Some business leaders already agree. Irish banker David Duffy worked at Goldman Sachs, ING, and Standard Bank before becoming chief executive of Allied Irish Banks (AIB). Here’s how he put it: “You just have to recognize that we are most likely going to be a highly-technology-driven technology utility in the business of payment and cash management, and if that’s the great portion of the volume of our activity in retail, what’s different about that versus how Google operates?”9
