All sectors of activity are facing a context of significant transformations. The most prominent factors include the uncertainty of international trade due to changing tariffs, the new, unstable global geopolitical map, fluctuations in national conditions (e.g., housing, real estate, labor and relevant regulations), tension in the financial sector (interest rates, crypto, stock market developments that include divergence between the US and Europe), and technological advances.
In addition to these general transformations, changes have also occurred in the industry as a whole: segments once believed to be exhausted are re-emerging, what were previously known as alternative segments now form part of core business, and corporate operations currently constitute a new competitive landscape. Financing is diverse, but often erratic in terms of quantities and conditions, thus adding yet another component of complexity. In addition, changes now affect people: top managers and entrepreneurs are taking on new roles and responsibilities.