div class="separator"> <div class="cmp-separator"> <hr class="cmp-separator__horizontal-rule"/> </div></div> </div> </div> <div class="container responsivegrid"> <div id="footer-ey-logo-image-1" class="cmp-container" aria-label="EY logo"> <div class="upSvgImage component"><div data-up-is="svg-image" class="up-svg-image"> <span class="sr-only">EY logo</span> <?xml version="1.0" encoding="UTF-8"?> <svg xmlns="http://www.w3.org/2000/svg" version="1.1" viewBox="0 0 1000 1088.75" height="100"> <defs> <style> </style> </defs>  <g> <g id="Artwork"> <g> <polygon class="cls-1" points="876.73 0 215.94 241.17 876.73 124.45 876.73 0"/> <path class="cls-2" d="M321.96,543.65h120.86v-70.18h-120.86v-55.16h133.7l-44.36-76.88h-189.59v334.25h267.39v-76.88h-167.15v-55.15ZM667.07,341.44l-56.78,109.08-56.64-109.08h-110.83l116.78,202.22v132.03h99.94v-132.03l116.94-202.22h-109.41ZM778.65,1050.08c0,2.35-.16,5.32-.31,6.42h-44.77c.78,10.33,7.83,14.56,15.81,14.56,4.7,0,9.08-1.41,12.84-5.17l13.15,11.11c-6.89,8.61-17.38,11.74-26.77,11.74-21.6,0-33.97-16.59-33.97-38.35,0-23.64,14.56-38.67,32.72-38.67,19.41,0,31.31,17.06,31.31,38.35ZM733.88,1042.1h26.3c-.63-8.3-5.95-13.93-13.46-13.93-8.92,0-12.37,7.83-12.84,13.93ZM1000,1050.08c0,2.35-.16,5.32-.31,6.42h-44.77c.78,10.33,7.83,14.56,15.81,14.56,4.7,0,9.08-1.41,12.84-5.17l13.15,11.11c-6.89,8.61-17.38,11.74-26.77,11.74-21.6,0-33.97-16.59-33.97-38.35,0-23.64,14.56-38.67,32.72-38.67,19.41,0,31.31,17.06,31.31,38.35ZM955.23,1042.1h26.3c-.63-8.3-5.95-13.93-13.46-13.93-8.92,0-12.37,7.83-12.84,13.93ZM917.97,1060.88l12.21,11.58c-6.26,7.98-14.87,16.28-29.43,16.28-20.19,0-35.07-16.12-35.07-38.35,0-20.35,12.37-38.67,35.38-38.67,13.15,0,22.23,5.95,28.96,15.97l-12.52,12.68c-4.38-5.79-9.08-10.33-16.59-10.33-10.18,0-15.5,8.61-15.5,20.04,0,10.64,4.7,20.19,15.65,20.19,6.73,0,12.37-3.6,16.91-9.39ZM747.65,938.15h-18.16v-5.17c-4.07,4.54-10.64,6.73-17.22,6.73-19.1,0-26.3-13.78-26.3-33.66v-41.8h18.47v40.23c0,10.02,2.04,17.53,12.37,17.53s12.37-7.83,12.37-16.91v-40.86h18.47v73.89ZM805.26,916.55l-2.66,18.79c-3.76,2.97-10.64,4.38-15.18,4.38-11.27,0-20.04-8.45-20.04-21.92v-35.85h-10.64v-17.69h10.64v-19.25l18.47-9.39v28.65h17.53v17.69h-17.53v31c0,6.42,2.66,8.77,7.2,8.77s9.24-2.35,12.21-5.17ZM524.73,938.15h-18.47v-40.23c0-10.02-2.19-17.38-12.52-17.38s-12.68,6.73-12.68,16.91v40.7h-18.47v-93.14l18.47-9.39v33.81c4.07-4.07,9.08-6.73,17.38-6.73,19.57,0,26.3,15.03,26.3,33.81v41.64ZM854.41,1087.18h-19.1v-40.23c0-10.33-2.35-17.22-12.68-17.22-9.71,0-12.84,5.79-12.84,16.75v40.7h-19.1v-73.89h19.1v5.01c3.91-3.91,9.71-6.57,18-6.57,20.04,0,26.61,15.5,26.61,33.66v41.8ZM615.53,1006.88c6.11,0,10.96-4.85,10.96-10.96s-4.85-10.96-10.96-10.96-10.96,4.85-10.96,10.96,4.85,10.96,10.96,10.96ZM127.43,1006.88c6.11,0,10.96-4.85,10.96-10.96s-4.85-10.96-10.96-10.96-10.96,4.85-10.96,10.96,4.85,10.96,10.96,10.96ZM1000,901.05c0,2.35-.16,5.32-.31,6.42h-44.77c.78,10.33,7.83,14.56,15.81,14.56,4.7,0,9.08-1.41,12.84-5.17l13.15,11.11c-6.89,8.61-17.38,11.74-26.77,11.74-21.6,0-33.97-16