As a result of shifting responsibility for retirement planning onto workers and financialproductinnovation, virtually all Americans (and foreign investors for that matter) that had accumulated any degree of wealth turned to financial services firms for expert, independent investment advice and investment products.
The concept of a derivative product, with a value that depends on at least one risk factor, has been the greatest financial-product innovation of the 20th century.
It found that perceptions of the enterprise (workplace, governance and citizenship) trumped product perceptions (products and services plus innovation) and performance (financial performance and leadership) in driving reputation.