2025年英国专业与金融服务领域AI应用研究报告：释放未来创新机遇（英文版）-Innovate UK

NextGenerationProfessional&FinancialServicesProgramme

AIforServices2025report

UnlockingfutureinnovationopportunitiesinUKProfessional&FinancialServices

March2025

Tableofcontents

Executivesummary6

Executivesummary7

UKProfessional&FinancialServices:highlights8

Keyfindings11

Recommendations:16

Innovation&impact19

Theroleofinnovation&technology20

Marketdrivers21

Competitivedynamics29

Industryimpact33

Sectorperspectives36

Futureshaping42

Investmentlandscape49

Investmentlandscape50

Macro-environmentandvaluations54

Investmentappetiteandidealinvestmenttargets55

Marketfocusareas58

Co-investment&collaboration60

Regionalfunding62

RegionsbeyondLondon64

Regionalstrengths&challenges65

Incubators&accelerators68

Universities&spin-outs69

MidlandsandEastofEngland71

NorthernIreland73

NorthofEngland75

Scotland77

SouthofEngland79

Wales81

Contributors&methodology83

2

©WhitecapConsultingPublished2024

Aboutthisreport

IntheUK,theProfessional&FinancialServices(PFS)marketcontributes

over£260bninGVA(orc12%oftheUK

economy),employsover1.7mpeople,andishometoover132,000organisations.

Thisreportexploreshowdigitaltechnologieshaveshapedandcontinuetoinfluence

theUK’sPFSmarket,mappingkey

transformationsoverthepast3-5years.

Morespecifically,itsharesadeepdiveinto

theinnovationandimpactofthesectoranditsinvestmentlandscape,aswellasaviewofitsfuturestateandtheincreasinglydiverseregionalpicture–goingbeyondLondon.

Thisreportfocusesonthreemainsectors:Accounting,FinancialServices&Insurance,andLegalServices.EachofthesesectorsplaysacrucialroleintheimpactdeliveredbyandongoingdevelopmentoftheUK’s

PFSmarket.

Keyworkstreamsincludedgroupand

individualdiscussionswithindustry,

technology,research,privateinvestors,andcluster/networkorganisations,330+responsestoadedicatedonlinesurvey,andaprogrammeofdesktopresearchusingacombinationofpubliclyavailableandproprietarydatasources.

Wewouldliketothankallthestakeholders

weengagedwith,bothfortheiropenness

toshareaswellasthequalityoftheirinsights.

WhitecapConsultingprojectteam:

JulianWells,MichaelFletcher,JoshDracup,PurnarkaDutta,QueraltSmithVila.

InnovateUKandESRCprojectteam:

StephenBrowning,AstridAyel,WinnFaria,MartinMartinoff,SarahPagan.

3

©WhitecapConsulting

Foreword

GaryCutts,ExecutiveDirectorforDigital&Technologies,InnovateUK

TheProfessionalandFinancialServicessectorsaretrulyacornerstoneoftheUKeconomy.Bythemselves,theycontributeabout13%ofGrossValueAdd(GVA)andemploysome1.7millionpeopleorabout5%oftheworkforce.However,thisisonlypartofthestory.

Commercially,theyunderpineveryeconomicactivityacrossthecountry,whetherthat

istradesupportedbypaymentsystems,

contractssupportedbylegalservices,

advisingbusinessesofallsizesthrough

accountancyservicesorinsuringpremises

andequipment.Forindividuals,thesesectorsalsoofferkeysupportfromplanningforthefuturetodealingwithunexpecteddifficulties.TheimpactofthesesectorsontheUKcannotbeunderestimatedandwhileLondonisa

recognisedglobalhub,thesesectorsalsohaveastrongpresenceacrosseverynationandregionoftheUK.

TheIndustrialStrategygreenpaperidentifiedboththeProfessionalandBusinessServicesSectorandtheFinancialServicesSectoraswellastheDigitalandTechnologiesSectoraspivotaltothecountry’sgrowth.Combiningthese,thedevelopmentandadoptionof

digitaltechnology,includingbutnotlimitedtoAI,holdsenormouspotentialtoreshapeProfessionalandFinancialServicesas

wellasenablingthemtoserveabroader

baseofcustomers.Inparticular,thereisan

opportunitytoaddressareasofinequality,

wheresomebusinessesandindividualsin

societyarecurrentlyunderservedorexcluded.Thiscouldbeforexample,byproviding

accesstocreditthroughdifferentwaysof

assessingcreditworthinessorproviding

legaladvicethroughdigitaldeliverymethods.Wealsoseeanimportantopportunityto

connectsmallerandstart-upbusinesstoestablishedindustry.