.59-33.97-38.35,0-23.64,14.56-38.67,32.72-38.67,19.41,0,31.31,17.06,31.31,38.35ZM955.23,893.07h26.3c-.63-8.3-5.95-13.93-13.46-13.93-8.92,0-12.37,7.83-12.84,13.93ZM875.55,938.15h-18.16v-5.17c-4.07,4.54-10.64,6.73-17.22,6.73-19.1,0-26.3-13.78-26.3-33.66v-41.8h18.47v40.23c0,10.02,2.04,17.53,12.37,17.53s12.37-7.83,12.37-16.91v-40.86h18.47v73.89ZM598.15,901.05c0,2.35-.16,5.32-.31,6.42h-44.77c.78,10.33,7.83,14.56,15.81,14.56,4.7,0,9.08-1.41,12.84-5.17l13.15,11.11c-6.89,8.61-17.38,11.74-26.77,11.74-21.6,0-33.97-16.59-33.97-38.35,0-23.64,14.56-38.67,32.72-38.67,19.41,0,31.31,17.06,31.31,38.35ZM553.38,893.07h26.3c-.63-8.3-5.95-13.93-13.46-13.93-8.92,0-12.37,7.83-12.84,13.93ZM703.19,1087.18h-19.1v-4.85c-6.26,4.54-10.02,6.42-16.75,6.42-21.29,0-30.37-18.47-30.37-39.14,0-22.39,10.64-37.88,29.9-37.88,6.42,0,12.52,1.72,17.22,5.95v-23.64l19.1-9.55v102.69ZM684.1,1064.33v-28.18c-4.07-4.38-7.98-6.42-13.31-6.42-11.11,0-13.78,8.77-13.78,19.25,0,11.9,3.44,21.76,14.25,21.76,5.32,0,9.08-2.35,12.84-6.42ZM605.82,1013.29v73.89h19.1v-73.89h-19.1ZM594.71,987v15.34c-2.82-.94-6.57-1.41-9.39-1.41-5.48,0-7.98,1.72-7.98,6.42v5.95h15.81v17.85h-15.81v56.04h-19.1v-56.04h-10.33v-17.85h10.33v-8.92c0-13.78,8.61-19.41,22.54-19.41,4.07,0,10.02.47,13.93,2.04ZM538.51,1087.18h-19.1v-40.23c0-10.33-2.35-17.22-12.68-17.22-9.71,0-12.84,5.79-12.84,16.75v40.7h-19.1v-73.89h19.1v5.01c3.91-3.91,9.71-6.57,18-6.57,20.04,0,26.61,15.5,26.61,33.66v41.8ZM428.77,1011.73c-21.29,0-34.6,16.75-34.6,38.51,0,22.86,14.56,38.51,34.6,38.51s34.6-15.65,34.6-38.51-13.31-38.51-34.6-38.51ZM428.77,1070.28c-12.21,0-14.87-11.74-14.87-20.04,0-11.43,4.7-20.19,14.87-20.19s14.87,8.77,14.87,20.19c0,8.3-2.66,20.04-14.87,20.04ZM375.7,1060.88l12.21,11.58c-6.26,7.98-14.87,16.28-29.43,16.28-20.19,0-35.07-16.12-35.07-38.35,0-20.35,12.37-38.67,35.38-38.67,13.15,0,22.23,5.95,28.96,15.97l-12.52,12.68c-4.38-5.79-9.08-10.33-16.59-10.33-10.18,0-15.5,8.61-15.5,20.04,0,10.64,4.7,20.19,15.65,20.19,6.73,0,12.37-3.6,16.91-9.39ZM276.93,1087.18h-19.1v-40.23c0-10.33-2.35-17.22-12.68-17.22-9.71,0-12.99,5.79-12.99,16.75v40.7h-19.1v-93.14l19.1-9.55v33.81c3.6-4.38,11.11-6.57,18.47-6.57,19.41,0,26.3,15.34,26.3,33.66v41.8ZM201.31,1064.95l-2.82,19.25c-3.91,3.13-13.31,4.54-18.32,4.54-11.58,0-19.88-9.24-19.88-22.07v-35.54h-12.84v-17.85h12.84v-19.25l19.1-9.55v28.8h21.6v17.85h-21.6v30.37c0,6.73,2.5,8.92,7.04,8.92s11.58-2.35,14.87-5.48ZM117.88,1013.29v73.89h19.1v-73.89h-19.1ZM107.86,1013.29l-23.32,73.89h-17.53l-12.52-44.93-12.68,44.93h-17.53L1.1,1013.29h21.29l11.11,42.89,12.52-42.89h17.38l12.52,42.89,11.27-42.89h20.66ZM681.28,838.12v15.18c-4.23-1.1-7.04-1.57-9.55-1.57-6.57,0-7.98,2.35-7.98,6.11v6.42h12.52v17.85h-12.52v56.04h-18.47v-56.04h-9.08v-17.85h9.08v-8.92c0-12.84,6.73-19.41,22.39-19.41,5.01,0,9.08.94,13.62,2.19ZM454.13,916.55l-2.66,18.79c-3.76,2.97-10.33,4.38-14.87,4.38-11.27,0-20.04-8.45-20.04-21.92v-35.85h-12.84v-17.69h12.84v-19.25l18.47-9.39v28.65h17.22v17.69h-17.22v31c0,6.42,2.66,8.77,7.2,8.77s8.92-2.35,11.9-5.17ZM368.19,901.05c0,2.