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Those resellers selling into the banking sector could find their customers not only spending less but potentially disappearing altogether if gloomy analyst predictions are on the money.
Gartner issued its forecasts for what lies ahead in vertical markets with a bleak prognosis for the finance sector with the analyst house predicting that a third of European banks will collapse by 2014 as a result of the Eurozone crisis.
There will also be a shift through cloud-based services and social web platforms to take a quarter of the consumer banking transactions away from the traditional methods, which is potentially where some investment will have to take place.
But any spending will occur against a backdrop of ongoing constraints in spending and concerns that the economic landscape in Europe will worsen. There have already been several mentions of the dreaded double-dip with some forecasting a slide back into recession.
"Many industry business models will be challenged through 2015 as customers continue to adopt an always-connected digital lifestyle and market competitors exploit emerging technologies to achieve business growth and success," said Kimberly Harris-Ferrante, vice president and distinguished analyst at Gartner.
"In 2011, many industries globally had to cope with a stubbornly sluggish economy that challenged organisations to balance the sometimes conflicting imperatives of maintaining costs control while enabling innovation," she added "The market, economic, demographic and technological environments that industries will face in 2012 will require them to be nimble in their operations and enterprise practices."