InnovateUK,inpartnershipwiththeEconomicandSocialResearchCouncil,hasactively

supportedthedevelopmentandadoption

ofdigitaltechnologyintheProfessional

andFinancialServicessectorsthroughthe

NextGenerationProfessionalandFinancialServicesprogramme,investingover£26.5

millionintothesectorinjustthepastthree

years.Setupinitiallyasapioneerprogrammein2018,theprogrammehassupported

hundredsofbusinessled,academicandcollaborativeprojects.Inthelastseven

years,wehavewitnessedhowtechnology

istransformingthesector.Fromsupporting

earlyadoptersandinitialresearchinthisarea,wearenowengagingwithagrowingnumberoffirmsandstakeholderscollaboratingand

implementingnovelsolutions.Aswelook

ahead,itismoreimportantthanevertoinformthesectoronthisever-changinglandscape,

ensuringthatthesectorfeelssupportedtojoinitstransformation.

ThisreportisthethirdpublishedbyAIfor

Services,thenetworkunderpinningthe

programme.AIforServicescountsmorethan

1,500leadingbusinesses,researchers,firmsandinvestorscomingtogethertosupportthetransformationoftheUKPFSsector.After

readingthisinsightfulreport,IhopethatyouwillalsojoinAIforServicesandhelpusdrivepositivechangeinthesectorbenefittingbothindustryanditscustomersacrosssociety.

Werecognisetheimportanceofthesesectorsandtheopportunitypresentedthroughthe

useofadvanceddigitalsolutionssuchasAI.Thisreporthighlightsthoseopportunitiesaswellasbarrierstobeaddressed.

Ihopeyoufindtheseinsightsascompellingaswedo.Byharnessingthefullpotential

ofemergingtechnologies,wecanensure

thattheseintegralsectorsoftheeconomy

continuetoserveasadrivingforcefor

inclusivegrowthandprosperityacrosstheUK.

©WhitecapConsulting4

EXECUTIVESUMMARY

©WhitecapConsulting6

Executivesummary

Professional&FinancialServices(PFS)isasignificant,diverse

andexcitingindustryandhome

toavibrantandinnovative

ecosystem.Manyopportunities

forfuturetransformationexistbutexistingchallengesneedtobe

addressedifwearetoimprovethecompetitivenessandimpactoftheindustry,intheUKandglobally.

TheUKModernIndustrialStrategy

greenpaper,Invest2035,publishedinOctober2024,names8‘growth-drivingsectors’,threeofwhichare:FinancialServices;digitalandtechnologies;andprofessionalandbusinessservices.

ItisclearthatthepotentialofPFSis

strongandthemarketalreadycontributesover£260bninGVA(orc13%oftheUK

economy),employsover1.7mpeople,andishometoover132,000organisations.

However,thepastfiveyearsbrought

astormofchangeandanarrayof

technology-enableddevelopments.PFSorganisationscontinuetoactivelygrapplewithchallengesrelatingtoinnovation,

adoptionandimpactandareproactivelyseekingtoaddressthem.

Theongoingadvancementsindigital

technologiesandtheiradoptionwillplayasignificantroleinthefuturedevelopmentofthePFSmarketandhelpdrivechangeaswellasgreatereconomic,socialand

environmentalimpactgoingforward.Withthisinmind,overrecentmonthswehaveengagedinaprogrammeofresearch

whichincludedananalysisofrecent

andemergingdevelopments,areviewoftheinvestmentlandscapeandtrends,andanevaluationofpotentialfuture

developments.Thisreportsummarisesthekeyinsightsandimplicationsarisingfromthiswork.

