The future of banking is already here. Are you prepared? Bank 4.0 explores the radical transformation already taking place in banking, and follows it to its logical conclusion. What will banking look like in 30 years? 50 years? The world's best banks are responding to this transformation, regulators are rethinking friction, licensing and regulation, FinTech start-ups are redefining what it means to bank today. Banks are being forced to develop new capabilities, new jobs and new skills--and it's a whole new world. The future of banking is not about new value stores, payment and credit utility--it's embedded in voice-based smart assistants like Alexa and Siri, available 24/7 to pay, book, transact or enquire. Bank 4.0 means that either your bank is embedded in your world, or it isn't. The final volume in the BANK series, this book explores the future of banks amidst the evolution of technology and highlights the beginnings of this revolution already at work. "Brett's best yet! While one may not agree with all his assertions, the fundamental insights--that banking needs to be reimagined from first principles, that it must be embedded into daily lives, that data, AI and voice are game changers in this regard--cannot be argued against. Bank 4.0 is a tour de force that opens your eyes to what already exists, and your mind to the imminent possibilities. A must-read." --Piyush Guptav, Group Chief Executive Officer, DBS Bank