PreView Volume 3, Issue 1

PreView Volume 3, Issue 1


As organizations continue to evolve their risk governance practices, focused and relevant information about emerging risks is at a premium. The objective of Protiviti’s Preview newsletter is to provide an input for these efforts as companies focus on risks that are developing in the market.

In this special issue, we take a second look at topics we discussed previously, to help organizations understand how these issues have progressed and anticipate their potential ramifications. We revisit the ongoing troubles caused by municipal financial instability, the possibilities created by the unstoppable growth of Big Data, the opportunities that mobile banking offers to previously marginalized consumers, and the evolvement of, and key risks connected with, social media lending.

As we’ve explained in the past, our framework for evaluation of these risks is rooted in the global risk categories designed by the World Economic Forum. Throughout this series, we will continue to use these categories as a framework for classifying macro-level topics and the challenges they present.

We are interested in your feedback. Visit our blog, “The Protiviti View” (, to continue the conversation. For more on emerging risks, visit our microsite, We welcome your input and comments.

Inside This Issue

  • Municipal Instability: Another Look Back and a Look Forward Page 2
  • Big Data Revisited Page 5
  • Mobile Banking: The New Normal Page 7
  • Social Media Lending Page 10
  • Where to Learn More Page 12
  • The Protiviti View – Continuing the Conversation on Our Blog Page 14
  • About Protiviti Page 14



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