Headlines

ThePFSindustryisinapositivestate

ofmind.80%feelthattherewillbea

substantialaccelerationindigital

technologyadoptionand77%expect

acceleratedlevelsofinvestmentoverthenextfiveyears,while75%ofstakeholdersfeeladoptionofdigitaltechnologywillbekeytoensurethattheUKremainsaleaderintheservicessectoroverthenextfiveyears.Ourresearchsuggeststhatmuchofthe

futurestateoftheindustryisdependentupontheevolutionanddiffusionof

developmentsalreadypresenttoday,alongsideongoingfocusoninvestment

anddevelopmentoftheindustry’sregionalecosystems.Theexistingbutevolving

developmentsthatmanyorganisations

expecttocontinuetoshapethefuture

oftheindustryincludedata;AI;cloud

computing;cybersecurity;inclusion,

literacyandwellbeing;quantumcomputing;andblockchain.

82%

ofstakeholdersfeeladoptionofdigitaltechnologywillbekeyto

remainingcompetitiveasafirminthemediumtolongterm.

Fundingisacriticalconsideration,and

followingachallengingperiod,investorsareincreasinglyconfidentaboutthe

futureofinvestmentinthePFSindustry.Ourworkhighlightedthatthereare

somebarriersthataremoreacutelyfelt

acrosstheregionsoftheUKexcluding

London,specificallyavailabilityoffunding,informedandsupportivelocalgovernmentpolicies,andavailabilityoftalent.

Londonmakesupoverhalfofthegross

valueadded(orGVA)generatedbythePFSindustry,whichmakesupoveraquarterof

thecapitalcity’seconomy.However,overthepastfiveyears,PFShasseensignificantgrowthamongstthevariousregionalecosystemsthatexistacrosstheUK.Ourfindingssuggestthatajoinedupandholisticapproachisrequiredtonurturetheongoinggrowthandinnovationoftheseregions,aswellasLondon;andwhilstbenefitingtheregions,regionalgrowthandcross-regionalinitiativescanmakeapositivenationalimpact.Thisincludesanincreased

presenceofacceleratorsandincubators,and

creatingmorespin-outsinfieldsrelevanttoPFS.Ourworkhighlightssomekeyareasforactionwhichshouldbeaddressedtoenhancethe

futurecompetitivenessofPFSorganisations,thePFSindustry,theUKeconomy,anditsimpactonsociety.

Therecommendationsofthisreportindicate

areaswhereactionwouldbebeneficial,andwilldependuponadiverserangeofstakeholders.

Toaccomplishthemwillrequireopennessandcollaborationacrossarangeoffutureinitiatives.

PFShashighgrowthpotential.Thiscanbeunlockedbyimprovingthepeople,skillsandprocessesrequiredtoadopttechnologyandreduce

costs,improvedecision-making,tailorservicesandincreasetransparency

Theindustryneedsbetterdata.Dataisthemostsignificantenablerofinnovationthroughdigitaltechnology

(suchasAI)butisalsothebiggestblocker

Thereisanopportunityforenhancedsocialimpact.

PFSshouldembracethesocialopportunitiesthatdigitalisationoffersincludingempowermentandinclusivity

Thisisanationalchallenge.Cross-regionalandcross-sector

collaborationcanhelpenhancetheUKPFSindustry’scompetitiveness

Investorsaremoreprofitfocused.Therehasbeenaclearshifttowardstheneedforbusinessestobe,orclearlyontheroadtobeing,profitgenerating

©WhitecapConsulting8

Professional&FinancialServices:

UKProfessional&FinancialServices:highlights

17m+

workforce

£260bn+GVA

132,000+organisations

LegalServices

316,000+workforce

32,000+

organisations

£28bn+GVA

451,000+workforce

40,000+

organisations

Accounting£34bn+

GVA

FinancialServices&Insurance

10m+

workforce

59,000+

organisations

£170bn+GVA

NorthofEngland

£434bn+TotalGVA

£39bn+PFSGVA

387,000+

PFSworkforce

24,900+PFSorganisations

SouthOfEngland

£508bn+TotalGVA

£38bn+PFSGVA

312,000+

PFSworkforce27,700+PFS

organisations

NorthernIreland

£49bn+

TotalGVA

£3bn+

PFSGVA

N/A

PFSworkforce2,900+PFS

organisations

Scotland£165bn+TotalGVA

£17bn+PFSGVA

125,000+

PFSworkforce

6,300+PFS

organisations

Midlands&EastOfEngland

£478bn+

TotalGVA£32bn+

PFSGVA

301,000+

PFSworkforce28,500+PFS

organisations

Wales

£74bn+

TotalGVA

£5bn+

PFSGVA

63,000+

PFSworkforce3,800+PFS

organisations

London

£520bn+TotalGVA

£130bn+PFSGVA

667,000+

PFSworkforce

37,800+PFSorganisations

RegionalHeadlines

Yearofstudy:GVA&workforce(2023),organisation(2022).AlldataadaptedfromONSdata.

