Financial sector and banks must adapt to survive disruption
Posted Bya Luxury Daily columnistOn In Columns,Featured,Opinion | No 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z04zv2FbWlad7zbcrlLf5r5srBKq3BGBbqnYnOd03Z4HGR3UceMJNcJgT2dgZYVm+yj0vtB0uX89lUqmb9NnrEunxgE4yhX4MMOsftrnATSoA0oEYUgX0qNV4fDfaZowwUxtubBRGqz2CwDs42W8lZ6kX3IUQG52itvfDLEzSPWpUayBSZl6MGkEv8zWA9AeigaokHTrbVdB+6yN2GcTf5aRNkmrpWU8avgYUGgXorEB6R56nimDUdB25GG\/DvLE4NrEgMoAdfYwhcO+VlbSJCxOOpyid+UrbB7HKSzc4H01Badr8PqaeP0c96Oki8X8XtBA\/Mu29oTEZ2cf+zvlco3quAmMH0V8y5k1SrK6Dzk+oTHRxtxw9APj+u87g4psu6cG4CVKNJzEcf5QwtzZnJihKiJKSlZbajdLaeBGmNVhw2H9sZg81JaxSQaw0hjt0I9Ez+s0yIY+FDcPbpPjNgTG6xmhsBLV1PaCl4NY08zFBsF5apyHLzQqTxtIKmTQ2ZxgdUKMz60bToX7m7\/tKewzzQQuF3IjfxtFP+0sQ4dkvujoOapM5BUjLBg5eYk2s5EGblLpV7VMZ5Q\/mjJjDg8IKe09G9TQZNrFwVngz0emfM+o+9DhsCFpPAgGwQjVIixlgna8Z1yfhRCiWgY7VPqcKc3DSPvDQ9zITSowHHZEdLr6gRZz\/6NlIb9ZR4RcgGHbbWd\/7kfYv7VfAP75\/r087mnUlO7VHE\/07BMsp8Zpdf6n8Nq06LcMWhvyUfyydzq7BBSfZsmLJd1SzSufZe9GF\/Gxq8NrUac+NWJue7wmhgvpEM47iQnl4+5nEcAp64bO2XkMdMzA49tKYstvz7YJcm74TFkUhkxBNmw2paEOsJfNC3K7sYyLsL2afPW\/atUiVz3qQrZ8KrT5\/tqoUk8PiucoB8JLSwH+Qabz\/BB1YKaBNQXavAOaNBs38EzFrXfrFAiXACKzqLYWhk2WRoHBOlGZ1z+BkMGH354H3ONYPNAaRXy4EZyxHPHtEsiAqCgPohZd5tq\/hriAYvqbykSDxyT5AvqcWb0SadnWxo4r5aSGy\/ttY3QahoiKn9JfR4tA\/Hhk0vWmGM8WqLdG1kxj4EDTehDfIWar0JXku376P3YS1A0aqkVf59RrRb2LeJNGCeXXSQkUWoviHfrVWBSbD58GFVWxIBGx+mOWc4UThfTHxXjZj\/LsAVI5IdBvB2ARBAAMjnQi1LmJpt\/6QfSenKn\/9dPi4ud6AUQBpGnJP3OWyz7+4qEiDgDMkXtpXW6Bkcfn8Hodn6cm6NRaYrhnQm+90jsBhhPF4MNinIA+tJWZAIU4ky2hS4E4Cv\/fijwDIfc6xR4TtyeLCdBDbAD01SkYxmp\/iIMHZx2FhgDoZctKVF06a0\/o9YDBhTvldVFSN9TS9yLo862uwn2kMm64NmRYDmUAXLDVoFKAaXAeAPwU\/BSxATfjzXhco89wpS5ONTyB3s\/vNDlgifXXe2tgfg5wiXAfOTSWBny97mMyOZR1ZZLKiHwaiOufeSvijm1OOjf\/6w\/a1ww1HQPSeQ7zOBWzKIXWdrZS2OZspHbPVj3bsXa5zTAXOvxzSBhdI6T8pHt36qT18yKed4ysCMJxq\/ILcPQpfsK3rmcovrMYsEMA8XmmTpC3PqHEtUMPJ5WM5WjErPjTzdGIOTOcjx8+ogTeMm35sPl1k2Dramlftu66wg1EjZRvtY98s4j4G0tHJd3f2n542TiooyD1\/+grcfUKoGgHqH7d3kCq+DAEAsKHO8rqHCG15aLzocS23\/AngmHNcn72WIfS\/pw2O2VE6G5DoHKgVJ+0kVqOUxYRUWNYcHTQb\/hgl6YfNytv7CD1SEB99gKUid0LHcmsyy9hWpXdFfDujE4WFCVWO+W+92xBEdzQS6BDc1e+9jNGLjc0fXFpz6XOgLxJwOVo1\/obPRW4nFvpIDfcVDRAZ84fSHBTtShRELJJAbqGaLkbx7uXb1QAIRvSaDr4BKRmNog\/hX5IKXruXafgEsrCIH3HlBlcc18oyNRWgors7aJbOIoI05lW0xbemtVaSegBPlGbPnrhzj+ZzP2a6677ijg75hyypFQO2nVr5TJtz0OVf7in7i9iuT\/HWGY+5mqAg69eUQcT5kqBxc\/hYuZQXhTRN21VpMwA7RN\/fwf7sUJJv49RbCymzlM4EJgL8xM2+0Ary4fDdhzIhi3V+10Lfq9yjYONT3QQYq7skeJGLsDoDTvATLEqfiPoqqSO+NWsZxKLs2j5X59Ax1idX+jwLp8tH5chZhkmgkWDXLl+nopkvMoq7ffDInxThvC44H5x9jRHjUENIMlp5cBPcAbqf+Ptp89230PNoIB8JrXHvFRuBpj5HhsRnuvMDHEkcdpoQpM9i7CLwaM2IXxmoJRch4px5DEiJ8plzVQFLvGY4Z4Cv5PvGir2YnoCgfmpHeppoCcYgYihc9TQIXIEW6YjZ2fTuBLRW7AAd6u0y82WsL6e63KDsktz7Vf++SkDW7zHswNRz3cdaQ6XqJweuZPe+Ijm1JVdfHS8F+Fg0x98UKUgWcZG+WAtnIq0Cuqw6ey\/jKuxCYfxCunM4M5Cr+i\/1V+1aRK2M8aur6z\/JvmGXIMXXzipMl5RsbAn6UWLO3\/jLcK\/TLtOTsE679arGa9mxjzU8IiTMzluJZT\/YJVDeV9wWr5Lj0nKlTzpCd2ymh5iQtsRbVy+LEBP7FG5f3sQWECXlFQZ5fC1QCDdVsniF4yA1xJjfDWlYKsqKY6QZbL+JquU4xT6b9UH98D02BGErRhaBPjyrxJxlM0aI6VW6lc2Ki9bbMasCKWKAhWPZO4a0sV7Im8XbifJC1N1JpkMo7MexuVeYYiCqv5HtFU6uLKah2rhKh6XxMfjQFKdjmXUWGWyQXqqdm0HorPf9MuuxhQUPYnz9QQ1oVHs3y9nnVdOPspPmpJpkALO53t129KND\/UXzc6wSud7a2hP9myv6Kad8kiXoHoZfmRsfjCyX8RcwJIWJ6ALOu7xxSuk0RMSKFOUngavD4RYTIHBrq3mVqlI6bw2tL0VLpdZCgoQtYMvOmOJJ4eZwgpLlbtm3wty7sznQdUQnYWSu+oZIR9VXIUj\/VTfrFfxdX32gCuzzZIMX18iwnqK+rsKKXYeiMEQd1cfOauz\/G3LB7PDnilSjIgbRG9mVOhNAgp2N6SJppgPtBxwUj41Ck7U055qv0u3lENZRtdOYW3U6rHkROZQD0mcvgOAHvqeDz7iO+SNkXg3foX6pZMAqifmxTEKi8bc06iY15lBdvrvdVFbD92ue\/ifarNUXiHkoHgJRszpZTSmR88L0BpQ0KJORWbVQwKy7kzskNzYn+7SIffQ13QkUCQpd4cQA7ohazpx33LLOihiueEU3TcJKI1cP3Q\/sYlQRVxUMstuEhpznR4U9TP+k+Z10ir85Co37t7