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BANK 4.0
@brettking
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brettking
BRETTKING.com
Innovator of the Year 2012
U B I Q U I T O U S , E M B E D D E...
E R M A , I B M A N D C H E C K P R O C E S S I N G
THE MAINFRAME ERA
THE SELF-SERVICE ERA
“ T H E M O S T I M P O R T A N T F I N A N C I A L I N N O V A T I O N T H A T I H A V E S E E N
. T...
THE EXPERIENCE ERAT H E I P H O N E WA S J U S T T H E S TA R T
THE AUGMENTED AGET H E B I G G E S T D I S R U P T I O N S T O B A N K I N G A R E Y E T T O C O M E
A N D R O B O T I C S
ARTIFICIAL INTELLIGENCE
EMBEDDED EXPERIENCESA I , M I X E D R E A L I T Y, C O N T E X T U A L , G E O - L O C AT I O N , B E H AV I O R A L , I O...
HEALTH TECH & GENE EDITINGA I , S E N S O R S , B I O E N G I N E E R I N G , B I O T E C H
SMART INFRASTRUCTURES M A R T E C O N O M I E S , C I T I E S & C O M PA N I E S
FIRST PRINCIPLESH O W # F I N T E C H I S R E D E F I N I N G B A N K I N G A N D T H E “ B A N K ”
IT TOOK 50 YEARST O R E D U C E C O S T P E R L B / K G T O O R B I T B Y 6 0 -7 0 %
IN JUST 8 YEARSS PA C E X H A S R E D U C E D I T 9 5 % F R O M T H E S H U T T L E
THE 2007 IPHONEWA S A C L E A R F I R S T P R I N C I P L E S D E S I G N A P P R O A C H
DESIGN BY ANALOGYA P P LY PAY WA S N O T - A P P L E PAY WA S C A R D I T E R AT I O N
THE ITERATION RUTB A N K I N G / F I N T E C H N E E D S F I R S T P R I N C I P L E S
MARGINS ARE GONEA C Q U I S I T I O N C O S T S H AV E S K Y R O C K E T E D T H E L A S T 2 0 Y E A R S
DISRUPTED SAVINGSY U ’ E B A O D I S R U P T E D T H E D E P O S I T M O D E L ( $ 9 3 B N A U M )
A L I PAY A L R E A D Y...
THE PROBLEM WITH THE BRANCH IS NOT A DESIGN

PROBLEM… WILL ALL BRANCHES DISAPPEAR? 

NO, BUT EVERY BANK RELIANT 

ON BRANC...
WEBSITE = BRANCH“ O U R B U S I E S T B R A N C H I S T H E 7 : 0 1 F R O M R E A D I N G T O PA D D I N G T O N ” 

