1. Introduction

This book aims to present to banks how to apply new ways of dealing with existing issues and to formulate new solutions. It intends to keep readers engaged, simply through the presentation of new ideas. The intention of this book is also to develop a vision for banks about the future in the context of transformational changes in societies, and to make the book readable and understandable by people who work in the banking business, no matter what their expertise or rank in the organization is. Therefore, my aim is not to impress the reader by the use of IT jargon or banking language, but to introduce readers to a new way of thinking about financial institutions, regardless of whether the reader is a manager in a bank, an employee, a client, consultant or the provider of another financial service.