Rapidly aging population, persistent economic volatility, and rising personalization and digital transformation expectations are revolutionizing the North American annuities industry. Amid record-high annuity sales and regulatory momentum, enterprises are investing heavily in modernization, customer engagement, and strategic technology adoption to stay competitive. This report offers a comprehensive view of the evolving annuity market landscape through 2027, grounded in macroeconomic trends, product design shifts, and emerging digital capabilities. We explore how demographic forces such as Peak 65 and increased pension risk transfer activity are driving long-term growth while intensifying the need for innovation and scale. With increasing product complexities, the demand for modular platforms, data integration, AI-driven personalization, and embedded annuity solutions is rising. The convergence of annuities with retirement plans and wealth management platforms is blurring traditional boundaries, ushering in a new era of embedded, outcome-based offerings tailored to diverse personas. This report provides strategic insights into how carriers are modernizing their operations, digitizing distribution, and aligning IT investments with measurable business outcomes. It also highlights how private equity-backed players, advisory channels, and technology providers are reshaping the competitive landscape with flexible platforms and intelligent servicing models.

In an era marked by rapid generative AI adoption, AI governance is emerging as an essential safeguard for enterprises striving to balance innovation with responsibility. As AI systems become more autonomous and complex, bias risks, obscurity, regulatory noncompliance, and ethical misuse grow substantially. AI governance provides a structured framework to mitigate these challenges by embedding explainability, accountability, privacy, fairness, and security into AI-driven decision-making. This report examines AI governance’s growing importance in the enterprise landscape, analyzing its evolution from data governance to formal regulatory frameworks. It highlights how AI governance solutions offered as integrated platforms help organizations ensure compliance, reduce risk, and foster trust in AI systems. The report also assesses 16 key providers in the AI governance space and explores the emerging trends, including regulatory convergence, AI governance as a service, and the rise of specialized AI oversight roles, shaping the future of responsible AI deployment. Everest Group’s Provider Snapshots offer a holistic and integrated view of leading providers to aid strategic decision-making for providers and enterprises in this dynamic market. These reports provide a fact-based view of leading providers across dimensions. Scope In addition to leveraging our research expertise of over 30 years, the provider snapshots are based on the following sources of information: PEAK Matrix® reports Proprietary databases Company filings Contents In this report, we examine: Key evolving trends and imperatives shaping the industry Key business challenges in AI systems’ implementation AI governance as a solution to address business challenges AI governance evolution AI governance solutions’ core components Important considerations when selecting AI governance providers Key AI governance providers

The global services market is highly dynamic and evolving rapidly. This transformation is reflected in the shift in priorities from cost arbitrage to automation. Third-party providers are reassessing their market positions and refining their growth strategies. As enterprises explore sourcing models to unlock additional value, evaluating new technology offerings and different pricing models is imperative. Everest Group’s Provider Snapshots offer a holistic and integrated view of leading providers to aid strategic decision-making for providers and enterprises in this dynamic market. These reports provide a fact-based view of leading providers across dimensions. Scope In addition to leveraging our research expertise of over 30 years, provider snapshots are based on the following information sources: PEAK Matrix®  reports Proprietary databases Company filings Contents In this report, we analyze providers across the following parameters: Overview: a snapshot of providers’ financial performance, industry presence, geographic spread, function focus, and key industry clients Delivery footprint and headcount: graphical representation of providers’ delivery presence and headcount worldwide Key public announcements: a summary of important public announcements in the last year

The BFSI industry is undergoing rapid digital transformation, increasing the need for secure, seamless, and compliant digital identity solutions. Financial institutions must navigate an evolving regulatory landscape, counter sophisticated fraud tactics, and enhance customer trust, making digital identity a fundamental pillar of Financial Crime and Compliance (FCC). Rising cyber threats, fraud, and data breaches are driving the demand for AI-powered authentication, biometrics, blockchain, and decentralized identity solutions. With stricter oversight from PSD2, GDPR, eIDAS, and other global frameworks, banks and financial institutions must implement robust identity solutions that ensure security and enhance user experience. In this report, we examine digital identity solutions in the BFSI industry, analyzing technology advances, market trends, and regulatory challenges. The report highlights how financial institutions can leverage identity verification, authentication, fraud prevention, and compliance automation to improve operational efficiency and regulatory adherence. It offers strategic insights for providers and technology firms seeking to leverage the growing opportunities in the digital identity landscape. Scope Industry: Banking and Financial Services (BFS), with a specific emphasis on FCC Geography: global Services: digital identity, FCC, payment business processes, and IT Data sources: Everest Group’s ongoing market intelligence and assessment and public domain research Exclusions: digital identity solutions outside the BFSI industry Contents In this report, we examine: The evolving digital identity solutions’ role in fraud prevention, Know Your Customer (KYC), Anti-money Laundering (AML), and compliance operations Key technology innovations shaping the digital identity landscape Opportunities for providers and technology firms in the future of digital identity Market trends and competitive dynamics of digital identity solutions in the BFS space Membership(s) Financial Crime and Compliance Cybersecurity Sourcing and Vendor Management

The global services market is highly dynamic and evolving at a rapid pace. This is reflected in the shift in priorities from cost arbitrage to automation. Third-party providers are continually assessing their market position and refining their growth strategies. As enterprises explore various sourcing models to uncover additional value, it is imperative to evaluate new technology offerings and different pricing models. Everest Group’s Provider Snapshots offer a holistic and integrated view of leading providers to aid strategic decision-making for both providers and enterprises in this dynamic market. These reports provide a fact-based view of leading providers across multiple dimensions. Scope In addition to leveraging our research expertise of over 30 years, the provider snapshots are based on the following sources of information: PEAK Matrix® reports Proprietary databases Company filings Contents In this research, we analyze providers across the following parameters: Overview: a snapshot of providers’ financial performance, industry presence, geographic spread, function focus, and key industry clients Delivery footprint and headcount: graphical representation of providers’ delivery presence and headcount worldwide Key public announcements: a summary of important public announcements in the last one year

The global services market is highly dynamic and evolving at a rapid pace. This is reflected in the shift in priorities from cost arbitrage to automation. Third-party providers are continually assessing their market position and refining their growth strategies. As enterprises explore various sourcing models to uncover additional value, it is imperative to evaluate new technology offerings and different pricing models. Everest Group’s Provider Snapshots offer a holistic and integrated view of leading providers to aid strategic decision-making for both providers and enterprises in this dynamic market. These reports provide a fact-based view of leading providers across multiple dimensions. Scope In addition to leveraging our research expertise of over 30 years, the provider snapshots are based on the following sources of information: PEAK Matrix® reports Proprietary databases Company filings Contents In this research, we analyze providers across the following parameters: Overview: a snapshot of providers’ financial performance, industry presence, geographic spread, function focus, and key industry clients Delivery footprint and headcount: graphical representation of providers’ delivery presence and headcount worldwide Key public announcements: a summary of important public announcements in the last one year

This Snapshot is available only to Sourcing and Vendor Management and CX Excellence members. For information on membership, please contact us The global services market is highly dynamic and evolving at a rapid pace. This is reflected in the shift in priorities from cost arbitrage to automation. Third-party providers are continually assessing their market position and refining their growth strategies. As enterprises explore various sourcing models to uncover additional value, it is imperative to evaluate new technology offerings and different pricing models. Everest Group’s Provider Snapshots offer a holistic and integrated view of leading providers to aid strategic decision-making for both providers and enterprises in this dynamic market. These reports provide a fact-based view of leading providers across multiple dimensions. Scope In addition to leveraging our research expertise of over 30 years, the provider snapshots are based on the following sources of information: PEAK Matrix reports Proprietary databases Company filings Contents In this research, we analyze providers across the following parameters: Overview: a snapshot of providers’ financial performance, industry presence, geographic spread, function focus, and key industry clients Delivery footprint and headcount: graphical representation of providers’ delivery presence and headcount worldwide Key public announcements: a summary of important public announcements in the last one year

The Banking and Financial Services (BFS) industry in APAC is rapidly transforming due to digital technology adoption, regulatory changes, and a focus on sustainability and open banking. These shifts present challenges and opportunities, prompting BFS firms and technology providers to innovate and create more value. Strategic partnerships and implementing technologies are key strategies employed to foster innovation and elevate customer satisfaction. In this report, we explore the BFS industry’s evolving landscape in APAC, focusing on prevalent themes such as cloud computing, customer experience, data and analytics, open finance, risk and compliance, sustainability, and the growing adoption of Third-party Platforms (TPPs). For each theme, the report provides insights into current trends, drivers, adoption patterns, partnerships, and future outlooks. Geographically, the analysis extends to key APAC countries, including Australia, China, India, Japan, New Zealand, and Singapore. Scope Industry: BFS Geography: APAC Services: Technology and IT services Contents In this report, we examine: Technology investments made by APAC banks, ongoing deals, prevalent themes, and the challenges the industry faces Key trends across BFS IT spending, including investments in cloud computing, embedded finance, and TPPs The regulatory and compliance landscape Adoption of data analytics and AI within the industry Key sustainability initiatives and customer experience priorities shaping the future of BFS in APAC Membership(s) Banking and Financial Services Information Technology Outsourcing Excellence

This Snapshot is available only to Outsourcing Excellence and CX Excellence members. For information on membership, please contact us The global services market is highly dynamic and evolving at a rapid pace. This is reflected in the shift in priorities from cost arbitrage to automation. Third-party providers are constantly assessing their market positions and refining their growth strategies. As enterprises explore various sourcing models to uncover additional value, it is imperative for them to evaluate new technology offerings and different pricing models. Everest Group’s Provider Snapshots provide a holistic and integrated view of leading providers to aid strategic decision-making for both providers and enterprises in this dynamic marketplace. These reports provide a fact-based view of leading providers across multiple dimensions. Scope In addition to leveraging our research expertise of over 30 years, the provider snapshots are based on the following sources of information: PEAK Matrix® reports Proprietary databases Company filings Contents In this research, we analyze leading providers across the following parameters: Overview: a snapshot of providers’ financial performance, industry presence, geographic spread, function focus, and key industry clients Delivery footprint and headcount: graphical representation of providers’ delivery presence and headcount worldwide Key public announcements: a summary of important public announcements in the last one year

This Snapshot is available only to Outsourcing Excellence and CX Excellence members. For information on membership, please contact us The global services market is highly dynamic and evolving rapidly, as reflected in the shift in priorities from cost arbitrage to automation. Third-party providers are continually assessing their market positions and refining their growth strategies. As enterprises explore different sourcing models to uncover additional value, it is vital for them to evaluate new technology offerings and different pricing models. Everest Group’s Provider Snapshots provides a holistic and integrated view of leading providers to aid strategic decision-making for both providers and enterprises in this dynamic marketplace. These reports provide a fact-based view of leading providers across multiple dimensions. Scope Industry: All industries Geographies: All geographies In addition to leveraging our research expertise of over 30 years, the provider snapshots are based on the following sources of information:PEAK Matrix® reports Proprietary databases Company filings Contents In this research, we analyze leading providers across the following parameters: Overview: a snapshot of the provider’s financial performance, industry presence, geographic spread, function focus, and key industry clients Delivery footprint and headcount: graphical representation of the provider’s delivery presence and headcount across the globe Key public announcements: a summary of important public announcements in the last one year