One would think that the Factoring Industry has some significant forces to be able to repel the growing tide of disruption around the world. As you can see, we are living in disruptive times. However, as you will hear in the coming months, FCI will roll out a new 5-year strategic plan to address many of these issues and attempt to steer the association into a brighter future! And for those who are reading this Annual Review for the first time, we hope that this important annual publication will give you an in depth view of the magnitude and importance that our Industry holds today, and the opportunities for you to help spread the seeds of factoring to all corners of the world.