Brett King

BRANCH TOMORROW is a wake-up call to an industry stuck in the past. For decades, branches were the heart of banking. Not anymore. The pandemic proved that customers can bank just fine without them—and many now prefer it. This book shows why digital-first isn't a trend. It's the future. Forget nostalgia. This is about survival. Backed by global data and sharp market insights, the authors lay out what it takes to stay relevant—from rethinking branches to embracing AI, mobile wallets, crypto, and beyond. If you're still planning your strategy around foot traffic, you're already behind. Written by Brett King, the thought leader in digital financial services, this book also features contributions from experts in various regions, from China to Latin America. With multiple bestsellers and awards to his name, King brings clarity, credibility, and vision to one of the most pressing transformations in financial services today.

Winner of best book by a foreign author (2019) at the Business Book of the Year Award organised by PwC Russia The future of banking is already here -- are you ready? Bank 4.0 explores the radical transformation already taking place in banking, and follows it to its logical conclusion. What will banking look like in 30 years? 50 years? The world's best banks have been forced to adapt to changing consumer behaviors; regulators are rethinking friction, licensing and regulation; Fintech start-ups and tech giants are redefining how banking fits in the daily life of consumers. To survive, banks are having to develop new capabilities, new jobs and new skills. The future of banking is not just about new thinking around value stores, payment and credit utility -- it's embedded in voice-based smart assistants like Alexa and Siri and soon smart glasses which will guide you on daily spending and money decisions. The coming Bank 4.0 era is one where either your bank is embedded in your world via tech, or it no longer exists. In this final volume in Brett King's BANK series, we explore the future of banks amidst the evolution of technology and discover a revolution already at work. From re-engineered banking systems, to selfie-pay and self-driving cars, Bank 4.0 proves that we're not on Wall Street anymore. Bank 4.0 will help you: Understand the historical precedents that flag a fundamental rethinking in banking Discover low-friction, technology experiences that undermine the products we sell today Think through the evolution of identity, value and assets as cash and cards become obsolete Learn how Fintech and tech "disruptors" are using behaviour, psychology and technology to reshape the economics of banking Examine the ways in which blockchain, A.I., augmented reality and other leading-edge tech are the real building blocks of the future of banking systems If you look at individual technologies or startups disrupting the space, you might miss the biggest signposts to the future and you might also miss that most of we've learned about banking the last 700 years just isn't useful. When the biggest bank in the world isn't any of the names you'd expect, when branch networks are a burden not an asset, and when advice is the domain of Artificial Intelligence, we may very well have to start from scratch. Bank 4.0 takes you to a world where banking will be instant, smart and ubiquitous, and where you'll have to adapt faster than ever before just to survive. Welcome to the future.

In the final book in the digital "BANK" series, Brett King tackles the topic of whether banks have a future at all in the emerging, technology embedded world of the 21st century. In 30-50 years when cash is gone, cards are gone and all vestiges of the traditional banking system have been re-engineered in real-time, what exactly will a bank look like? How will we reimagine a bank account, identity, value, assets, investments? Then stepping back from this vision of the future, King and his cadre of `disruptors' and Fintech mafia chronicle the foundations of this new banking ecosystem today. From selfie-pay in China, blockchain in Africa, self-driving cars with their own bank accounts and augmented reality tech that informs the future design of banking systems, this proves once and for all that we're not in Wall Street anymore Toto. Bank 4.0 is what banking will become. The Russian edition of Bank 4.0 was recognised as the best book by a foreign author (2019) at the Business Book of the Year Award organised by PwC Russia.

