Aite Group and Novarica have joined to become Aite-Novarica Group. We are an advisory firm providing mission-critical insights on technology, regulations, strategy, and operations to hundreds of banks, insurers, payments providers, and investment firms—as well as the technology and service providers that support them. Comprising former senior technology, strategy, and operations executives as well as experienced researchers and consultants, our experts provide actionable advice to our client base, leveraging deep insights developed via our extensive network of clients and other industry contacts. The quality of our research, insights, and advice is driven by our core values: independence, objectivity, curiosity, and integrity. Our goal is to be a trusted advisor to our clients by using our data, experience, and proven best practices to help them make better, faster, and more lasting decisions. Our products and services include: • Insights and Advisory Service: Clients gain access to our research and unlimited interactions with our experts. Coverage areas are Banking & Payments, Insurance, Securities & Investments, as well as cross-industry Risk domains such as Cybersecurity and Fraud & AML. • Executive Partner Service: Our team of former CIOs and CTOs helps executives and their teams tackle their most pressing challenges through workshops, consultations, and strategic guidance. • Strategy Consulting: We provide comprehensive strategy, operational, and technology consulting engagements, including vendor selection projects. • Custom Insights: We help clients develop sound long-term growth plans through peer-group benchmarking, competitive intelligence analysis, and go-to-market studies. • Events: In-person and virtual conferences provide opportunities for attendees to learn about trends impacting their role and how their peers are