This chapter addresses the following issues: 4 Company performance and strategy 7 Financial and political system stability 8 Digitalization / fintech 9 Consumer and investor protection 10 Quality and range of services and advice 11 Corporate governance Further information: > see p. 7 > credit-suisse.com/responsibility/banking 4 Challenge and response Challenge: The changing behavior of clients – especially digitally savvy individuals – and a significant increase in the number of smartphone banks and other fintech firms entering the financial sector are creating challenges for long-established financial institutions.