Claro and Anthemis launched the Always in Beta project in early 2015 to help six international financial institutions understand and respond to their changing customer base and the explosive growth of financial technology. The project took the team into six cities to conduct field research and consult with experts. Executives from Anthemis, Claro, and the six financial institutions gathered in day-long sessions to share findings and begin developing business models that were responsive to those findings. This report summarises some of what we learned about the shifting customer base, the evolving financial services landscape, and how banks can respond to the new environment in which they are operating.

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