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Churn is an increasingly thorny challenge for SVOD providers, with a fifth of users having cancelled a service in the past year. However, half of cancellations are only temporary.
Deloitte · 2023 · industry_trends
Churn is an increasingly thorny challenge for SVOD providers, with a fifth of users having cancelled a service in the past year. However, half of cancellations are only temporary.
21% — SVOD churn rate
 Cost challenges are driving cancellations of SVOD
Deloitte · 2023 · industry_trends
Cost challenges are driving cancellations of SVOD
28% — Cancellation reasons
 Free streaming services remain crucial, the bedrock of UK video consumption
Deloitte · 2023 · industry_trends
Free streaming services remain crucial, the bedrock of UK video consumption
88% — Streaming service usage
 SVOD account sharing is mainstream
Deloitte · 2023 · industry_trends
SVOD account sharing is mainstream
35% — SVOD account sharing rate
 For each major SVOD platform, two in five users on average are sharing the cost
Deloitte · 2023 · market_landscape
For each major SVOD platform, two in five users on average are sharing the cost
38% — SVOD cost contribution
 Consumers may be open to AVOD if sharing is no longer available
Deloitte · 2023 · market_landscape
Consumers may be open to AVOD if sharing is no longer available
35% — Consumer preference
 Half of consumers have heard of Generative AI
Deloitte · 2023 · market_landscape
Half of consumers have heard of Generative AI
52% — Awareness
 Three in four citizens are yet to use a Generative AI tool
Deloitte · 2023 · market_landscape
Three in four citizens are yet to use a Generative AI tool
26% — Generative AI usage
 Most people who have used Generative AI are infrequent users
Deloitte · 2023 · industry_trends
Most people who have used Generative AI are infrequent users
10% — Usage frequency
 Four million people in the UK have used Generative AI for work
Deloitte · 2023 · market_landscape
Four million people in the UK have used Generative AI for work
8% — Generative AI usage for work
 Workers concerned that AI may replace them or change their roles
Deloitte · 2023 · industry_trends
Workers concerned that AI may replace them or change their roles
64% — Percentage of respondents
 Consumers can be ignorant about Generative AI's flaws
Deloitte · 2023 · market_landscape
Consumers can be ignorant about Generative AI's flaws
51% — Consumer agreement
 Smartphones are more important than ever for online applications
Deloitte · 2023 · industry_trends
Smartphones are more important than ever for online applications
66% — Consumer preference for smartphone
 Several types of digital subscription remain niche
Deloitte · 2023 · market_landscape
Several types of digital subscription remain niche
73% — Subscription penetration
 Almost 70% of 16-34 year-olds have a paid music subscription
Deloitte · 2023 · industry_trends
Almost 70% of 16-34 year-olds have a paid music subscription
70% — Paid music subscription penetration
 Digital users are highly exposed to misinformation online
Deloitte · 2023 · industry_trends
Digital users are highly exposed to misinformation online
68% — Misinformation exposure
 Consumers not yet sure about paying to be 'verified' on social media
Deloitte · 2023 · industry_trends
Consumers not yet sure about paying to be 'verified' on social media
70% — Likelihood to pay
 Sharing personal information with law enforcement
Deloitte · 2023 · market_landscape
Sharing personal information with law enforcement
 Higher-income households have more and better digital products and services
Deloitte · 2023 · market_landscape
Higher-income households have more and better digital products and services
92% — Digital product adoption
 Digital divide widens between higher and lower incomes
Deloitte · 2023 · industry_trends
Digital divide widens between higher and lower incomes
 Almost a third of respondents are spending more on broadband; most likely because of price rises
Deloitte · 2023 · industry_trends
Almost a third of respondents are spending more on broadband; most likely because of price rises
30% — Change in spending
 As commercial banks strive to meet the broad B2B needs of small and medium enterprises, commercial clients, and corporates, they need to seriously up their digital game.
Accenture · 2025 · quote_slide
As commercial banks strive to meet the broad B2B needs of small and medium enterprises, commercial clients, and corporates, they need to seriously up their digital game.
