"Two disruptions of absolutely unimaginable scale are radically and totally transforming retail banking: (1) a worldwide convergence of financial services, telecom, retail, healthcare and media and (2) the chaotic mash-up of multiple emerging phenomena including nanotechnology, big data analytics, telemedicine, smart cities, machine-to-machine interaction (the Internet of Things) and the incredibly rapid growth of the middleclass in Asia, South Asia and parts of Africa.The new middleclass represents hundreds of billions of dollars in fresh revenue for retail banks. By training and temperament, however, most retail bankers are unable to "think beyond the branch." They do not understand that in the modern connected world, the "branch" is becoming largely irrelevant. What matters instead are the services delivered to your laptop, your tablet and your smart phone. Connected digital devices are the future of retail banking, and the time to begin preparing for the new paradigm in right now! The book provides the steps necessary for a retail bank to adapt, evolve, and succeed in the new world"--