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


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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 1.2 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: #45,915 in Books (See Top 100 in Books)

More About the Author

Brett King is an Amazon best-selling author, a well-known industry commentator, a sought after keynote speaker, the host of the BREAKING BANK$ radio show on Voice America (an Internet talk-radio network with over nine million monthly listeners), and the founder of the revolutionary mobile-based banking service Moven (Moven.com or search iTunes/Google Play for "Moven"). King was voted as American Banker's Innovator of the Year in 2012, and was nominated by Bank Innovation as one of the Top 10 "coolest brands in banking."

His latest book Breaking Banks debuted at #2 on the Amazon Bestseller's list the first week out. His 2013 book Bank 3.0 (available in seven languages), topped charts in the U.S., U.K., China, Canada, Germany, Japan, and France after its Christmas 2012 release. King has been featured on Fox News, CNBC, Bloomberg, and the BBC, and in Reuters, Financial Times, The Economist, ABA Journal, Bank Technology News, The Asian Banker Journal, The Banker, Wired magazine, and many more. He contributes regularly as a blogger on Huffington Post.

Customer Reviews

4.6 out of 5 stars
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Most Helpful Customer Reviews

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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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7 of 7 people found the following review helpful By Tom St. Dennis on July 9, 2013
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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3 of 3 people found the following review helpful By Matt West on July 10, 2013
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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2 of 2 people found the following review helpful By Gary D Coates on March 16, 2013
Format: Hardcover
Mr. King makes some bold predictions (branches closing or changing significantly, checks will be gone in a few years, etc.), that I'm not sure will all happen. For example, what will checks be replaced with? I do agree with him that the future is in mobile technologies. The next big thing to impact the financial services industry will be mobile payments.

You should read Bank 3.0 if you work for a bank or credit union to understand the coming technology trends and be prepared for the changes. Mr. King provides a road map for preparing your institution within the book.

Thank you Mr. King for writing such a thought provoking book!
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2 of 2 people found the following review helpful By Roman Janota on June 3, 2013
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Very good book with many ideas worthwhile to consider. Good for thinking about short term strategy in electronic channels. And some interest facts about past and present, too
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1 of 1 people found the following review helpful By Ron Shevlin on December 20, 2012
Format: Hardcover
I honestly can't imagine how any bank executive can pass on reading this book.

It isn't the typical dry, boring, "the world is changing" snoozefest from some consultant. It's an incredibly provocative book that challenges the typical bank exec's assumptions about the industry, about consumer behavior, about channel economics, about the impact of mobile and social media technologies, and about the (alleged) ROI of customer experience.

Bank and credit unions CEOs should buy this book for their executive teams, and then assign chapters for them to read for discussion at executive team meetings.

There are a lot of ideas and recommendations in this book that I don't agree with (example: the speed at which mobile payments will take hold), and that I would make to my clients. But that's the value of the book -- to challenge one's thinking. IF you want something that just states the obvious, there are plenty of blog posts you can read for free.
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