Chances of 2 people in 70 having same birthday? Managing Risk in Banking and Financial Services @patrickdixon-futurist

Uploaded December 2021 | Updated September 2026, 12 minutes ago

Co-incidental risks - multiple events all happening at the same time. Risks can be far higher than you think. Managing risks in banking, insurance and financial services. Keynote by Futurist Patrick Dixon for Xpedition. xpedition.co.uk

Chances of 2 people in 70 having same birthday? Managing Risk in Banking and Financial Services

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$Future of Retail in Europe, India, China, America, Africa - mergers and mega scale. Retail Keynote 70% of UK retail spend is captured by only 7-8 companies. 50% of all EU retail spend is captured by only 10 retailers. The future of retail is massive scale and consolidation - farming, clothing, fast moving consumer goods, digital and so on - warehousing, logistics, supply chains, giant stores etc. Truth is that most retail outlets in the world are in emerging markets where 85% of all retail customers live, and 99.5% of them are the size of a shipping container or smaller, much smaller if you include informal street traders. We can debate about the speed of the trend or how far consolidation will go but Europe is pointing the way ahead. Of course the upside is astonishing efficiency which means lower prices usually, but the downside is lack of choice. Take bookselling: outside of major chains, there are few book outlets today in Europe, and most of them are small. But big chains only have limited shelf space so only a fraction of the 200,000 new titles in the UK each year will ever make it to a supermarket shelf. The rest will mostly have to fight online for attention of readers. Books are one thing, but fashion is quite another. If you wander into Shopping Malls from Beijing to Rio de Janeiro you find the same thing: almost identical chains selling identical range of items. Same in airport Duty Free areas globally. So shopping is becoming very boring - an additional factor driving online sales and further contraction in traditional retail outlets.$

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Chances of 2 people in 70 having same birthday? Managing Risk in Banking and Financial Services