The New Year ushers in a clash of the titans scenario with outsourcing giants Vertex and Capita going head to head in a fight to deliver administration, outsourcing and elect- ronic services to advisers.The main battleground for the portals will be in delivering multi-tie technology platforms. This was already in evidence towards the end of last year with plenty of chest-beating accompanying the announcements of multi-tie deals by The Exchange and Assure-web. The ability to offer fully pre-populated applications by the portals is likely to be a major factor in winning future business. Standard Life officially launches its wrap in the New Year and, with several other providers set to enter this market, questions will be asked about whether there are too many wrap offerings out there and how many can realistic- ally survive in the long term. The industry will also be looking at the wrap solutions adopted by big IFA firms and networks, such as Sesame and Falcon Group, and watch how they fare before deciding whether to white-label products already on the market. In the mortgage world, the sourcing engines will be looking to deliver affordability- calculation tools, with the help of lenders, to gain a comp- etitive edge and increase their market share. Elsewhere, the FSA is set to decide whether to outsource its technology and interest will develop over bidding for the Government’s National Pension Savings Scheme contract if the Department for Work and Pensions is not satisfied with industry solutions.