Some current "Bankers" thoughts: ...

• 1960s thoughts:
  • Automation is needed to deal with Growth and Complexity
• 1970s thoughts:
  • If we can get 2.5+ relationships, it will be too much hassle for Consumers to switch.
  • Corps already had multiple banking relationships ( Primary, Secondary, Tertiary )
    • "best bank for a product" was more important than "relationship".
• 1980s thougts:
  • CRM will let banks grow.
• 1990s thoughts:
  • ...
• 2000's thoughts:
  • Banks acquisitions of subsidiaries gave each Bank many relationships
    • Customers got commodity products and started shopping like Corps.
  • 2008: ...
• 2010s thoughts:
  • Deposits and Payments Systems are being attacked via Consumer Technologies.
  • Mainframes >
    • PCs > Laptops > Tablets >
      • Smartphones

• 2020s (expected) thoughts:
  • Security v. Privacy ... ( K.Y.C & relationship )
  • RoboAdvisors will have the Banks' ( more profit ) bias.
    • MyBot will be better tailored and Trusted than a BankBot.
      • MySize ( not OneSizeFitsAll )
        • Personalized, not Institutionalized
  • Fraud growth