N000UpT\/xK6sVGzYgpiFJ5EDWjdjm22DngeVrtCZtKfyM1yjSWlAXg1X3zp1VYSCHvyL7Qnyydtc9TA67c43qrjOJ0azC\/xqCwXGhrQIwpbLxmUleVSTHSbKy\/sZLdfmTSJi\/YHyWhoQhYqo+2zuJCH3qibZkNaMm7MN\/D\/Z1Il\/OLMA4lAUNvS57KOCdcsi48gIcwG4KVGHV9Punyv\/OTx1KctNS1D3L50+tS+a4S5c\/kVNRi+nE+dFY\/DLx1MVrunxHPpbQxBWX5j+uplEu7L2flf6odvjdJYuWDjnsSZFh6tTU7DyGaW3NI2QdOR2TXEjXlvtOjB5HImud\/JUCiWUCQUZY6i2qXCg7mIVs2Y9gSGqRILK7TYzR\/fxuzHxSv8\/b8ElCEF9oeiVvyse9yU0M42ipegEZzOH9Etz\/h8oXvw3zlod1wnKf76Pp+xL9fNI0jz2wETwyoXfw14xGaHgS27V02VdNiscClSWfnpwV8p5zMBlJ3EBynH8sSVNzaSK3gUbNTbZzmlwG\/+dRdjZdmyhVTTDi0BTqL\/v1o2PeUzIVznH9dWQnXMSFcfpYwt+gW\/1DS6rk+yXd9nb6K1RD81y06n7WPzwUlwf7qpjmfDHrZtuzvAlYXeG5Dx3uSFtys2AvVh4csZ7T8ei6hxatE6J4V+tQZDhe+H+qzWTILASCL9bwCzytL0bdS\/yV4Di8PSJVQJkt99Y7L+YwgnWMyhfjr+10v83a37vOBHGQX513kNxxsh5mrvv8f5+FYm6FAu6cTdtAkXernP0oBwb4H+nUspzpiCFjZLuiens0DMeAT1dMmNlZH0pmd520KY6\/Iqbb3QG2mnCCMT7rf8jgU6m068bQ13UkUNvr\/klQRgpMn+3H4RRdFe\/lAyGLdzQswkW4QS\/0dQfzy7DnjR\/F0\/TZr9ALJz\/3t2gNkcu5liGK6\/FiOK5H8hO9jLd\/4bX0xbzB57bn+ZoWbMW9lIF8BYL5Wo1uqwANg0dy4zCacjyHjRqC7Ztns3Zi9S9rpIHyiajo7vqVeP37Q3xavdQ\/+2FoAP8DYeqLvn2TEu4dt2Ta7Xs8W0tXFl0JJkho8cKHNneDOg2V0+Jl7xu2ju9w2h9QvR0niczS7Cwv9wu\/IdxXy+3QwU2PypfWXULxbMzlAb4Yzi3sFjttaLpTSXA3OQLNfxc8bKwgkdWyjifDBUpb051PDFAgH+TiIo1av06yRi\/sIEmXnf4itg7gdwJIQVPbPXLp1MGPINLZbaDqhndPHsXlRpChGybjQ8UDtBfCKE7KWVaSKXYjW+xJYfyFWjrtIUsQiOREUTED+0YlRD8Rpkg2jYCVBJMfmBAffrwNWh3QF6MfwIGJ26TmO90JbVnNmJ4Vc10182CgOGtNgAeAJIMWIAsCY219kdQZEQ\/vyyBCOQozjzO\/EnG2wdheWpQfQ+9lCaPGVJeSKQqpHGQyCy5bICtXLEqzUk07zuvMCC\/7AO16dHD1wgbyGQnmWLigEQc8C+tYmJHSFPYiAhsmEBXtvQvk4iXxQ1pKC74jrRxjq5g\/uOYohUSHlPqFFu92UxL1dqqI+8eykVyo8km93FcuVsXdtncD\/usQsf0UQ2powhVx+N5t+pXmgYqHzECkJSTj\/GB6wBshZFZrfWIC64MwgSFCOnrdbGHgHFcQctHHG5RO2mC54s0\/faYwHSEFRHanIsH3gbfE6ZMntf83WqaKe1AoyXhnmYaI5HpyuZ+Gp60GXmJAReV9qSv+PYQ9BuA8jQP72aVl+cjZqfCnXjjqO7WcozLBwsn7U8toTb+HozFGb7HBKWNx\/JMMQV92TDDiKZEM2FghHlFpJA40aa93yFrOEKIUK9x44470C5jIt6qoR91qm2GlwXS5kfe+IJviN4NSslqnLpvI0AWmfV9zz2XmNNY3wv02Rmg259OWUiPmx52yeumM3iKMw1C9wnjiMYZPVb\/2QTStxNeuyQy1Ux4i0Ujw3I3+kc2n6c6QAfhy6cMLYW1K1vyZ3VP9lCBbJMo7b8iNqdB3ZNxZfE7xuYnVTlR1LYZyO9GdA4GunL84ot17ZX7gnCtPptSbDc2B+9jP3kCcVdpbXuURquxqCXmBPqGbr1M83YSwaAB\/6hYTBFST+iHwlnEyIPFpG7wvhXNcInO5FfDBxgWieljJ9CFJF5Ae9svb+d\/zTy1G+DLafheBFvCojtN3ilSpXIzlQiuV4Uz6CArJtF2d8QZI5b5wdJC8CmVz6tup8GzdBj5d9fipoGjeavoiUQvQ3620M7adOXluhRCdknmihW+9a4\/6szBendYQpFJQipYLjmMNoXuzSHY6MHL2e5JNDMu0KnbBbBSqX7oyGF4UG+S+nqn5Y8hU+pWNagT0OQVexsE59qQmYfqGgPrsJz2QNk\/mwpYtudCE\/DmpXy9T854xxy\/sNFQYSRDRv99w6na8YULWwXtKp+0DPgKFb7m+7RJX5INPjjOprvGrS2YKmz23t7ouSgAL833kWYcsBeqAbGdB4OFANfFhBLMtSXZ\/CYor9WXA4SHKXg8EWOC9SLcPsyJfzSy2KFdDGUwRjPz0CATtkxzZh4WJfYaS+Skwhh\/K357F6ybmdPnH+Dw6DerCrv8ZoVrMhO5sqzVpomp0pkfivOzUknZEX9xvXhWpexvrdIi2xC7WzZofuQw8MNvnU4ZjwrlP2ccGujGjOsnzGi71ekBfGZDFrjts+zsK9MadewazpLZsa8YPLtmjTMa+TXVIf\/s4djI2Tm26ougz\/HqjMMEbQi9buI7qQ97MhFkDvvNODH8IVy7ZekBmQQYPYb2Cg9TmvmitxoZi1mq6zjCW8J4+LzBlFdc\/lLg5BiiCVdqsDU3c4gtWhGekcMIx19aXqSsQlHiM9NTqpeQxr4CNTlLrEZp6vCKDk7neUefXIDW3Y\/trL\/O\/OKs+9JnKJogwMhWlV+N7NZLPpKP2m7qZQLrL4vqY3fXgSacYaJsHgIK2QOKYjNsJNCgu9qBuxgasUAMGegISEZdhpgpboAhsnTjDC3Hcxv8ZYbuVcyTedi2CKFHq5m1bis8RkeLnPRVL4u+qSwl9kyQji3mZwnoJKvZfgoT0D+SLk9YMLzqz7va3qHkUiNW840kQdnOPNEjsV6\/bmhOOHJQdQkZBHlHGCGgW\/IEKPAon9nXI3ZDyZ32qH9j+LoqQo57Tw+rRlNMOtCBhGNIV9b+0XrU8FxJpAUKK8u46JRYTHkcuBsfMscB3kv4qKzgTidTS5utN0NKEvjLw56sJKEITNaejT8pBfBYzYtGrGz+6Uy4kloLwnK4MJRgK465xR6I888Vjpr96Imi0\/HhyMh7Y8XnfWRdGAiroZx6XHYKyBtv8lklTweIAcNQNZm0eud\/hGJkxQglTxt7swbOw5ktwsO7eAvnHT9xcLs0zXoL\/R1HzOgVDe5Z9lNNn+P25Yp4Gfnz61io2547hukQSdI3ORUlBh8XlJMj186RTYUKpwWMpBfBfErOQHEfBlJkUXtjOKYd589tXkSFK4XWNmFKAgTqTJKzJ1941OiVCaCraeR6py0C6oq4QxA2pjDBXUQ3NH3vJ7r6lDrdJAVa5RP3k7swVoenK95b1XMtt75NCBUThpRT0