No industry or business model today is immune to the influence of technology. That power stems from its ability to provide a more personalized user experience, commoditize existing services, usher in lower-cost competitors and create new products and services that shake up the marketplace. We’ve seen abundant retail examples; look no further than ride sharing and digital music and the entrenched incumbents they are challenging.

Now it’s the financial industry’s turn. As breakthroughs in digitization begin to spur reassessments of business models, the value chain for financial services — from the front office to the back — is ripe for disruption. Success will depend on how we approach innovation and integrate technology into our business models. In other words, the fintech revolution presents an ultimatum: Adapt or die.

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http://www.institutionalinvestor.com/blogarticle/3536193/blog/the-fintech-ultimatum-adapt-or-die.html

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