Bank 4.0: Banking everywhere, never at a bank

by Brett King

Bank 4.0 is going to be embedded in cars that can pay in a drive-through without the need for plastic, or autonomous vehicles that generate their own income and pay their own road tolls. Bank 4.0 is going to be embedded in voice-based smart assistants like Alexa and Siri, available at your command to pay, book, transact, enquire, save or invest. It is going to be embedded in mixed-reality smart glasses that can tell you, just by looking at something—like a new television or a new car—whether you can afford it. Bank 4.0 is about the ability to access the utility of banking wherever and whenever you need a money solution, in real-time, tailored to your unique behaviours.