For financial services companies, the future is already here. The industry has been facing its fair share of challenges, and as we look into the future, it becomes clear that the road ahead will not be smooth sailing. The year 2024 presents a unique set of challenges for the industry, including market conditions, inflation, regulation, and recession risk. As a veteran of the capital markets, I have put together this blog post to help company directors, shareholders, and investors understand what to expect in the coming year.