| Political |
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| Unclear Effects of Brexit on Financial Markets |
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| Economic |
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| Low Interest Rates Adversely Affect Return on Assets |
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| Social |
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| Low Trust in Financial Institutions |
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| Technological |
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| Blockchain May Disintermediate Insurance Market |
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| Fintechs More Savvy in Employing Digital Innovations |
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| Environmental |
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| Investments in Carbon-Based Economy Under Pressure |
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| Opportunities in Clean-Tech Investments |
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| Legal |
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| Privacy Regulation (GDPR) |
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| Financial Regulation (Solvency II, PSD II, Basel III) |
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