Worldwide financial services spending is projected to total $472.6 bln in 2006, a 3.6% increase from 2005 spending of $456.3 bln, according to Gartner. In 2007, the market is expected to grow 4.5% to $493.7 bln. Banking will continue to be the largest financial service segment worldwide in 2006 because of the size of the mass market for banking services in both industrialized and emerging economies. Banking services spending is expected to total $222.7 bln in 2006, an increase of 3.7% from 2005 spending. The insurance and investment services segments are expected to grow 3.1%, reaching $136.8 bln and $113 bln, respectively. Global spending in these segments is slower because they tend to serve only the most affluent in emerging economies.