Fending off incursions from ambitious disruptors, traditional financial powerhouses are looking to co-opt technologies pioneered by their challengers. From improving credit decisions through ever-deepening datasets to expanding investments in the Internet of Things and blockchain technology, the financial industry is rewiring its business models and its workforce. What do these changes mean for talent acquisition and team structure? How are they transforming access to finance in the U.K., Europe, and elsewhere? Can regulation keep pace? If not, what are the implications for financial stability and resilience?