Financial sector and banks must adapt to survive disruption
Posted By a Luxury Daily columnist On In Columns,Featured,Opinion | No 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ANR9EBzIspDopahsbvZkwqMo7\/YtbWsy4TwPg\/2oRSNBXkZzBS5w+2ML8hQMMT8cnJTlKqJe4TEYcNAHGVBot01B8qMo4YmanC7ybHXA6w9zsXrAgwuX3vAVdiTRzCaiVwHqwNMLzBAj9\/5ZLf\/2iGkkSMoJ7WIe2XoJ\/gvVHXGUkTLU\/aZQeQxLsXGtoENfKCVMje3phX8hHDdSkFpFpO1wObaXC926Yi15fhcui5QlRlFtibU5kdunvFOZRD4VPOF5gaiYf1KPZH3l6loQ5HuGcQQZRm+CsoDglKUXQgGYsAuzL3UShNUQ4PMLsCuiutrHtGwTS0a+9QuAk0RIN4RRQecp9P34Y9NrqYEvEZytSgYxV0jIs7R69byrY4TuA21VEKlkIKD+10Aq9IoPIa5NofZ36CBk51N3rL\/ju7TNhP9Ysz+kn4VoUP6A+EZ+gDfCqReN49c6bcfvdTQwkKDme2yBv0PXQHUZMzo8LZddPbv0G0HBc5tODxMDy1DUjXtXi0hhFldtgK4zYLgt5QNk+xZyfU0MfQD\/zvhrODnEUra6Y4EadpLz8xsb9rVOH3dSTWeMFV8A4chzJLCIKyoawsDpikQpoJVo9m+e9lnl8ZBmqufPKbN\/ekVhPOR2gfXgAGWJKCWU9kKn+bpHOsrvL5q0RTFbwciUNTwXKlHiamm3TjNbpPBtO1rH8OHGIHhFBuACuPHN9YdAF5jpZ6zkDQWVBQB6dhhy71otu\/cxJBGqcNtH6ggRVxWIAhiukCZo6R6PJ09gxT8P\/UcAtHWLHgayEcmnxbIxAy4RvnIUMXSNZYsx645SeP2\/Cn+i73LVpBJ5exdjF9TbQ0\/cyzAZGeYWykPgpmmtKr7RYGkzr9II8d8\/I0EWm4jF9QPqY8fd4iIuTsN1czeatQcujGzpB+IBzr0yXfHmfxGQoOhgiPtrilzbSDmvU3T+ebRTbEyPq1Mx9htCEEQ9IQFYxUZYSWqwYC2jc4uiz1rCw4sYJgNZRv5px8zXlZxBDr1FpLxMBWw7cW8s+z8VRz\/2OvysVmclnLI1X36pOwPoGvK7xpIyXgkhmqzPhtH3F2q+nKG\/rudEqfL7\/Q7oN6WOF\/hhGgW7TBYRKcB1RTIkafCMgmucKOtY\/whG3Kc\/zS9\/SeJkwXR2iIsDilkhsoyXQXmI5fqAGag9bPTXK7iOZAIX2t0SFkCwbzPLNuLpY7n5ptDB8EjU5u5EGCcsJ3aP4PG1zQunCMi+lRpKT5Mgmh4r+JDan15tfPAVEzeN6l9GZ5BTuUTakBPVpyrhBFZzgqM+4j9HzD3ayG6qmY5\/3SfLtPaa3bT66oKnSab13nXyMoJmG+hbD5DvjxCReDxvsSoSz7cy5CyvArY6Auv4+jAXYkasrAIq45QscUYXZr2d2RictlFQyBDmehDZw46rd5DfyMEDoG2rv38P0soRH3pIjzbaY1oYKBi+ujHI3mnXjTkCzsP11swbQua8OuTQoydC1pwsig\/xjFqqu2OjcCw4Y0sGwlg\/lFkiitk1HADi7QkwJWnV+T0sTT2bdDVOHqJMa+onGwVGjDTJ4KwO74c1h7Ze1ATiOMSo2nP\/6BOMsVzkTzSUJI2ivVqdsmnxtFp6iDjctD4d1BihqzQUatmY8JcWOO5n6FLQRHx4FVob1J+7uwGduTp9vQSPJOUY++Qx6jG2pLVdXjSH88VQiQTawS30Qr\/iViTJPJtaQCnRUkXFMfbhBziVRpUIF0lHM0KT22nP1LHLeWxdIPTPtMVI+kgrLNvszLA+4cDjeQFnu2TrJaDNP7ap32JP4JoAAsh1eZmxtjmAKRrHriibKkIqbv9viTxfuzwTrC5OCMYGw5NvBQdbKMGD1sqXJePm\/hkhZ+Kygi+nRAnwSio5gJt3s8qiXB6k+39kBIBA7HXv+blzYQENNcJQxJyyNWmH5wTRcFZH6U9HHYEZBn4AGIgCxZoiX1Tv9azUE3h08KOiXFHACfjdBecY+hXM7O+DN8JggXw9APtNeRukG2JvvxB4m+kK3iACnJIF5Pt1V+EcOtdkUW6DHCvY9fZeENO8mMVoT6f3f7vOQfbhdItrbHCCkoG9OYYNTbLFEDNlN2rCPTNYcdejg2It3an7tAfoS1gCsWgiuJ7SOX332b\/r7KD3w0Rlb12kZj5IcyP4DsUHYnicfnJIJ+0JyeEnOEkw\/hkxuT7jkC8V0gCpixIkIbMIUpvYZCWELIDke+bQ7sAv25P+TVJVv9vqs+OSeg2QHP1HH2iqgnTwdJL\/Vj3iXpdw7d8V6wfglP8T+AXiKxmgPMIzkMYIehCehVIk9k1f4+plJa6R5D8loUxtp8gHj+PvOO+faOJ\/40ti4dq7b3B7Z75FUx4xbURT7mF8TACiLXJ1rTEYc6oZ+kwcmVloPV5B81S165kuquQWMPMiFcmzCYVFsF9sT\/a1bjAFlybZNVXfDkfNmLimuhL1bs09gSb7uXLsNbr5\/Dxg9wW45OnpdrsZCHulQmuG\/WzE2fO+vzt3xs8yDIUnP7hndjq6ZBkDDn2gFaQEcJYI0PDkqQepMrINH0Gtba7GW2gahdNCbYGujBgtmXSymhX\/hiTwkyxw0XNUITIabV2L7eAOwHLKl1jphjNg0WdNORSkYtAfiJ2isNYnh0CStl9JxDJzzzpOuEqzkxGAuDjIv4DSW0KPxYaFAfRt3svxfFfq20NxyyDjxIUompNCIPvQVn4aH60upieCK85\/pUK6QCQ3lgddk6zkHfSZXFzuGZ\/2zKkw6qUkXMYBQUsSnF2wXfEgrIvqqqc6CnQwzSS55WsZcXhiQQDlr98mgu1xofiVjUR5GWSkyakO4f6Mpdqz\/96lIeVSUr\/hNHdM7xEalMxvlYkSIV\/XTcmBscF+nw4TXHLFp5R76yc7cdgcNJDsRXVIeUQG930EIMUsBe0tk1rd37lK2F8yDeDzuWHaZbhkkVbzMKdON+ZaWmwn6lMOiqcKiwKd4yqgiTVQrWJBQP\/bDtauJQbSm9H7YfalSt1XhLAWnhHoP0ukpYg6DRf6EDvTaFdvK2yPUsWbnCsg3F0ac+NRGq7B39MDlbGf5pZeO0v5Z+45lGVbI6EvxAH58Zh56xBWvVo2hD4KhxZffAQ+XcdhPRQXn07d\/kH6BCMrSz7kRqmV\/FUdyVotZqJYc9RKIGMrKqBvU0H33Vix7E0uni4ZG+fasZuEEqG6D\/2Voqd78TJi27ikvha4zxiCz4CXWdLXnt0f3813QGj2wJ+OvnnOhXc77OfY8qEUtUeVAzdwD4CRO0jnDo7S0Ndn9pMg7uajsrJM3pq9cA4058JRmpPr53OXxv4UY4k4hEL1qR6AxTx4mkLjX8zgcNOfmQlHjGt84RFedDj8qAANIgtOcEs0vebeTFssDe3atjZSuQTvM12\/Ri006pwQQPSUI\/qO3wUmmyK7Qi0W+ihYWdhb9Q2