R O S...
EMBEDDED BANKINGU B E R I S O N E O F T H E U S ’ L A R G E S T A C Q U I R E R S O F S M E A C C O U N T S
22% OF DEPOSITSI N C H I N A A R E M O B I L E . 8 2 % O F O N L I N E C O M M E R C E I S T O O
DE-BRANCHED NEO BANKSO V E R 6 Y E A R S D O Z E N S O F N E W C H A L L E N G E R B A N K S H AV E O P T E D O U T
$1.4 TRILLION IN DEPOSITSN E O - B A N K S , R O B O - A D V I S O R S , M O B I L E M O N E Y N O W M A N A G E 1 . 2 B N...
3x DEUTSCHE BANKA N T F I N A N C I A L I S T H E L A R G E S T F I N T E C H I N T H E W O R L D
CHINA BANKING EROSIOND E P O S I T S A R E AT 4 0 % G R E AT E R R I S K T O D AY D U E T O B - A -T I N N O VAT I O N S
D O W E T R U LY N E E D B A N K S O R B A N K A C C O U N T S
I N T H I S N E W W O R L D
WHERE WE’RE GOINGD O W E N E E ...
PRODUCTS TO EXPERIENCESF I R S T P R I N C I P L E S # F I N T E C H I S R E M O V I N G P R O D U C T “ VA L U E ”
SURFACING UTILITYC O N T E X T A N D E X P E R I E N C E A R E T H E V I TA L FA C T O R S
NEW ADVICE PARADIGMSW H E N M A C H I N E S O U T P E R F O R M H U M A N S I N T H E A D V I C E G A M E
AI-BASED AGENCY/COMMERCE
O V E R T H E N E X T 1 0 Y E A R S W E ’ L L D E L E G AT E C O M M E R C E T O A G E N C Y
MIXED REALITY GLASSESB Y 2 0 2 5 A U G M E N T E D R E A L I T Y T E C H W I L L B E L I K E I P H O N E T O D AY
SENSOR DATA EXPLOSIONR I S K A N D R E L AT I O N S H I P W I L L B E S E N S O R & D ATA - B A S E D
NO MORE “HUMAN SPEED”H U M A N A D V I S O R S K I L L R E A L-T I M E R E V E N U E P R O S P E C T S
INFORMATION ASYMMETRYA I S W I L L O U T P E R F O R M H U M A N S B E C A U S E O F D ATA S Y N T H E S I S
THE ROBOT POPULATIONW I L L O U T N U M B E R H U M A N S B Y 2 0 3 5
AIs BETTER AT DIAGNOSISI B M WAT S O N O U T P E R F O R M S D O C T O R S 2 X I N O N C O L O G Y
AIs WILL SURPRISE USG O O G L E ’ S A I I N V E N T E D I T ’ S O W N L A N G U A G E
AIs WITH PERSONALITYA U D I ’ S A I R A C E C A R S D R I V E D I F F E R E N T LY F R O M E A C H O T H E R
D E S P I T E...
IDENTITY ALGORITHMSA R E 2 0 X S A F E R T H A N A C C O U N T O P E N I N G W I T H A H U M A N
CAPITAL EFFICIENCYF I N T E C H ’ S D E P L O Y C A P I TA L M U C H M O R E E F F E C T I V E LY
INNOVATION DRAG/LAGI N C U M B E N T S W I L L N E V E R B E A B L E T O I N N O VAT E FA S T E N O U G H
INERTIA & OLD RAILST H E B I G G E S T T H R E AT S T O I N C U M B E N T S A R E M O S T LY I N T E R N A L
PARTNER, ACQUIRE, MIMICT H E L E A S T E F F E C T I V E PAT H F O R I N C U M B E N T S I S T O D U P L I C AT E F I N T ...
2025/THE BIGGEST BANK
T H E B I G G E S T F I N A N C I A L I N S T I T U T I O N W O N ’ T B E A B A N K AT A L L
The world’s first Global Fintech Radio Show

#1 Business Show on Voice America
3 million listeners in 140 countriesU K , U ...
How First Principles, Advice & AI is killing Banking
How First Principles, Advice & AI is killing Banking
How First Principles, Advice & AI is killing Banking
How First Principles, Advice & AI is killing Banking
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How First Principles, Advice & AI is killing Banking

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My Next Money Hong Kong presentation on my upcoming book BANK 4.0 - Ubiquitous, Embedded or Extinct.

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How First Principles, Advice & AI is killing Banking

