In a world where banking can be delivered in real time, based on predictive algorithms and surfaced using voice-user interfaces like Alexa and Siri, in a mixed-reality head-up display like Magic Leap or HoloLens, in an autonomous car or home, or just in increasingly smarter watches and phones that you carry everywhere, banking simply becomes both embedded and ubiquitous. But let’s be clear—it is not the bank products of today that will ultimately become embedded in this smart world. Only the purest form of banking utility.
