Today's session is a strategic deep-dive from a former future thinker and innovation head at one of the world's largest banks. I explain 3 major trends developing with an outlook towards 2025/2030:1. Welcome to Zero-Marginal Cost Banking - Under pressure from GAFA and client expectations, Traditional banking product margins continue their exponential pace of downward slump to just above zero-marginal cost commodity services end-game.2. Independent advisory will become the thing - Open Platforms and digital services fully empower Financial Advisors and Relationship Managers to operate on their own - bundling bespoke client offerings using products and services from any provider - in the best interest of their clients 3. Banking will become FREE - The most popular brands from outside banking (think Tesla, Red Bull) introduce Freemium banking services to better serve clients. They will package current account, debit card, credit card, custody and basic investing in a smart simple way, and still earn money over advertising / other services.My name is David Bruno and I am an entrepreneur, startup coach and investor..Twitter: twitter.com/@SuperDaveBrunoLinkedIn: https://ch.linkedin.com/in/david-bruno.Music by BoxCat Games - "Epic Song" via https://freemusicarchive