progress compounds. technology change is accelerating. yet, to most, progress in financial services remains elusive. banks are still around, some are very profitable. most startups have failed to disrupt the industry head on. dig deeper to realize change crawls in finserv (because regulation, because regulatory capture), that many banks are structurally unsound , out of touch with younger generations and living off of their legacies. for every JPMorgan, DBS, ING or Goldman, there are thousands of zombies. …see more