Is it the tipping point for traditional financial services?

In 2003, William Gibson famously noted: “The future is already here – it’s just unevenly distributed.” This rumination is particularly acute when we muse about the future of the financial services industry.
Whither the banks? It’s a question that can induce glazed stares and exasperated exhalations among even the most evangelical proponents of disruptive innovation. Why? Because although the high water mark of the global financial services industry has long since pa