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Index
Title
Copyright
Contents
Preface
Acknowledgements
Part One: Bank 2050
Chapter 1: Getting Back to First Principles
First principles design thinking
Applying first principles to banking
A bank that is always with you
Is it too late for the banks?
Feature: Ant Financial—The First Financial Firm for the Digital Age by Chris Skinner
The Alibaba stories
Ant Financial: Building a better China
Chapter 2: The Regulator’s Dilemma by Brett King and Jo Ann Barefoot
The risk of regulation that inhibits innovation
A flawed approach to financial crime and KYC
The future form and function of regulation
Elements of reform
Feature: How Technology Reframes Identity by David Birch
Part Two: Banking re-imagined for a real-time world
Chapter 3: Embedded Banking
Friction isn’t valuable in the new world
New experiences don’t start in the branch
Advice, when and where you need it
Mixed reality and its impact on banking
Feature: Contextual Engagement and Money Moments by Duena Blomstrom
Are banking chatbots the future?
Chapter 4: From Products and Channels to Experiences
The new “network” and “distribution” paradigms
Bye-bye products, hello experiences
The Bank 4.0 organisation chart looks very different
Onboarding and relationship selling in the new world
Feature: Future Vision: Your Personal Voice-Based AI Banker by Brian Roemmele
Chapter 5: DLT, Blockchain, Alt-Currencies and Distributed Ecosystems
Emerging digital currencies
Bitcoin and cryptocurrencies on a surge
The structural implications of DLT
Part Three: Why FinTech companies are proving banks aren’t necessary
Chapter 6: FinTech and TechFin: Friend or Foe?
“For me? Two servers”
Where the new players are dominating
Partner, acquire or mimic?
Killing FinTech partnerships—the barriers to cooperation
If you can’t beat them, join them
Feature: Why Banks Should Care About FinTech by Spiros Margaris
Feature: The Speed Advantage by Michael Jordan
Chapter 7: The Role of AI in Banking
Deep learning: How computers mimic the human brain
Robo-advisors, robo-everything
A bank account that is smarter than your bank
Where automation will strike first
Redefining the role of humans in banking
Chapter 8: The Universal Experience
The expectations of the Post-Millennial consumer
The new brokers and intermediaries
Ubiquitous banking
Feature: Going Beyond Digital Banking by Jim Marous
Going beyond digital banking basics
Amazon model provides a guide for banking
Feature: Digitise to Lead: Transforming Emirates NBD by Suvo Sarkar
Part Four: Which banks survive, which don’t
Chapter 9: Adapt or Die
Key survival techniques
Survival starts at the top
Chapter 10: Conclusion: The Roadmap to Bank 4.0
Technology first, banking second
Experience not products
The Bank 4.0 roadmap
Conclusion
Glossary
About Brett King
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