Bank 4.0 is about the emergence of banking that is everywhere through ubiquitous technology capabilities. Advice at scale through AI; revenue and relationship based on instant service capability; bank accounts that help you save and don’t reward you for spending; millennials that reject credit, and seek simply an answer to their problem or question. Money that isn’t paper-based. Revenue that isn’t paper-based. Relationships that are not people-based. Banking everywhere, but never at a bank.