35-.16,5.32-.31,6.42h-43.21c.78,10.33,7.98,14.56,15.97,14.56,4.7,0,8.92-1.41,12.68-5.17l13.15,11.11c-6.11,8.14-17.22,11.74-27.08,11.74-21.13,0-33.66-16.59-33.66-38.2s13.62-38.82,32.87-38.82c20.66,0,29.59,18.79,29.59,38.35ZM324.98,893.07h26.3c-.78-8.3-5.64-13.93-13.62-13.93-8.45,0-12.21,7.83-12.68,13.93ZM296.96,901.37c0,18.94-7.83,38.35-28.8,38.35-8.14,0-13.15-2.97-16.44-6.11v22.54l-18.47,9.24v-101.13h18.47v5.01c4.85-4.38,9.86-6.57,16.75-6.57,19.88,0,28.49,18.79,28.49,38.67ZM277.86,902.3c0-10.8-2.82-21.76-13.93-21.76-5.17,0-9.24,2.35-12.21,6.57v28.18c2.97,4.23,7.98,6.73,13.31,6.73,10.33,0,12.84-9.39,12.84-19.72ZM220.41,938.15h-18.47v-5.17c-4.38,4.38-10.02,6.73-17.22,6.73-14.56,0-25.99-9.39-25.99-25.67s11.11-24.89,28.8-24.89c4.7,0,9.55.63,14.4,2.97v-3.91c0-6.89-4.54-9.71-12.68-9.71-5.79,0-11.27,1.41-17.06,4.85l-7.36-13.15c7.98-5.01,15.65-7.51,25.52-7.51,18.63,0,30.06,9.08,30.06,25.83v49.62ZM201.94,916.55v-9.39c-3.76-2.35-8.61-3.13-12.37-3.13-8.14,0-12.05,3.6-12.05,9.55,0,5.64,3.6,10.18,10.49,10.18,3.6,0,9.86-1.25,13.93-7.2ZM148.56,938.15h-18.47v-40.23c0-10.02-2.19-17.38-12.52-17.38s-12.68,6.73-12.68,16.91v40.7h-18.47v-93.14l18.47-9.39v33.81c4.07-4.07,9.08-6.73,17.38-6.73,19.57,0,26.3,15.03,26.3,33.81v41.64ZM76.24,908.57c0,22.23-16.91,31.15-36.94,31.15C24.89,939.72,8.92,935.18,0,922.03l13.78-12.21c6.42,7.67,15.65,11.27,25.05,11.27,11.11,0,17.53-5.01,17.53-12.05,0-2.82-1.1-5.64-5.79-7.98-3.44-1.72-7.67-2.82-15.97-4.85-5.17-1.25-15.81-3.76-22.39-9.08-6.57-5.32-8.45-12.99-8.45-19.72,0-20.82,17.85-29.27,35.38-29.27,15.18,0,26.14,6.26,34.91,15.18l-13.78,13.46c-6.42-6.42-12.68-10.02-22.39-10.02-8.3,0-14.4,2.66-14.4,9.55,0,2.97,1.1,5.01,4.07,6.73,3.44,1.88,8.3,3.29,15.81,5.17,8.92,2.35,17.22,4.38,23.95,9.86,5.95,4.85,8.92,11.27,8.92,20.51ZM936.76,867.71l-7.54,18.47c-2.82-2.66-6.11-4.54-10.64-4.54-8.77,0-10.94,7.36-10.94,16.28v40.23h-18.47v-73.89h18.47v5.17c4.23-4.23,9.55-6.73,15.5-6.73,5.17,0,9.71,1.57,13.62,5.01Z"/> </g> </g> </g> </svg> <style> .cls-1 { fill: #ffe600; } .cls-2 { fill: #2e2e38; } </style> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="footer-ey-text-link-list-1" class="cmp-container"> <div class="rich-text text"><div data-cmp-data-layer="{"rich-text-9a7fe5668a":{"@type":"ey-unified-site/components/rich-text","repo:modifyDate":"2024-08-15T13:28:17Z","xdm:text":"<ul>\r\n<li><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/legal-and-privacy.html\">Legal and privacy</a></li>\r\n<li><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/legal-and-privacy/ey-modern-slavery-statement.html\">Modern slavery statement</a></li>\r\n<li><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/about-us/connect-with-us.html\">Connect with us</a></li>\r\n<li><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/locations.html\">Our locations</a></li>\r\n<li><a href=\"https://login.ey.com/\">My EY</a></li>\r\n<li><a href=\"/content/ey-unified-site/ey-com/local/uk/en_uk/home/functional/sitemap.html\">Site