eYCBMBS2ieJwG+Lw7zqyDx0PyZJypAtz8lzJiqS6T+hGWAi+GmossuEV2mAz2hG1MWcL\/FatpgE00FZ38D6OdhS0T4XrYpPRGriNGg2DH\/nBQ0gaYq6f4ft+IGy8FrUKgxMrIAy6EiBPYwSZeL6ipWAbZZvaIZpwVh1Vz5k8IjZFHvTFqBnYZjTTjlsTWfCgIE4ENPVyLos5hABnWw7MFf1cmMdXZVrInOlQaVs4ZkPTeB8QIDuRKYBHiN4j2FW\/+vjy9q5lO\/h7jZDSdOwiqOhAMktSvL1qlyMLb58\/+saz5qAtgncymd0WDF735fX6mz3FCoxdN44pRH0zcAPEr8J4K9KDJwFE8hPpdLWiL94bxdhDu6qvEUQrKzz0yGPnhFgv0Ee0nfQm7QkDKnFHriyHExckssJqSNrhezWUUVKL503HK1ysbHvgMMUeBt9yudfb37Qj8MkIcX8WZQf5irs\/2IVx7ZBKwkWZqL\/FkezvNplZa1jsSKUA8Srd05DTS0ppHy8b1AUoFDIX3Qy1FWZ7Rz\/F0qiyFR4ezfHL0mvig0NggWSww5iY\/aA01qw1JlDDnA9A9D\/RMi3zUudZFvslHZrXVGTUsP6a2dtCeEAuMQxW+0VyySJDbaGFGY\/dknI9XncXh0ObQia4r3P+19nrQCCH+oEE\/T7otqgwYrsqsc27tJbpVedqoF8A+Qv68vo5vUSzLpSCkHTzSCwxKnjVI+40SNmAQywUlt0TN8HfefxOTiQ\/CCx5\/oCt6uROl6NB1A3quFAAwIwxfNbuiGo1WzzepAvlrdBi3a1uR9JHuyRCOLdjS5pkex+5tc0I3aLMf\/1zZIWoDSygvWkA6O0YQLLJUoVeQXT5jHhEFvKcjPWY\/u5Dkf5SFBMUY2o6L2WUWE5kfue3k+ruglKqqbaVpM4XVXPh4ok3q0eQe+qLJr4blKg7ixBRmKigku9DkXs1iXyuPrKmXd3l+h51kE6eWbBxyc4SbFZ5G9R4vhjY\/yQDpI1qy51rfkfZ39cjXnlBuX3N6iwNlQPMkfEafk1R58dVacVEiPZ5fW+43o5KOhOPogrVwCQEF0uTtyu2j7eneMIZUTzBWj9K3yJnEckg89X5DyzI5AReIBQVnVRfAcSuXeRZKVUGxoZBkPok3uKpNrwJ5QGcs7Y\/MvPYaEMhejp++LTgx3lD4T4FibAnI+nTpTX09Sib0+PU+v2IfjZ+BRZDDSEwYtKT9SKaRZfJocoCwCoEm6Q+pgpnTmEKv5x7OY\/RHsXbzo\/OdRBE1qqE4noqFl42Hxh\/SQ1z8gO+PoGyTN5MUZI7QWUj8pXDPZBiSaO\/LMm11+ybi+0W8SQBMgTsXymHl44xqr6yqq0e0I4FCwoCLB1BReYjmj5dWxsrDd3GzF9DCmc4guU48R9pGjL\/4\/4c9Y3GLg9BsAU\/8E2fODETSBzbBA57w+jqz+8Gy9AwRp4C\/1QglcLUqROoYrDw\/oOixW3f3xCnG6YpenPd\/8rjsY0\/q9gKabGA\/CcIh\/4lbQe4cNHR6m8otoniOZ8xv0ZbXbX0oA8cblIJBV+Uxej06uNx+n7y3P+X4K+Rz85p32rlhWZC6icPoBxDsokO2NAqtyPbic1RXihkgnVCEu7zLWNZInPGaSbTz02Hl28RFVFaEmTay4rSz+ILTkDKEC0rrElxhXhxaW61yS2qc9IxYIrr4rok4Rgghi0z\/+mDq2yeYNDjvber6oZroegTaSijqztBrLZKYBFhjtRRARd5KmTtk17oqjKnUlPVhAA8ELbaZ3r2UKX5lBYjhr8J5YSAWYpuFdepKwtYljqDlsg5+hYSWd4AWHd2nx0uHTP6k6x4Ks4WsuNNQgtO6nj7PDLJqp6qI9NBWTa5FCy1N2D8HVUOUSLAWvVp1PCv8PFiZJD90d03D4nVqwsUdAWHuRmJ1vOSwlGNerrHnveI9dzO3eYVX0sMk7hLzS5QtxrRQLf7R82ciJFvr8DseBtfB1aMHrinoJawTh4+E1AuNQvZLhseXe8GMFQVRA93Xrlvb\/to70fQpRFx6Lxwvqi8dXUrz3UNDOZJIm39NCAKxj1djjiclagxGWY6MI1iY0TVCIEklWZ83VxHPgx\/K7zk8K4eOL4cDedL6k87kjCck\/iOyhaXGHI8zVeeAM7iRiRbnH6sO9LnGp\/fppu3s5c9M9DRrCHLhartv1G6yPQhx2b2cZO2g6WIMava+1LpRXpNggTJB4dOj9Q7UhutlgSBTfwkCJKNe18ncYBRfylM93H29nYt71oOP7lKPv6Ln6tfLJ8rpQ\/Z0y2LJ0wXzeQpMe7AaXnKPdg4+\/WmpCXAzH0dEs4+TC1v0mLvKmYrWuIf+fbwelxk5sWY8dq4VLifB2En66f+etiIe5AH48wUTteoUfiAPlJkC34oJeZvFc022dCaPNoSdA6FTjS6es+iNin4U+Xh+NWp\/60lIBuOQmgfVU5bsrQvGb2W2\/wXvZTsX7JiRZRJMdeSvQ9wq3fFLOfl3lLaSr+HGb6YrnRcpd24TPEgC3hL9k8pD3aTvBRfQdO3mWP++PgFWMSDJdc9U4iVYeeOc2ygIP3eAdonpRwNpg+zSVYsinndXdt6iqMpwwJ7RUpd7t5QrDrFvTD2n79vDlZapDbOZBLBXbPZZu69YYbonPdnQq4\/lLUuDHUkjR838QEOp4flXguQ\/njzvZlhQbJK5qMNg1J5AEQP6VPKFy5tWQQvUuMmyqGoD6\/\/bK+lf1Twke\/z0U9irgiga3hkihPHihmOEkrDtdMehSwR1ftmIfWaxPHuaghRD5+XcOhWcm3xD0TjlMmx\/QJnwvLNMnv\/4crinrhFAlBPaiSCNYF+GOofpYDbl9Lv\/LgBHZq+ziiCvFn4RGNWLOKmXJTKAlQZUs2gVS+K7towyES9jOv6UUjtvYv3rWTAOMiTQywBG4R\/98HDeEe2bNqJ4Nwpyh3AStJvvGyQsLU1YsGtdDaHFtXDdOoLbX9n84VH0RFJC6gWiY5Jo\/hpdr0\/JTu8jFCtOpTSi82njKLseGl\/M+bGTxjjatqzSqNh+sZudhu98UmR1KOZqElvXgSjo3a3pIdu\/5NL9HOmDb17gpL5UpI5HY+ewCdLZrWsolEn2rPeZZibK120\/793rN6\/37dTotwFjXYviuCQno6cIrIzu4Sqr+rL8eZse21B27DzIhQ55lnXI3oVoUgYPrwA6l7lF1dewYwVfpQ8G7eypDY5A76dhVcuveFr3eoPYbiqNnF5ym6Va7FpDVJr3NEGO4wA7mUcH5IZ+Ub+SvjesJ\/0E07nB4z2cXaQNzaJVpoYcejoDYI7uTSmeqHNaE+BCzb2IFbzaY88M7Qtw78zcJiM9z6c+2blqPtMIfJObXWuFhx0uA29dLMeFzt2Fcd0cKrAnEv6krFGTcIZlO8uRqvz0ibuPGptN6Z6RFUFK0y1QF5zbOB6SsCB0fhybDMXGwA1jjFTC9Ae9gKXsmwMjAfW6z5rOVTftPHxy2L2r92Tn6V40X+VeZ45wKxwdmIUCLui\/SMrjHO7U0f6JKOsyacdNvrte1S1uO43t6jErhWji4YVzB6+K9dQS9ZbmffP8mzhfHp1Y8E8NYryhHYvfCcKFQrkGOeNmBtzXD\/jXBY\/dun3id2JzMPPzBNptcFAJODZU188w56LmASUxx3F5TiqLZ3cCpyFOT186r6m6e4ggcIGD3krg2SMJxQc1Np3gKtvBhe8iN6pKZ7ZG\/plYsdYDlYHXbusoSZhQiL3Q\/eJHHYkn2R8JbjIhDD8xBpt+a0sOtrHbuEOOvNM\/F+gPRalHl+iEXe7WjZvT5tXlnvyh7idgJfkAXn9R9V7fE26U5uzgtVupl1MYUdterks6j2MO+wuVD9F4jPO6\/s2rK1Fd7hdrn4UzFE67\/UqzHUAKHob9VTtiTWmNAMEam1X6Vk2XR3YPbs0vis8hrpEa1STFF8+n5VqQJpqu2r4wCkPGtfMJYmChfRhFYyEZd5gI0Oil6ir7OoqRNJurSxnau536u92tQ4Yd40F5j86+VT0RtO1DsXwPpgVbCPLnIB60kQ4hhkiDcLW3+E4429+MRvxHC0NJ3zd6bXUjnOM\/JYnHBip1XB+xtbB62wiqI71sw+eMThCA+lTgM0YlUCo5v2vvboGndGdWVYXVQnSqUmRiQW4VtF1jb7AfLIchgEOxpunJwP2LVAheAwDiN4d11EpIbSsC3v1h8zerxvKwnTWxUJEngvj5\/nsslo0IwYFFb1Ru13Uu4+\/g8hNuXvfWrZEk3mnEXmIANEiPr5KHFF961M0AbLo4SIyvFrqUc\/ONrb30XW1F\/vviooqZT9lbqOA1QByWSZ7E6u+DKgkaqJjk9FvqUn3FaxpBdqXzLAo7+VGeApnIi7epq\/RRnY+TOZuPqo11AXcl\/pW\/FK95ZHCAWLNevEiGdOR7YLJJMO\/00KXYGEI1s98FEYUQFU4ZQWy8l5iJmSZmv8UQRzWexSszV2f9s\/WwId4zDlmGhkU+V6scOMmJY8TgaLlfaQBGDmMsIJbzLh40HMXmrK8\/r51jMuDbVLJCn2\/vElFrr5VIbVN\/ZdE511h9qJleQ9YuqZ+LI+1lxSgVuM9ZDyhdYjN+viYe2Ta2xg6yIacFbfege\/8Ns74+3R0VtGP4Ex3caWMOiurjygtM1UR2AQL+6AyZKwS\/E1X8HTlg0glFF3VgqLvTcYeLv3vfjV1wMokSGL4uj7NIvPo+P2R5rgntdJFjbnfUum1\/6EWlk22n5P7nttMdfNNswtfUFB7Z\/F4wTNIkcRITh\/kuxspbZ5YDQ2xyp6p1fPJ0zxPM8ys69xOKSQIWjs9XkxRFcNbvgyU8voWDxcLRBYSPh0+D79tDeWeiJbDUXYGpYkHFh35KKVLXu4vlQ+IYmhFnk4A4neU+OdoaU2VVExiCt+JOk+mJXB+zhWMko27duQtmRaDLDD7+Dwy+GXqM7c7T\/MiDOczyKTEyCBTYQeOOzgH2ZljWjmkNV097NXBI5+D4XdYCZPOr01VSsByhdtaJiVW2JyROSntlR6MrCj0SbbPdlMRs\/TUUOdgdgFKcso+hQfp3x2+NNTu+7v7yMN1ZaGZWyB9s9oWDKjJWWJCC5xTp1Jxm2QYqbBZy0OJLs7vgXJNdh4cBBhnAsEhgAJT+2kG5Adm1oiFrM5rDYa0rjt1CtufdSSVEGlOaB5kSD9dyw1YtwuHZOUN3CRzElwmaCAZTgOANExwq\/USuTtRqCVrtSjv\/YC1dE7vLqqTwwqJbyWnpdgaESx9pozW0bAiIAcytCVTHVb5PCmpB2UjhCrYJop7BpRSE0AU6Q7ihEp9HALZedsfvOGUjRTPexu2l9Yyq\/WUe8MgnyODJ+FEC+A=","iv":"96a54dce03f01d286acc760efa7223c3","s":"9021891090ba135d"}