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4. UHNW is King
The economics and long-term returns behind wealthier clients will always keep UHNW-focused bankers in business.

Not only do such clients make larger transactions and often seek complex solutions not fit for digital channels, but many are also a source of non-wealth business in areas such as lending or investment banking collaboration.

Even those that wish to focus on core assets will find ample support from various specialists or «direct access client» desks.

5. Move to an EAM
For many RMs, the brand and abundant resources of global banks are sufficient factors to keep them from seeking greener pastures. But for others, flexibility and access are key which has led some industry veterans to leave and join or set up external asset managers (EAMs).

This is especially common amongst those with clients that are large enough for sophisticated and complex solutions but not large enough to always receive top treatment. Though sometimes negotiable, policies and processes designed to reap benefits from economies of scale at banks often frustrate clients with banking relationships at the marginal level.

In the post-digital world with more relationship data and stricter cost controls, decision-making on pricing or access is unlikely to grow more liberal or flexible. RMs with sufficient skill and experience seeking a more fluid and flexible environment may wish to join EAMs if only to avoid the watching eye of the machines to deal with human managers.