Bank 4.0: Banking Everywhere, Never at a Bank: Bestselling Author, Entrepreneur, Founder & CEO | Moven Anne Boden is the Founder and CEO of Starling Bank. Prior to Starling, she was Chief Operating Officer of Allied Irish Banks PLC and Head of EMEA Global Transaction Banking across 34 countries for RBS and ABN AMRO. She has more than 30 years experience in banking, including Lloyds Bank, Standard Chartered Bank, and UBS. She was recently recognized as one of the Global Power Women in FinTech. She holds a BSc in Computer Science and Chemistry and is a Fellow of the Chartered Institute of IT.

1. BANK 4.0
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brettking
BRETTKING.com
Innovator of the Year
BANKING EVERYWHERE, NEVER AT A BANK
INTERNATIONAL BESTSELLING AUTHOR

2. BANK 1.0
FROM 1472-1980

3. E R M A , I B M A N D C H E C K P R O C E S S I N G
THE MAINFRAME ERA

4. BANK 2.0
FROM 1980-2007

5. E SELF-SERVICE ERA
“ T H E M O S T I M P O RTA N T F I N A N C I A L I N N O VAT I O N
T H AT I H AV E S E E N . T H E PA S T 2 0 Y E A R S I S T H E
A U TO M AT I C T E L L E R M A C H I N E “
. PA U L V O L C K E R , F E D C H A I R M A N , 2 0 0 9

6. BANK 3.0
FROM 2007-2015

7. BANK 4.0: EXPERIENCE ERA
T H E I P H O N E WA S J U S T T H E S TA RT

10. IN JUST 14 YEARS
S PA C E X H A S R E D U C E D C O S T TO O R B I T 9 5 %

11. THE 2007 IPHONEWA S A C L E A R F I R S T P R I N C I P L E S D E S I G N A P P R O A C H

12. DESIGN BY ANALOGYA P P LY PAY WA S N O T - A P P L E PAY WA S C A R D I T E R AT I O N

13. DISRUPTED SAVINGSY U ’ E B A O D I S R U P T E D T H E D E P O S I T M O D E L ( $ 9 3 B N A U M )
A L I PAY A L R E A D Y D O E S 9 6 0 % T H E D A I LY T X V O L U M E O F V I S A

14. THE PROBLEM WITH THE BRANCH IS NOT A DESIGN
PROBLEM… WILL ALL BRANCHES DISAPPEAR?
NO, BUT EVERY BANK RELIANT
ON BRANCHES WILL DISAPPEAR
BRETT KING, AMERICAN BANKER COMMENTARY
IT’S BEHAVIOR STUPIDT H E P R O B L E M W I T H B R A N C H D E C L I N E I S N O T A D E S I G N P R O B L E M

15. DIGITAL = BRANCH?“ O U R B U S I E S T B R A N C H I S T H E 7 : 0 1 F R O M R E A D I N G TO PA D D I N G TO N ”
R O S S M C E WA N , R B S - 2 0 1 4

16. EMBEDDED BANKINGU B E R I S O N E O F T H E U S ’ L A R G E S T A C Q U I R E R S O F S M E A C C O U N T S

17. PRODUCTS TO EXPERIENCESF I R S T P R I N C I P L E S # F I N T E C H I S R E M O V I N G P R O D U C T “ VA L U E ”

18. SURFACING UTILITYC O N T E X T A N D E X P E R I E N C E A R E T H E V I TA L FA C TO R S

20. ARE HUMANS BETTER?A D V I C E H A S D I F F E R E N T I AT E D U S F R O M M A C H I N E S

21. NEW ADVICE PARADIGMS
W H E N M A C H I N E S O U T P E R F O R M H U M A N S I N T H E A D V I C E G A M E

22. AI’s BETTER AT DIAGNOSIS
I B M WAT S O N O U T P E R F O R M S D O C TO R S 2 X I N O N C O L O G Y

23. IDENTITY ALGORITHMSA R E 2 0 X S A F E R T H A N A H U M A N D O I N G T H E S A M E J O B

24. INFORMATION ASYMMETRYA I S W I L L O U T P E R F O R M H U M A N S B E C A U S E O F D ATA S Y N T H E S I S

25. NO MORE “HUMAN SPEED”H U M A N S S L O W D O W N R E V E N U E I N A N R E A L - T I M E W O R L D

26. ARE STRENGTHS OF BANKS
A C T U A L LY W E A K N E S S E S I N T H I S N E W W O R L D ?

27. R E G U L AT I O N I N H I B I T S
I N N O VAT I O N

28. FACE to FACE vs DIGITALT E C H N O L O G Y C O M P E T E S W I T H P E O P L E F O R I N V E S T M E N T

29. PAPER KILLS
R E V E N U E & R E L AT I O N S H I P S

30. BANK TELLERS?T H E T E L E G R A P H O P E R ATO R S O F T H E 2 1 S T C E N T U RY

33. MILLENNIALS/GEN-Z
Y O U R E A L LY T H I N K T H E Y ’ L L C O M E TO A B R A N C H ?

34. THERE ARE NOW 13 COUNTRIES IN AFRICA WITH MORE MOBILE MONEY ACCOUNTS
THAN PHYSICAL BANK ACCOUNTS OPENED IN A BRANCH
KENYA LEADS THE WORLD
9 5 % O F A D U LT P O P U L AT I O N U S E M O B I L E PAY M E N T S R E G U L A R LY

35. CHINA BANKING EROSION
D E P O S I T S A R E AT 4 0 % G R E AT E R R I S K TO D AY D U E TO B - A - T I N N O VAT I O N S

36. 92% of MOBILE PAYMENTSA R E D O N E T H R O U G H A L I PAY A N D W E C H AT - N O T B A N K S

37. 1.4 BILLION “BANKED”
S I N C E 2 0 11 O N LY V I A M O B I L E P H O N E S

38. BUT NOT THRU BRANCHEST H E B A N K A C C O U N T O F T H E U N B A N K E D I S T H E P H O N E

39. PARTNER, ACQUIRE, MIMICT H E M O S T E F F E C T I V E PAT H I S TO W O R K W I T H F I N T E C H I N N O VATO R S F O R
N O W

40. 2025/THE BIGGEST BANK
T H E B I G G E S T F I N A N C I A L I N S T I T U T I O N W O N ’ T B E A B A N K AT A L L

41. STARTING FROM SCRATCHS H O U L D W E R E A L LY B U I L D B A N K S L I K E T H I S TO D AY ?

42. The world’s #1 Global Fintech Radio Show
#1 Business Show on Voice America
3.5 million listeners in 140 countriesU K , U S A , C a n a d a , G e r m a n y, A u s t r a l i a , F r a n c e , J a p a n
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Innovator of the Year
5x Bestseller
in Robotics, Biotechnology, Banking, AI