I agree with your point on commercial and retail banking. I also agree that if banks pivot in the direction of "technology-first", they will succeed in the futu

I agree with your point on commercial and retail banking. I also agree that if banks pivot in the direction of "technology-first", they will succeed in the future. I'm a bit skeptical (perhaps I'm biased in this regard since I work for one) that they will pivot in the near future though.