Bringing the outside in
The FCAT research team identifies and explores the emerging technology, sociocultural, and startup trends that will matter most to Fidelity over the next five to ten years.

“We wouldn't be FCAT if we didn't keep an eye on far flung, really ambitious technological innovations.”

- Megan Kelley, Head of FCAT Research

What We Research

Future of Financial Services

In the next decade, financial services will blend algorithms, AI, tokenization and human advice in new ways to deliver truly personalized offerings. Digitization will impact stores of value, money, and assets, influencing policymakers to accelerate their efforts to keep up with an industry eager to reinvent itself.

The Next America

Americans’ lives are in perpetual flux. The once familiar passage to adulthood has given way to new and diverging paths to independence; fluid family formations, new sources of income, and multigenerational households complicate career paths and the experience of aging. Sociocultural trends like these demand new financial products and services.

New Business Foundations

New technologies such as AI, gaming platforms, and blockchains reshape how products and services are designed, built, and delivered. The business foundations powered by these and other emerging technologies will likely change how companies are organized and how money is made and invested.

Deep Tech

Deep technologies focus on solving our hardest societal, engineering, and environmental challenges. Though practical applications are often many years away, advances in fields such as synthetic biology, robotics, quantum, and space exploration have the power to spawn entirely new markets, opportunities, and ways of living.


Meet the Researchers

Anjali Lai

Sociocultural Trends

Customer behavior


David Bracken

New Business Foundations

Online Community

Future of Work

Deanna Laufer

Sociocultural Identity

Sociocultural Trends

Trust + Privacy

John Dalton

Deep Tech

Laureen Ouellet

Emerging Business


Megan Kelley

Emerging Ideas

Vanessa Kargenian

Blockchain Adoption


Public Policy

FCAT Researchers are available for speaking opportunities and interviews.

Opportunities are considered on a case-by-case basis .

This website is operated by Fidelity Center for Applied Technology (FCAT)® which is part of Fidelity Wealth Technologies, LLC, a Fidelity Investments company. FCAT experiments with and provides innovative products, services, content and tools, as a service to its affiliates and as a subsidiary of FMR LLC. Based on user reaction and input, FCAT is better able to engage in technology research and planning for the Fidelity family of companies. is independent of Unless otherwise indicated, the information and items published on this web site are provided by FCAT and are not intended to provide tax, legal, insurance or investment advice and should not be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by any Fidelity entity or any third-party. In circumstances where FCAT is making available either a product or service of an affiliate through this site, the affiliated company will be identified. Third party trademarks appearing herein are the property of their respective owners. All other trademarks are the property of FMR LLC.


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