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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
- Sales Rank: #11700680 in Books
- Published on: 2013-02-11
- Original language: English
- Number of items: 1
- Dimensions: 9.11" h x 1.26" w x 6.36" l, .0 pounds
- Binding: Hardcover
- 400 pages
From the Author
Late in 2011 WH Smith, my UK publisher, asked me to look at revising BANK 2.0 with a view to doing a paperback version for the UK markets. Thus, early in 2012 I sat down and started on the process, provisionally calling the new book "BANK 2.1". However, when I got into the rewrite there was the realization that so much had changed between December 2009 (when I finished writing BANK 2.0) and today that it was turning out to be a much bigger task than I expected.�
In the end the new title "BANK 3.0" allowed me to take the central theme of the book in a new direction. The realization that multi-channel had gone from being a hygiene factor, to an essential survival element for retail FIs formed the basis of the premise "banking no longer a place" (also the subtitle for the book).�While around 20% of the original BANK 2.0 content remains in the new book BANK 3.0, the new research on social media, mobile, wallets and the cloud all produced a significantly different book. As always by the time you finish writing a book in a highly dynamic space like FinTech, there were already areas that might have warranted revisions. Well... those will have to be in an upcoming eBooks I guess! I hope you enjoy BANK 3.0 - BK
From the Inside Flap
Praise for BANK 2.0
"The impact of the Internet and mobile devices has made the rules in managing channels and how we reach customers a moving target. This book does something that no one I know has been able to do thus far—teach us to re-design our instincts first and then our knowledge about how this moving target will evolve."
Emmanuel Daniel, Chairman, The Asian Banker Journal
"BANK 2.0 represents a view of the future of bank retailing and channel strategies for the next decade. The fact that banks take so long to respond to these changes to the status quo means that any bank acting upon the key recommendations in this book will be a step ahead of the competition, and that surely is no bad thing. Now think what you could be if you acted upon all of the recommendations."
Chris Skinner, Chairman, Financial Services Club
"BANK 2.0 will change the way you think about banking in the future. Audacious, provocative, and sometimes controversial, Brett King redefines the paradigm of consumer banking. This compelling book is guaranteed to send your pulse racing and your mind searching for a new strategy for your bank."
Suvo Sarkar, Executive Vice-President, Emirates NBD
"BANK 2.0 is informed by Brett King's analysis of trends in banking over many years. ... I've worked with Brett and I have seen some of the results; they explain why Brett is highly sought after as an authority on banking and how the industry is likely to evolve into the future."
Dr. Richard Petty, President, CPA Australia
From the Back Cover
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
Most helpful customer reviews
27 of 28 people found the following review helpful.
Brett King should have stopped at 2.0 or at least wait a few more years before launching into 3.0
By Nicolae Andreica
I found 2.0 full of substance, interesting and mobilizing.
Bank 3.0 instead is hollow. It takes some of the main ideeas of the previous version, verbatim. Exactly, copy-paste, including pictures and graphs. This is the backbone of the book.
As for the skeleton, it is centered on the IT issues, rightfully perhaps.
But the flesh on the bones is meagre. The author glossess over some hurting issues as legislation and compliance by simply dismissing them: one shall not ask the client any paper, any signature. Real life is that banks paid hundreds of millions in fines for dealing with Iranians, for having branches in Cuba or for routing money for drug traffic gangs in Mexico.
Mr. King shallowly states that cash is not 'King' (as it happens). While fact based statistics in EU reveal that there are 4 times more banknotes and coins than they were 10 years ago when Euro money were launched. almost 80% of retail payments (small sums) in Europe are cash. Lots of talk about the likes of PayPal (all due respect) but not a word about the likes of Western Union and MoneyGram (are they doing bad, loosing ground or the opposite?).... Still a long way to go before cash will not be 'King'.
He hails the creation of virtual, state-less currencies, as a real alternative. Does not say a word of what would happen were they really about to take off. Would national banks and governments give up seignorage just like that? Would they consider the impact on the monetary base of the countries, would some feel that national soveregnity is affected. Would they tolerate or even support a currency that is not under their control? How would governments start currency wars to protect and promote their competitiveness if they are not the owners of the currency?
