The purpose of this research is to provide readers with a comprehensive understanding of the future of the retail banking, insurance, brokerage, & investment management industries in the Europe, Middle East, & Africa markets, many of which present substantial wealth but also challenges for United States financial services firms, including multiple languages, currencies, & laws. In short, this research defines the future of Financial Services in these markets and compares these findings to those of the United States in order to provide readers with some perspective. Many of the Europe, Middle East, & Africa markets have trends parallel to those in the United States, but also many have fundamental market differences.

This research addresses the historical phases of the Europe, Middle East, & Africa markets, including:

• Early Phase
• Maturation Phase
• Stumbles Phase

This research defines the distinct market segments, including:

• Europe
• Middle East
• Africa

And this research makes several predictions for the Europe, Middle East, & Africa markets, including: 

• Continued Dominance of Retail Banks
• Growth of Full-Services & Discount Brokerage Firms
• Emergence of Independent Advisors
• Increased Mergers & Acquisitions Opportunities