UKProfessional&FinancialServices:innovation&impact

ThisreportexaminesthetransformationofProfessional&FinancialServicesthroughamyriadoflenses.

©WhitecapConsulting9

“ThefuturecompetitivenessoftheUKasaglobalpowerhouseinFinancialServiceswillbepoweredbyinnovationandFinTech.Weareagloballeaderbutitisclearothermarketsarecatching

upandwecannotbecomplacent.Weneedboldactionand

progressonareaslikeregulatorytransformation;deliveringthenextphaseofopenbanking;implementingajoinedupfraud

strategy;andbuildingtheUKasaleadingcentreforblockchainanddigitalassets.”—JanineHirt,CEO,InnovateFinance

“Lawtechisavibrantsectorthatisexpandingacrosstheworld’stoplawfirms,technologybusinessesandentrepreneurs.Itis

alsoattractingmajorinvestment,includingfromprivateequity

andinstitutionalinvestorsandgovernmentinitiatives.Ourwork

atLawtechUKhashighlightedthattheroleoftechnologyand

innovationinthelegalsectorisgrowingacrosstheUK,andwe

needtocontinuetobuildthiscapabilityinordertoretainandgrowourinternationalcompetitiveness.”—BethFellner,LawtechUK

“ThisreporthighlightssomeimportantopportunitiesforFinancialServicesandFinTechacrosstheUK,whichcanhaveasignificantimpactontheUK’seconomicgrowth.Weneedtofindwaysto

injectmorefundingacrossthepublicandprivatesectorsaswellasuniversities,andensureresearchfundingisgoingintoareas

wherethereareproblemsthatneedaddressingandwilldeliveronthefutureindustrialstrategy.”—CharlotteCrosswellOBE,Chair,CentreforFinance,Innovation&Technology(CFIT)

“Technologiessuchascloudcomputing,RPAandothertypesofautomationhavehelpedspeedupandimproveaccountingprocessesandactivitiesandthisautomationissettogrowastechnologiessuchasAIandBlockchaincontinuetodevelop,

andtheavailabilityandqualityofdataimproves.Theroleofanaccountantwillbecomemuchbroaderandmorestrategicas

technologyenablesmanyofthetime-consumingtaskstobe

automated.Accountantswillneedtolearntoworkalongside

technology,meaningtheywillneedtobuildtheirtechnologyliteracy,andunderstandingofthebusinessestheyworkinandwith.”

—EstherMallowah,HeadofTechPolicy,ICAEW

“TheUK’sstatusasaworld-classinternationalfinancialcentre

reliesonitsabilitytoinnovate,explore,adoptandshapenew

technologies.OurindustryhaslongbeenattheforefrontofmajortechnologicalshiftsandisaleaderinAIadoptionandinnovationintheUK.Giventherangeoftechnologiestransformingthe

industry,fromcloudcomputingandsmartdatatodigitalassets,AIandquantumcomputing,itwillbevitalthatgovernment

considerstheseintheroundratherthaninsilostomaximise

opportunitiesforgrowthandboosttheUK’scompetitive

advantage.”—MilesCelicOBE,ChiefExecutiveOfficer,TheCityUK

©WhitecapConsulting10

Keyfindings

Professional&FinancialServices(PFS),innovation&digitaltechnology

ThePFSindustryiswidelyconsideredastrengthfortheUK;a

marketinwhichtheUKisgloballycompetitive.Tobringthistolife,

theindustrycontributesover£260bninGVA(orc13%oftheUK

economy),employsover1.7mpeople,andishometoover132,000

organisations.Furthermore,in2022,theindustrymadeupc18%oftheUK’snetexports(£150bn1ofatotal£848bn2)andattracted£2bn3in

foreigndirectinvestment–thehighestinEuropeforFinancialServicesspecifically.Innosmallpart,thecompetitivenessoftheindustryanditsorganisationsisowedtoinnovationand,inparticular,digitaltechnology;theseareconsidereddeeplyimportantbytheindustrytomaintainits

competitivestrengthandfororganisationstoremaincompetitiveoverthemediumandlongterm.

Thebenefitsoftechnologyandinnovationarebecomingincreasinglywellunderstood.Organisationscanenhancecustomervalue(for

instance,throughpersonalisation)andmoreeffectivelyadaptto

changesincustomerdemand,aswellasreducecosts,driveefficiencyandbuildresilience.Theimpactofhowwidelyunderstoodthese

benefitshavebecomehaselevatedtheirimportance,suchthat,thesethemeshavebecomemoredeeplywovenintoPFSorganisationsthaneverbefore-forminganimportantpartofleadershipandstrategy,

productsandservices,back-endprocess,andtrainingandinvestment.Reflectingthegrowingimportanceofthesethemes,many

organisationsfeelbroadlyconfidentintheirunderstandingand

competenceindeployinginnovationanddigitaltechnologywithintheirownorganisations.However,adoptingnewideas,systemsandprocessesisoftentimeconsuming,costlyandcomplicated,and

demandsamplefunding,talent,opennesstoriskandagility.

1CityofLondon,2024,TheCityofLondonCorporation’sworkinsupportoffinancialandprofessionalservices:annualreview2023/2024

2DepartmentforBusiness&Trade,2025,UKtradeinnumbers

3CityofLondon,2024,TheCityofLondonCorporation’sworkinsupportoffinancialandprofessionalservices:annualreview2023/2024

Theserequirementsareubiquitousacrossinnovationanddigital

technology,andagoodproportionoftheindustryfindsmeetingtheserequirementschallenging.Suchthat,thesechallengesholdfirmsback,hinderingtheindustry’sabilitytomaintainitsglobalcompetitivenessandimproveupontheimpactitgeneratesfortheUKandbeyond.

Futurefocusofinnovation,acommonvisionforPFS

Thefutureoftheindustrywillbedrivenbyamyriadoftrendsand

digitaltechnologies,asorganisationsadoptandintegratethemto

meetcustomerdemand,driveprofitandsocialandenvironmental

impact.Trendsandtechnologieshighlightedincludeaugmented

andvirtualreality(AR&VR),AI,blockchain,cloudcomputing,cyber

security,inclusion,internetofthings(IoT),literacy,quantumcomputing,resilience,andwellbeing.Amongstthisweboftrendsfourkeythemesstoodout,whichhelptodistilaconsistentfuturefocusforinnovationfromacrosstheindustry.

Theseinclude:

•Datamanagement&access:offerseamless,secure

interactionsandfasterservice,fostertrustthroughtailored

recommendationsandenhancedatasecurity.Boostefficiencyandfosterinnovativecollaborations,whilecuttingcostsandensuringcompliance.Utilisationofdataanalyticsdrives

insightsandstrategicdecisionsbyinvestingintechnologieslikeblockchain,AI,IoT,andquantumcomputing

•Product&serviceagility:acceleratedevelopmentcycles,provideconsumerswithquickeraccesstohigh-qualityproductsand

servicesandbettervaluethroughagilepricing.Enablerapid

responsetomarketchanges,strongercustomerrelationshipsandrevenuegrowththroughinvestinginscalabletechnologieslikeAI,IoT,andAR&VRforenhanceduserexperiences

©WhitecapConsulting11

©WhitecapConsulting12

•Enhancingtechnologyresilience:provideconsumerswithstrongerprotectionagainstcyberthreats,fewerservice

outages,andfasterrecoverytimes–boostingconfidence.InvestinresilientITinfrastructure,regularstresstesting,

contingencyplanning,threatmitigationandcomprehensivedisasterrecoveryplanningbyleveragingtechnologieslike

quantumencryption,AI,andsecuremulti-partycomputation

•Actingoninclusion,literacy&wellbeing:increaseaccessto

servicesforunderservedcommunities,offerpersonalisedproductsandsupportandtransparentcommunication.Empowerconsumerstoimprovedecision-makingbyinvestinginaccesstoeducation

andresources,andthroughtechnologieslikeIoTandAI-drivengamification.Unlocknewcustomeropportunities,enhance

reputationandloyalty,andimproveemployeesatisfaction.

Iforganisationscontinuetoactonthesethemes,through

innovationanddiffusion,theUKcanprotectandbuilduponitscompetitivestrengthinProfessional&FinancialServices.Thosewhodosowillenhancecustomertrust,drivegreaterefficiencythroughdataandbetterensureresilienceandcompliance.

