In 2010 Brett King published his first book BANK 2.0. It topped Amazon’s Bestseller lists in the US, UK, Germany, France, Italy, Canada and Japan, spent close to 2 years in the top 10 globally. In the first two weeks of release Bank 3.0 had already reached number 1 in the UK, Germany, France and Japan.

Bank 2.0 has been featured on Bloomberg TV, CNBC, CBS, BBC, National Public Radio and the ABC. Press coverage has been widespread Including The Financial Times, The Wall Street Journal, The Economist, The Australian Financial Review, American Banker Magazine, the American Bankers Association Journal, ABA Bank Marketing, The Asian Banker Journal, Huffington Post, LA Times, FinExtra, NY Observer (BetaBeat), Bank Technology News, Banking Day, Technology Spectator, and others.


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The first edition of BANK 2.0 took the financial services world by storm and became synonymous with disruptive customer behaviour, technology shift and new banking models. In BANK 3.0, Brett King looks at the latest trends that are redefining financial services and payments. From the global scramble for dominance of the mobile wallet, the expectations created by tablet computing, the operationalizing of the cloud and the explosion of social media he explores:

  • How Social Media has exposed pricing, over-regulation, outdated processes and poor policy,
  • How mobile technology is completely changing the context of banking,
  • How customer advocacy is killing traditional brand marketing,
  • The growth of the ‘de-banked’ consumer who doesn’t need a bank at all; and
  • Why Banking is no longer a place you go, but something you do

BANK 3.0 shows that the gap between customer and financial services players is rapidly growing, leaving massive opportunities for new, non-bank competitors to totally disrupt the industry.

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In the wake of the global financial crisis, retail bankers face another equally challenging shift to their business in the near term – the demise of the branch. In the UK, one bank branch has closed everyday since 1990. In the US, transaction volume in-branch will be down almost 60% between the period 2006-2015.

In developed economies, consumer visits to bank branches have been down 80-90%. Yet today most banks spend more than 80% of their channels budget on branch real estate, staffing and support. In a world where the fastest growing interactions with banks are through Internet, mobile phones and social media, what does the bank of 2015 look like? How will we support a 50% reduction in number of branches in the next few years? Where will all the tellers go, and what happens to all that real estate?

Branch Today, Gone Tomorrow is a detailed, multi-faceted business case for the reprioritization of branch banking in the channel mix. It explores economics, behavioural shifts, trust issues facing banks, new retail distribution models and drivers challenging the branch-centric models of yesteryear. Branch Today is not about getting rid of every bank branch you have. It’s about understanding how banking changes when branches are no longer at the centre of acquisition, service and channel strategy.



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The financial crisis is just beginning for retail institutions. Ninety to ninety-five per cent of bank transactions are executed electronically today. The Internet, ATMs, call centres and smartphones have become mainstream for customers. But banks still classify these as alternative channels and maintain an organisation structure where Branch dominates thinking.

Continued technology innovations, Web 2.0, social networking, app phones and mobility are also stretching traditional banking models to the limit. BANK 2.0 reveals why customer behaviour is so rapidly changing, how branches will evolve, why cheques are disappearing, and why your mobile phone will replace your wallet all within the next 10 years.

Brett King explains:

  • why customer behaviour is so rapidly changing;
  • how branches will evolve
  • why cheques are disappearing;
  • why your mobile phone will replace your wallet; and
  • how bank marketing departments must be deconstructed.


Bank 2.0 in other languages

Bank 2.0 Russian Version
Olympus Business Publishers
46 Friedrich Engels St
Moscow, Russia

Bank 2.0 Korean Version
V-Media Co., Ltd
#606, Suktap Praza, Gaepo-Dong
Seoul, Korea