Growth has been the word the past decade, with steady economic expansion underpinning market gains. These gains have been supported by innovation and a corresponding technology arms race. As we enter 2020, wealth managers are leveraging a range of tools, from consumer-facing solutions like robo-advisors to Cloud, API and other cross-industry types of enablers, to reinvent the way they do business. Realization of this new operating model will require balancing the use of emerging tools like AI with technology-driven groundwork to support pricing, product and platform strategies.