From the main road to the front door, the area surrounding the property is lined with paver stone and protected by a gated entry and security system.

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Failing sometimes is inevitable unless one is protected from competition by regulation or entry barriers.

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Furthermore, the market share is protected by "substantial" barriers to entry.

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The financial services industry, long protected by complex regulations, high barriers to entry and economies of scale, is ripe for disruption.

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The first is the entry of multinational giants into industries that used to be protected.

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Prof Garel Rhys, of the Centre for Automotive Industry Research at Cardiff University, said the LTI product had been protected for too long by the lack of what he called "free market entry".

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