map</a></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"> <ul><li><a href="/en_uk/legal-and-privacy">Legal and privacy</a></li><li><a href="/en_uk/legal-and-privacy/ey-modern-slavery-statement">Modern slavery statement</a></li><li><a href="/en_uk/about-us/connect-with-us">Connect with us</a></li><li><a href="/en_uk/locations">Our locations</a></li><li><a href="https://login.ey.com/">My EY</a></li><li><a href="/en_uk/functional/sitemap">Site map</a></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> </div> <div class="container responsivegrid"> <div id="footer-ey-social-links" class="cmp-container"> <div class="upSocialMediaLinks component"> <div id="up-social-links-7a5b509197" data-up-is="social-media-links" data-up-email-url="https://www.ey.com/en_gl/functional/forms/marketo-form" data-up-modal-title="Email modal" data-up-phone-list-open="Open phone numbers of " data-up-phone-list-close="Close phone numbers of " class="up-social-media-links"> <ul class="up-social-media-links__list" data-up-hook-social-media-links="socialContainerWrapper"> <li class="up-social-media-links__item"> <a class="up-social-media-links__cta" href="http://www.facebook.com/pages/Ernst-Young/195665063800329" title="Open Facebook profile" target="_blank" rel="noopener noreferrer"> <span aria-hidden="true" class="up-social-media-links__cta-icon--mask" style="--social-media-links-icon-url: url('\2f content\2f dam\2f ey-unified-site\2ficon\2fic_facebook.svg')"></span> <span aria-hidden="true" class="up-social-media-links__cta-text">Open Facebook profile</span> </a> </li> <li class="up-social-media-links__item"> <a class="up-social-media-links__cta" href="http://twitter.com/EYnews" title="Open X profile" target="_blank" rel="noopener noreferrer"> <span aria-hidden="true" class="up-social-media-links__cta-icon--mask" style="--social-media-links-icon-url: url('\2f content\2f dam\2f ey-unified-site\2ficon\2fic_twitter.svg')"></span> <span aria-hidden="true" class="up-social-media-links__cta-text">Open X profile</span> </a> </li> <li class="up-social-media-links__item"> <a class="up-social-media-links__cta" href="https://www.linkedin.com/company/1073" title="Open LinkedIn profile" target="_blank" rel="noopener noreferrer"> <span aria-hidden="true" class="up-social-media-links__cta-icon--mask" style="--social-media-links-icon-url: url('\2f content\2f dam\2f ey-unified-site\2ficon\2fic_linkedin.svg')"></span> <span aria-hidden="true" class="up-social-media-links__cta-text">Open LinkedIn profile</span> </a> </li> <li class="up-social-media-links__item"> <a class="up-social-media-links__cta" href="http://www.youtube.com/ernstandyoungglobal" title="Open Youtube profile" target="_blank" rel="noopener noreferrer"> <span aria-hidden="true" class="up-social-media-links__cta-icon--mask" style="--social-media-links-icon-url: url('\2f content\2f dam\2f ey-unified-site\2ficon\2fic_youtube.svg')"></span> <span aria-hidden="true" class="up-social-media-links__cta-text">Open Youtube