This is such a good piece, and explains vividly why legacy industries need to change at lot more than they are.  1) Alipay means most users don't need a bank account 2) Banking biz model fleeting because Amazon and Alipay could offer accounts for free  .... but 3)  on the other hand, banks are making chatbots and Alexa skills. https://lnkd.in/eVgirBu …see more