 The 22 service providers covered in this report
Accenture · 2025 · competitive_analysis
The 22 service providers covered in this report
22 — Service providers covered
 Commercial banks prioritize improving digital hygiene to reduce costs, improve operations, and elevate customer experience
Accenture · 2025 · framework_other
Commercial banks prioritize improving digital hygiene to reduce costs, improve operations, and elevate customer experience
54% — Service provider value now vs in two years (% respondents)
 Service providers respond to the major trends in commercial banks with modernization, tech, and transformation
Accenture · 2025 · industry_trends
Service providers respond to the major trends in commercial banks with modernization, tech, and transformation
100% — Providers solving for Modernization
 HFS Horizons: The Best Service Providers for Commercial Banks, 2025— summary of providers assessed in this report
Accenture · 2025 · competitive_analysis
HFS Horizons: The Best Service Providers for Commercial Banks, 2025— summary of providers assessed in this report
20 — Providers assessed
 Accenture: Integrated capabilities to transform the end-to-end commercial banking lifecycle
Accenture · 2025 · competitive_analysis
Accenture: Integrated capabilities to transform the end-to-end commercial banking lifecycle
75%+ — Commercial banking clients from Fortune Global 500
 Forward-looking statements and use of non-GAAP financial measures
GoldmanSachs · 2023 · disclaimer
Forward-looking statements and use of non-GAAP financial measures
 Citizens’ strong capital position relative to peers(1)(2)
GoldmanSachs · 2023 · peer_benchmark
Citizens’ strong capital position relative to peers(1)(2)
10.4% — CET1 ratio
 Deposit beta performance to date reflects significant investments in the franchise(1)
GoldmanSachs · 2023 · benchmark_peers
Deposit beta performance to date reflects significant investments in the franchise(1)
 Credit performance broadly in-line with peer regional banks(1)
GoldmanSachs · 2023 · peer_benchmark
Credit performance broadly in-line with peer regional banks(1)
0.33% — NCO ratio
 Building a leading NY/NJ Bank
GoldmanSachs · 2023 · case_study
Building a leading NY/NJ Bank
9% — Deposit growth
 Capturing the Private Capital opportunity
GoldmanSachs · 2023 · strategic_options
Capturing the Private Capital opportunity
$3.6 trillion — Private Capital fundraising
 Significant NII tailwind from Non-Core and swaps in 2025 and beyond
GoldmanSachs · 2023 · financial_analysis
Significant NII tailwind from Non-Core and swaps in 2025 and beyond
~60 bps — NIM Tailwind
 A MURKY MARKET OUTLOOK
misc · 2024 · context
A MURKY MARKET OUTLOOK
4.35% — Cash rate
 Indonesia’s geography forms a barrier to be able to connect all schools, different funding models apply for the less developed regions
misc · 2021 · problem_statement
Indonesia’s geography forms a barrier to be able to connect all schools, different funding models apply for the less developed regions
$168M — Annualized investment
 Multiple funding models (private, PPP, state and community) can be used, thereby involving different stakeholders in the process of improving connectivity
misc · 2021 · strategic_options
Multiple funding models (private, PPP, state and community) can be used, thereby involving different stakeholders in the process of improving connectivity
 Significant regional differences in socioeconomic status in Indonesia lead to ~20% of schools being unconnected
misc · 2021 · problem_statement
Significant regional differences in socioeconomic status in Indonesia lead to ~20% of schools being unconnected
19% — unconnected schools
 Large populations separated by islands with significant socio-demographic differences
misc · 2021 · context
Large populations separated by islands with significant socio-demographic differences
270m — Population
 Indonesia is the world's largest island country, with significant variances in connectivity set up
misc · 2021 · context
Indonesia is the world's largest island country, with significant variances in connectivity set up
 Different economic set-ups of regions must be taken into consideration in rolling out school connectivity
misc · 2021 · context
Different economic set-ups of regions must be taken into consideration in rolling out school connectivity
76 — GDP per capita
 Differences in population density leads to variances in school set up
misc · 2021 · diagnosis
Differences in population density leads to variances in school set up
1,172 — Population density
 Many students still have limited or no internet access, making it difficult to give online education
misc · 2021 · problem_statement
Many students still have limited or no internet access, making it difficult to give online education
19% — School connectivity
 Indonesia has a 99% electrification rate with almost equal access for both urban & rural, however ~9,500 schools still operating with no electricity
misc · 2021 · situation_overview
Indonesia has a 99% electrification rate with almost equal access for both urban & rural, however ~9,500 schools still operating with no electricity
99% — Electrification rate
 Java, Bali & Sumatra also have the best 4G coverage in schools, and are relatively closer to nodes which would allow them to connect more easily
misc · 2021 · market_landscape
Java, Bali & Sumatra also have the best 4G coverage in schools, and are relatively closer to nodes which would allow them to connect more easily
100% — 4G coverage
 Increasing the school connectivity might face major structural challenges in the sparsely populated islands
misc · 2021 · problem_statement
Increasing the school connectivity might face major structural challenges in the sparsely populated islands
19% — unconnected schools
 Example | Inside Java, the most connected island, connectivity gap still exist in rural areas, with limited device available to connect
misc · 2021 · case_study
Example | Inside Java, the most connected island, connectivity gap still exist in rural areas, with limited device available to connect
 The multilayer administration structure with its own autonomy might bring more complexity for project coordination and funding set up
misc · 2021 · process_diagram
The multilayer administration structure with its own autonomy might bring more complexity for project coordination and funding set up
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