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Bank 3.0: Why Banking Is No Longer Somewhere You Go But Something You Do Hardcover – December 26, 2012

4.6 out of 5 stars 28 customer reviews

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Editorial Reviews

From the Author

Late in 2011 WH Smith, my UK publisher, asked me to look at revising BANK 2.0 with a view to doing a paperback version for the UK markets. Thus, early in 2012 I sat down and started on the process, provisionally calling the new book "BANK 2.1". However, when I got into the rewrite there was the realization that so much had changed between December 2009 (when I finished writing BANK 2.0) and today that it was turning out to be a much bigger task than I expected. 

In the end the new title "BANK 3.0" allowed me to take the central theme of the book in a new direction. The realization that multi-channel had gone from being a hygiene factor, to an essential survival element for retail FIs formed the basis of the premise "banking no longer a place" (also the subtitle for the book). 
While around 20% of the original BANK 2.0 content remains in the new book BANK 3.0, the new research on social media, mobile, wallets and the cloud all produced a significantly different book. As always by the time you finish writing a book in a highly dynamic space like FinTech, there were already areas that might have warranted revisions. Well... those will have to be in an upcoming eBooks I guess! I hope you enjoy BANK 3.0 - BK

From the Inside Flap

Praise for BANK 2.0

"The impact of the Internet and mobile devices has made the rules in managing channels and how we reach customers a moving target. This book does something that no one I know has been able to do thus far—teach us to re-design our instincts first and then our knowledge about how this moving target will evolve."
Emmanuel Daniel, Chairman, The Asian Banker Journal

"BANK 2.0 represents a view of the future of bank retailing and channel strategies for the next decade. The fact that banks take so long to respond to these changes to the status quo means that any bank acting upon the key recommendations in this book will be a step ahead of the competition, and that surely is no bad thing. Now think what you could be if you acted upon all of the recommendations."
Chris Skinner, Chairman, Financial Services Club

"BANK 2.0 will change the way you think about banking in the future. Audacious, provocative, and sometimes controversial, Brett King redefines the paradigm of consumer banking. This compelling book is guaranteed to send your pulse racing and your mind searching for a new strategy for your bank."
Suvo Sarkar, Executive Vice-President, Emirates NBD

"BANK 2.0 is informed by Brett King's analysis of trends in banking over many years. ... I've worked with Brett and I have seen some of the results; they explain why Brett is highly sought after as an authority on banking and how the industry is likely to evolve into the future."
Dr. Richard Petty, President, CPA Australia

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Product Details

  • Hardcover: 396 pages
  • Publisher: Wiley; 1 edition (December 26, 2012)
  • Language: English
  • ISBN-10: 1118589637
  • ISBN-13: 978-1118589632
  • Product Dimensions: 6.3 x 1.3 x 9.3 inches
  • Shipping Weight: 4.8 ounces (View shipping rates and policies)
  • Average Customer Review: 4.6 out of 5 stars  See all reviews (28 customer reviews)
  • Amazon Best Sellers Rank: #128,959 in Books (See Top 100 in Books)

Customer Reviews

Top Customer Reviews

Format: Kindle Edition Verified Purchase
I found 2.0 full of substance, interesting and mobilizing.
Bank 3.0 instead is hollow. It takes some of the main ideeas of the previous version, verbatim. Exactly, copy-paste, including pictures and graphs. This is the backbone of the book.
As for the skeleton, it is centered on the IT issues, rightfully perhaps.
But the flesh on the bones is meagre. The author glossess over some hurting issues as legislation and compliance by simply dismissing them: one shall not ask the client any paper, any signature. Real life is that banks paid hundreds of millions in fines for dealing with Iranians, for having branches in Cuba or for routing money for drug traffic gangs in Mexico.
Mr. King shallowly states that cash is not 'King' (as it happens). While fact based statistics in EU reveal that there are 4 times more banknotes and coins than they were 10 years ago when Euro money were launched. almost 80% of retail payments (small sums) in Europe are cash. Lots of talk about the likes of PayPal (all due respect) but not a word about the likes of Western Union and MoneyGram (are they doing bad, loosing ground or the opposite?).... Still a long way to go before cash will not be 'King'.
He hails the creation of virtual, state-less currencies, as a real alternative. Does not say a word of what would happen were they really about to take off. Would national banks and governments give up seignorage just like that? Would they consider the impact on the monetary base of the countries, would some feel that national soveregnity is affected. Would they tolerate or even support a currency that is not under their control? How would governments start currency wars to protect and promote their competitiveness if they are not the owners of the currency?
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Format: Hardcover Verified Purchase
BANK 3.0 BOOK REVIEW
By Tom St. Dennis

Bank 3.0-Why Banking is no longer somewhere you go but something you do, by Brett King.
Whether they are admitting it or not, you can be sure that this is a book that every one of your financial institution competitors is reading if they are any competition at all. Of course, margin compression, increased regulation and demand for higher profits are just some of the challenges facing all banking professionals today. In Bank 3.0, King concisely addresses another challenge that makes all the others pale in comparison-the dreaded technological challenge of mobile banking and loss of customers to non-bank competitors if bankers don't address the consumer's call for greater access through this channel.
King begins this exhaustively researched tome by reflecting on the crisis of credibility that the banking industry has had to cope with as a result of the recent global financial crisis. He then painstakingly documents the more urgent issue that is building on top of this loss of credibility which he calls the loss of modality-the breakdown of a bank's traditional consumer interface, commonly known as the branch and/or customer service centers. For anyone who has had to use their lunch hour to drive to a branch only to stand in line to be serviced by a less than confidence-inspiring CSR, or waited on hold to talk to "Susan" from India, you know what he's getting at. He ends in his typically brusque style by reminding bankers:
As bankers you've been more inclined in the recent decade to become the problem, thinking that banking is unique, special and requires hurdles or qualifications before a customer is allowed to avail themselves of your products and network.
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Format: Hardcover Verified Purchase
I've read this book as well as Bank 2.0 from Brett King. Both of them are awesome and are a good read. If you love FinTech, then this is the book for you. Brett really does a good job helping Financial Institutions wrap their head around the new technology age of Banking. I highly recommend this book and anything else by Brett King.
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Format: Kindle Edition Verified Purchase
Bank 3.0 is a sneak peek into the banking industry in the next three to five years. Mobile banking is gaining traction and is likely to change, indeed is already changing, the way America does its banking. As someone who works in the banking industry, I found Brett King's insights to be fascinating and relevant.

I did find that the most interesting portion of the book was the the first three chapters. After that, I found myself thumbing through some the remaining chapters. The exciting, timely, revelatory content is in the front of the book.
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Format: Kindle Edition Verified Purchase
I work in the banking technology and user experience software design industry. The book focuses on the future of disruptive technologies that will change the way we use money in the US and all over the world. The book offers insights into the future banking industry, but rid of conjecture and full of intelligent views from Brett that are heavily and thoughtfully researched, there is no fluff in this book. So while you may not be in the baking tech business, if you are a technophile like me and interested in social sciences, this is a great read.
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Format: Kindle Edition Verified Purchase
This is a GREAT book. the information is very relative and informative and gives an in depth perspective on the banking industry now and how it will be in the future. I had to read it for a new job but it is applicable for even consumers to get an insight on why banks do what they do. I gave it 4 stars because the author does tend to be a bit repetitive to a point where it just seemed like he was trying to fill pages but you can skim those areas and still learn TONS!
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