Banking as usual is taking some heat. The battle cry “innovate or die” is being chanted by fintech startups, big tech companies, retailers, and even the conservative banking industry, all looking for a way to disrupt the traditional landscape. In the not too distant future we may see the demise of currency as we know it, replaced by some weird amalgamation of blockchain ledgers, mobile and wearable solutions, reward and loyalty programs, and Internet of Things payment reconciliation.



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