TkGRUQGe0XeGDVtqUHGG8Xj0iMXaBIxZLgv1y2cxCqmz7sKIQaPBTG7IkEdSV7TbXgaL5nfTFbUJ8leGQmeDIihozrT4YjCMiW0jR112+WcP8uxyTL8w8jXusXwIhUQUn12Skak+YRwUUjmYS5gG\/qyV2yG+YZ5tpv9t\/Z8elB6k3vI65nJTE3kAVji3kRDBEQSYmWlo7WC4ovH8rHjo84tqbNEMwStinsiq1kmoth6PK+tPbB8NHsaDOJL61XrC62pmTJOvaOipROUJdaSDLMJ9w+ipw0iJ1MySb7RvA\/dAuY1WsuyLr0WEbYj5m7nmreJjEQ5d8wBB0N7p\/h06gDWG9QMl9VpUTerG1DP86Uz1Pw\/tYM3WM2\/5xLnIAVwIMU5E\/nOjybAeKTPQ2kE8nis5I7a50ZlyQUcLetapKL0voPCbzLQJgWPpaX0i93aRPdowMpvJJNFy0NDUZT8BVk95+G2QVMVYOWMHEz+4vjcQNdGivUYNrH2H\/TdeP6nh1HPe8Xg7fNT5mZVXMUlYqt9d08m4imPeBzG0\/Lxh++wo87I6wcZyAt1M7bOkzJ7qKVcyro9Yx+xm4vjk5nTKKAa7mUiaW4CF\/8Z9vkhyzKOIo2ExA+UTLWpOXxFoRWvum4AKpKoco2PC+UKqFY4oqbYETYZFrVeFbwGNptHBvVYO7wdFGw57m2TL969FGPvBDTvhvyTeYXrEKr4G+F2p\/Yzbg0fe895tSkGTt6Wns\/JhzCvawpg+M++Cjj7aBYh3JWyyj4lnf0nXqNXt\/qgNyymXOAV0KxmBr0vN5\/qhDFdezxcYvOapqn7i+63tcYymPAKXRhK8EXg\/j4IE1WAPQrx03zqKV+q4qT5ufxR1KiE5rQoR8W45EQmyTTu5t5ssniTaRooACcKJbO0tDXHSvPdlhvf8jQYiAo0XM0BuBf2KeIXhgz5hqkLVkhgzjBW1Dcq3WdoXaAnUF\/zv4rJCHkjhWLF7hKOPR1dzW1oZFBb7Vhhw\/pspxIXrer3BKvPHv5FxvY2SBDI8W9NtN4wscNr5C7D1u1NAyP6hFF7Dt6a2fsxtRs3L1GOjshAcHe37yUekoVUjrvutISXlAbcKntwPkSKN3t3RyWv1N1bxj1IfIPyeoxiO40EU3YZyjY6rN+gjMcqnWLntj1lVDjvUZXu+BhOn3midkP23APqjsNIdauegZmutjVQ2JP9H3r3IaIpiJlqU1T8kP6zARIviGGrb8b1t1YE+GqTsrI3Zw3mNisQeVn5DSUDtCkyFTX8+bsq+9VxWCQ1jDePRVQvPG5bdyv99q5lwRAzwUuiung4ZDNoUglk6sjQGSAV\/UD3Go8W9rWAf4HeIESAk8fHSE06oCBzunCqB7ChM67DA\/m+WctV8W9xPkf+8HUeDOmSV7M35Ejx7VXQwjzqOX5\/KpilPJyTS3bl+aTP3fNRGaSeiZvNw6CNz2Ik25VZCpyOcFEaAag03MnEGpNRC89839UbslL\/tsQBuKgjrN0qQg3w2xHbd3iXA5f85\/vyanjKz6X5S+3HTX3G6h8W5tDqhkfYqfSr2zAd8vQyE1GBmw5S033QIBM\/VIYYyPh7m5iDC1KoQ8A7+Gp4ZeODhsHmqmplD0WXeMjwv00s5DmNgD\/i48uTOoxvhtIz5BgMeB0xOMwAG9kZcif2J357Io+c2gPW19TMeD67U5sG6Z5CpzflQkxy4T17dYSbp3+Wlx5YaTZjIGZXWvoqSv+oipWQ=","iv":"0918efc3bf421b24d0d0a3f049db77db","s":"3ece8419d514dadf"}
