The most interesting things happening in financial services are not happening in financial services. Thanks to a slew of new and older digital apps and websites, such as Apple Pay, Venmo, Square, Mint, and PayPal, kids can borrow money from their parents via text message or sign for a pizza delivery (including tip) on their phones. Families can use analytic tools to drill down through their own financial data to see where their money goes and how to cut spending. These tools have made every aspect of financial management—including transfers, payments—incredibly intuitive and easy.
Unfortunately, the financial services sector got left behind when the digital revolution hit. Now they need to catch up.
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