Bank 4.0 by Brett King

Banking Everywhere, Never at a Bank

This book examines how banking is being reshaped by digital technologies and shifting customer expectations, arguing that financial services must move from product-driven institutions to invisible, platform-based experiences embedded in everyday life. It describes trends such as mobile-first services, APIs and open banking, artificial intelligence, and the rise of fintech and nonbank competitors, and offers practical guidance for banks to become agile, data-driven organizations that deliver seamless, personalized financial services across devices and ecosystems.

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