is the banking and securities research leader at the Deloitte Center or Financial Services, where he is responsible or driving the Center’s banking and securities research platorms and delivering world-class research or our clients. Srinivas has more than 15 years o experience in research and marketing strategy in the credit, asset management, wealth management, risk tech-nology, and ﬁnancial inormation markets. Beore joining Deloitte, he was the head o marketing strategy in the institutional advisory group at Morgan Stanley Investment Management. Prior to his work at Morgan Stanley, he spent more than nine years leading the global market research and competitive intelligence unction at Standard & Poor’s. Srinivas’s last piece or Deloitte University Press was
Mobile ﬁnancial services: Raising the bar on customer engagement.
is the lead market insights analyst at the Deloitte Center or Financial Services, where he covers the banking and securities sector. Zagone specializes in strategic and perormance issues at commercial and retail banks. Prior to joining Deloitte, he worked on regulatory reorm and mac-roeconomic research at the American Bankers Association. He later managed the communication strategy or the association’s housing policy priorities. His last publication assessed the competitive threat o Bitcoin and other cryptocurrencies.
is an assistant manager with the banking and securities team o the Deloitte Center or Financial Services. Over the last eight years, she has been involved in various banking and secu-rities research projects. Speciﬁcally, Terattil is ocused on analyzing the impact o technological innovations on the ﬁnancial marketplace. Her last publication was on how ﬁnancial institutions can transorm cybersecurity strategies to counter the evolving threat landscape.
About the authors