Today we speak with Luis Jesus - Global Solution Lead, Regulatory Capital Management, Risk Research and Quantitative Solutions Division, SAS and Luís Filipe Barbosa, Leader of European Risk Modelling & RWA initiative, PwC Portugal on Basel IV and the future of regulation.    For further perspectives - see: Seven trends that will transform banking and how technology and analytics can help Advanced analytics and big data are enabling smarter decisions and more efficient processes, from credit to compliance and risk management. Still, there is a mismatch between the industry’s taste for tech and its bottom line performance. Few banks have found the right combination of technology and business processes to make innovation pay.   This paper - written by Boston Consulting Group (BCG) and SAS - describes seven trends that are likely to define how the industry evolves over the coming years.   About SAS SAS is the leader in analytics. Through innovative software and services, SAS empowers and inspires customers around the world to transform data into intelligence. SAS gives you THE POWER TO KNOW®.