Though supperficial on some of those very important aspects, the author is wasting our time with lenghty paragraphs of coomon knowledge (even folklore one might say) as the Moore's law on computing power.
And so on....
For me the book was worthed about a tenth of the price I paid.
9 of 9 people found the following review helpful.
Banker's review of Bank 3.0
By Tom St. Dennis
BANK 3.0 BOOK REVIEW
By Tom St. Dennis
Bank 3.0-Why Banking is no longer somewhere you go but something you do, by Brett King.
Whether they are admitting it or not, you can be sure that this is a book that every one of your financial institution competitors is reading if they are any competition at all. Of course, margin compression, increased regulation and demand for higher profits are just some of the challenges facing all banking professionals today. In Bank 3.0, King concisely addresses another challenge that makes all the others pale in comparison-the dreaded technological challenge of mobile banking and loss of customers to non-bank competitors if bankers don't address the consumer's call for greater access through this channel.
King begins this exhaustively researched tome by reflecting on the crisis of credibility that the banking industry has had to cope with as a result of the recent global financial crisis. He then painstakingly documents the more urgent issue that is building on top of this loss of credibility which he calls the loss of modality-the breakdown of a bank's traditional consumer interface, commonly known as the branch and/or customer service centers. For anyone who has had to use their lunch hour to drive to a branch only to stand in line to be serviced by a less than confidence-inspiring CSR, or waited on hold to talk to "Susan" from India, you know what he's getting at. He ends in his typically brusque style by reminding bankers:
As bankers you've been more inclined in the recent decade to become the problem, thinking that banking is unique, special and requires hurdles or qualifications before a customer is allowed to avail themselves of your products and network. This friction will kill your collective industry unless you get back to the core of what banking should be about-helping and serving those customers that are your lifeblood. The shift in consumer behavior is speeding up like never before. It's time to get on board, or get out of the way. (p. 387)
Those of you who have served in executive management, as a board member and/or in a regulatory capacity have definitely heard this type of bold assertion-that everything will change with the advent of the internet, leaving your franchise gutted, unless you get on board quickly. You've certainly been told by many reputable and perhaps not so reputable sources that you and your vaunted franchise will soon be left behind with nothing but expensive and empty branch facilities. However, King presents some impressive facts that undeniably support the shift toward new banking channels, especially mobile, that make those haunting claims now seem like a more possible reality. He also does an excellent job of demonstrating an international perspective on how consumers and bank customers are migrating toward mobile and how this trend not only suits customer behaviors better than traditional brick and mortar channels but can also function to better address their real needs. Perhaps his most impressive set of research relates to non-banking firms that are opening up inroads to what have been traditionally seen as branch banking customers. This section of his book should even rattle the most staid of Credit Union and/or Community Bankers who have always relied on the "loyalty" of their hometown customers.
Thus King has offered the banking industry an excellent service by carefully documenting how the loss of credibility and trust in the banking industry due to the global financial crisis and the rapid increase in the functionality of technology, combined with aggressive non-bank competitors entering the traditional space of bankers, is a real threat to their hallowed turf. His insights regarding the evolution of what constitutes relevant marketing strategies as well as the commoditization of the banker's traditional control over "money" which is rapidly evolving from something physical to a more ethereal element should make every CEO, board and of course regulator, wonder what and how they are going to adapt to this new world of banking and evolving customer expectations.
If you are serious about positioning your institution for the future and just can't figure out how to cost-justify your institution's physical branch platform anymore, you need to take a hard look at this book. If nothing else, you will get a glimpse at what is behind that light at the end of the tunnel that in reality is the train of progress coming to derail your time-worn beliefs.
Tom St. Dennis
3 of 3 people found the following review helpful.
Banking in a disruptive world
By bortne
Brett King is one of the world's leading business strategists when it comes to retail banking. His Bank 2.0 : How Customer Behaviour And Technology Will Change The Future of Financial Services made a huge impression in 2010. But much has happened in retail banking in three years, and in "Bank 3.0" King addresses some of the same issues as in "2.0", but also elaborates on some of the most recent trends. His subtitle, "Why banking is no longer somewhere you go, but something you do", elegantly sums up the profound changes he sees in retail banking worldwide. For those of us interested in retail banking and want to understand how to deal with these changes, "Bank 3.0" is mandatory reading.
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