The nature of the current bundled model of banking is fundamentally unfair. As the existing banking model is unbundled, everything about our financial services experience will change. In 5-10 years, the industry will look fundamentally different. Some banks will take digital transformation seriously, others will buy their way into the future by taking over challengers and some will lose out. As fintech extends opportunity and drives change, the end result will be the extension of financial opportunity to many more people.