Thesethemesrepresentthecomponentsofasharedindustryvision,basedonopportunitiesandchallengesthatmany

organisationsaregrapplingwithtoday.Formany,thissignifiestransformationalchangeandthepotentialtodrive

significantpositiveimpact.

Funding&investmentinPFS

Fundingiswidelyconsideredbothasacriticalenablerandalsoakeypainpointfororganisationswithintheindustry.WhilstbothpublicandprivateinvestmentintotheProfessional&Financialsectoriskey,ourworkfocusedspecificallyonprivateinvestment–particularlyequity.

Thisincludedathoroughexaminationofthejourneythatinvestorshavebeenthroughoverthepastfiveyears,theirappetitetoinvestinPFS

organisationsandtheirperspectivesaboutthefutureoftheindustry.

Inshort,liketheexperienceofmanyfirmswithintheindustry,thepastfiveyearshavebeenatimeofvolatilityforinvestors.AfterachallengingyearbroughtonbytheCovid-19pandemic,2021and2022markeda

periodofinflatedvaluationsspurredonbyheightenedinvestorappetite,drivingcompetitionovernewdealsaswellasgreaterconfidenceto

“TheUKneedstoinvestinitsglobalposition.SomecountriesaremorereadilyadoptingdigitaltechnologyandtheUKis

atriskoflosingoutongreattalentanditscompetitiveness.

Whilstclearlyarisk,thiscouldserveasacatalystforfutureinnovation.”—EmilyGill,Co-founder&COO,LEVRA

“Ifeelthereisaclearopportunitytodevelopanddeliveran

industryroadmap.Partofthisroadmapcouldaimtofoster

collaborationacrossfinancialandprofessionalservicestodevelopanintegrated,over-archingsolution.Thealternativeisthatclientsneedtostitchtogetherahybridsolutionfromorganisations

workinginsilos.”—GaryGallen,Founder&CEO,rradar

negotiatetermsamongstfounders,givengreaterchoiceanddemand.

©WhitecapConsulting13

Today,theappetitetoinvestintheindustryappearsstrong.Specificinvestorshavetheirownviewofwhatconstitutesanidealinvestmenttarget,typicallybystageofgrowth,dealstructure(e.g.,minorityshareversusmajority)andtheshapeofthebusinessplan(e.g.,growth

focused,versusprofitorefficiencyfocused).

Inpractice,thisincludesawidebreadthofcriteriathataprospectiveinvestmentmustmeettobeattractive,whichmightinclude:capital

efficiency;pathtoprofitability;reliableannuallyrecurringrevenue

(ARR);ateamwithdeepsectorexpertise;thepotentialforsubsequentacquisitions(e.g.,Buy&Build);andstrategicalignment(particularly

forcorporatebuyers).Agrowingfocusonpathtoprofitabilityandefficiencywasnotedamongsttheinvestorsweengaged.Most

investorsaresectoragnostic,andthosethataremoreselectivearethematicallyfocusede.g.,ontechnologybusinesses.

Investmentvolumeandvaluedatafromthepastfiveyearshighlightsthestrongappetiteprivateinvestorshavefortechnologybusinesses(e.g.,FinTechs,InsurTechs,AccountingTechsandLegalTechs)whichmakeup74%ofthePFSindustry’sequityinvestmentoverthat

time,wheretheremaining26%ismadeupbyFinancialServices&Insurance,AccountingandLegalServicesorganisations.

Thereisagrowingopennesstoco-investamongearly-stage

investors,especiallycorporateinvestors,VCs,andAngels.This

investmentformatbroadensthebreadthofknowledgeandnetworkthetargetorganisationcanaccess,aswellasspreadsriskamongstmultipleinvestors.InvestorpartnershipsorsyndicatesarebecomingincreasinglycommonforsimilarreasonsandparticularlyamongstAngelinvestors.

RegionalgrowthinPFS

MorethanhalfoftheUK’sPFSGVAoriginatesfromLondon,butoverthepastfiveyearstheindustryhasseensignificantgrowthamongstthevariousregionalecosystemsthatexistacrosstheUK.Therearemyriadenablersandbarrierstoregionalgrowth.

Thekeyenablesandbarrierssurfacedhavebeenincludedbelow,listedinorderofperceivedimportanceamongPFSorganisations.

Enablersofregionalgrowth:

Availa