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Financial services industry

Helping financial services organizations manage risk and embrace innovation

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Financial services
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RSM and the financial services industry

Financial services organizations operate in an environment shaped by evolving regulations, changing customer expectations, economic uncertainty and accelerating technology adoption. Institutions must balance growth objectives with effective risk management while continuing to modernize operations and deliver value to stakeholders.

RSM brings a deep understanding of the financial services industry and the issues affecting banking and capital markets, specialty finance companies, asset managers, fintech organizations, insurance companies and other market participants. Our professionals help organizations respond to change, improve performance and build resilience through assurance, tax and consulting services.

Financial services industry trends

Financial services organizations are navigating a period of significant transformation. New technologies, evolving regulatory expectations and evolving customer demands are reshaping business models and operating strategies. Institutions that take a proactive approach to risk, modernization and talent development may be better positioned to compete and adapt.

Key financial services industry trends and issues include:

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Technology modernization and innovation 

Many organizations are accelerating efforts to modernize core systems, migrate to cloud-based platforms and improve data quality. These investments are intended to create more efficient operations, support real-time decision making and establish a stronger foundation for future innovation.

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Artificial intelligence and automation

Financial services firms are moving beyond AI experimentation and embedding intelligent automation into fraud detection, compliance monitoring, customer service, software development and operational workflows. Realizing value from AI requires strong data governance, clear oversight and responsible implementation practices.

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Digital assets, payments and investment innovation

Stablecoins, tokenization, real-time payments, private credit and evergreen fund structures are influencing how capital is deployed and how financial transactions occur. As these markets evolve, organizations are evaluating opportunities to expand product offerings while managing liquidity, valuation, regulatory and operational considerations.

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Risk management, regulatory compliance and operational resilience

Financial services organizations navigate complex regulatory requirements while managing cybersecurity threats, fraud, data privacy expectations and third-party risk. As supervisory scrutiny evolves, institutions are strengthening governance, compliance and resilience programs to protect critical operations and maintain stakeholder confidence.

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Growth and profitability

Economic uncertainty, changing customer expectations and increased competition are prompting financial services organizations to reevaluate growth strategies. Companies are exploring new products, markets and strategic partnerships while focusing on operational performance, customer experience and long-term value creation.

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Talent, workforce and operating model transformation

Financial services organizations continue to face workforce capacity constraints as experienced professionals retire, employee expectations evolve and demand for specialized skills continues. Institutions are investing in workforce planning, process redesign, automation and AI-enabled productivity tools to improve efficiency, preserve institutional knowledge and support sustainable growth while maintaining service quality and regulatory compliance.

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Financial services industry outlook

RSM’s The Real Economy: Industry Outlook for financial services provides insights into the major trends shaping the financial services industry throughout the year. In recent editions, our senior analysts have examined regulatory changes affecting financial institutions, the rapid expansion of evergreen fund structures and how capital markets organizations are adapting to retail investor growth.

Services and solutions for the financial services industry

Financial services organizations need advisors who understand the broader business landscape and the industry-specific challenges they face. RSM combines industry knowledge with multidisciplinary capabilities to help clients address complex business, operational, regulatory and technology priorities.

Our teams work with organizations throughout their lifecycles, from emerging startup companies to established institutions. We help clients navigate change, identify opportunities and make decisions grounded in practical business insights.

Address evolving operational, regulatory and enterprise risks with strategies that strengthen governance, improve resiliency and support informed decision making.

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Financial services industry insights and case studies
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FAQs

The financial services industry encompasses organizations that manage, move, invest, lend and protect money. It includes banks, asset managers, insurance companies, capital markets organizations, specialty finance firms and fintech companies that provide products and services to consumers, businesses and institutional investors.

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