Strategic technology strategy for smaller financial institutions Breaking Digital Gridlock empowers credit unions and community banks to make the shift to digital—even without a seven-figure consulting budget. From leadership, to technology, to security, and more, this book provides effective, real-world strategies for taking the leap without tearing your organization apart. With an emphasis on maintaining the culture, services, and features you have carefully crafted for your customers over the years, these strategies allow you to make your organization more resistant to digital disruption by adopting key technologies at key points in their evolution. Expert advice grounded in practicality shows how FinTech partnerships and strategic technology acquisition can foster new growth with minimal disruption, and how project management can be restructured to most effectively implement any digital solution and how to implement and leverage analytics. Specific implementation advice coupled with expert approaches offer the ability to modernize in an efficient, organized, financially-sound manner. The companion website features a digital readiness assessment that helps clarify the breadth and scope of the change, and serves as a progress check every step of the way. Access to digital assets helps smooth the path to implementation, and a reader forum facilitates the exchange of ideas, experiences, and advice. Identify revolutionary versus evolutionary technology opportunitiesEmpower employee innovation, and stop managing all risk out of good ideasUnderstand blockchain, machine learning, cloud computing, and other technologiesForge strategic partnerships that will drive growth and success amidst technological upheaval It is widely accepted that digital is the future of banking, but knowing is not the same as doing. If your organization has been riding the fence for too long amidst uncertainty and budget constraints, Breaking Digital Gridlock provides the solutions, strategies, and knowledge you need to begin moving forward.

"In the next 10 years, we'll see more disruption and changes to the banking and financial industry than we've seen in the preceding 100 years"—Brett King Breaking Banks: The Innovators, Rogues, and Strategists Rebooting Banking is a unique collection of interviews take from across the global Financial Services Technology (or FinTech) domain detailing the stories, case studies, start-ups, and emerging trends that will define this disruption. Features the author's catalogued interviews with experts across the globe, focusing on the disruptive technologies, platforms and behaviors that are threating the traditional industry approach to banking and financial servicesTopics of interest covered include Bitcoin's disruptive attack on currencies, P2P Lending, Social Media, the Neo-Banks reinventing the basic day-to-day checking account, global solutions for the unbanked and underbanked, through to changing consumer behavior Breaking Banks is the only record of its kind detailing the massive and dramatic shift occurring in the financial services space today.

For centuries, the Radix existed in rumor and secrecy. Saints whispered its legend. Alchemists craved its power. Armies fought and died to possess it. Five hundred years ago, it vanished from the earth. History's greatest mystery, lost to the ages. Until now. The Radix tells the story of a legendary relic thought to possess extraordinary powers. Paleopathologist and elite government agent John Brynstone is the latest in a series of adventurers and researchers who have searched for the Radix. Across continents, Brynstone and his team must unravel riddles and ancient mysteries no one has been able to solve for five centuries. He's not alone in his quest. The modern-day descendants of the infamous Borgia family will stop at nothing to wield the power of the Radix. At the same time, another organization has sent a nameless assassin to kill Brynstone before he can steal their prize. The Radix is packed with historical mysteries, psychological thrills, nonstop-adventure, and international suspense.

The first edition of BANK 2.0--#1 on Amazon's bestseller list for banking and finance in the US, UK, Germany, France, and Japan for over 18 months--took the financial world by storm and became synonymous with disruptive customer behaviour, technology shift, and new banking models.In BANK 3.0, Brett King brings the story up to date with the latest trends redefining financial services and payments--from the global scramble for dominance of the mobile wallet and the expectations created by tablet computing to the operationalising of the cloud, the explosion of social media, and the rise of the de-banked consumer, who doesn't need a bank at all.BANK 3.0 shows that the gap between customers and financial services players is rapidly widening, leaving massive opportunities for new, non-bank competitors to totally disrupt the industry."On the Web and on Mobile, the customer isn't king--he's dictator. Highly impatient, skeptical, cynical. Brett King understands deeply what drives this new hard-nosed customer. Banking professionals would do well to heed his advice."--Gerry McGovern, author of Killer Web Content

The first edition of BANK 2.0 took the financial services world by storm and became synonymous with disruptive customer behaviour, technology shift and new banking models. In BANK 3.0, Brett King looks at the latest trends that are redefining financial services and payments. From the global scramble for dominance of the mobile wallet, the expectations created by tablet computing, the operationalizing of the cloud and the explosion of social media he explores: How Social Media has exposed pricing, over-regulation, outdated processes and poor policy, How mobile technology is completely changing the context of banking, How customer advocacy is killing traditional brand marketing, The growth of the 'de-banked' consumer who doesn't need a bank at all; and Why Banking is no longer a place you go, but something you do BANK 3.0 shows that the gap between customer and financial services players is rapidly growing, leaving massive opportunities for new, non-bank competitors to totally disrupt the industry.