  1. 1. BANK 4.0 @brettking brettkingauthor brettking BRETTKING.com Innovator of the Year 2012 U B I Q U I T O U S , E M B E D D E D O R E X T I N C T Why First Principles is killing traditional banking
  2. 2. E R M A , I B M A N D C H E C K P R O C E S S I N G THE MAINFRAME ERA
  3. 3. THE SELF-SERVICE ERA “ T H E M O S T I M P O R T A N T F I N A N C I A L I N N O V A T I O N T H A T I H A V E S E E N . T H E P A S T 2 0 Y E A R S I S T H E A U T O M A T I C T E L L E R M A C H I N E “ 
 . PA U L V O L C K E R , F E D C H A I R M A N , 2 0 0 9
  4. 4. THE EXPERIENCE ERAT H E I P H O N E WA S J U S T T H E S TA R T
  5. 5. THE AUGMENTED AGET H E B I G G E S T D I S R U P T I O N S T O B A N K I N G A R E Y E T T O C O M E
  6. 6. A N D R O B O T I C S ARTIFICIAL INTELLIGENCE
  7. 7. EMBEDDED EXPERIENCESA I , M I X E D R E A L I T Y, C O N T E X T U A L , G E O - L O C AT I O N , B E H AV I O R A L , I O T
  8. 8. HEALTH TECH & GENE EDITINGA I , S E N S O R S , B I O E N G I N E E R I N G , B I O T E C H
  9. 9. SMART INFRASTRUCTURES M A R T E C O N O M I E S , C I T I E S & C O M PA N I E S
  10. 10. FIRST PRINCIPLESH O W # F I N T E C H I S R E D E F I N I N G B A N K I N G A N D T H E “ B A N K ”
  11. 11. IT TOOK 50 YEARST O R E D U C E C O S T P E R L B / K G T O O R B I T B Y 6 0 -7 0 %
  12. 12. IN JUST 8 YEARSS PA C E X H A S R E D U C E D I T 9 5 % F R O M T H E S H U T T L E
  13. 13. THE 2007 IPHONEWA S A C L E A R F I R S T P R I N C I P L E S D E S I G N A P P R O A C H
  14. 14. DESIGN BY ANALOGYA P P LY PAY WA S N O T - A P P L E PAY WA S C A R D I T E R AT I O N
  15. 15. THE ITERATION RUTB A N K I N G / F I N T E C H N E E D S F I R S T P R I N C I P L E S
  16. 16. MARGINS ARE GONEA C Q U I S I T I O N C O S T S H AV E S K Y R O C K E T E D T H E L A S T 2 0 Y E A R S
  17. 17. DISRUPTED SAVINGSY U ’ E B A O D I S R U P T E D T H E D E P O S I T M O D E L ( $ 9 3 B N A U M ) A L I PAY A L R E A D Y D O E S 9 6 0 % T H E D A I LY T X V O L U M E O F V I S A
  18. 18. THE PROBLEM WITH THE BRANCH IS NOT A DESIGN PROBLEM… WILL ALL BRANCHES DISAPPEAR? 
 NO, BUT EVERY BANK RELIANT 
 ON BRANCHES WILL DISAPPEAR BRETT KING, AMERICAN BANKER COMMENTARY IT’S BEHAVIOR STUPIDT H E P R O B L E M W I T H B R A N C H D E C L I N E I S N O T A D E S I G N P R O B L E M
  19. 19. WEBSITE = BRANCH“ O U R B U S I E S T B R A N C H I S T H E 7 : 0 1 F R O M R E A D I N G T O PA D D I N G T O N ” 
 R O S S M C E WA N , R B S - 2 0 1 4
  20. 20. EMBEDDED BANKINGU B E R I S O N E O F T H E U S ’ L A R G E S T A C Q U I R E R S O F S M E A C C O U N T S
  21. 21. 22% OF DEPOSITSI N C H I N A A R E M O B I L E . 8 2 % O F O N L I N E C O M M E R C E I S T O O
  22. 22. DE-BRANCHED NEO BANKSO V E R 6 Y E A R S D O Z E N S O F N E W C H A L L E N G E R B A N K S H AV E O P T E D O U T
  23. 23. $1.4 TRILLION IN DEPOSITSN E O - B A N K S , R O B O - A D V I S O R S , M O B I L E M O N E Y N O W M A N A G E 1 . 2 B N C U S T O M E R S
