As financial services organizations in APAC advance, they must contend with familiar forces that continue to disrupt the industry: growing legislative requirements (including open banking), fierce competition (including incumbents and new entrants), and accelerating customer expectations. Financial services organizations in APAC sit at a crossroads, where they will either: 1) minimize further disruptions and follow established processes that have evolved, or 2) continue disrupting their own status quo, encouraging adaptiveness and tech-driven innovation to grow.