Many feel today that the big banks have got too big, have lost touch with their customers. They seem more interested in speculating on the assets they hold to create profit, than basic banking services to their customer. The criticism is often levelled that these banks feel they are big enough that if you don’t like it, they’ll just ignore you.

The question at hand, however, is Would Google build a better bank? The immediate answer might be – it couldn’t be worse than what we’ve got now. The question really is how could a Google or someone like them build a better bank?