Regulatory change and heightened regulatory scrutiny impacting operational resilience and production and delivery of products and services. ( SM00001 )

Economic conditions restricting growth prospects in relevant markets ( CS00001 )

Succession challenges and talent acquisition and retention ( FI00001 )

Existing operations, infrastructure and digital capabilities unable to adjust to “born digital” competitors or those with superior performance ( SM00001 )

Resistance to change ( POV00001 )

Managing cyber threats ( IAS00001 )

Privacy and identity management ( CR00001 )

Culture may not encourage timely escalation of risk issues ( SM00001 )

Sustaining customer loyalty and retention may be becoming increasingly difficult ( CC00001 )

The adoption of digital technologies in transforming the business may require new skills that the organization may not be able to attract or retain ( LE00001 )