The next question is a bit more difficult. Picture the world 10 years from now and I am going to ask the same question – What is a Bank?

Whilst I very seldom get any consensus the one thing that I get 100% agreement on is that the answers to the question will be very very different. No one is in any doubt about that.

One of the many challenges for the industry is how to maintain trust in the midst of exponential change. Stability and consistency build trust. Innovation and disruption do the opposite. How do we get this balance right?

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