profile</span> </a> </li> </ul> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="footer-ey-text-note-1" class="cmp-container"> <div class="text"> <div data-cmp-data-layer="{"text-adf13d3b91":{"@type":"ey-unified-site/components/text","repo:modifyDate":"2024-07-12T10:34:58Z","xdm:text":"<p>EY refers to the global organization, and may refer to one or more, of the member firms of Ernst &amp; Young Global Limited, each of which is a separate legal entity. Ernst &amp; Young Global Limited, a UK company limited by guarantee, does not provide services to clients.</p>\r\n"}}" class="cmp-text"> <p>EY refers to the global organization, and may refer to one or more, of the member firms of Ernst & Young Global Limited, each of which is a separate legal entity. Ernst & Young Global Limited, a UK company limited by guarantee, does not provide services to clients.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <dialog class="up-modal" role="dialog" data-up-is="modal"> <button class="up-modal__close" type="button" data-up-hook-modal="closeButton"> <span class="up-modal__close-text">modal-close-button</span> <span class="up-modal__close-icon" aria-hidden="true"></span> </button> <div class="up-modal__content-container" data-up-hook-modal="contentContainer"> <div class="up-modal__content" data-up-hook-modal="content"></div> </div> </dialog> <script src="/etc.clientlibs/ey-unified-site/clientlibs/clientlib-ey-default.lc-fe7bec14f02385594e685c999dd800a7-lc.min.js"></script> <script src="/etc.clientlibs/ey-unified-site/clientlibs/clientlib-default-light.lc-07de5813a4ad66ac69d0313de11f5ef7-lc.min.js"></script> <input type="hidden" id="currentPage" name="currentPage" value="/content/ey-unified-site/ey-com/local/uk/en_uk/home/insights/insurance/how-life-insurers-are-transforming-to-deliver-value-for-better-living"/> <div id="cookie-modal" class="cookie-modal" style="display: none" data-dnt-group=" " data-cookie-all-group=" " data-domain=".ey.com" data-whitelist=" " data-save-to-global=" " data-globaldomain=" " data-global-checksum=" " data-cookie-domain-path=" " data-cookie-update-date=" " data-current-site=" " analytics-button-type=" " data-analytics-category="Consent Banner" data-cookie-policy-path="/en_uk/legal-and-privacy/cookie-policy"></div> <div class="siteSwitch-content" data-marketurl="en_uk" data-site-switcher-json-path="/content/dam/ey-unified-site/site-resources/ey-com/countrylanguageswitcher.json" style="display: none"> <button class="siteSwitch-button" data-hidden-time="9"> Welcome to <strong>EY uk (en)</strong> </button> <div class="automatic-siteSwitch" data-hidden-time="3"> You are visiting EY uk (en) </div> <div> <span class="selectedcountry">uk</span> <span class="selectedlanguage">en</span> </div> </div> <script type="text/javascript"> if ("undefined" !== typeof _satellite && _satellite) { _satellite.pageBottom(); } </script> </body> </html>

CINXE.COM

How life insurers are transforming to deliver value for better living | EY - UK