  24. 24. 3x DEUTSCHE BANKA N T F I N A N C I A L I S T H E L A R G E S T F I N T E C H I N T H E W O R L D
  25. 25. CHINA BANKING EROSIOND E P O S I T S A R E AT 4 0 % G R E AT E R R I S K T O D AY D U E T O B - A -T I N N O VAT I O N S
  26. 26. D O W E T R U LY N E E D B A N K S O R B A N K A C C O U N T S I N T H I S N E W W O R L D WHERE WE’RE GOINGD O W E N E E D “ B A N K S ” O R B A N K A C C O U N T S AT A L L ?
  27. 27. PRODUCTS TO EXPERIENCESF I R S T P R I N C I P L E S # F I N T E C H I S R E M O V I N G P R O D U C T “ VA L U E ”
  28. 28. SURFACING UTILITYC O N T E X T A N D E X P E R I E N C E A R E T H E V I TA L FA C T O R S
  29. 29. NEW ADVICE PARADIGMSW H E N M A C H I N E S O U T P E R F O R M H U M A N S I N T H E A D V I C E G A M E
  30. 30. AI-BASED AGENCY/COMMERCE O V E R T H E N E X T 1 0 Y E A R S W E ’ L L D E L E G AT E C O M M E R C E T O A G E N C Y
  31. 31. MIXED REALITY GLASSESB Y 2 0 2 5 A U G M E N T E D R E A L I T Y T E C H W I L L B E L I K E I P H O N E T O D AY
  32. 32. SENSOR DATA EXPLOSIONR I S K A N D R E L AT I O N S H I P W I L L B E S E N S O R & D ATA - B A S E D
  33. 33. NO MORE “HUMAN SPEED”H U M A N A D V I S O R S K I L L R E A L-T I M E R E V E N U E P R O S P E C T S
  34. 34. INFORMATION ASYMMETRYA I S W I L L O U T P E R F O R M H U M A N S B E C A U S E O F D ATA S Y N T H E S I S
  35. 35. THE ROBOT POPULATIONW I L L O U T N U M B E R H U M A N S B Y 2 0 3 5
  36. 36. AIs BETTER AT DIAGNOSISI B M WAT S O N O U T P E R F O R M S D O C T O R S 2 X I N O N C O L O G Y
  37. 37. AIs WILL SURPRISE USG O O G L E ’ S A I I N V E N T E D I T ’ S O W N L A N G U A G E
  38. 38. AIs WITH PERSONALITYA U D I ’ S A I R A C E C A R S D R I V E D I F F E R E N T LY F R O M E A C H O T H E R D E S P I T E H AV I N G E X A C T LY T H E S A M E H A R D WA R E & F I R M WA R E
  39. 39. IDENTITY ALGORITHMSA R E 2 0 X S A F E R T H A N A C C O U N T O P E N I N G W I T H A H U M A N
  40. 40. CAPITAL EFFICIENCYF I N T E C H ’ S D E P L O Y C A P I TA L M U C H M O R E E F F E C T I V E LY
  41. 41. INNOVATION DRAG/LAGI N C U M B E N T S W I L L N E V E R B E A B L E T O I N N O VAT E FA S T E N O U G H
  42. 42. INERTIA & OLD RAILST H E B I G G E S T T H R E AT S T O I N C U M B E N T S A R E M O S T LY I N T E R N A L
  43. 43. PARTNER, ACQUIRE, MIMICT H E L E A S T E F F E C T I V E PAT H F O R I N C U M B E N T S I S T O D U P L I C AT E F I N T E C H I N N O VAT I O N
  44. 44. 2025/THE BIGGEST BANK T H E B I G G E S T F I N A N C I A L I N S T I T U T I O N W O N ’ T B E A B A N K AT A L L
  45. 45. The world’s first Global Fintech Radio Show
 #1 Business Show on Voice America 3 million listeners in 140 countriesU K , U S A , C a n a d a , G e r m a n y, A u s t r a l i a , F r a n c e , J a p a n @brettking brettkingauthor Innovator of the Year 2012 5x Bestseller in Robotics, Biotechnology, Banking, AI

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