Assignment 6A- Identifying Opportunities in Economic and Regulatory Trends

• Economic Trend: Baby Boomers aren't retiring
• Source: https://www.thebalance.com/top-usa-future-economic-trends-3305666
• I believe an opportunity exists here because of the fact that there are less people retiring now but will be later. This presents an opportunity for those in the retirement business down the road. It also means that the younger generation is unable to take over jobs which forces them into part time work and other risky career paths.
• The typical customer in this case would be those in the younger generation that are looking for a more permanent career. It could also be the older generation looking to retire finally. Taking advantage of this opportunity would be difficult because of the regulations and changing peoples minds in order to open up the jobs and careers.
• I think I saw this opportunity because of the need for jobs in the younger generations. Many of my friends and I have a hard time finding jobs because of them being taking for a long time.
• Economic Trend: Shipping is still growing despite uncertainties in the world
• https://www.thinkingheads.com/en/global-trend/future-of-shipping/
• I believe that a huge opportunity exists here. This is primarily because of the fact that the shipping industry continues to grow despite many of the precarious situations and strained relations in the world right now. The constant expansion makes me believe a huge opportunity is waiting here.
• The typical customers would be anyone who is buying items that must be shipped. It is also a great opportunity for those who are looking to get into the shipping industry.
• Depending on who you are this trend can be very easy to exploit. If you are looking to get into the shipping industry it should be fairly easy to break into it at this point seeing as how the industry is growing so steadily.
• I saw this opportunity because an expanding field is always ripe with opportunities. Almost anyone can see this as having numerous opportunities. However, with that being said not everyone will be able to exploit these opportunities.
• Regulatory Changes: Changes to allow for electronic transfer with the Federal Reserve
• Source: https://www.federalreserve.gov/newsevents/pressreleases/bcreg20181115a.htm
• I believe an opportunity exists here because of the new ways of transferring funds to the federal reserve. This allows for many new and improved ways of making payments and other transfers to the federal reserve.
• The typical customer would be businesses and companies who need to make payments to the federal reserve for any reason.
• I think that this opportunity is very easy to exploit because of the nature of the new regulation. It allows for an easier way of transferring funds that must be delivered.
• I saw this opportunity because it is a very obvious change to take care of. Anyone can see this opportunity and take advantage of it quite easily.
• Regulatory Changes: Changes of asset thresholds for small and intermediate small institutions
• Source: https://www.federalreserve.gov/newsevents/pressreleases/bcreg20181220a.htm
• I believe there is an opportunity here because of the new thresholds. This allows for banks to be classified as small institutions. This title comes with some interesting guidelines. Those in the small institutions are not held to the same reporting requirements as the large institutions.
• The typical customer is the smaller institutions and those who are close to the new threshold for small institutions. 
• This can be pretty difficult to exploit seeing as you can't make your customers money disappear in order to fall into the smaller threshold.
• I saw this opportunity because I deal with a small institution as my bank and am concerned with how my money will be handled with changing guidelines.